BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have every day checking account from Wells Fargo ending in XXXX. I wanted to close this account to consolidate all my accounts. Called the toll free # at around XXXXXXXX XXXX. I told them to close the account. But they said that there is a pending transaction and i need to call them again. 
I told him that I can 't call again as there is a significant wait time on phone lines and i have a full time job - so he can make a note on the account which he refused. 
I said that give me a email id or fax # - i will fax it ... .but i can't call. 
They don't have a fax # or email for account closure

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 2021-07-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 US Code 1681. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system, reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during these time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage transferred to another servicing company ( SLS ), and have been having issues sending payments via bank check through bill pay how I generally paid mortgage without issues. Since SLS took over mortgage, I have yet to receive a statement over 60 days ; which should provide info I need to sent up bank bill pay. I have managed to send payment still through their XXXX XXXX method, but charges a fee ; which I find unnecessary. The only contact info I have and use to contact SLS was provided by previous servicing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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: Information belongs to someone else

Complaint:
I am a current victim of identity theft, XXXX XXXX and Experian continue to report fraudulent activity on my credit report. XXXX XXXX XXXX XXXX ( {$7800.00} ), XXXX XXXX ( {$5900.00} ), XXXX XXXX ( {$6100.00} ), XXXXXXXX XXXX ( {$6300.00} ), XXXX XXXX XXXX ( {$3200.00} ), XXXX XXXX XXXX ( {$7400.00} ), XXXX XXXX ( {$1400.00} ), XXXX XXXX XXXX ( {$570.00} ). FTC has been filed in XXXX of 2021 they did not comply within the 5-7 business days according to federal law.

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 2015-09-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
During a period between XX/XX/XXXX-XX/XX/XXXX I was required to visit the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. At the time I was without any form of insurance, and applied for and was approved for what was then termed " XXXX XXXX '' which was sponsored and paid directly by XXXX for uninsured, low-income patients. However, the application was apparently mishandled and the information never properly submitted, so I now have multiple negative credit items reflected on my credit reports ( for several visits, but all covered by the submitted XXXX application at the time ) Due to the manner in which billing is done at the medical center, these negative items are being reflected as different credit items from several departments, and none of them acknowledge or notate the approved XXXX XXXX assistance by XXXX. The items listed and in need of removal include the following : XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX REC $ XXXXMy credit score is at least XXXX points lower than it should otherwise be as a result of the failure/refusal of XXXX and the credit bureau 's to remove the items covered by my XXXX insurance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03
Company: Reverse Mortgage Solutions, Inc.
State: NV
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Reverse Mortgage heir payoff. My mother and Father have both passed away. The house is in need of repairs. I started moving things out of the house and making repairs. All roof and plumbing leaks have been repaired, but I have run out of time so I requested a payoff. Then I found out about an heir payoff and had to resubmit a request again even though I have the same name and they knew I was a son. The way I understand an heir payoff is it is the lesser of the loan balance or 95 % of the market value. The pay off I received is {$450000.00}. The new appraised value, even after market values in this area have risen and some repairs were completed is {$460000.00}. I understand the rules as 95 % of XXXX = XXXX which is less than XXXX. They insist that XXXX is less than XXXX so I need to pay the whole loan. This is beside the fact that it has taken a long time to get this information and interest keeps building. My brother believes he sent in a payback request back in XXXX 2014 with no response. Reverse Mortgage Solutions Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX.

Company response to consumer: Closed
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: TN
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, amount {$830.00} 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, also states a consumer reporting agency can not furnish an account without my written instructions. 

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX 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 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 2016-05-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX was deleted on my credit report in XXXX and as of XXXX XXXX 2016, this account was reinserted on my credit report causing a decrease in score and also refelcts inaccurate information. Also a XXXX account for the amount of {$830.00} was deleted then reinsterted again. This has caused signficant decrease in my credit score. I attempted to file a dispute with both XXXX and Equifax and nothing was resolved. I recently called Equifax today XXXX/XXXX/2016 explaining the siutation and nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
After reviewing my credit report in detail at the XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

We requested " description of reinvestigation procedure '' multiple times. The not only did n't respond within 15 days of receipt but they simply ignored the request entirely. See attached letter and certified receipts. XXXX and XXXX responded within time allowed saying they could n't fully verify and comply with the request so they took it off. 

Accounts in question are : 1. XXXX XXXX XXXX ( creditcard ) - First date of delinquency is 7 years 2. XXXX - First Date of delinquency is 7 years Thank you for your time and i 'm looking forward to getting this resolved. have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Equifax is unable to update my personal information such as address, telephone number, and transmit it to XXXX and XXXX. Equifax has been unable to update this information because XXXX and XXXX will not communicate correctly with Equifax. Equifax is unable to fix the Equifax ID Patrol product credit report lock feature. It 's currently not working which would allow for me to lock my credit report. Currently this has been a problem for 8 months and is ongoing. I believe I 'm the victim of Identity Theft and use of my personal and professional information is being used in ill will. There is a feature that Equifax provides as an email to consumer stating that no news is good news dissuading you from checking the internal ID portal, in a way assuring you everything is ok. This is a false status email and I believe is wrong. All prior complaints of change of addresses and phone numbers from my account have been removed, but still have incorrect data published. Equifax is now telling me it 's my responsibility to update the information with XXXX and XXXX. Eliminating the obligation of reporting to the other credit agencies from what I pay for each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed a XXXX XXXX credit card a few times with all XXXX credit bureau and all XXXX claim XXXX XXXX says the account is mine. When I call XXXX XXXX, they tell me that they have no record of any account with my social security number. They tell me that I should dispute the item on my reports, which of course, I have. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
According to the new credit reporting rules, any medical debt that has been paid must be removed promptly from your credit report. Equifax is failing to comply with this new rule even though I sent them supporting documentation. 

The new rules I 'm referring to can be found on the following reputable source links XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have provided documentation to all the XXXX reporting agencies and only Equifax has chosen to leave the tax lien, which was found to be an error by the state of XXXX, on my credit report. I have done everything that I can do on my end to resolve this issue. Please assist me in anyway that you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Listed on my credit report from Equafax is a collection debt for {$77.00}. The account number is : XXXX. 
There is no identifying information for this debt. I am not aware of who owns this debt, or how to contact them. I am wishing to resolve this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a current victim of identity theft, Transunion, XXXX, and XXXX  continue to report fraudulent activity on my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ( {$2600.00} ), XXXX XXXX ( {$6800.00} XXXX, XXXX XXXX XXXX XXXX ( {$2400.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.

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 2016-06-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
XXXX, Equifax and XXXX have altered my financial records without providing to me any explanation for doing so. As such, I have no idea why XXXX especially, altered my credit records, and as such, I have no way to dispute, if I desired to dispute it, that alteration. On XXXX XXXX, 2016, my credit score with XXXX was XXXX and contained XXXX XXXX XXXX hard inquiry. On XXXX XXXX, 2016, for whatever reason XXXX XXXX ), XXXX lowered my score by ( XXXX XXXX points? and added XXXX XXXX XXXX hard inquiries to my file? Equifax and XXXX did the identical thing. In XXXX, 2016, I filed a complaint against XXXX for the identical conduct and they corrected my record. Sadly, XXXX did not learn much from that complaint, because on XXXX XXXX, 2016, they did the identical thing. This secret altering of my financial records at these XXXX bureaus is adversely affecting my financial security and ability to engage in financial transactions. It has become clear to me that these agencies arbitrarily ( add or delete information to a person 's private records ) without the consumer ever knowing it is being done nor the reason ( s ) why it is being done. You ought to put a STOP to their shenanigans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Professional Service Bureau
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
for the second day in a row ive gotten someone calling me 12 to 13 times back to back within the same minute. they first did it yesterday on an unknown number and then did it again today with exact same number of calls leading me to believe the unknown number was them as well. they sent an email about the debt, i responded saying to stop contacting me via email and phone but these calls are persisting.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: AL
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 XXXX ( XXXX ) -Account # : XXXX, XXXX XXXX XXXX XXXX-Account XXXX XXXX XXXX, XXXX XXXX XXXX-Account # : XXXX XXXX XXXX XXXX XXXX-Account # : XXXX, XXXX XXXX XXXX XXXX-Account # : XXXX, XXXX XXXXAccount # XXXX XXXX, XXXXXXXX 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 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 2016-08-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: The Outsource Group, Inc
State: NC
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 was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: PulteGroup, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX I was told by the loan processor at Pulte Mortgage that the underwriter does not need my tax transcripts for XXXX  and will accept my W2 to verify my income, while having XXXX tax returns. 6 days before closing on XX/XX/XXXX, I was notify that I have to file my taxes after I notify the lender I have file an extension with the irs, they reassured I have to file my taxes early and that it was a XXXX XXXX guidelines, which they already had my previous 2 years tax returns. There was a payment due for my taxes, which I applied for 180 day extension. The underwriter notify me that I must pay my tax bill that isnt due til XXXX before closing, so I proceed to pay the tax bill on my CC. The underwriter and now forcing me to pay off my credit card part of closing while my DTI XXXX %. I do not believe the underwriter has the ability to force me to file my taxes early and pay my tax bill before its due. I do not blame anybody besides the Underwriter for my loan

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 2015-07-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am only trying to obtain my free annual credit report and each XXXX of the questions did not pertain to anything I 've ever done in the past. I have never had a mortgage/ loan for a home. I am concerned that I 've had some kind of identity theft and this concerns me as we are trying to apply for an FHA loan.

Company response to consumer: Closed with non-monetary relief