BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: NY
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:
Whom It May Concern : Pursuant to 15 uS 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 uSg 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. You guys have unauthorized use of consumer transaction and also refused to disclose to an consumer their information on file and its history. Its illegal to withhold consumer information upon request. I DEMAND TO CEASE AND DESIST ALL ILLEGAL REPORTS FOLLOWING. 

* ALL EMPLOYMENT ( XXXX XXXX XXXX ) * ALL inquiries unauthorized to furnish * REMOVE ALL COLLECTION HISTORY and keep the amount on file * INVOICE {$1000.00} per individual action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Bank filed a foreclosure complaint containing a promissory note that I did not sign because the original lender denied my loan for the amount Wells Fargo is complaining of. Also, Wells Fargo attached a mortgage to its complaint to foreclose that did not have acknowledgements or have been sworn to before a notary.

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 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/2020, I filed a dispute with XXXX, XXXX  and Transunion credit bureaus about the inaccurate reporting from XXXX and XXXX for reporting late payments inaccurately on my credit report and these items should be removed according to the FCRA act. in This time I have not yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

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 2020-08-11
Company: EQUIFAX, INC.
State: FL
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 have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my account that are not mine. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts and inquiries, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: TCF NATIONAL BANK
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I was denied a re-finance mortgage of real estate by TCF Bank. The approval process took almost a year, with multiple delays created by the bank. I spent nearly {$600.00} in appraisal fees, and nearly one year of time attempting to secure this loan. I took another job during the inordinate amount of time that the Bank took and that became the reason for the denial of my loan. They delayed the loan by asking for the same documents repeatedly. They used other time delay tactics like going " dark '' and not communicating the status of the loan. The bank would ask for repairs for be done to the property that did not need to be done for non-existent issues. The bank also requested that a re-inspection be done after the repairs for the non-existent issues were done. The bank then asked for a certification from a licensed " roofing-professional ' to be provided. This professional license does not exist in the state the property is in, so the request was nonsensical and impossible to obtain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11
Company: EQUIFAX, 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:
In XX/XX/2020, I filed a dispute with XXXX, Equifax and XXXX  credit bureaus about the inaccurate reporting from XXXX and XXXX for reporting late payments inaccurately on my credit report and these items should be removed according to the FCRA act. in This time I have not yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: United Consumers Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Keeps calling even after I told them we do not know " XXXX ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Glasser and Glasser, PLC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I am at high risk for COVID-19 for health reasons so I can not go to court but I was sent a summary judgement. 
I believe in justice and the way I am being treated is not justice. The Plaintiff will automatically win because I am following NC Governor XXXX Safe at Home order. 
This stronghold and unfairness treatment for me and my well being is suspect at best. I am being set up to fail and not be heard. I do not have a job which is why I am behind on bills. I do not have a residence but live with a friend. I have no possessions. I told the creditors lawyers this but Glasser and Glasser has made it a mission to harass me and go around the law to win their motions. 
I need this summary hearing postponed. 

XXXX XXXX XXXX File no : XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Focus Holding Company
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Focus Receivables Management has a collection against me supposedly from XXXX XXXX XXXX. I have not used XXXX XXXX in 5-6 years and left them all paid up. No one has left a message, sent a letter or emailed me. I happened to see this when applying for a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent this letter to Trans Union on XXXX/XXXX/XXXX and nothing has happened.These collections still remain on Trans unions report but the other agencies have declined them.Per the Colorado State statute " at that time '' violations had to be " personally '' served to you. Service by mail was not applicable so Therefor no service no collection. Colorado statute 42-4-110.5 I maintain that I do not owe these collections and the other credit agencies agree. I would like Trans Union to remove these collections from there report as they are damaging a otherwise perfect credit score. 



Trans Union XXXX/XXXX/XXXX Re : XXXX/City of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Co. XXXX XXXX Tickets : - XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX I originally disputed this collection with you on XX/XX/XXXX. Since it has been supposedly investigated by you 3 times. I believe your investigation process is inadequate and on each time the The City of XXXX, Co simply states that I owe the debt but they and you will not provide me with the date of service. Per letter of XX/XX/XXXX I have to be personally served. That does not include being mailed a copy. If I am not personally served with in 90 days of the supposed infraction the ticket has to be dismissed. I have asked Trans Union numerous times to provide proof of personal service, the date served and or mailed, and served by whom. I would need copies of that. Trans Union simply asks if the debt exists but not if it is valid. 
The City of XXXX Co. has obtained a judgment against me in all XXXX of these tickets because I refused to go to their courtroom to discuss citations that had already exceeded the 90 day rule. At that time the tickets where null and void and there should be nothing to discuss. I never responded to any correspondence and they have no proof that I received any correspondence. 
# 1- I am again asking that Trans Union remove all XXXX of these collections from my credit report. If they initiate another investigation I am wanting the proof of service supplied to me so the debt can be validated or not. 
# 2- I am requesting that Trans Union indicate on my credit that I am disputing all XXXX of these collections. That is my right as a consumer. 
Thank You

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 2022-01-28
Company: American Recovery Service Incorporated
State: KY
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 a victim of identity theft and my consumer rights are being violated. XXXX XXXX and American Recovery Services Inc ( ARSI ), are attempting to collect an alleged debt that I do not owe. I have provided XXXX XXXX with the FTC Identity Theft report and have sent them more than enough proof to relieve me of this alleged fraudulent debt. I have attached the documents. It is unlawful that these organizations are colluding together to take advantage of me and attempt to collect this alleged debt which I have informed them multiple times that I do not owe them any money. They are also ruining my general reputation by reporting these fraudulent accounts that are not mine to the credit reporting agencies. The are committing deflation of character against me. I need support and I am going to be forced to take legal action if I do not get help. These big companies are harassing me and abusing their power! I will not back down, please help me. My consumer rights are being violated according to the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Bread Financial Holdings, Inc.
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2020- XX/XX/2020XXXX XXXX  and XXXX XXXX XXXX XXXX  both companies run by Comenity Bank reported late payments on all three reporting agencies. I was on a payment plan during that time because I was laid off work because of XXXX. I made my payments and they still reported late. I have sent several letters to XXXX, XXXX, XXXX sending my canceled checks and letters from XXXX and XXXX that I was on a payment plan and they are refusing to delete that wrong information. In the dispute section I can see the result of their investigation but the item remain the same even though I have proof of the mistake. The other one is XXXX XXXX that account was designated to my ex-husband by a judge for him to pay ( i have documented proof of judgement ) I paid the account and they XXXX keeps reporting it as not paid. XXXX, XXXX, and experian wont delete or change the information and I have a letter from XXXX XXXX stating that I paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had XXXX under my school loans and before XXXX was XXXX XXXX which goes back to year 2013. XXXX is currently being sued because of there conduct of how they handled there school loans.I have two school loans with them and currently they switched to XXXX. Im  XXXX and sent my paperwork showing my full XXXX and Navient thru me under the bus and couldnt help me dismiss my loans. I had the run around and XXXX kept switching me from forbearance to income driven with my account where I should be under XXXX percent XXXX with all the paperwork that was sent to them from my doctor and myself. XXXX never got my records straight and kept charging me interest throw out the years from 2013 till today. I want my school loans dismissed due to XXXX messing up and me being XXXX. If I have to get my own attorney, I will. I hope you can assist in getting my two loans dismissed. XXXX caused a real mess with my accounts. Please call me, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I recently checked my credit report and saw that there are two fraudulent accounts on my credit report. One is from XXXX XXXX and the other is from Discover

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: OneMain Finance Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owe a balance to  XXXX   XXXX , it took months to send payment because I usually wait until my insurance kicks in before paying. Well, I waited too long and the outstanding balance went to Receivables Management Systems  (   XXXX , VA company ), where they billed me {$40.00} fee. I paid the amount due to  XXXX   XXXX  ; however I do n't see how the {$40.00} is rightful ( or even lawful ) to charge. The {$40.00} collection fee was billed to me, so that means I 'm paying  XXXX  to collect from me? That does n't make sense. The {$40.00} should be charged to  XXXX   XXXX , since they hired  XXXX . Also,  XXXX  is billing interest. I did n't sign consent to be billed the fee or to collect interest. Who give  XXXX  the right to do ( and collect  )  anything they want? I did not sign this agreement with  XXXX .  <P/> The attached document is an old copy. The {$110.00} has been paid.

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 2020-08-11
Company: RANLife, Inc.
State: UT
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:
Sometime in early 2020 RANlife Real Estate ( NMLS # XXXX ) " sold '' my loan from their XXXX division ( NMLS # XXXX ) to their Loan Servicing division ( NMLS # XXXX ), but the communication of this change never indicated I would need to change my BillPay information ( in fact, they can not even provide me with evidence I ever actually received any such notification ). 

As a result three of my payments went to my old account ( owned by NMLS # XXXX ) and were not applied to the new loan they generated in their Loan Servicing Division ( which is also their own parent company - NMLS # XXXX ). The result is I have three " missed payments '' on my credit report which were not missed at all. This had a significant negative impact on my credit report/score. 

I was never even notified of this until I received notice that my loan was in default status. I called their office several times and at no time did any of their representatives ever mention this issue. I had to sort out their mess on my own time. I had to work with their mutually shared " loss mitigation '' department in order to buy myself the time to undo the mess they created. ( It's also worth mentioning the only " help '' I got from their " Loss Mitigation '' department was an " offer of help '' that DOUBLED my monthly mortgage payment for SIX MONTHS. ) This has been a horrible experience and has created extensive damage to my credit. 

Reference CFPB Complaint Number XXXX, and you will see where they stated they FINALLY got around to returning the funds - so I could take still MORE of MY time to fix this issue. ( Also worth mentioning it took them a month after their reply to return all of the funds they stated to have returned in their response to you. ) This is a HIGHLY UNETHICAL company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: AVANTE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
THIS IS MY THIRD TIME CONTACTING XXXX  ABOUT THIS COMPANY REPORT ERRONEOUS INFORMATION ON MY CREDIT REPORT! I will be working with my attorney to make sure that AVANTE USA Will cease these deceptive strategies. This company AVANTE USA is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit scorXXXX. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. Furthermore, AVANTE USA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX XXXX XXXX : XX/XX/1994

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
This complaint is to dispute the response of Chase on case numbers XXXX and XXXX. The information in the response is not accurate. I have provided all documentation as requested in XXXX and the file was not closed. Furthermore, the criteria for documentation changes and Chase does not share the reason documentation is needed. ( i.e. needing proof of income and bank statement to provide proof of reserves ) Instead a series of requests for documents with changing criteria. 
In addition, even after my file has been disputed twice, still no decision has been made on my file which has been in review since XXXX 2015.

Company response to consumer: Closed with explanation