BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: EQUIFAX, 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 XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: APEX Asset Management, LLC
State: NJ
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:
APEX ASSET MANAGEMENT, XXXX XXXX  XXXX XXXX XXXX, XXXX, PA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNTOF {$1300.00} AND ADDED A DEROGATORY MARK ON MY CREDIT REPORT PER XXXX XXXX. UPON FURTHER RESEARCH, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THIS ACCOUNT. DEBTORS CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO, THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND NO ONE CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO FCRA, APEX ASSET MANAGEMENT HAS VIOLATED MY RIGHTS AS AN CONSUMER AND I'M REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Dear CFPB : I believe Wells Fargo is participating in misleading mortgage lending practices, given the recent experience I had with them in seeking to secure a LOC ; I have an existing mortgage with them and a 25 year mortgage and banking relationship. The specific issues and practices for review include : lack of transparency on closing costs and a " surprise '' right before closing in which closing fees had increased by more than {$500.00} ; encouraging the opening of an additional account to " receive '' such fees resulting in additional account maintenance fees to me, even though I had a relationship with WF already and at least XXXX existing accounts the funds could have gone into ; and potentially illegal practices related to the use of notary services such that a notary would notarize for an individual not in their presence ; the notary in my case refused to sign. There were many other issues of incompetency, delay, and various clerical errors involved in the transaction as well. 

In my case, this LOC application process took 3 full months to get to the point of closure even though I had a 25 year history with WF including mortgages and a mortgage re-financing 2 years ago, as well as a high credit score ( XXXX ) and had NEVER missed or been late on a mortgage payment. I am concerned that other consumers with less knowledge and a less secure financial situation may be being targeted by WF and the victims of continued unfair practices even following the reforms following the 2008 financial collapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
While reviewing my credit report I noticed some things that alarmed me. I noticed someone was using information to get financial aid of some sort in the form of student loans and other things. It was alarming because this was not me nor did i give anyone permission or consent to use my information this was not.

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 2022-07-06
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:
I have submitted an identity theft report to the three credit bureaus with all of my fraudulent account and inquiries since I was out of the country I have had fruadulent bank accounts, credit cards and inquiries that are not mine.

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 2022-07-06
Company: EQUIFAX, 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 have submitted an identity theft report to the three credit bureaus with all of my fraudulent account and inquiries since I was out of the country I have had fruadulent bank accounts, credit cards and inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below 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, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand my accounts be verified or deleted immediately.

( Attached, I have my Credit Bureau Letters, 2 forms of ID, FTC Affidavit )

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 2016-12-05
Company: WESTERN UNION COMPANY, THE
State: HI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I made a Customer Access Request and provided the appropriate documents however I was never provided with the detailed documents ( See attached page XXXX ) I anticipated receiving such as : 1 ) Banking Security Code Authorization approval document receipts authorizing the specific transaction ( Indicating the Date and Time of authorization ) Card Purchase Date XXXX/XXXX/2016 ; Posted XXXX Checking Account XXXX/XXXX/2016. 
2 ) The Name of the Individual who was supposed to receive the funds XXXX ) A Copy of the signature release form from the vendor who released the funds to the intended receiver. 
What I received from Western Union are shown on pages XXXX and XXXX of XXXX pages ; and if you notice XXXX/XXXX/2016 was not even listed on the Western Union documents provide me. 
I contacted Western Union concerning the error within the provided documents See page ( XXXX ) of ( XXXX ) pages for specific details. Pages ( XXXX ) thru ( XXXX ) of ( XXXX ) pages shows details of follow up attempt inquiries as to wither or not I would be provided the original requested documents. 
I may have spoken with Western Union one time since XXXX XXXX, 2016 concerning this issue and conceded to file a follow up complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX 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 2022-07-06
Company: American Financial Resources, Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is a XXXX renovation loan, now service by American financial resources. The total amount of the loan was {$30000.00}. Initial payment was made, {$15000.00} was paid to XXXX at the close of escrow. The remaining balance and final draw of {$14000.00} was requested upon completion of the renovations on XX/XX/22. XXXX, specifically XXXX, claims that documents are not received or are incomplete, incorrect, under review. XXXX is refusing to pay the XXXX as stipulated in the XXXX loan. Further I am obligated to continue to make mortgage payments on monies not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
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:
I sent letters to Equifax Credit Bureaus the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX-Balance {$200.00} XXXX-XXXX-Balance {$0.00} XXXX-XXXX-Balance {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: ID
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 XXXX also known as XXXX  acct # 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 To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of.

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.

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 2022-02-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX Bank is discriminating against me as a XXXX XXXX American female who has attempted to clear my debt and have my Credit Report updated appropriately, after they have received and cashed a Legal Closing Attorney 's Check which was submitted to them in XXXX and was endorsed and cashed by XXXX Bank on XX/XX/XXXX. They are now falsely claiming that they did not receive the check and causing my credit to be negatively impacting due to the systemic XXXX practices. Also, they Retaliated against me on this week by negatively impacting my score by XXXX points after opening up a dispute with Equifax. Also, when I called on Monday of this week XX/XX/XXXX, I informed the XXXX Customer Service Rep that I had planned to open another CFPB complaint, and in turn, I was retaliated against by XXXX who submitted another False Negative Update to my Equifax Credit Report, after they had already received the check and numerous communications had been made to Customer Service regarding the Settlement Account which had been paid for {$880.00}. Instead, they chose to Retaliate further against me as a XXXX XXXX American Female and U.S. Veteran after I raised concerns to Customer Service and CFPB in a prior complaint when they refused to provide me with the actual Settlement letter so I could close on our Home. This is nothing but blatant systemic XXXX  and an economic suppression tactic exuded by XXXX Bank. My account has been paid and XXXX also verified the Settlement amount with XXXX, prior to it being paid as well, prior to our Refinance Closing scheduled with XXXX on XX/XX/XXXX. 

They have done nothing but make excuses and lie with no intention on expediting and resolving my issues and concerns. They received proof that the check was cashed and placed into their account, and it is nothing but a Discriminatory Stall tactic to negatively impact my Credit score and manipulate the Credit Reporting Scoring System with the intent to harm XXXX XXXX Americans with no remorse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
R.E.S.P.A. QUALIFIED WRITTEN REQUEST Dear Sir or Madam : Please treat this letter as a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 
Specifically, we are disputing a ) the identity of a true secured lender/creditor, and b ) the existence of debt, and c ) your authority and capacity to collect on behalf of the alleged lender/creditor. Because of extensive criminal activity and fraud in this arena, we require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. Further, we require proof that you are the entity that has been contracted to work on behalf of the alleged lender/creditor. 
Pursuant to " Subtitle E Mortgage Servicing '' of the " DoddFrank '' Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ), please provide all information requested in the attached QWR ( see attached file ). 
Suntrust Response is invalid and false : " The address XXXX XXXX XXXX XXXX XXXX, CA is NOT and it was NEVER the address for " XXXX ''. Invalid Phone Number. '' XXXX is a DEBT COLLECTOR & a SERVICER. XXXX does NOT ORIGINATE LOANS. 
XXXX XXXX XXXX on Behalf of other investors. 

You should be advised that within FIVE ( 5 ) DAYS you must send us a letter stating that you received this letter. After that time you have THIRTY ( 30 ) DAYS to fully respond as per the time frame mandated by Congress, in " Subtitle 'E ' Mortgage Servicing '' of the ''DoddFrank '' Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ). 

Pursuant to 15 U.S.C. 1641 ( f ) : Please provide the name, address and telephone number of the owner ( s ) of the mortgage and the master servicer of the mortgage. 
You should be advised that Violations of this Section provide for statutory damages of up to {$4000.00} and reasonable legal fees. The amendments also clearly provide that the new notice rules are enforceable by private right of action. 15 USC 1641

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 2020-01-17
Company: Essential Retrieval Group
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
on XX/XX/XXXX at XXXX XXXX I received a call from XXXX stating he was going to serve a warrant and wanted to set up a time when I was home so he wouldn't have to serve me at work. He gave me a case number ( XXXX ) and a phone number to call for more information. I called a company called ERG at XXXX, the gentleman had me verify my last four of my ssn and proceeded to tell me I was going to be served papers on an outstanding XXXX XXXX XXXX for {$4000.00} and some dollars, but I could clear the matter up so I wouldn't have to go to court. XXXX XXXX loan would accept {$1000.00} something. I told him I filed for debt consolidation and I hadn't thought about the debt ( but I thought the original amount was {$500.00} ). I told him I couldn't remember the name of my debt consolidation company but would call him back. I looked at my credit report and XXXX XXXX XXXX sold my debt in XX/XX/XXXX. So I don't know if this is really XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-25
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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