BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-03
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of identity theft. My Discover credit card was used without my authorization. I contacted Discover card and submitted a fraud dispute. As per Discover dispute department requests, I submitted a affidavit and filed a police report. Discover is stating they denied my dispute and will transfer the balance to my account. I spoke to XXXX a representative at Discover Dispute and requested to speak to a supervisor. I have not received a response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
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've been trying to get this account off of my EQUIFAX credit report as it was removed from my XXXX  report. The account is fraudulent and is on my report unlawfully by the third party creditor XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never received any documentation from this company to this date stating that there's a debt owed to them. The account listed above is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: N.A.R., Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a letter with Texas State guidelines for debt validation and received no response. I contacted XXXX and reminded them that the FCRA states that all debts that have n't been properly validated must be removed from the report until the debt can legally be verified. XXXX has continued to willfully violate the FCRA by reporting this debt without proper validation. North American Recovery also continues to violate the FCRA for not validating the debt as per Texas XXXX Code by providing the documentation that is required by Texas law. I sent them a copy of the criteria and they are willful non compliance with the FCRA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: DISCOVER BANK
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Discover canceled my card for inactivity and they did so with a complete lack of adequate warning. Since I am a XXXX, I know that this will impact my credit score as this was my oldest open credit card and it will reduce the total credit availability to me so my utilization rate will now increase. I received an email on the day they closed my account ( XXXX/XXXX/15 ) saying that my account had been closed for inactivity. When I called customer service, they said the account had already been closed and could not be reopened without new application, which defeats the point. 

When I expressed my dismay that they did not provide any notice, they said two things that I can not accept : 1 ) " Well, we sent you a letter on XXXX/XXXX/15, '' XXXX it may have been XXXX ), and 2 ) " We are not required to provide any notice. '' First of all, sending me a letter 2 days before you take action is not " notice. '' I actually still have n't received this supposed letter, but even if it had the correct address or they really mailed it, I still would not have received it in time to use the card and prevent the closure. Second, the fact that they said they are not required to provide notice really irritated me. I have been a customer of theirs for 19 years and have almost an XXXX credit score. Just because they do n't HAVE to does n't mean it is n't good business to do it. So, I told them I 'd be complaining to the CFPB because maybe they SHOULD " have to '' as it negatively impacts people 's credit score when it happens. 

I think you should make a rule that they have to provide 30 days notice before closing a card for inactivity. It also sounded like they can define the length of inactivity that warrants closure as they see fit, so I think another component of the rule should be an industry standard for what length of inactivity has to be met before closure can happen. 

Because I work in financial empowerment, I know this probably happens to a lot of people who do n't understand how it will impact them. For example, I am JUST about to apply for a HELOC and this could impact my interest rate or even my ability to get approved. Could you imagine if I were in the process of buying a home and my lender had given the typical " do n't change anything with your credit '' instructions and then this happened before closing?! It could tank the whole deal for someone. I 'm making sure that someone who can do something about it hears about it. I hope you 'll make a rule so other consumers can avoid this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bayview Loan Servicing , LLC denied me a HAMP Loan Modification because I " make too much money ''. This Servicer failed to give me a fair evaluation of my income and expenses. In addition, Bayview Loan Servicing , LLC failed to provide other remedies available to address my mortgage problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: NC
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:
According to North Carolina Law ; General Statute, Section 1-52.1 of the North Carolina Rules of Civil Procedure, The Statute of Limitations that governs the debts that are being reported to my credit file by XXXX validate the fact that these debts being reported have expired and fallen outside of the statutes of limitations. You can reference XXXX XXXX with the link below, but at this time I demand that all entries on my credit file be removed from all credit bureaus under the guidelines set forth by the State of North Carolina Law. 

Please remove all entries by XXXX from my credit files immediately as the expirations of these collections expired a considerable amount of time ago. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: SC
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 young and I didn't know anything about credit. Once I got older I realized that my identity was used which i do not understand how people was able to open any accounts in my name because i was not old enough at the time or aware. I did not know anything about credit. I am just now learning about credit. 

I have 3 closed accounts on my credit report that I did not open : -XXXX XXXX XXXX - 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have one collection that I did not authorize : - XXXX XXXX XXXX

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 2015-07-29
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I made a Money Transfer by Western Union from XXXX to XXXX XXXX. I received a MTCN number for the transaction, but when I went to take the money the western union agent do not have all the money necessary to pay me ( total amount of {$150000.00} - american dollars ). So I received XXXX checks : XXXX of {$100000.00} and other of {$50000.00}. 
The problem is that when I deposited these checks in my bank account ( XXXX XXXX ), the bank refused XXXX checks, saying that the checks do not have founds and closed my account, holding these checks. They gave me copies of the checks and told me that the originals would be sent in a few weeks, but they did not arrived yet. I tried to talk with the Western Union, but I did not receive any answer or help even trying to talk with different agents. I would like to take my money in cash as soon as possible. I am waiting for a solution and I can not wait anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: SUNRISE CREDIT SERVICES, INC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting repeated calls from sunrise credit services and keep asking me to pay the xxxxx amount. I never receive any documentation that this debt have been validated. I get calls anywhere between morning and afternoon even if i'm at work i'm getting 4-5 times calls. I'm working hard with a credit repair services in regards with debt validation and disputes.

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 2016-07-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX I received a letter from Wells Fargo stating that they were releasing the lien on my XXXX mortgage with them. They stated they were releasing me from any obligation to make payments on the loan now or in the future. On XXXX XXXX, XXXX Wells Fargo recorded a Full Reconveyance with the county recorder 's office granting me sole title to my home. Relying on their statements, I believed that my previous loan and account were closed. On XXXX XXXX, XXXX I received a notice from Wells Fargo, XXXX XXXX XXXX, and an attorney representing Wells Fargo that they had referred a loan in my name to foreclosure. The account number listed was not one I had ever opened or authorized. It did not correspond to my previous mortgage account number. I wrote Wells Fargo by certified mail on XXXX XXXX, XXXX, notifying them of the error, and notifying them that my previous mortgage account was closed, and that I had not opened or authorized any subsequent accounts. On XXXX XXXX, XXXX they wrote me, stating they would resolve the issue by XXXX XXXX, XXXX. I have had no response from them since, and they have not corrected these mortgage servicing errors. I filed a police report and FTC identity theft report when I discovered Wells Fargo was reporting to the credit bureaus a mortgage account in my name that I did not authorize. On XXXX XXXX, XXXX I sent a credit report dispute notice to Wells Fargo by certified mail, providing proof that my previous loan was current at the time it was closed and that I had not authorized the loan they state is in default. I have received no response. On XXXX XXXX, XXXX I again wrote Wells Fargo by certified mail requesting a reply to my XXXX XXXX notice of mortgage servicing errors and XXXX XXXX notice of credit reporting errors, and supplying further proof that the account they state is in default was opened without my authorization after my previous mortgage account was closed. I have received no response. Wells Fargo continues to state that my home is in foreclosure on a loan I did not authorize. Despite my repeatedly submitting proof that I no longer have any accounts with them, that they no longer have a valid lien on my property, and that they used my identity without my authorization to create a new mortgage account, they continue to report to the credit agencies that I am delinquent on XXXX separate XXXX mortgages for the same property. They also refuse to stop foreclosure proceedings against my property, even though they have no valid mortgage or lien on the property.

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 2016-01-13
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hello, got denied for a credit card application from BBVA compass. States " unable to verify identifying information ''. They denied me without confirming which information they need. I am very open to share whatever information they need to verify my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: FL
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:
This complaint to Equifax was the result of their non-compliance to my request and for theirrefusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal CreditReporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to helpme block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have had a first mortgage and second mortgage with Wells Fargo for quite a few years. I have never missed a payment. Recently, I applied for a new first mortgage that combined XXXX my first and second present mortgages. I was turned down due to " Excessive obligations in relation to income, Income insufficient for amount of credit requested, Value or type of collateral not sufficient. '' Then I added an additional XXXX/month by increasing my monthly payment from XXXX. I did not need this extra money, or even the {$1000.00} original payment so I put about {$3000.00} in my money market account each month. I was again turned down for the same reason. I spent over {$10000.00} in application fees. 

Given that my income exceeds my needs by almost $ XXXX/month and the payment on a new loan would be less that my present XXXX loans, and given that my credit report is in the XXXX range, there is something very fishy here. It appears that Wells Fargo wants to keep the original loans as is because they get more interest income. 

My Income vs Expenses/Month Income/Month After Taxes Social Security {$1100.00} XXXXS XXXX ( XXXX ) {$2300.00} XXXX one time/year : XXXX $ XXXX ) {$370.00} XXXX ( to be increased ) {$2800.00} XXXX Primary {$2400.00} XXXX other {$490.00} Husband 's Rental Income ( handed to me each month* ) {$2400.00} XXXX XXXX ( variable from {$100.00} - {$2000.00} ) {$300.00} *Husband 's renter gives him XXXX checks each year and he signs them all to me at one time. 
TOTAL {$12000.00} I also have a Money Market account where I put my access funds. 

Expenses/Month XXXX ( XXXX ) {$2600.00} XXXX Rental expenses {$3800.00} XXXX water ( XXXX ), XXXX XXXX XXXX ), XXXX & XXXX XXXX XXXX ), XXXX XXXX XXXX ) {$370.00} XXXX XXXX XXXX XXXX {$500.00} Miscellaneous estimate {$2000.00} TOTAL : {$9400.00} The nearly {$3000.00} left over is put into my Money Market account. 
I always pay my credit cards in full every month. I do not owe anything else. 

Other Information Both my husband and I have medical insurance for life, grandfathered from XXXX that has little or NO CO-PAYMENT. We also have dental insurance that has a moderate co-payment. Also, I 've had no car payments for the last 21 years XXXX XXXX XXXX XXXX XXXX. I also keep at least {$2000.00} in cash at home. 

My credit rating is at the XXXX level.

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 2016-03-03
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card
Issue: Payoff process

Complaint:
I 'm handling the estate of XXXX XXXX XXXX. I know he has a balance due to Wells Fargo for a credit card, but I do n't know the amount. I have called and tried to reach a human there to no avail. They leave me messages from the " Deceased Management Office '' with Reference No. XXXX, and they tell me to call ( XXXX XXXX XXXX. When I call, I wait on hold and no one ever picks up my call. I 've waited as long as XXXX and 20 minutes before. I want to close this estate, but I have to pay all the creditors first.

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 2022-04-21
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed multiple hard inquiries on my credit report from the specific date of XX/XX/22. I did not authorize any of these hard inquiries, nor do I hold an account with any of these companies. 
My credit score dropped XXXX points because of this. 

Not acceptable! I have already tried calling each company listed from XX/XX/22 individually to investigate.

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 2015-08-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I closed my Wells Fargo IRA in XXXX 2015 and noticed that funds were still withdrawn in XXXX 2015 from my Wells Fargo checking account to go into this nonexistent account. I notified the claims department and I was given a temporary credit in XXXX and then it was reversed XXXX " because I failed to return a Wells Fargo Document ''. I am currently out of the country and have been for several months and therefore I have not received any mail nor were any messages provided to me that claims department needed additional information. This reversal caused my checking account to be overdrawn and I suffered a series of overdraft charges as a result. Curious why Wells Fargo reversed this or asking for notarized statements, etc. since this is pretty straightforward : I closed the Wells Fargo IRA so what sense does it make for me to still be deducting funds from my checking account to continue to place funds into an Wells Fargo IRA that I closed and no longer exists? Now I have been chasing a moving target of notarized statements and poor customer service ( you can read the email thread I am enclosing as an attachment ). 


P.S. I called twice this morning and XXXX times, after being on hold for around 30 minutes each time, XXXX representatives I spoke with were very rude and seemingly incompetent. It was almost as if I was interrupting them. Is not their job to field questions from customers in a professional manner? For the record, the first rep hung up on me ( I am sure of it ) after I asked her for an explanation and the second one actually yelled at me ( yes, yelled at me ) when I asked her the question I asked you above, namely, what sense does it may for me to continue to deduct funds from my checking to put it into a Wells Fargo IRA that no longer exists? So, please do not ask me to call your XXXX number again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-04-21
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian and XXXX have my current address incorrect. The address XXXX XXXX XXXX XXXX in XXXX XXXX Missouri XXXX is a property that XXXX XXXX owns. 
My Address is XXXX XXXX XXXX XXXX XXXX Missouri XXXX. 
I have asked them to change this for several years and they ignore me.

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