BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 my sixth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA 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 2022-09-29
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage loan with Wells Fargo which I refinanced to get a lower interest rate in XX/XX/XXXX ; my new lender is XXXX XXXX XXXX, XXXX, XXXX. Settlement date was XX/XX/XXXX ; funds were distributed to satisfy the mortgage loan with Wells Fargo on XX/XX/XXXX. 
Mortgage payments to Wells Fargo were withdrawn automatically from my checking account each month. It was my belief that the automatic payments would cease since the mortgage loan with Wells Fargo was paid in full on XX/XX/XXXX. 
On XX/XX/XXXX, I attempted to use my debit card, and it was declined. When I went to my bank to investigate, I found that the Wells Fargo auto withdrawal had gone through my account on XX/XX/XXXX, which was not expected. At the banks suggestion, I initiated a stop payment for future withdrawals, for which I had to pay a fee of {$34.00}. No further payments have been withdrawn. Due to the unexpected withdrawal on XX/XX/XXXX, I was charged {$210.00} for overdraft and return fees. I asked the bank if they would refund these fees, but they refused. 
I contacted Wells Fargo on XX/XX/XXXX and spoke to staff member, XXXX ; I explained the situation and asked that Wells Fargo return the amount of the auto withdrawal since my mortgage loan had been paid in full on XX/XX/XXXX. She indicated that the amount of {$950.00} was used to cover a balance owed on my homeowners insurance policy. 
I contacted XXXX XXXX, who carried my homeowners insurance policy at that time, to verify the accuracy of the information given to me by Wells Fargo. I was told that Wells Fargo had paid my homeowners policy in full ( amount of {$1800.00} ) on XX/XX/XXXX ( see attached receipt from XXXX XXXX ). Any amount owed to Wells Fargo would have been included on the Settlement Statement dated XX/XX/XXXX ( see attached copy of settlement statement ) and therefore would have been paid as a part of the payoff they received on XX/XX/XXXX. 
I called Wells Fargo approximately a week after my first contact and spoke to staff member XXXX. XXXX again tried to tell me the funds withdrawn from my account had been used to cover a balance owed on my homeowners policy. I told him this information was incorrect. I shared with him what XXXX XXXX had told me. At that point, he filled out a complaint on my behalf. 
Two to three weeks later, a staff member from Wells Fargo called ( I dont recall his name ) to tell me Wells Fargo was investigating my complaint and my request for reimbursement of the automatic withdrawal. He said someone would contact me as soon as the investigation process was complete. It has been over five months, and I have heard nothing further from them.

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 2019-05-28
Company: EQUIFAX, 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:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2015 Balance : {$27000.00}, and XXXX XXXX Date Opened : XX/XX/2015 Balance : {$8100.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called Mr Cooper to request the PMI on my mortgage be removed since I'm 3 years in the payments and well over the XXXX XXXX loan to value on the property. According to Mr Cooper 's website, I'm actually calculated at XXXX XXXX owner of the property. They have the value of the property on their website calculated at {$340000.00} as of XX/XX/XXXX, with an estimated equity position of {$180000.00} and I only owe about {$160000.00} on the mortgage. ( See file attached below from Mr Cooper 's website ) I've been very much aware of the values in the local neighborhoods averaging around $ XXXX {$350000.00} for similar properties. I spoke to a XXXX in customer service and after checking the value on her computer she stated that according to her computer 's diagnostic program, I don't have enough equity so I can either pay {$150.00} for a broker 's opinion on the value or pay {$350.00} for a complete appraisal to be done and either one can take up to XXXX. I stated that even their website has me estimated at {$180000.00} but she stated that it doesn't really matter and the only way I can have the PMI removed is if i do what she suggested so I told her to go ahead and order the {$150.00} broker opinion. This seems to be just another predatory tactic that Mr Cooper uses to take advantage of the hard-working responsible consumers. This company evidently bought my mortgage from XXXX XXXX  about XXXX weeks ago, probably paid a premium for it, and it looks like they're deliberately preying on the account holders to recoup their investment. How can this possibly be legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: RI
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 to the car dealership to get a XXXX XXXX, I specifically told them not to do more than 2 pulls because I didn't want any hard inquires on my credit, however I ended up with more than 16 hard inquiries from XXXX XXXX without my consent. Also there are some credit cards applications that I do not recognize.

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 2022-09-29
Company: Incomm Holdings Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a XXXX gift card from XXXX on XX/XX/XXXX. Shortly after, I attempted to use the card at a seafood market. The transaction was declined, the merchant showed me his computer screen verifying the issuing bank declined transaction, however, a hold for the purchase amount of {$87.00} was placed on the gift card. On XX/XX/XXXX I called XXXX ( number on the back of the card ) and spoke with a representative who assured me that, without fail, the hold would be released on XX/XX/XXXX. Today is XX/XX/XXXX and the hold is still not released. I called customer service again and was advised the hold would not be released until XX/XX/XXXX. 
In addition, I have a {$12.00} balance on the card. I have attempted four separate time, at four separate merchants to use the card ( all amounts less than {$12.00} ). Each time, the card is declined for insufficient funds. Customer service has no explanation as to why these transactions are being declined. 
This company is holding {$87.00} of my money when the merchant has verified numerous times the transaction was declined and settled on their end. The small balance that is available is unusable because all transactions are declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank, First Midwest Bank, was recently acquired by Old National Bank and the transition was finalized on XX/XX/2022, On XX/XX/2022 there were were 3 withdrawals for {$180.00} each from my checking account that I didn't make. I was never notified by Old National that these transactions occurred and they never notified me that my card had been suspended. Apparently after the 3 withdrawals the person who had a duplicate card, I'm assuming an employee of the bank cloned my card, tried to make credit card purchases and they were declined according to the person I spoke with at Old National. I found this out the next day XX/XX/2022 when I tried to use my debit card at my local Jewel and it was declined. The new card has never been out of my possession and I am the only person that knew my newly created PIN. I immediately logged into my account saw the 3 transactions for {$180.00} each all were withdrawals were from a XXXX ATM in XXXX XXXX and I knew I did not make them. I then called the bank and they assured me it would be taken care of. They also said they would send me another ATM card, which never arrived. On XX/XX/XXXX, I received a letter from Old National stating that the transactions were valid and they would not be reimbursing me. They never even called the XXXX XXXX police or the XXXX to pull video recordings of the person that withdrew the money from my account. If I had known they weren't at least going to do what I consider the bare minimum to trying to uncover what happened then I believe they should have to reimburse me for my loses. Below is a screen shot of the 3 transactions I'm contesting. 

XX/XX/2022 ATM XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX IL ATM WITHDRAWAL - {$180.00} {$1400.00} XX/XX/2022 ATM XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX IL ATM WITHDRAWAL - {$180.00} {$1600.00} XX/XX/2022 ATM XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX IL ATM WITHDRAWAL XXXX {$180.00} {$1800.00} Thank you, 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 monetary relief
Consumer complaint received 2021-10-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have weeks ago received a status of loan letter and within it states Acceleration Warning notice of intent to foreclose. There is no account showing this HELOC on my XXXX XXXX credit report SEE ATTACHED showing this so called debt. This is a violation of the Federal Laws of Reporting Debt 15 U.S. Code Section 1681. Chase and or XXXX XXXX or whomever is initiating this illegal acceleration/foreclosure attempt. Please SEE ATTACHED there is no account for this party Chase to foreclose on and also there can be No piggy backing onto the existing illegal attempt to foreclose on the primary so called mortgage loan. These are both illegal attempts to threaten this XXXX yr old, XXXX, indigent person with a limited education into profiteering at my expense which I will not be your victim. 
Please see all attached this is my response to your XX/XX/XXXX letter from Chase Mail Code XXXX P. O. Box XXXX, XXXX OH XXXX. I will not be your victim of senior abuses. There is a new law against this type of crime ; XXXX, President Trump signed into law the Elder Abuse Prevention and Prosecution Act of 2017 ( P.L. 11570 ), identifying the need for data on elder abuse. An elder abuse case has many stages from the incident through investigation ( by adult protective services or law enforcement ), prosecution, and trauma recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: LA
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 my sixth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA 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 2020-04-17
Company: Experian Information Solutions Inc.
State: AZ
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 have several accounts that were absolved by my discharged BK and the credit company has not removed the tradelines even after multiple attempts to dispute them. The discharged rental debt still showed and as a result I have had to pay more in deposits for renting an apartment. 

It has also caused for auto denials stating that they are still able to see debts that should no longer be there. 

Furthermore my student loans were consolidated years ago and those tradelines have not been removed well past the statute date.

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 2022-12-03
Company: EQUIFAX, INC.
State: NV
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 a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XXXX XXXX  Ive already included this in my previous Complaint # & I am including it again.

XXXX XXXX XXXX XXXX XXXX Date filed XX/XX/XXXX Identification number : XXXX XXXX XXXX XXXX .... Balance : {$400.00} ; XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX  XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX  Date of request XX/XX/XXXX ; XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX  Date of request XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX  NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2015 Balance : {$27000.00}, and XXXX XXXX Date Opened : XX/XX/2015 Balance : {$8100.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never received any money nor did business with Portfolio Recovery. Ive constantly been harassed and stalked by this company. Ive reported them several times with the credit bureaus and nothing has been done to stop them. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX Balance : {$9.00}, XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX : ) XXXX Balance : {$160.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-XXXX  ) you are required to remove these items or information not later than XXXX business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.

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