BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Bank of America filed delinquency garnish my credit history.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX and XXXX to reinvestigate these Bank of America credit card accounts : ending on XXXX and XXXX. However, they stated everything was complete and accurate. But it is the Bank of Americas fault froze my checking account which is used to send automatic payments to both of these credit cards, and then after it froze, it could not make the payment anymore. It caused the late payments. I have the same problem with the XXXX credit card, I paid the balance and closed the credit card. And XXXX is willing resolve the dispute and clear the delinquency. I paid off the remaining balance of the credit card on Bank of America and closed these credit card, but, they are not willing to solve the delinquency even though it is their fault on closing the checking account in the first place. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-08-16
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Escrow Analysis Date from XXXX XXXX. XXXX  of {$71.00} identified. If escrow shortage payment was made, new payment amount would be XXXX. If payment was spread, payment would be XXXX effective XX/XX/XXXX. 
XX/XX/XXXX Letter date from XXXX XXXX - Notice of Servicing Transfer received effective XXXX. 
XX/XX/XXXX Escrow payment made of {$71.00}. I sent it to XXXX XXXX based on the instructions on the Escrow Shortage Remittance Form with a note it was an escrow payment. It was received by XXXX XXXX, who transferred the funds to XXXX XXXX. 
XX/XX/XXXX XXXX XXXX received the escrow payment and applied it to principal on XX/XX/XXXX. 
XX/XX/XXXX I paid {$720.00} to XXXX XXXX, thinking the extra would go to principal. I was expecting the extra to be {$12.00} XX/XX/XXXX XXXX XXXX generated a monthly billing statement XX/XX/XXXX Upon receipt of the statement, it was reflected that the payment amount was {$710.00}. I contacted the Customer Service team at XXXX who said they would reverse my payment of XXXX and correctly reapply it as an escrow payment. Then they would reverse my XXXX payment and reapply my payment of {$720.00} correctly to allocate the additional to principal. 
XX/XX/XXXX XXXX XXXX generated a monthly statement. 
XX/XX/XXXX Upon receipt of the statement, it did not indicate any of the actions had been made as discussed on XX/XX/XXXX. I spoke with XXXX at the above number and she said not to worry about it... they were going to run a new escrow analysis in XXXX. I said I am not going to pay another escrow shortage. And you shouldn't be charging me a higher payment amount when I made the payment as instructed on my analysis. XXXX XXXX agreed to reverse the payment and reapply it to escrow, but would not change my monthly payment to the agreed payment of {$710.00}. 

XXXX XXXX would then blame Equity Resources for not sharing analysis data and when approaching Equity Resources on XX/XX/XXXX with XXXX claimed that XXXX XXXX was not factual. However, they had sent me a letter on XXXX that indicated they transferred my loan at the wrong payment amount.

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 2023-11-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$960.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX  XXXX XXXX Balance : {$710.00} ; XXXX  XXXX XXXX Balance : {$2000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
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:
In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking number : 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 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX  and a balance of {$31000.00}. 
XXXX XXXX XXXX  Auto Loan with account # XXXX opened on XX/XX/ and a balance of {$48000.00}. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX  and a balance of {$9400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's causing me 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 explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See document attached

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 2023-12-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXXXXXX. Account name : XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( Equifax ) XXXX Account name : XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX. 
Account name : XXXX XXXX. Account Name : US DEPT ED XXXX. 
Account name : XXXX XXXX. XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: CA
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

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 explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-08-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.

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 2022-07-02
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As a federally protected consumer, I am highly disappointed and unsatisfied with Jefferson Capital Systems , LLC. My name is XXXX XXXX and I am making this complaint against Jefferson Capital Systems , LLC for committing identity theft. I have no recollection of authorizing or giving Jefferson Capital Systems any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that claim I owe. I am fully aware that, in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with Jefferson Capital Systems and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Jefferson Capital Systems any right to collect on this alleged debt. I have also never received any documentation requesting validation from Jefferson Capital Systems before they decided to commit multiple federal violations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by furnishing this alleged debt to my consumer report ; including, but not limited to, 15 USC 1692d ( 4 ), which the FTC recognizes as DEBT PARKING. If Jefferson Capital Systems can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently and unauthorized fraudulent account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until Jefferson Capital Systems can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. If this documentary evidence can not be produced and Jefferson Capital Systems continues its collection efforts, I will file for arbitration and Jefferson Capital Systems will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE SEE ATTACHMENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
i have been trying to get 3 my credit reports and i keep no result from all 3 credit bureau. i was denied on XXXX XXXX XXXX because the bureaus arnt allowing 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 2023-01-27
Company: Experian Information Solutions Inc.
State: MO
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:
In accordance with the Fair Credit Reporting act Account numer XXXX XXXX XXXX XXXX, has violated my right. 

15 U.S>C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-09-22
Company: Sentry Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received numerous calls regarding this debt I have asked all of the collection agencies to resolve this issue I have filled out many affidavits starting in 2020. I have never received a detailed statement of charges I get a print out with two charges interest in late fees but no detail on when or what was bought at XXXX. I have tried many times included hiring a credit repair company to dispute this claim for me and no repose to them either I have no other debts on my report except for this and it is affecting my credit when this is not my responsibility and I have asked many times for this debit to be removed from my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home had damage from Hurricane Irma in XX/XX/XXXX. We filed a Wind damage claim with our insurance company in XXXX, within the 3 year window. After almost XXXX years of fighting with XXXX XXXX XXXX XXXX, and going to court settlement, we finally were granted a settlement, with the help of our Roof Contractor, and Public Adjuster we hired during the process. Nationstar Mortgage LLC, DBA Mr. Cooper, is our current lender and we needed them to endorse the check that came from the settlement, so we can start on our roof replacement repair. The check was sent to our lender for endorsement in XX/XX/XXXX. After several weeks of no response or seeing a copy of the endorsed check, it turns out that our lender, Mr. Cooper, lost the check. Our legal counsel had to have the opposing counsel request another check to be cut. After 3 months, a new check was sent out again, for all parties to endorse, in XXXX, XXXX. Then on XXXX, Hurrican Ian hit our home, here in XXXX XXXX, FL, and our home sustained even more damage, and yet we still never got our roof replaced/repaired from a Hurricane that hit in XXXX. Our lender, Mr. Cooper, sent us the check back, not endorsed, stating that the Public Adjuster we hired, couldn't be named on the check, and a new check would need to be cut without their name on it. They state that this is a FNMA rule. We explained to them that the court ordered the check to be cut this way, and a new check couldn't be cut without the Public Adjuster on it. Meanwhile this is all going on, several weeks keep passing, and my roof is still damaged from 2 hurricanes, and my lender is not helping us out, the customer. We are beyond frustrated and exhausted, and feel that our lender doesn't have our best interest in mind, to facilitate and work with us, to endorse the check, so we can actually get our roof repaired. We have XXXX children, several with XXXXXXXX XXXX XXXX XXXX and our lender is at fault for not endorsing the check, so we can make our home healthy and whole again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-12-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX XXXX we filed claim number XXXX with Wells Fargo Bank NA disputing unauthorized transactions made between XXXX XXXX XXXX  and XX/XX/ totaling {$1400.00}. 

Wells Fargo denied the claim. We disputed the denial and they again denied the request for reimbursement. 

The charges are from restaurants and food delivery services in XXXX XXXX XXXX  We reside in 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 monetary relief