BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I advised wells Fargo that i was requesting relief because i live in a federal disaster area. they are refusing to apply said relief to my account. i did not make my XX/XX/XXXX payment due to hurricane Irma. I made myXX/XX/XXXX payment on XX/XX/XXXX and they are refusing to post it to my account. this is what they sent me. 
XXXX XXXX : Thank you for your partial payment toward your mortgage loan account ending in XXXX. 

Since we 're unable to make partial payments to the loan, we 'll hold these funds for you until you make the rest of your payment. At that time, we 'll apply the full amount of the monthly payment to your loan. Your due date will not advance until the full payment is applied. 

You may incur a late charge if we do not receive your full monthly payment by the end of the grace period. Please make the full monthly mortgage payment by the due date on your billing statement. 

Please call XXXX for more information and to pay the remaining balance. Our hours are Monday through Friday, XXXX XXXX to XXXX XXXX, Saturday, XXXX XXXX to XXXX XXXX Central Time. 

please advise them that they are in violation of the federal disaster declaration from XXXX XXXX florida. They are nothing but crooks and belong in prison.

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 2022-02-15
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have sent in statements from the original creditor that the information is clearly inaccurate and violates the FDCPA and the FCRA and have cited the specific statutes in my disputes and have not received any result. I was living in California at the time and the RosenthaXXXX Fair Debt Collection Practice Act and the Federal FDCPA said Collectors may not use False or Misleading statements. I have submitted proof of the changes in the account balance without any payment being paid as a direct violation of this Law. This has caused drastic harm on my credit and prevented me from getting apartments and was even turned down for a job because of it. I am not running from my debt, I would like this issue to be resolved as they have clearly violated State and FederaXXXX laws. 
XXXX XXXX XXXX XXXX XXXX XXXX IN EFFECT -XXXX XXXX XXXX  pledge to pay {$200.00} rental assistance for late rent and property manager refused payment -XXXX  XXXX landlord file eviction -XXXX  XXXX, XXXX XXXX XXXX XXXX Close due to LOCKDOWN, never notified of eviction. And could not file a response XXXX XXXX, court date for lock out, extended due to morotorium extention ruling for XXXX XXXX XXXX XXXX City of XXXX also enacted extension with no lockouts. 
XXXX XXXX XXXX XXXX positive for COVID test result attached XXXX ( mid month ) court hearing regarding eviction. Court rules in XXXX XXXX XXXX favor. Try to settle debt. Attached court document and breakdown of debt at that time. 
Back rent no start date to XXXX {$9400.00}. 
*Utilities~ XX/XX/XXXX ( because property manager withheld sending me bill to pay the utilities and that was brought to the courts attention ) XXXX : {$150.00} *Attorney fees {$1200.00} *Cost ( unknown ) {$360.00} XXXX XXXX : court hearing regarding lock out date. 
XXXX test positive for COVID Again. 
And provided to court.I vacate property due to thinking I would be locked out and gave notice to my property manager ( turned in keys and electric garage door opener ) and my attorney the same day. 
- Court states I will be locked out 3 days later but then reverse decision. 
Judge filed ruling XXXX XXXX regarding XXXX XXXX hearing. 
XXXX XXXX XXXX Warfield opened a collection against my credit with XXXX XXXX listed as original creditor in the amount of {$17000.00} Throughout XXXX, I have contacted the legal office of ATTORNEY XXXX XXXX AND XXXX  with no response or being put on hold for long periods of time with no productive response to settle debt. 
XXXX XXXX collection amount from Hunter Warfield {$19000.00} on my credit report to date with no contact, no written information as to how to settle the debt, complete the debt or whom to contact regarding debt collection. 
To date I have not received any notice of balance or agency to contact regarding debt issue in writing to my address of record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All three credit reporting companies are reporting my last car payment to XXXX XXXX reflects XX/XX/2019. I have payments in XXXX, XXXX, XXXX, and XXXX, 2019, all of which are above the minimum amount due. These payments would of course reflect positively on my credit score!!

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX Account # 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 a 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 2022-02-15
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX / 60 Days late in XX/XX/2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX, I found seven accounts reporting inaccurate information on my credit report. On XX/XX/XXXX, I wrote and mailed a letter to XXXX, Experian, and XXXX XXXX ; asking them to correct the seven errors. Well over 30 days have passed, and I have yet to receive a response from any of them.

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 2022-07-15
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:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
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: Investigation took more than 30 days

Complaint:
In XXXX, I found seven accounts reporting inaccurate information on my credit report. On XXXX XXXX, I wrote and mailed a letter to XXXX, XXXX and Trans Union ; asking them to correct the seven errors. Well over 30 days have passed, and I have yet to receive a response from any of them.

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 2022-07-15
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: PRIMARY RESIDENTIAL MORTGAGE
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of last year, I asked Primary Residential Mortgage , Inc., for a payoff statement. They said they would send one, but I didn't receive it. I have asked again several times since then. Each time they promise they will send me a payoff statement so I can pay off the mortgage, but nothing has arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
since SPS has been servicing the loan ; its been a nightmare SPS does a bpo of my home every 3 months they never dispute the value each valuation is way out of range and too high from the realtor its never corrected SPS uses wrong valuation and do not account for the affordability over and over again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AMCA letter asking me to pay an amount of {$81.00} to them. " If payment is not made within twenty-one days, your account will be reviewed for additional collection efforts. '' They listed the service provider as XXXX XXXX XXXX. I did not pay this bill because I have paid the {$30.00} debt I owed to XXXX already. 

I called the number the letter provided me, XXXX and it is an automated English accent that did not seem professional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-07-15
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:
i am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

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 2022-07-15
Company: EQUIFAX, 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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 2019-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Capital One Bank # XXXX is reporting a late in XX/XX/19 that is innaccurate. I attempted to pay this multiple times online and it showed that it went through, it wasn't until later that I got a notice that I was late. This is their fault, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
The Equifax breech made clear that none of these credit report agencies have my or any other consumer 's security in mind. As a consumer, I have no ability to manage, secure, or opt out of the system. 

Identity theft is a real problem and all to easy commit with limited knowledge of the victim. Steps have to be taken on the federal level to protect US citizens and consumers from Identity theft and misuse. As I see it, the following actions need to be taken : 1. Prohibit the social security number from being used as a means of identification. The SSN should be used only for the collection, assessment, and distribution of social security taxes only. The dependency on a " secret number '' that is required for virtually every " big ticket '' purchase to keep our identities safe is an exercise in foolishness.
2. Set up HIPAA-like protections on identity. Force modern encryption standards on all databases containing identifying data. Make it incumbent upon any agency that wants to collect and store such data to properly secure it so that breech of a database can do limited damage at most. Impose stiff mandatory fines upon any company that loses control of such data and force compensation to be paid to any possible victim.
3. Come up with a system where identity can only be verified with participation of the consumer. Possibly based on a XXXX platform. Thereby the user can explicitly control who has access to his/her identity and who does not.
With modern day encryption techniques and technology, this level of security is attainable. One of  the main duties of the Federal Government is to protect its citizens from harm. Read any account of anybody who has had their identity stolen and you will realize a living XXXX that I pray I never experience. Do what 's right, protect your citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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 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 2017-09-06
Company: Mar Joe Enterprises
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Apparently back in 2012, I visited the doctor ( I was still under my parents insurance plan ), and my insurance supposedly did n't cover any of the expenses. I had no knowledge of the debt being owed until I began applying for loans, credit cards, auto financing, etc. So once I found out about the debt, I called the collection agency it was with and asked for a copy of a detailed bill ( which they were never able to provide ). The debt was then transferred to a different collections agency who attempted to call me everyday at XXXX XXXX while I was attending XXXX XXXX XXXX. I was finally fed up with the collection efforts ( since no one could explain the debt and why the insurance did not pay it ), and disputed the charges through XXXX who found my claims to be accurate and removed the derogatory account from my credit report. Now, the other agences ( XXXX, XXXX ) will not remove the item as they say it is accurate. I do not undersatnd 1. Why my insurance did n't cover this debt ( my Dad had state benefits because he was a Conservation Officer at the time so he had really good insurance ) 2. Why this debt is still showing up on my credit report though it was removed by XXXX but is still reported by the others and 3. Why no one can provide me with a detailed bill. It has been 5 years of putting up with this nonsense and I refuse to allow this to impact my ability for financial success and one day owning a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, 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:
Inquiries : XXXX on XX/XX/XXXX - XXXX XXXX, A XXXX on XX/XX/XXXX - What happened : customer service would not help and take care of the negative inquiries reporting to your credit report.

Company response to consumer: Closed with explanation