BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
Company: WELLS FARGO & COMPANY
State: PA
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:
XX/XX/2021 I reported Wells Fargo Mortgage for adding extra fees to my mortgage for the last few years, and they refused to send me a retro payment of extra fees that shouldn't be on my account. I have an escrow of {$1900.00}, that should be sent to me as an overage for this year. All of my taxes for the year are paid, and there should be a refund sent. Wells Fargo has refused to change my account as open on my credit report, and refuses to report my on-time payments to the Credit Bureau XXXX Here is my last receipt of reporting them online : 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 This e-mail is to acknowledge our receipt of your correspondence on XX/XX/2021. 

Please be advised that the entity you are inquiring about is subject to supervisory oversight by the Consumer Financial Protection Bureau ( CFPB ) for certain consumer protection laws and regulations. Accordingly, we are forwarding your correspondence to that agency, at the address below, for appropriate attention. 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Website : www.consumerfinance.gov Phone : XXXX Fax : XXXX TTY : XXXX We hope that this information is helpful to you. 

Sincerely, Federal Reserve XXXX XXXX XXXX Please do not respond to this message. If you need to contact us, please use the information listed below. 

Phone : ( XXXX ) XXXX | TTY : ( XXXX ) XXXX ( via a relay service ) | Fax : ( XXXX ) XXXX www.FederalReserveConsumerHelp.gov | Federal Reserve 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 2022-11-11
Company: EQUIFAX, INC.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated or corrected these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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:
These Consumer Reporting Agencies have continued to abuse my right to privacy, as well as unauthorized use of my non public information having no direct consent from me, which constitutes Identity Theft. I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. The reporting of this information has caused me to suffer severe defamation of character and discrimination as it has been creating unjust treatment, higher rates and fees upon the extension of credit. The information has also caused me great embarrassment as it is being reported without my consent and I was unaware of such reporting and now current and potential creditors have viewed me less favorably. I. have suffered from marital instability due to the financial stress and burden this adverse information conveys. UNITED STATES BANKRUPTCY XXXX XXXX XXXX XXXX NEW YORK - They do not report to any consumer reporting agencies. Meaning that these low down dirty consumer reporting agencies ASSUMED they had the AUTHORITY to FISH the Pacer network for consumers BANKRUPTCY records then furnish and profit of the HARDSHIPS, PAIN and SUFFERING hard WORKING AMERICANS are going through. This is DISHONORABLE to say the least, and should be ELIMINATED.

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 2022-12-20
Company: SOUTHSTATE CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have home mortgage through Southstate Bank in XX/XX/XXXX. My initial mortgage amount XXXX. The XXXX year my mortgage increased to XXXX. The third year I'm receiving mortgage bills for XXXX. I called initially on XX/XX/XXXX to question. I was told it was the property tax. Contacted the XXXX XXXX assessor dept to inquire. They did not have me as this being my primary residence. Submitted the forms to correct. I was told the difference is between XXXX XXXX XXXX XXXX XXXX. Called Southstate Bank on XX/XX/XXXX for explanation on how a XXXX XXXX difference on a home purchased for XXXX can result in a XXXX dollar increase on my monthly mortgage and this is creating a financial hardship on maintaining my mortgage. The answer I received is they underpaid the initial tax and is adding the tax for XXXX years into my mortgage payment. Explained that XXXX is beyond my monthly budget. Was told they would contact the tax assessor for a correction, but I'm still liable for the increased payment. Asked if the tax amount was incorrect on my initial mortgage and was based on income. How can I be expected to pay more than double. Says they will research. I've paid the increased mortgage for the past XXXX months and can not maintain that amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has violated 15 U.S. Code 6802, 15 U.S. Code 1681a, and 15 U.S. Code 1602.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hello, I received a XXXX notice about a possible fraud last night XX/XX/2022. It was in regard to XXXX XXXX accounts. I denied opening any accounts on XXXX and contacted XXXX XXXX. I spoke with the Frauds department who confirmed that my identity has been stolen! She couldnt give me much information however, it seems as though the imposter has possibly verified my drivers license as well. She told me all accounts had been shut down but couldnt give me any information on when they were attempted to be opened. She said there will be an investigation and I would be receiving information once everything has been resolved. We also figured out that the imposter was using an invalid address also. I then called XXXX and reported the fraud. They too opened an investigation. I got notification this am via a XXXX email confirming my opened accounts : XXXX  convenience checking and savings. I also received an email stating that my email address has been requested to be changed. I called again to XXXX  bank to verify all accounts were locked and it was confirmed. I plan to contact XXXX ; however, it is closed for the XXXX XXXX holiday today. I wanted to get this report in ASAP to make sure there isnt too much damage to my credit report and we can hopefully resolve this issue ASAP. Please let me know if there is anything else that I need to do.

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 2023-06-11
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company IC systems reported a collection account to my consumer report with the proper notice, giving me the ability to exercise my federal consumer rights to opt out of reporting or to dispute asking for proper validation. 15 usc 6802 ( b ) The company is reporting an account open as of XX/XX/XXXX. This account was originally on my account from XXXX or prior. The dates were changed and re-aged. The account isnt reporting date of last delinquency and reporting a negative payment history which is resulting in a defamation of character and causing me to be denied for new credit applications. This account is affecting me negatively.

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 2022-10-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt XXXX  XXXX XXXX XXXX ...., XXXX  XXXX XXXX XXXX ...., XXXX XXXX  XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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:
I Went into Car Dealership They Told Me They Would Only run my Credit Once, I obtained A Copy Of MY Credit report and it was ran several times without my written instructions. Heres a List Of The Hard Inquires 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please refer to attached documents for detailed information! 

This account remains inaccurate and not properly reported on my consumer report as they are in VIOLATION of my RIGHTS!!!!!

15 U.S. Code 1681a - Definitions ; rules of construction 15 USC 1666B 15 U.S Code 1681b 15 U.S Code 1681b 1681b-A ( 2 ) the reasons for the determination under subparagraph A and ( ii ) CONSIDERATION OF CONSUMER INFORMATION ( 4 )

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 2023-01-21
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called to dispute with carter young and the credit bureau. asking to validate the debt. 
They have not sent me anything validating the debt in XX/XX/2022 of {$320.00} and {$75.00}. 
on all XXXX of my credit report, it is showing different dates that the account was opened. and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
I received certified mail XX/XX/XXXX from BMO/Harris bank about repossessed car that i had cosigned on loan. I have never received any calls, letters or any type of communication from Harris bank prior to certified letter, and after they repossed car. BMO reported to credit agencys and my credit score has been very negatively impacted by more than XXXX points. Again i received no notices, letter, or phone communication of any kind, no notice to cure, nothing period! they repossessed car.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Lots of unnecessary fees charged

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 2023-01-21
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied online for a personal loan with Navy Fed your company discriminated against I sent a letter to Navy Fed and its been over 30 days with no response. Navy federal has discriminated against me by denying me my right to extend credit which is a violation of 15 USC 1691 ( a ) also 15 USC 6801 ( a ) by violating my right to privacy and consent by communicating without my consent my non public personal information to a non affiliated third party TransUnion. Furthermore violating 15 USC 1640 ( a ) ( i ). 
Proof of violations included in attachment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: United Shore Financial Services, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello loan number XXXX I made my XXXX mortgage payment of {$2000.00} as United Wholesale mortgage portal stated in the amount of {$2000.00}. on XX/XX/2023. 

I received a letter on XX/XX/2023 stating my XXXX payment is being held in suspense due to and amount due of {$770.00}. I was not made aware of this {$770.00} until I called and spoke to Customer service on XX/XX/2023. This is a problem for me because it looks like i have not paid my mortgage ON TIME!. 

The reason my Mortgage statement balance was only showing XXXX for the month of XXXX XXXX was due to a NYHAF remaining credit from XX/XX/2023. 

If not for the credit from NYHAF for {$860.00} The original XXXX payment would have been {$2900.00}, but with the credit of {$860.00} from NYHAF brought the payment to {$2000.00}. 

I am also due a credit of {$1300.00} from NYHAF this wire was sent to UWM on XX/XX/2023. UWM is aware of this and will post once they locate the payment I am told. 

All I want at this time is not have to pay an additional {$770.00} to UWM- when I was NOT told about making this payment until XX/XX/2023. 

Why should I have to make an additional payment of {$770.00} as I was just told about adding this to my XXXX payment - and I have a credit of {$860.00} and {$1300.00}. 

If all I saw in the UWM portal on the day of my XXXX payment was to pay {$2000.00} which I paid. 
The account then said XXXX balance in the UWM portal. for my XXXX XXXX payment. 

I do not want my credit to show any late payments because of this. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: CAINE & WEINER COMPANY, INC.
State: MI
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 sent 609 letters to company requesting proof of debt and there has been no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: ABSOLUTE CREDIT  LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXXXXXX XXXX Work on my Daughter start was XXXX and I paid in full ; XX/XX/XXXX I asked for a breakdown Ledger for my daughter from XXXX XXXX XXXX after treatment and payment XX/XX/XXXX and asked from a doctor for another Ledger in XXXX! Which my daughter had early treatment she was XXXX or XXXX and after the treatment we were going to just watch her and if she needed braces again as a teenager to see if she needed bracers again I have supporting documents I kept! 
This should of never went to collections This should have never been sent to a collection agency and should have never been sent to XXXX! XXXX XXXX XXXX for years I asked them to please fix this! This has been paid in full! I am glad I kept everything I am sending attachments that I faxed to the Collection Agency Absolute Credit sent me a letter on XX/XX/XXXX! 
XXXX XXXX XXXX XXXX should have never sent this to Collections! 
XXXX please needs to delete collections off my report so it looks like it was never there

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is not report of the resolved matter as to XXXX XXXX XXXX XXXX CLOSED LAWYERS POOLED IOLTA TRUST account at Chase Bank XX/XX/XXXX ( {$93000.00} ) which is now reopened. It is attempt to ensure that such IOLTA account is not unnecessarily made subject to OIG, FINCEN, CFPB, HUD ( SAR, etc ), after I correctly reported in Washington Court of Appeals No 83722-2-I and Co. 20-2-00743-37 Superior Court of Washington at Whatcom county where further insurer payment has been announced as being delivered to support sham tort claims connected to a condemnation proceeding -- in which title insurer objections and HAMP refinance application was announced by interlocutory condemnors ( No. 09-2-01773-1 Superior Court Whatcom Co. WA ; appeal 68202-4-I remand for " confusion in the record '' caused by condemnors ' counsel ) who conceal the fact of the interlocutory condemnors ' RCW 8.24.030 condemnation pleadings -- that I personally refused money as an interlocutory condemnee for being 18 U.S.C. 1956 ( c ) ( 4 ) ( A ) ( iii ) " disguise '' " concealment '' proceeds from interstate financial institution fraud connected to interstate title insurer objections, 31 U.S.C. 3729 False Claims Act mortgage concealment fraud affecting federal reserve bank functions ( e.g. U.S. v. Wells Fargo ; Kraus, Bishop v. Wells Fargo ; see also CFPB v. Wells Fargo Baltimore Maryland U.S. Dist. Ct Consent Order ) 18 U.S.C. 1512 tampering, 1515 ( 3 ) ( A ) - ( D ) concealment misconduct during 18 U.S.C. 1951 ( 1 ) ( a ) Hobbs Act " tort '' claim extortion ( e.g. U.S. v. Koziol ) possible mortgage fraud, while the " tort '' claims have no legitimacy under state law ( Pelley v. King County ) but only as extortion. This is written to ensure that I am immediately available to explain the circumstances which caused Chase Bank XXXX XXXX closure of the Cottingham Law Office PS IOLTA trust account holding pooled trust assets of clients which are in no way related to the

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: SC
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than record by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...

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