BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-18
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
WELLS FARGO HOME MORTGAGE XXXX XXXX XXXX XXXX XXXX, IAXXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$120000.00} Type of Account A mortgage account is real estate loan. : Mortgage Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$110000.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 29 Creditor Classification : Activity Designator : Paid and Closed Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Conventional RE Mortgage Date of First Delinquency : N/A Comments : Fixed rate

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 2020-02-18
Company: Recovery Solutions Group, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Recovery Solutions Group sent me an email and written letter threatening to identify, through their own investigation, my personal assets including bank accounts, mortgage lenders , county, state and federal authorities, and tax authorities. They have threatened this without giving me 30 days to dispute the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I attempted to reinstate my mortgage. Based on a repayment letter issued XX/XX/XXXX & verification of calling the lender I had until the end of XX/XX/XXXX to remit payment of {$3000.00}. XX/XX/XXXX I first attempted to send a moneygram based on the information provided in letter format & verification by phone call with lender. The lender refused to accept funds through the moneygram format. I had to resort to getting 4 money orders for the balance due of {$3000.00} and sending them by mail, in the same envelope XX/XX/XXXX. I received 3 separate letters dated XX/XX/XXXX, each with a single money order stating I had did not submit enough to reinstate the loan. I sent a request to the lender 's research department indicating I had sent all the funds in the same envelope. I received a response XX/XX/XXXX indicating I had only sent {$2000.00}. Then I received a 4th envelope with the missing {$1000.00} money order dated XX/XX/XXXX again stating insufficient funds.I called and spoke to a supervisor who upon research verified that the lender did receive all 4 money orders but the cashiering department had only posted {$2000.00} of the {$3000.00} submitted. She indicated I could re quest another reinstatement but now would have to pay an additional 2 months mortgage up front and all associated fees despite the proof I had submitted the correct balance. No fees will be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: NY
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:
Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.

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 2019-08-05
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:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan listed here is not accurate - account number, company name, payment history, everything is incorrect..Remove the student loans asap XXXX XXXX XXXX , XXXX XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, XXXX/DEPTOFED  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 2017-04-19
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Apparently,  XXXX   XXXX   XXXX   XXXX  sold a closed/paid account of mine to a collector. A collection account that was on my credit report through Enhanced Recovery was sold to another collections comp any, AFNI. Now, both are appearing on my credit report and AFNI is mis-representing the date the account was open. The open date shoul d have be en  X/X/XX  but  they are claiming it was open in   XX/XX . Th ey are also reporting that I missed a payment in   X/XX . I  have never heard of this company and I have never received any information from them. I 'm in the process of buying a home and this is now preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$9800.00} XXXX XXXX   XXXX {$350.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$580.00}

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 2018-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX applied for line of credit home equity loan with Bank of America XX/XX/XXXX received letter from BofA disapproving loan application due to debt is high relative to income and " based in whole or part on information in credit report from XXXX XXXX ''. This was incredible given my qualifications for the XXXX or XXXX HELOC, including about 900k in equity, about 800k in savings ( IRA ), and credit rating of XXXX.

The letter also informed me of my right to request disclosure of information used to make this illogical decision.

XX/XX/XXXX I sent written request to BofA exercising my right to request disclosure of information used to deny me the loan, including information from XXXX XXXX that was used to disapprove my application. I requested the information be provided by XX/XX/XXXX.

XX/XX/XXXX I sent letter to BofA formally requesting withdrawal of my loan application and demanding that BofA not place any type of lean on my property. I informed them that I am still awaiting information requested in my XX/XX/XXXX that I expected by XX/XX/XXXX.

XX/XX/XXXX I still have not received requested information as I was informed I have a right to receive.

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 2022-08-30
Company: EQUIFAX, INC.
State: NJ
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: MI
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, 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 explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX Date of inquiry XX/XX/2021

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 2022-02-01
Company: U.S. BANCORP
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent US Bank documentation showing my debit was paid off and they are still showing my account as open and owing money!

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 2017-08-28
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My phone was stolen on the XX/XX/XXXX, so I also lost my XXXX XXXX XXXX. 
It seems that there is no human support for Coinbase and I was asked by a bot to verify my ID using my webcam - which I did. As I have moved countries, I get the following error message : ID does not match profile. 
Coinbase has no email support, no call centre and does not answer XXXX XXXX either. 
As far as I am concerned, this constitutes fraud - they have my money and I have no way of getting it back. My intention was to buy Bitcoin, but without access to my money I have now lost a potential {$2000.00} USD. 
Very frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 2022-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reported on my Credit Report as well inability to report accurate only information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesting that the Credit Bureaus take their time to verify the information being reported on my Credit File. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureaus have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately 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 2017-04-20
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I woke up in a hospital on someday in  XXXX . It 's  XXXX  and I 'm getting repeated phone calls from a collection agency stating that I owe over a {$1000.00} dollars for an ambulance ride. I had active medical coverage at the time. This should have been billed to my insurance because it was active during that time.     The ambulance company ma de zero at tempt to notify of my bill. The bill was never mailed to my address , ( wh ich they had on file ), and no email was ever  sent ( which they have my email as well ). And no p hone calls were made in an attempt to reach me.     Now it is too late for this bill to be ran through my insurance because the claim is too old.

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 2017-08-29
Company: Western-Shamrock Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I sent a cease and desist letter to Western Shamrock Finance in  XXXX, Texas ( I have attached a copy of same ) per the instructions of a debt consolidation company I was conversing with. I later decided against using the consolidation company, so they sent letters to my debtors stating they no longer represented me. 

On XX/XX/XXXX I received another call from the a representative with same company, Western Shamrock. I told her I sent them a cease and desist letter and sent it to them again dated XX/XX/XXXX. I received another call and she stated " I was told to call you and your references every day until we receive a payment ''. I told her that was harassment and they needed to review the letter again and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
See attached BMO Complaint for easier reading. 

Opened a new checking account and a money market account with qualifying activities and am entitled to a {$500.00} bonus. The company will not pay the bonus, saying the direct deposits do not count as qualifying transactions. With this I disagree. The details of the activity and offer are as follows. 

*Offer 1 : Get a {$400.00} bonus when you open a new BMO Harris Smart Money Account , BMO Harris Smart Advantage Account , or BMO Harris Premier Account and complete the following steps : 1 ) Have a cumulative total of {$6000.00} in direct deposits of a paycheck, pension payment,  Social Security payment, or other government benefits payment electronically deposited into the account from an employer or outside agency within 120 days of opening. We reserve the right to request documentation that the direct deposits qualify. 

1. XX/XX/XXXX -- XXXX ACH DEPOSIT -- Payroll From XXXX  XXXX XX/XX/XXXX -- XXXX ACH DEPOSIT -- Payroll From XXXX  2 ) Enroll in BMO Digital Banking and set up paperless statements within 120 days of account opening. You must still be enrolled in paperless statements when the cash bonus is credited. 

Done 3 ) Have at least 10 qualifying transactions post to your account within 120 days of account opening. Qualifying transactions include ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. 


1 XX/XX/2019 {$100.00} ACH DEPOSIT 2 XX/XX/2019 {$50.00} ACH DEPOSIT 3 XX/XX/2019 {$50.00} ACH DEPOSIT 4 XX/XX/2019 {$50.00} ACH DEPOSIT 5 XX/XX/2019 {$50.00} ACH DEPOSIT 6 XX/XX/2019 {$50.00} ACH DEPOSIT 7 XX/XX/2019 {$50.00} ACH DEPOSIT 8 XX/XX/2019 {$3000.00} ACH DEPOSIT 9 XX/XX/2019 {$3000.00} ACH DEPOSIT 10 XX/XX/2019 {$3000.00} ACH DEBIT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30
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:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

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 2022-08-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I AM REQUESTING XXXX, XXXX AND EXPERIAN TO REMOVE THE CREDIT FREEZE, FRAUD ALERTS SO THAT CFPB CAN AIN IN PORTECTING MY CREDIT FAIRLY. WHEN THE DISPUTES ARE COMPLETED I WILL REPLACE THEM BACK ON MY REPORT.

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