BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was the victim of a robbery on XX/XX/XXXX at a local supermarket. 

After the robbery occurred unfortunately my cell phone and other forms of communication were off temporarily and since Im XXXX I couldnt step into a branch right away. 

I finally was able to come into a Wells Fargo branch on XX/XX/XXXX and within that time period my Wells Fargo business debit card was used fraudulently to the tune of over {$5600.00} in transactions both in stores and online and these obviously were not transactions authorized by my business as I provided a police report that day to help further my claim. This has caused my business checking account to also go over {$700.00} overdrawn as well. 

I disputed this fraud to Wells Fargo and they reviewed both my case and a police report that outlined the crime and still denied my claim within just a few days. 

Im appealing this to the highest degree because these transactions were truly not authorized by me or my company and this has caused a major disruption within my business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Portfolio Recovery Associates , LLC I'm in possession of the papers you sent out and I received them on Monday XX/XX/2022. Account number, ( XXXX ). This information is unresponsive to my demand. I demanded proof that I owe you this debt. This is not proof that I owe you this debt. In fact, these papers have no original signature from you, no original signature from the original creditor, or my original signature. The name spelling is incorrect as well on every single piece of paperwork you sent me, therefore being a false representation according to 15 U.S.C 1692e. Please provide me actual verified proof that I owe you this debt before continuing collection activities, otherwise remove this account from my credit report.

Also, in your response letter you stated you may contact me directly or through an affiliate or third party. That also is in violation of 15 U.S.C 1692-1692p Sec 806.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I submitted a dispute on the Experian XXXX platform informing Experian of an inaccuracy on my credit report. Experian has failed to remove a judgment which was satisfied after multiple cemail inquiries. I have made phone calls at least every other day since XX/XX/XXXX and  have taken all possible steps to resolve the matter. The Experian phone system refused to provide me with an agent or live customer service representative despite repeated requests on the telephonic system The amount of the judgment was over 18k and it was satisfied. I provided Experian with copies of the agreement between XXXX XXXX and  the satisfaction of judgment. 

The company stated the dispute was logged since XX/XX/XXXX and assigned to an agent but no follow up correspondence. This has caused me great harm because we are trying to get an XXXX loan to begin to  recover from the effect of COVID-19 on my business. This is disgraceful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a Wells Fargo Home Mortgage loan that is secured by the VA, during XXXX of 2020 I applied for the XXXX XXXX protection and I managed to bring my account current. Hove even Wells Fargo is reporting to the credit bureaus that I was late in XXXX of 2020 despite applying for and being accepted into the XXXX mortgage programs. Also Wells Fargo is reporting an in accurate due balance to the credit bureau 's of $ {$190000.00} being due on the account and the correct balance due is {$190000.00}. A few years ago several states sued Wells Fargo for charging fees on accounts for being late that included fees for inspections. Wells Fargo was supposed to refund that money to customer yet they never did on receive a credit or those fees removed. So what they are doing now is attaching it to my balance due statements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Rose & Associates, LLC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Daily multiple calls to my personal and work numbers regarding serving me legal documents I have told them not to call me at work. I have sent a cease and desist letter to the company name they provided however they continue to call. Today XX/XX/XXXX @ XXXX XXXX they called my work number and gave personal information out to my coworkers. I have repeatedly requested them to provide a debt validation letter and have yet to receive anything. I do not even believe this is a legitimate debt or company calling.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i was a victum of id theft someone used my information to obtain loans in my name that were not authorized by me i made several attempts to notify the company with police reports and id theft affidavites. loans were opened on XX/XX/XXXX for {$3400.00}, {$3500.00}, XX/XX/XXXX for {$1900.00}, XX/XX/XXXX for {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
THE BURDEN OF PROOF HAS NOT BEEN ESTABLISHED YET TRANSUNION CRASHED MY SCORE FROM XXXX To XXXX ...... 
Fraudulent Account From " RISE Credit '' And It's Deragotory Reporting Has Not Been Accurately Investigated. 
I Am Already Under A " Fraud Alert. '' Precautionary Measure To Prove The Validity Of This RISE Account Has Not Been Established. 
" RISE '' CAN NOT Provide Proof Of The PREVIOUS PAYMENTS Made Starting In XXXX, XXXX, Nor Can It Provide WHICH ACCOUNT WAS USED TO MAKE THE PAYMENTS, ALONG WITH THE GIVEN DATES. 
MORE IMPORTANTLY, TRANSUNION CAN NOT PRESENT DOCUMENTATION. 
The Account Was Allegedly Opened In XXXX, XXXX. In XXXX, XXXX, This Same Account Was Reported " 30 Days '' LATE, And Even More Damaging IS NOW Being REPORTED AS A, " CHARGE OFF!!! 
A Thorough Investigation By TransUnion Would Have PREVENTED This Harmful Information From My Credit File. 
TransUnion Has A RESPONSIBILITY TO ENSURE ACCURACY, AND ABIDE BY DUE PROCESS. 
Meanwhile, I AM BEING DAMAGED BY RISE 'S FALSE REPORTING, AND TransUnion 's ACTION TO CONVEY IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to get a loan modification. I need assistance. I have given tried to establish my trial period worthiness. I feel the lender is being unusually harsh to me. I ask that you audit my file and research my foreclosure. I hope that they would just give me a streamline modification trial period. I will make my payments and keep my home. I believe that the fair debt collection act and other laws that protect homeowners were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX, specifically XXXX XXXX, did an unauthorized hard inquiry on my credit. I have cut ties to the lender because they did the exact same thing about a year ago. This seems to be their standard practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've sent multiple disputes to all the credit reporting agencies for personal information being reported incorrectly, collection accounts not being verified after I asked for documentation via mail, payment history not being updated after I had correspondence with the company to correct inaccurate information that they were reporting to the credit bureaus, and disputes for inquiries I did not authorize. 
XX/XX/2021, XX/XX/2021, XX/XX/2021, I sent a fourth set of dispute letters but can't locate the receipts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are fraudulent accounts and inquiries done in my name i was mugged at a XXXX XXXX XXXX took my purse with my bill folder inside along with my driver license and social and the fraudster opened up accounts in my name and used fraud addresses in order to obtain credit in my name I have tried to  resolve the issue with the merchants but i was not successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: STERLING JEWELERS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: The Bureaus, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE BUREAUS, INC IS NOT IN COMPLIANCE WITH THEIR CODE OF FEDERAL REGULATIONS 12 CFR 222.42, 12 CFR 1006.30 ( b ) PUT IN PLACE BY THEIR REGULATORS, THE CONSUMER FINANCIAL PROTECTION BUREAU. THEY ARE NOT ACTING IN ACCURACY AND INTEGRITY BY CONTINUING TO FURISH AND COLLECT ON A FRAUDULENT ACCOUNT. 

The Bureaus Inc states that they are a licensed collection agency in the state of Illinois by attaching a license with the name XXXX XXXX XXXX XXXX XXXX THE BUREAUS INC. When searching XXXX XXXX XXXX XXXX in the Illinois Department of Financial and Professional Regulation database The Bureaus Inc is not listed as a XXXX XXXX XXXX XXXX XXXX XXXX ( find evidence below ), surely the Illinois Department of Financial and Professional Regulation are capable of including that XXXX in their online database. 

12 CFR 222.41 ( a ) ( 3 ) states information that a furnisher provides to a consumer reporting agency must identify the appropriate consumer. I have informed The Bureaus Inc that this alleged account is a result of identity theft in accordance with 15 USC 1681c-2. The Bureaus Inc previously stated in a CFPB response If this account was opened fraudulently, the account would have charged off 180 days after the account was opened and likely the bills would not get sent to XXXX XXXX correct address. THESE BILLS WERE NOT SENT TO MY CORRECT ADDRESS. The address on all of the statements and documents in the binder The Bureaus Inc continues to attach is NOT my address, I dont know whos address that belongs too. Please find the address highlighted on XXXX of the statements The Bureaus Inc attached and my correct address is connected to my Consumer Finance account and I have also sent correspondence to The Bureaus Inc from my correct address..

12 CFR 1006.30 ( b ) ( 1 ) Official interpretation 2. Debt that resulted from identity theft quotes 15 USC 1681m ( f ) ( 1 ) and states that no person shall sell, transfer for consideration, or place for collection a debt if such person has been notified under section 605B of the FCRA that the debt has resulted from identity theft. And pursuant to 15 USC 1681m ( f ) ( 2 ) it states The prohibitions of this subsection shall apply to all persons collecting a debt. The Bureaus Inc continues to place the alleged debt in collection and it has been notified that this alleged debt is a result of identity theft. Please find my Federal Trade Commission Official Identity Theft Report attached. This account is a result of identity theft, act in integrity and accuracy and terminate all further collection efforts and stop violating federal law and the code of federal regulations your regulators put in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I paid the balance on my mortgage. 
On XX/XX/XXXX I received a letter from PNC congratulating me for paying my loan in full. The letter indicated that they were preparing documents to send to my county to release the lien on my property. 
On XX/XX/XXXX I received a check from my home owner 's policy for a covered loss. I didn't realize that PNC was also listed as a payee and deposited the check into my account with another institution. 
On XX/XX/XXXX I receive the check back from my bank indicating it couldn't be processed. 
On XX/XX/XXXX I went to PNC to have the check signed off on so I could deposit it. They would not sign off on the check, but requested an " exception ''. 
On XX/XX/XXXX I was notified by PNC that they could not sign off on the check because my mortgage was closed and I needed to contact the insurance company. 
I contacted the insurance company and was informed that I needed to get the lien release letter from PNC before they could reissue the check to just me. 
I contacted PNC again on XX/XX/XXXX and was told they couldn't help me. I asked to speak to a supervisor. 
On XX/XX/XXXX my insurance agent informed me that not only hadn't PNC sent a Lien Release notification to my insurance company, they also hadn't sent notification to the county I live in. So I have had a lien on my home for approximately 15 months after I paid off the mortgage. 
On XX/XX/XXXX I called PNC mortgage department again since I never received the return call I requested on XX/XX/XXXX. I was passed around to a few different people. I was finally told to contact the Lien Release Department and leave a message, which I did on : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX I never received a return call from any of those messages. 
On XX/XX/XXXX at approximately XXXX I went to a local branch of PNC to try to get someone to assist me with this situation since no one was returning my calls. I spoke to customer service and to a supervisor, but there still isn't any resolution. I still have a check I can't deposit or use from my insurance company AND I still have a lien on my home despite multiple attempts on my part to resolve this with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
What happened? In XX/XX/XXXX I settled 5 charge off accounts with Boeing Employees Credit Union. We are in agreement that the accounts are paid in full and paid as agreed. I have included a settlement letter from BECU that confirms this. A 6th account was settled in XX/XX/XXXX, letter attached. All 6 accounts appear on the included XXXX Credit Report, with red boxes marking the items described herein on pages 6-9 of the credit report. BECU stopped reporting the payment history on each of the accounts marked in red boxes in XX/XX/XXXX, but started reporting derogatory payment history anew, when I settled the accounts. This inaccurately reflects my payment history and RE-AGES my account in violation of the FCRA because it shows a recent delinquency. The attached letter confirms these accounts are PAID AS AGREED. Thus, the derogatory payment history must be deleted in accordance in the FCRA. The new reporting of derogatory information results in a reduction in my credit score. When I paid the accounts off, instead of an increase in my score, I received a DECREASE in my score due to recent delinquencies when BECU suddenly began reporting them. If BECU fails to delete the payment history, its only other option is to update the entire history as derogatory beginning when the first payment was missed for each account. Additionally, BECU continues to report 'Creditor can not locate individual ' which is false, as shows on page 9 of the XXXX credit report, marked in red. BECU has been in regular contact with me since XX/XX/XXXX, as proven by the attached letter confirming my settlements. I have twice tried to get them to remove this derogatory description using the dispute process, and each time they have 'verified ' it as accurate. This is clearly erroneous. I have contested these accounts with XXXX and they received 'verification ' from BECU that the accounts were reported accurately. As proven herein and by the attached, BECU 's XXXX reporting remains inaccurate. Having exhausted the dispute process with the XXXX credit bureau, I am seeking resolution via the CFPB as a next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a debt disclosure statement to USAA federal Savings Bank in reference to validate a loan. They responded back on XX/XX/2022 not validating the debt per the Truth in Lending Act at 1-5 U.S.C. 1601-1667f and 15 USC 1692 et seq.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND  THE XXXX data breach and may have gotten into the wrong hands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments.Pursuant to 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 


Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/2022 were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?

Company response to consumer: Closed with explanation