BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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. 

Account name : XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. ( Therefore I would like my privacy to be respected. ) 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. ( At no time at all did I give ANY type of instructions, written or verbal.

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 ) states 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. I went ahead and highlighted the inaccuracies in the attached documents from the three consumer reporting agencies. 
Examples of these inaccuracies are, ( 1 ) In XXXX XXXX XXXX history XXXX XXXX payment history is showing as Unknown, and in Equifax the payment history is showing as 44 potentially negative months. ( 2 ) Equifax is showing XXXX and XX/XX/2023 payments for XXXX XXXX as being on time even though it should have been documented as CO for that period. These are just some inconsistencies, please see the attached documents for a full comparison. 

These inaccuracies are impacting my ability to purchase a house for my family. It's also preventing me from being able to apply for and attain employment in various fields.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am under the impression that once all distributions have been made from an escrow account any overage is to be refunded within 30 days. For years now that has not been the case with the mortgage company I'm associated with. 

After years of this slipping past me I approached the company and was told they took any overage and applied it to whatever, I was given no indication of where any overage went However, after doing so I did receive XXXX overage check from them. 

Loan Care took over my mortgage I believe in XXXX or XXXX, I've been with them ever since. It appears everything started over in XXXX when I streamlined my mortgage. 

All distributions from my escrow were paid out as of XX/XX/XXXX. I've been told they will not issue any overage until XX/XX/XXXX after an escrow analysis has been performed.

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 2023-11-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
At end of loan period Wells Fargo ( WF ) notified customer last payment will be additional interest of {$850.00} plus outstanding balance of XXXX ( Total {$1500.00} ) because payoff was not made in full prior to end date. Note : All payments made on time or early no lateness as agreed.. XXXX ( me ) contacted WF and talked on phone to ( 3 ) different WF Customer Service people about SURPRISE interest. XXXX advised WF this {$850.00} will not be made. Eventually Hi Level Cust Service Mgr agreed loan amount of {$680.00} paid now will satisfy account outstanding balance and close account. This amount had been made previous day XXXX and was agreed as XXXX account balance will be XXXX when payment is received ( mailed previous day ). WF claims payment was received on XXXX  ( processed date I am sure ) and reneges on previous agreement claiming the payment MUST be received the same day offered ( XXXX ). No such fact discussed previous. She lied. Made up condition. Account is paid in full. XXXX XXXX XXXX XXXX'. Asked for confirmation of this or WF can proceed with whatever action. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Outdated information from the month of XXXX in a previous year lingered on my Experian report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive been in communications with Equifax about inaccurate personal information on my credit report. Even after notifying them many times about this error they are reporting this incorrect information on my file. Not only is it unfair, its also illegal. Please find attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH serviced a mortgage for me. 

I sold the home on XX/XX/XXXX. The escrow company, XXXX XXXXXXXX XXXX XXXX sent a wire to PHH on the same day to pay off my mortgage.

PHH returned the wire on XX/XX/XXXX, so XXXX XXXXXXXX XXXX XXXX resent the wire for the payoff. PHH returned the wire again on XX/XX/XXXX. XXXX XXXX XXXX XXXXn ended up sending PHH a check for the payoff on XX/XX/XXXX. XXXX XXXX XXXX XXXX took a loss because of the returned wires of {$430.00} PHH is charging me a late fee since my mortgage was not paid off by XX/XX/XXXX. 

I called PHH and spoke to XXXX. She was unable to answer my questions and there wasn't a supervisor available. 



Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: VA
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediatel

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. it has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items 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 non-monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: CA
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 never applied XXXX XXXX credit card. Someone used my identity to used credit card. 
I made a police report and disputed this matter with Experian, XXXX, XXXX XXXX. 
The Credit Bureaus stated my account was properly investigated but they did not. 
I never lived at XXXX XXXX area, There are address show on my credit report along with inquiries. I am trying to buy a car but this negative impact hurting my financial situation. 
I disputed more than XXXX times but nothing happened. 
Please delete this XXXX 's credit card account.

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 2023-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
( XX/XX/2023 ) No one at company to talk to on weekend Received unapplied for credit card in mail Called and was referred to fraud department and they are closed on weekends

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 2023-10-02
Company: GOLDMAN SACHS BANK USA
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I discovered a fraudulent purchase on my Apple/Goldman Sachs credit card that was made overnight while I was sleeping. I immediately checked my Apple ID and subscriptions to confirm that nothing was charged overnight that should have been charged. After some quick research, I verified that the transaction was fraudulent and I requested an Apple Card/Goldman Sachs customer service representative to help me remove the charge.

Apple Card/Goldman Sachs provides two methods to contact customer service - a phone number, where customers languish on hold for more than XXXX hour, and a chat service through the XXXX service. Customer service representatives can not be contacted through either method, and it is clear that the system is designed to prevent customers from being able to speak with representatives. 

I opened a chat to share XXXX screenshots with customer service to show that the charge on my credit card did not originate from my XXXX account. These XXXX screenshots are attached to this complaint. I sat on the customer support chat for three-plus hours and I received no response from Apple/Goldman Sachs . I also tried to call the phone number for support and have yet to be able to reach anyone. Meanwhile, I will be charged interest for this fraudulent purchase, which is something that I believe Apple Card/Goldman Sachs has done previously because it takes them so long to remove charges from accounts. 

I do want to point out that this is a frequent pattern for Apple/Goldman Sachs . My card information has been stolen several times, despite the numbers allegedly changing every XXXX  days, and every time I have to report fraud, it is a taxing and exhausting experience. It should not be this difficult to remove a fraudulent purchase from a credit card account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been receiving a collections letter for a credit card that was opened under my name in XXXX. It was used to make several purchases such as XXXX 's, XX/XX/XXXX and to purchase coins. I never opened this account and have never been associated with the address of XXXX XXXX XXXX, XXXX, XXXX  XXXX. I would like to report this as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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 submitting this Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXXXXXX 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 XXXXXX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of the Credit Bureausr investigation. I also request that the Credit Bureaus send me an updated copy of my credit report once the fraudulent items have been 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 2023-11-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 these accounts below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-01-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-02-15
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX a federally protected consumer, and Iam making this complaint against ( Enhanced Recovery CO L. ) for committing identity theft. I have never given ( Enhanced Recovery CO L. ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a Cease and Desist of all illegal, any communication and collection activity, of this and any alleged debts until ( Enhanced Recovey CO L. ) can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them, if this documentary evidence Can not be produced and ( Enhanced Recovery CO L. ) continues its collection efforts. I will file for litigation for actual damages caused and ( Enhanced Recovery CO L. ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt and response are both requested and required. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
account # XXXX US Bank They closed my account but i never received the money what i have on my account

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 2023-01-10
Company: Experian Information Solutions Inc.
State: IN
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 XXXX XXXX XXXX, Account number XXXX. XXXX XXXX XXXX Account numbers, XXXX. XXXX XXXX XXXX Account number, XXXX. XXXX XXXX XXXX XXXX Account Number, XXXX, has violated my rights. 
15 U.S.C 1681 Section 602A. States i have the right to privacy.

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

15 U.S.C 1681 c ( a ) ( 5 ) Section states No consumer reporting agency may make any consumer report containing any of the following items of info, Any other adverse item of info, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any info 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 2023-01-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I purchased a home ( XXXX XXXX XXXX, XXXX, NY XXXX ) in all cash purchase that closed on XXXX XX/XX/2022. Subsequently we have sought to obtain financing on the property but this has been complicated due to the failure of the sellers ' mortgage servicer ( Chase Bank ) to file a satisfaction of mortgage with the city. Efforts to contact the lienholder XXXX XXXX XXXX, successor to XXXX XXXX Bank ) and Chase have been unsuccessful. Chase will not discuss the matter with me because we are not the persons named on the mortgage note, which is in the name of the sellers of our property. We have copies of the cheque issued to Chase as part of the closing from our title company and other documentation but it is seemingly impossible to get this XXXX lifted from our property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Back on XX/XX/2022, I sent a 2nd letter to Experian Credit Bureau to remove my old addresses from my Experian Credit Report. My old address still appears on my report. USPS tracking number XXXX. Experian stated they properly investigated my dispute, but how is that possible when all this old address still appears on my credit report. This is grounds for removal, they also violated my rights under 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/23 XXXX : I received a text message that my phone number has been used as the primary number for a Capitol One account. 

I logged into my XXXX account and noticed that a credit inquiry was processed from Capitol One on XX/XX/23 for a new credit card ( I did not apply for this card. 

Called Capitol Ones fraud department. The fraud department told me that my social security number and name matched the application, however the birthday did not. And because my birthday did not match the one used on the application, it was not fraud. The further told me that they have had a number of instances where multiple people have the same social security number, and that this is possible.

Company response to consumer: Closed with non-monetary relief