BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The bureaus continues to put wrong information onto my reports affecting my life with no investigation to where the debts is mine these are not my utility debts at all I never lived at address please remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
Once I made an offer on a house and started the home buying process on or about XXXX XXXX 2015, with a projected closing date of XXXX XXXX 2015, it has been a steady dose of the highest level of incompetence from a major corporation that is Wells Fargo. Granted the house is a manufactured home, and I am a first time home buyer using my VA home loan benefit. We did n't make the XXXX XXXX date as the bank found a typo on the title paperwork and without notice, extended the closing date out until the XXXX of XXXX. I was n't notified and found out later from my realtor, who got the typo fixed in just a few days. As the XXXX approached, the bank came up with some other excuse and it was again delayed, with no future date established. 
Wells Fargo throughout this process has requested documents which have been provided in a timely matter. One example is the water test submitted on XXXX XXXX, on XXXX XXXX we are told by the bank that it must be retaken. At some point in XXXX, Wells Fargo mentioned that they would need to have an engineer inspect an addition built on the home, and that they would take care of that. Yesterday, XXXX XXXX we are told that the inspection still needs to be performed. 
These are only XXXX examples of how weeks after the original closing date had come and gone, and being told several times that we are just waiting on this form, only to have them request something more. They continue to blame the VA for having strict requirements, which I know is a fact. However, once several weeks, or even literally MONTHS into the process, the VA did n't invent new requirements. 
Once the original closing of XXXX XXXX was blown by Wells Fargo, I see no reason why they were unable to look at the entire package, and determine what was still missing. 
More than 2 months after starting this, I was asked to provide documentation on asmall monthly deposit into a checking account that had been there from day one. Why after 2 months are they only now asking for it? 
These are only a couple of examples of how this has continued from day XXXX. Another example is documentation on what I pay ion child support. I submitted requested documents on XXXX XXXX, and on the XXXX of XXXX, the bank tells me it 's not enough, and they are now asking for more information after more than a month has passed, and XXXX closing dated have come and gone. 
At this point I have no reason to believe that I will close on this even after 3 months have passed. 
I was pre-approved, have excellent credit, VA qualified, bank with Wells Fargo, permant employment, have a down payment and have been told multiple times throughout this process that we are real close, only to have the finish line moved out again and again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2022 I had disputed with XXXX about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendors XXXX or XXXX XXXX XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from XXXX do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

XX/XX/2022 I had disputed with experian about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendor XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from experian do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 


XX/XX/2022 I had disputed with XXXX about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendor XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from XXXX do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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 2022-04-19
Company: Experian Information Solutions Inc.
State: MS
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 15 USC 1681. 

XXXX XXXX XXXX  XXXX # XXXX ACCOUNT has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  XXXX XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
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 an account without my written instructions I DD NOT GIVE WRITTEN INSTRUCTION 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 records of convictions of crimes which antedates the report 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 non-monetary relief
Consumer complaint received 2022-07-22
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I attempted to apply for credit and was informed that this company has more than one social listed for me. I am a victim of identity theft and only have one social ending in XXXX. Any other socials are fraud or error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
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: Account status incorrect

Complaint:
On my transunion credit report as of XX/XX/2018 it shows a collection/charge off account for the entity XXXX XXXX. I do not have nor ever had such account as listed as 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 explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX  ACCOUNT # XXXX has violated my rights. 
XXXX, XXXX ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I DID NOT GIVE WRITTEN INSTRUCTION 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 records of convictions of crimes which antedates the report 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 non-monetary relief
Consumer complaint received 2017-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Other fee

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX Re : Capital One-Committing Fraud I owe Capital One {$170.00}. I asked Capital One to close account because I do n't Trust Them. They keep adding Bogus Charges to make Balance Higher. 

I want this matter resolved by me paying them what is Actually owed of {$170.00}. Account Closed with No Balance Owed after paying {$170.00}. 

Waiting for your reply, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/22, I sent a Cease and Desist and Debt Validation letter to Credit Acceptance. I will attach to this complaint for reference. I noticed that the contract that I had for a vehicle that was financed by them, were missing some disclosures and I was not made aware of the appropriate information as required by Federal Law. Credit Acceptance sent back a receipt acknowledging that they have received it, but never responded. They are violating my rights as a consumer to validate an alleged debt pursuant to 15 USC 1692g.

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 2022-07-22
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right 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 2022-07-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: MS
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 Lakeview ( subserviced by XXXX XXXX XXXX XXXX ) - Account # XXXX, has violated my rights. 
~ 15 USC 1681 Section 602 states I have the right to privacy.

~ 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

~ 15 USC 1666B : A creditor may not treat a payment a payment under and open end consumer credit plan as late for any purpose.

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 2020-06-17
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I divorced in XXXX. A home was settled in divorce through XXXX XXXX XXXX as my ex-husbands. He did not pay the debt. XXXX mortgage was XXXX, XXXX was Capital One. House was sold in Sheriff 's sale. In XXXX, I received a call from XXXX XXXX to " settle '' the debt which was previously Capital One 's, the XXXX mortgage. I " settled '' with XXXX XXXX for {$28000.00} on XXXX/XXXX/XXXX. Capital One has NEVER acknowledged that the debt was settled. It is my understanding based on my personal research, that it may have went to XXXX from Capital One then XXXX XXXX bought it from XXXX Capital One has continued to say I owe them the full amount yet they can not seem to provide any records or trail of what happened to the debt. I hired an attorney as Capital One decided to start putting it on my credit report in XXXX I think and would n't work with me towards resolution. 3 days after my attorney contacted Capital One, they sent a letter to me saying the account would be shown as " closed '' now. I thought this meant it was resolved yet now Capital One has sent me a XXXX for the full amount of {$44000.00}. I ca n't file my taxes now until this is resolved and they will NOT return my attorney 's call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
XX/XX/XXXX, my purse with all of my belongings ( including wallet with ssc, ID, credit cards, keys ) were stolen. Information such as inquiries and collection accounts on my credit report regarding business loans, and evictions are false in result of identity theft. I attempted to contact the credit card companies and reach out to collection company since XXXX, and stated to them that I am a victim of identity theft. They only told me to place fraud alerts on all accounts, however they proceeded to report false information on my credit report and continued to refuse my complaints. I also filed police reports.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 account below Has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681 XXXX Account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  XXXX has violated my rights 15 USC 1682 section 602.A States I have right to privacy 15 USC 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 2022-07-22
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a complaint against SN Serving corporation. 
I was previously serviced by XXXX XXXX XXXXs, During my last few months with American Portfolio i had requested for my PMI to be removed, XXXX XXXX asked me to pay for an appraisal to be done and if my appraisal came back over {$610000.00} i would qualify to have my PMI removed. 
The appraisal was done through XXXX XXXX Mortgages on XXXX, the appraisal came back at {$720000.00}. 

Right when XXXX XXXX were in the process of removing my PMI, my lone was bright by a new serving company SN Serving Corporation. I contact SN Serving by phone and explained the situation, they went on to say that if i can provide the appraisal and a letter from XXXX XXXX stating that PMI can be removed based on current market value then they would honor this and remove the PMI. 

On XXXX i sent SN Serving Corporation the appraisal and letter from my old serving company stating that PMI can be removed bested on current market value and if my appraisal came back over {$610000.00} i would qualify to have it removed. 
Since sending them this information they have been almost impossible to reach, I have since received a letter saying they don't remove PMI basted on current market value, Even though on the phone they said they would if i can provide the appraisal and letters and they also said on XXXX they would re look at this yet still they will not resolve this issue. 

Its not my flute they brought my loan mid process of PMI removal being completed with my older lender, I have been told i qualify to have it removed and it should be granted. 

They have not tried in anyway to resolve this issue which was in the process of happening when they brought my lone, This has been going on for months now and I need this to be resolved. 

I have never heard of any mortgage leaning refusing to remove PMI based on current market value, they need to honor my PMI removal as it was in process when they brought my lone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Recieved a letter from XXXX XXXX with XXXX XXXX Stating that i owe a debt for a bank account with Providian National Bank which ive never held an account with.

Company response to consumer: Closed with explanation