BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: 21ST MORTGAGE CORP.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I started to get behind in my mortgage starting in XXXX due a significant reduction in income. 21st mortgage company. I applied for mortgage help in XXXX but the organization I applied with has been taking their time processing and approving my application. I noticed my mortgage company by phone and email several times and they are aware of the situation. They told me someone from the organization contacted them in XXXX but has heard nothing since. I talked to my financial advisor on XX/XX/2022, they constantly switch financial advisors for your loan. Ive had 3 since I purchased my house. And they dont communicate when they switch. I spoke to my financial advisor and let him know what was going on and that I would my best to send payments as much as possible to get caught up. I do have a mobile and the mortgage is {$630.00} a month and Im behind {$2500.00}. He said that was ok and to keep him updated on my mortgage help application. Today, I get a phone from another person in the mortgage company basically demanding {$2500.00}, which I dont have, or she would be referring my account to their legal department, didnt offer any other ways of help or solutions, asked why we got behind, I told her it was due a significant reduction in income, asked how much my significant others paycheck were every week, I told her, has the nerve to say oh thats still enough, you should be paying. Didnt care about my other bills or anything I had to pay for. Mortgage takes priority she was extremely rude and not understanding or considerate of my circumstances. Ive done everything I can to get help and she expects to send money I dont have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry on my report is not from me I am not sure what this is, but I do not have any open accounts with this company XXXX ( Bank ) I would like for this company to prove that this is my account or inquiry because I do not have knowledge of this company.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX ACCOUNT # XXXX DOFD : XX/XX/XXXX IS THE SAME AS MY LAST PAYMENT DATE CLOSED : XX/XX/XXXX DATE CHARGED OFF XX/XX/XXXX DATE SOLD XX/XX/XXXX DATE OF MY LAST PAYMENT XX/XX/XXXX When an account is sold and paid in full the ACCOUNT STATUS should be reporting CLOSED or SOLD OR PAID IN FULL and not be reporting CHARGE OFF or DEROGATORY because the status of the account has been sold and the charge off remove because you can't write a charge off for an account you sold and got paid for that will be stealing from the IRS. 
you can not have both an account status and a payment status being reported as charged off IF YOU DON'T OWN THE ACCOUNT you can't charge off the status of an account BUT you can charge off the payment status but not the account status. 

If the account is sold or paid the status of the account is now sold or paid not charged off or DEROGATORY the account was never late to be reporting derogatory XXXX is not reporting the date close which must be reported or trade line deleted for inaccurate reporting a sold charge off that was never closed and for credit reporting you must be closed before the account can report charge off you can't charge off then closed the account when you are reporting on credit reports read the law suite it states when you must close and charge off PROOF OF DATE OF FIRST DELINQUENCY XX/XX/XXXX IS IN THE BILLING STATEMENT ENCLOSED WHEN I MADE MY LAST PAYMENT AND GAVE UP THE CAR BECAUSE OF A DEATH IN THE FAMILY I TOLD THEM TAKE THE CAR IM PAYING NO MORE CANT AFFORD IT SO EXPLAIN AND PROOF THAT MY DOFD IS 2 MONTHS AFTER MY LAST PAYMENT AND A MONTH AFTER THEY REPO THE CAR I WANT PROOF OF THE DOFD XXXX XXXX XXXX SAYS my DOFD is AFTER THEY AUCTION THE CAR ON XX/XX/XXXX how is that

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 2023-10-08
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX account opened XX/XX/2019 balance of {$1000.00} Account was opened fraudulently without my consent and or knowledge

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 2023-04-28
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was bought by common wealth financial services and was paid last year to the collection company and it was removed from my credit. 6 months later it appears on my credit with a different collection agency but same debt that was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Checking account with this bank under a promotional offer under which I would receive a {$300.00} signup bonus as long as I completed the following requirements : 1 ) Make 10 debit card transactions within 90 days of opening acct.

2 ) Enroll in eStatements.

3 ) Open a new Savings acct. 

I met all of the above requirements and I was supposed to receive the {$300.00} signup bonus within 120 days. I never received the {$300.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24
Company: Caliber Home Loans, Inc.
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have made several payments that instead of going to principal, have been applied to future mortgage payments. I am currently paid off until XX/XX/XXXX. I called on XX/XX/XXXX to fix this issue, and I called again on XX/XX/XXXX, and I called again on XX/XX/XXXX. I would like this money to be applied to my principal. 
Currently, I am being charged interest on money that Caliber Home Loans has, but refused to credit to my principal balance. 
According to my bank account, I should owe {$1100.00}, but current balance is {$2600.00}. Caliber Home Loans acknowledges this error, but hasn't done anything to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My student loan account had a 60 day forbearance applied twice in an effort to postpone any full payments while my income driven application was processed. I called on XX/XX/XXXX to confirm forbearance and I also cancelled direct deposit to ensure full payment was not deducted. On XX/XX/XXXX ACH debits for {$310.00} and {$480.00} were authorized to my checking account. I called on XX/XX/XXXX and the rep I spoke with said that fedloanservicing could not issue a refund until the payments post on their system and assured me to call back tomorrow ( XXXX ) and the payments would be refunded. I called today XXXX around XXXX and spoke to XXXX XXXX XXXX who transferred me to XXXX XXXX who said she was transferring me to a manager but disconnected the call. I called again XXXX around XXXX and spoke to XXXX XXXX who transferred me to a manager XXXX XXXX. XXXX confirmed that though I called on XX/XX/XXXX, my forbearance wasnt processed until XXXX and my direct deposit wasnt processed until XXXX. She said the refund request will take 60-90 days instead of the 48-72 hours quoted by the initial rep. She also said no overdraft fees or NSF fees that the bank imposes would be refunded to my account. Most egregiously, XXXX said that there was no further dispute resolution process or no other person/department I could speak with to expedite this refund request. I did request the address to FedLoanServicing Legal department, for which she gave me the corporate address, FedLoanServicing XXXX. XXXX XXXX XXXX, PA XXXX XXXX. These two payments / ACH debits have wreaked havoc on my checking account. I followed the proper steps to not only halt any full payments ( for which I did not have the funds to pay ) but also cancel the direct debit payments outright, just in case there were any issues. How then, is it reasonable or legal for a student loan Servicer to neglect processing payment/loan changes and the financial fees/burden be imposed on the borrower? This is plain negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/XXXX, I submitted a dispute for a chapter XXXX bankruptcy case # XXXX that is listed only on my Experian credit report. On XX/XX/XXXX, Experian replied to the dispute and advised that they received correspondence from XXXX, which is their vendor they use to verify bankruptcies, that it was certified as accurate. I was then advised that I would need to contact them to complete a method of verification in order to see how they were able to verify it. 
On XX/XX/XXXX, I contacted XXXX for a method of verification, and on XX/XX/XXXX, I received a letter of resolution that states since they were unable to verify the accuracy of the bankruptcy # XXXX, it was removed from my credit report. 

When I received this letter, I immediately uploaded the evidence that the bankruptcy was removed to their website experian.com/upload. I was then advised that I needed to open another dispute with Experian which I did. I have submitted numerous disputes, but the most recent was done on XX/XX/XXXX and on XX/XX/XXXX Experian replied AGAIN and states that the bankruptcy was certified as accurate by XXXX. 

I contacted XXXX again on XX/XX/XXXX and they advised that there is no bankruptcy showing on any of my credit reports, and they do not understand why Experian is saying this. They advised they would open a manual dispute again, but I advised this is not solving the problem and I would file a complaint. 

Experian uses XXXX to verify bankruptcies that they add to your credit report, but would not honor the supporting evidence from the same company to have this bankruptcy removed. It is not fair that I have to suffer through this when I have done everything I can as a consumer. I have no other choice but to submit a complaint as there should be better communication between the two entities. 

This complaint is being submitted because when I call both companies, they both tell me to call the other party when it is their job to get this information removed immediately. I am filing this complaint in lieu of seeking legal representation. I want to get this matter resolved immediately, as this issue is having an enormous impact to my credit report. I have proved all of the necessary documents asked of me from Experian, yet they are choosing not to do the rightful thing, and that is to remove this negative item. 
Attached you will find a copy of the resolution letter from XXXX dated XX/XX/XXXX that confirms they removed the bankruptcy, but Experian is refusing to remove it.

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my credit report that do not belong to me.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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

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 2023-04-04
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: Account information incorrect

Complaint:
Someone got credit cards in my name since 2013

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 2021-06-21
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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I had registered a complaint with Wells Fargo before ( XXXX ) regarding a closed credit card. In that case, I didnt receive information because Wells Fargo could not updated my contact details. At the closure of this case, Wells Fargo has stated they had updated my contact information to my current XXXX address and XXXX phone number. I have only an international number and no US cell phone number. 

Saturday ( XXXX ) I tried to make an internal bank transfer from my account to a friends Wells Fargo account. The internal bank transfer is known as XXXX. I did this using Wells Fargos mobile app in a logged in environment. The payment was blocked and the mobile app prompted me to call customer support to identify myself. 

I called the number and through Wells Fargos IVR, I provided my card number and gave my last 4 digits of my social security number. Once I was verified, I spoke with a representative that said I needed to receive an SMS for their internal 2-factor verification process in order to send my money to another Wells Fargo account. 

I told them I havent received an SMS and it was because they had a U.S. phone number registered on my account. Ultimately they failed to update my contact information from the previous CFPB case and have sent the code to a random number that was not me. I escalated and the next individual also said they they would not be able to help me move my money without a verification. I asked him to escalate it again but he told me to call back in 2 hours. I told him I would contact CFPB instead and I gave him the email address and he verified that it was the same email address on file. 

So through this process I was verified 4 times using 3 different sources ( email on file, card number and name on card & last 4 digital of SSN ). However, they said that I was not verified, but still discussed account details on my account. They allow refused to allow me to conduct an internal bank transfer with my money.

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 2021-06-20
Company: Experian Information Solutions Inc.
State: TX
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:
hello this is the second attempt trying to correct erroneous and inaccurate information in my credit report I have been disputing for more than 8 months the errors in my credit report and experian has never responded to my disputes the first attempt through this portal It was XX/XX/2021 and they responded that they needed to verify my identity by asking for documents, which I sent them via certified mail everything they asked for and if I responded to the first complaint and even so they did not respond to me, here I leave them all the evidence and what they asked me and what I sent them by certified mail all the documents were received on XX/XX/2021 my full legal name is still wrong, previous address that I never lived there are still on my credit report and, inaccurate negative account so you did not respond you are in violation of the FCRA federal law requires you to respond within 30 days of you receipt of my letter and has now been over that period since you receipt of my letter so you failed to comply with federal regulations by credit reporting agencies are in serious violation of FCRA so you must remove the negative listing disputed

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 2021-06-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello CFPB, Paypal permanently limited my account for no specific reason. They also held my money in my Paypal Account email address XXXX and Its been 180 days. My funds are still on hold and every time XXXX email or call them I get no solution at all for this problem. Would really appreciate your help. Thank you so much. 

Best Regrads, XXXX XXXX Paypal Account XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
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: Was not notified of investigation status or results

Complaint:
THis is XXXX XXXX SSN # XXXX. I have been sending you dispute letters but it seems that I am not being taken seriously. i sent you the letter clearly stating the inaccurate information but you dont seem to be doing anything! these errors shouhld have been here in the first place but even after asking you to investigate it, youre ignore them. I am going to take legal action if you continue with your negligence.

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 2023-10-07
Company: EQUIFAX, INC.
State: FL
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.

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: Resurgent Capital Services L.P.
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:
The account is showing on all my reports as a balance of XXXX. The account was paid and settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
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've been a victim of identity theft and am requesting to have this item removed from my credit report. it does not belong to me.

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