BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting acXXXX 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 2015-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had a Mortgage with XXXX in XX/XX/XXXX they sold the Loan to Bank of America, shortly after I had been with Bank of America, Bank of America send me a letter stating I was 10 months behind, I explained how can that be when I have not had my Mortgage with them for that Long, they explained that I had been behind with XXXX XXXX, I send them proof of my payment of the Months they stated I did not pay, I had made the payments thru XXXX XXXX, Bank of America send me another letter stating they wanted a letter from XXXX XXXX stating that they received the payments, XXXX XXXX send them the exact same thing I send them, Bank of America wanted more from XXXX XXXX, and XXXX XXXX said they have send them all that they can send that is proof of payment received and payment send. I could not get Bank of America to budge, I did not want to loose my Home so I applied for a Modification, Bank of America denied the Modification and I was forced to file Bankruptcy this was in XXXX my Bankruptcy discharged in XX/XX/XXXX. I applied for a Job with XXXX XXXX XXXX and they pulled my credit, XXXX XXXX showed up on my credit report they are showing I am late on the Mortgage XXXX and XXXX, XXXX I called XXXX XXXX and I explained I do not have a Mortgage with them, they told me they Purchased the Loan from Bank of America their Balance showing is {$140000.00}. I had a Balance with Bank of America for {$110000.00} please help me, this is hurting my credit and hurting me from getting a job with any Bank. I can be reached @ XXXX I will be happy to provide my Bankruptcy papers if you need them. 
Thank YouSincerelyXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
The account in dispute is # : XXXX being reported by XXXX XXXX XXXX XXXX reporting to XXXX and transunion Date opened was : XX/XX/XXXX Account closed on : XX/XX/XXXX Showing multiple late payments from XX/XX/XXXX - XX/XX/XXXX High balance of {$10000.00} In accordance with the Fair Credit Reporting act 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 2017-05-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My Experian Credit Report has halted all credit reporting activity from my creditors. My last active report was done on  XXXX   XXXX  ,2017. All o ther Exper ian Credit Reports have been ok. All of the sudden my whole credit history is gone and Experian is not reporting or the credit ors are not reporting to them since that date. I would like to know what happen.     My first action was to contact Experian, however the only simple resolution was to call all my creditors to report to them, but that will be a taunting task to do all myself. I have uploaded my most recent Experian Credit Report belo w. Two repres entatives tried to assist me but only came with  XXXX  recent closed  XXXX   XXXX  card since  2017   . They  XXXX  soft credit pulls. They do have a service called Experian  Credit Works and  also there regular consumer Experian website.     In addition I will also include the most current credit report that has nothing of my credit report information, just my personal information.     On a side note :  XXXX  and   XXXX   are reporting accurately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To: Whom It May concern:I am writing to dispute a fraudulent charge on my account in the amount of $XXXXI am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-- COLLECTION ACCOUNT –1. XXXX XXXX XXXX with ACCT #XXXXXXXXXXXXXXX opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.

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 2017-10-13
Company: Pinnacle Credit Services, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter to XXXX and the Collection Agency to verify/validate the debt by sending proof of verification that I owe this debt, it is not enough for the Collection Agency to simply send me a print out of an amount allegedly owed. 

If they are unable to verify this debt, they are not allowed to continue listing this debt on my credit report. I have made a dispute with the credit bureaus as well and they still are reporting this on my report without having verified this debt belongs to me. 

Please assist me with having this company remove the listing from my credit report. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: FL
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 Fair Credit Reporting Act XXXX XXXX acct number ending XXXX, have 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.

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 2021-11-18
Company: Comerica
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Staff at The Non FOR Profit I live at ; XXXX XXXX XXXX XXXX. CLAIMED THAT THEY STOLE MY SSI MONEY AND REDIRECTED MY SSI FUNDS TO A DIFFERENT CARD. THEY PUT IT IN DIRECT DEPOSIT IN ANOTHER ACCOUNT. I DO NOT KNOW WHAT ACCOUNT. SO IF IT IS TRUE, MY SSI PAYMENT WILL NOT BE IN MY DIRECT EXPRESS ACCOUNT CARD ENDING IN XXXX. THE STAFF AT XXXX XXXX XXXX XXXX LOCATED AT XXXX XXXX XXXX XXXX, XXXX, NY XXXX, NUMBER IS XXXX XXXX. THEY ARE JUST CRIMINALS, THAT IS ALL. PLEASE CHECK WITH THE SOCIAL SECURITY ADMINISTRATION AND GET BACK TO ME AT XXXX AND LET ME KNOW IF THEY HAVE REDIRECTED MY SSI?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
A credit card from XXXX XXXX is reporting negative on my credit file. It shows me as an authorized user. I never authorized anyone to put me on their credit. They never called me for permission to use my information or anything. I have notified XXXX XXXX that this is not my account and i don't want to be on anyone 's card. However XXXX XXXX continue to report it on my credit every month with a new late payment and drop my score. I pay my bills. This is defaming my charachter

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 2022-05-14
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have attached an account that is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached circled pictures of the account with the inaccuracies.

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 2017-05-23
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX   XXXX  ,2015-  XXXX - I  call  XXXX   XXXX   XXXX   XXXX  and they will try to removed this off my credit report because it 's pas t 7 years old. n o change on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Company: EQUIFAX, INC.
State: IL
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:
A credit card from XXXX XXXX is reporting negative on my credit file. It shows me as an authorized user. I never authorized anyone to put me on their credit. They never called me for permission to use my information or anything. I have notified XXXX XXXX that this is not my account and i don't want to be on anyone 's card. However XXXX XXXX continue to report it on my credit every month with a new late payment and drop my score. I pay my bills. This is defaming my charachter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX usaa closed my account locked me out so I could not withdrawals any of my funds.. they informed me based on the depository agreement they have up to XXXX days to send my money. I have called at least XXXX times and get a different answer every time it now has been XXXX days and they still havent closed my account and sent my funds to me. They never gave me a reason why they said they can close it anytime. Worst customer service nobody is helping me I havent been able to pay my XXXX bills my sons XXXX and late on all my accounts because they blocked my money {$1400.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wrote a check from my personal checking account at XXXX Bank on XXXX XXXX, XXXX, to an incorporated roofing company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
The check was stolen along with other checks from a USPO mailbox on or about XX/XX/XXXX. An individual deposited the check into a personal checking account at Wells Fargo Bank and cleared my account on XXXX XXXX, XXXX. The individual is not related or affiliated in any way with the roofing company. My bank, XXXX made a formal request to Wells Fargo Bank for a Breach of Warranty Claim- Presentment Warranty stating the type of Warranty Claim was " Indorsement is Missing/Unauthorized/Fraudulent. To my knowledge, XXXX Bank has not received a formal response from Wells Fargo regarding the Breach of Warranty. 
I filed a claim with CFPB, claim # XXXX. CFPB forwarded the complaint to Wells Fargo who replied to me and with a copy to CFPB stating that " the bank can not assume any liability when a customer chooses to do business with questionable individuals ''. CFPB responded to me that the company had responded, and the case was closed with explanation. I would like to appeal the decision of CFPB to close the case, based upon the unauthorized Indorsement by a customer at Wells Fargo Bank.

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 2015-12-16
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Notice as of XXXX XXXX, XXXX : I submitted a complaint about this earlier this year. It is still on my record, even though the mortgage company said they corrected it! Ocwen reported I was 180 days late in XXXX XXXX, even though I was under a program with the State of XXXX/HUD for 'Keep My XXXX Home ' and HUD was making my payments, but Ocwen reported it as late, when it was not! This is STILL on my record, and it is incorrect! 
The acct is closed/paid off, but this error still exists and I asked that they remove the incorrect error, but it is still there!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Servicing has initiated foreclosure action against me while failing to properly follow the rules and procedures set forth by the CFPB governing foreclosure : Notification of Foreclosure Alternatives : Servicers must let borrowers know about their " loss mitigation options '' to retain their home after borrowers have missed two consecutive payments. They must provide them a written notice that includes examples of options that might be available to them as alternatives to foreclosure and instructions for how to obtain more information. Green Tree has never provided " loss mitigation options ''. 
Direct and Ongoing Access to Servicing Personnel : Servicers must have policies and procedures in place to provide delinquent borrowers with direct, easy, ongoing access to employees responsible for helping them. These personnel are responsible for alerting borrowers to any missing information on their applications, telling borrowers about the status of any loss mitigation application, and making sure documents get to the right servicing personnel for processing. Green Tree had, in a letter, provided an agent for this account, XXXX @ extension XXXX. I have left numerous messages without ever receiving a callback. In XXXX & XXXX, Green Tree left door hangers on my front door that read " Important - Please contact us ''. The phone numbers on the hangers were not-in-service. 
Fair Review Process : The servicer must consider all foreclosure alternatives available from the mortgage owners or investors - those with decision-making power over the loan - to help the borrower retain the home. These options can range from deferment of payments to loan modifications. And servicers can no longer steer borrowers to those options that are most financially favorable for the servicer. Green Tree has found it more financially compelling to proceed with foreclosure rather than work with the borrower as it would be too costly to do the latter. 
No Foreclosure Sale Until All Other Alternatives Considered : Once the servicer offers an alternative to foreclosure, they must give the borrower time to accept the offer before moving for foreclosure judgment or conducting a foreclosure sale. Servicers can not foreclose on a property if the borrower and servicer have come to a loss mitigation agreement, unless the borrower fails to perform under that agreement. Green Tree has never initiated " loss mitigation options '' as set by the rules of the CFPB, and therefore never worked with me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: Nationwide Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
my XXXX page said there was fraudulent activity on my XXXX account... .i was directed to a representative of XXXX XXXX .or so i thought ... .he directed me to another sight where he took over my browser... .he said i have to through some steps to verify that its me in order to solve the problem... i watched the cursor go to XXXX credit ... XXXX XXXX it very clear i do not want to apply for XXXX credit, i was XXXX that im not, this was just to verify my identity, on XXXX, XXXX bank, through transunion XXXX XXXX a hard inquiry on my credit causing my XXXX XXXX to go down XXXX points! 
i did not, authorize this! 
i do not want a credit line or loan with 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 2016-02-05
Company: Ditech Financial LLC
State: IA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a loan with Ditech ( GreenTree ) that was originally with another company. When I requested a payoff quote there is a corporate advance fee for around {$560.00}. When I called I was told this was for a deferred payment I had. My payments have always been around {$100.00}. I do n't know how or why there would be a deferred payment in that amount in XXXX of 2013. After reading some complaints, I am wondering if this " deferment '' happened when the loan was transferred from whichever company had my loan before GreenTree. I also wonder why the fee only shows up on my payoff quote and not my monthly statement. Are they hoping to sneak in something if I were to pay it off all at once.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief