BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-03
Company: WELLS FARGO & COMPANY
State: NE
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:
Since XX/XX/XXXX had a Credit Card with Wells Fargo. I had some financial Hardship situations happen to where I couldn't make the payments for awhile until I was able to get back on my feet. Any time before the hardship happened, all my payments were on time and no problem at all. The card went into Wells Fargo Collections XX/XX/XXXX - XX/XX/XXXX I was in good standing status with this card. The following four months I  was late on my payments, so then Wells Fargo closed the card and the account. I then continued to receive calls from the Wells Fargo collections department all hours of the day. When I was able to finally put some money towards this card, I called them so that we can make payment arrangements. From XX/XX/XXXX - XX/XX/XXXX I made payments. XX/XX/XXXX I called the collection dept. and made a full payment. They told me that they would send me a paid in full letter, which they did. As well as correct the status of this account with the major credit bureaus right away. According to my most recent credit reports, the status of this account has not been updated. This has stopped me from increasing my spending power with other Credit cards because this has not been corrected.

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} XXXX   XXXX {$670.00} XXXX XXXX {$600.00} XXXX XXXX {$660.00}

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 2023-09-11
Company: EQUIFAX, INC.
State: OR
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:
On XX/XX/XXXX I submitted an FTC Report for Fraudulent activity on my credit reports to IdentityTheft.gov. I noticed there were hard inquiries that weren't from me. All 3 Credit Bureaus received this report. I received this message back from my reporting to the FTC. 

XXXX Mon, XX/XX/XXXX, XXXX to me Thank you for reporting identity theft to the FTC. 

Your reference number is : XXXX Keep this for your records. 

After submitting the FTC report, to all 3 credit bureaus I submitted a dispute letter, my Drivers License, and SS Card, via certified mail via USPS on XX/XX/XXXX. After receiving the materials, XXXX and XXXX both removed the hard inquiries that I reported as fraudulent, but Equifax did nothing! My dispute is with Equifax specifically, please note this on my file. I then called Equifax on XX/XX/2023, and asked them to remove the hard inquiries from my dispute letter. An Equifax representative gave me a confirmation # XXXX saying that the hard inquiries were removed. On XX/XX/XXXX I received an updated report in the mail, and it actually showed the inquiries were deleted and removed. On XX/XX/2023 I called Equifax again, because nothing was removed on the Equifax website again. On the phone call this equifax representative gave me confirmation # XXXX, and assured me again that all the inquiries were removed. I waited 2 weeks, checked the equifax website, and noticed nothing was removed once again. I knew I was being lied to after the 2nd representative told me that they removed the inquiries. On XX/XX/2023 I called back again to complain, and the representative told me she will remove all the inquiries again. She gave me confirmation # XXXX, and said she removed all of them. On XXXX I checked my Equifax report and noticed that only one hard inquiry was remaining, so 2 of them actually got deleted. Only one hard inquiry named XXXX was remaining. I called back a 4th time to complain to Equifax on XX/XX/2023, and asked for the rep to please remove XXXX hard inquiry. She went to talk with a supervisor, and came back on the line to tell me that the other 3 Equifax employees put in an incorrect code, so that was the reason that it was still showing up on the Equifax website. This obviously is a blatant lie from this last representative, because 2 of the 3 hard inquiries were removed successfully. The last rep gave me a confirmation # of XXXX, and told me that I would have to wait an entire month before I would get the hard inquiry removed. This is another bold face lie, because all the other 3 Equifax representatives told me that within 72 hours I could check the website for evidence of removal. Can this be turned into a lawsuit, because of the blatant lying taking place? This morning on XX/XX/XXXX, the XXXX hard inquiry still hasn't been removed on the Equifax website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: WELLS FARGO & COMPANY
State: NV
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The HAMP Loan Modification I applied for in XX/XX/XXXXis yet to be resolved by Nationstar Mortgage before they changed their name to Mr. Cooper. I disputed their claims the last time they tried to foreclose on my house. My dispute then was that Nationstar Mortgage can not stop my HAMP Loan Modification I applied for in XX/XX/XXXX just because according to them the HAMP Modification Program expired in XX/XX/XXXX. If those who applied for the program before XX/XX/XXXX and in XX/XX/XXXX before the program expired in XX/XX/XXXX are still in the program, I am still in the program as well since I applied for the HAMP Loan Modification in XX/XX/XXXX, which is yet to be resolved. Nationstar Mortgage can not unilaterally resolve my HAMP Loan Modification which I applied for in XX/XX/XXXX ; it has to be resolved bilaterally.
I was surprised today,XX/XX/XXXX when I received a sale notice from the XXXX XXXX XXXX that my house will be sold at public auction at the entrance of the XXXX County Circuit Court on XX/XX/XXXX. The letter said and I quote Enclosed please find a copy of advertisement of sale as published in XXXX XXXX XXXX -- --. But I could not find a copy of the advertisement for the sale of my house in the letter as claimed by the XXXX XXXX XXXX. Also, I have checked XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXXand I could not find any advertisement of the sale to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have had no communication or knowledge or documents regarding this Caine and Weiner collection {$38000.00} debt from XXXX XXXX XXXX owner of Apartments name is XXXX XXXX. 
No judgment for his so called " EVICTION AFTERMATH AND MAYHEM '' please see attached re. my ignored attempts to obtain the 38 or more " supporting documents '' sent or faxed in by the LANDLORD who is a vicious, frivilous, vexatious, and letigeous! I am legally entitled to know why he conjured up this rediculous bill amount falsly conjured up not only towards me but 5 other people ( family ) and su ent on to Caine and Weinert collection agency. I have been intentionally maliciously harassed for 2 years from this apartment owner! My lawyer was not able to get compliance from agency and i was not either from anyone! SOMEONE please subpoena them from Creditor and Agency. see attached. thank you so very much for being fast and efficient towards my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-09-07
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Netspend is holding my refund after I had access to some part of the money an they closed 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 2017-11-14
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with XXXX XXXX for a loan modification. On Friday XX/XX/XXXX, they advised the all documents were received and the foreclosure sale date was on hold. Today, i received a call from Mr. Cooper to advise that I have a foreclosure sale date scheduled for tomorrow XX/XX/XXXX and they are requesting the exact information that was sent in XX/XX/XXXX and that was confirmed received by them. XXXX with Mr. Cooper,  was able to confirm that she has in fact received the documents. She advised that she was going to have the file escalated to let them know they have received the documents and request that the sale date be postponed, but there was no guarantee that the sale date would be stopped. At this point, i just need your assistance as i do not want to lose my home. I am elderly have no where else to go. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-30
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-28
Company: NEW YORK COMMUNITY BANCORP INC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My husband and I completed a loss mitigation request with Flagstar Bank on XX/XX/XXXX, and we were approved for a deferral, which was our preference due to our issue being temporary and our not wanting any mitigation to negatively affect our credit. On XX/XX/XXXX, my husband and I signed and uploaded the USDA Pandemic Mortgage Recovery Advance agreement to the Flagstar Bank website, as directed. On XX/XX/XXXX, I received verbal confirmation from a Flagstar Bank loss mitigation representative that the document was received and no further action was necessary. We planned to make our first required monthly payment, per the agreement, on XX/XX/XXXX. However, on XX/XX/XXXX, we received a letter from Flagstar Bank stating our loss mitigation file had been closed because Flagstar Bank " did not receive the fully executed modification documents and/or the monthly payment ( s ) '' necessary to complete the modification. After over a month of time-wasting, frustrating, unproductive communication with the Flagstar Bank Loss Mitigation Department , someone finally corrected the error, marked our loss mitigation status complete, and updated all account information to appear current. Since then, our payments have been on time and paid in full. Unfortunately, our credit reports still indicate we missed payments in XXXX, XXXX, and XX/XX/XXXX, which is not accurate and not in accordance with our signed agreement with Flagstar Bank. We are contacting CFPB for assistance in resolving this final issue, as Flagstar Bank has proved to be poorly managed and lacking appropriate oversight or accountability for their actions which are harmful to consumers, and I do not trust them to resolve this matter in a timely manner.

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 2023-01-06
Company: EQUIFAX, INC.
State: TX
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'm in the process of buying a house the lender keeps pulling my credit with my brother and sons information on it. When I call the bureaus, all 3 major ones to get the issue resolved I get a confirmation number and a reassurance that the issue will be resolved. That was a year ago and the issues still stands. Which is causing me to be homeless and holding up the closing date for my newly built home. I'm so frustrated cause they keep telling me it takes up to 30 days to correct. I don't have that time anymore and it's not my fault it wasn't done correctly a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: CA
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 sent a out a second letter with proof if identity as well on XX/XX/XXXX to all the credit reporting agencies. However the credit reporting agencies said they completed the investigation and everything was 100 % accurate. XXXX XXXX and Experian has Failed to do a proper investigation and respond back to me. This is not making any sense and is also frustrating when these corporations are for XXXX reporting inaccurate information and for XXXX not removing the information when i ask them to. 

According to the law 15 U.S. Code subsection 1681a Definitions ; rules of construction.

( e ) 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 others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. It's well past 30 days. 

I would like to know who did they talk to. 

How did they complete this investigation.

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 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2023-01-06
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
CHRYSLER CAPITAL sold my information To XXXX XXXX XXXX and both are reporting on my credit as reopened and damaging my credit scores. This loan was opened back in 2015 and its been 7 years both should be deleted from all 3 bureaus. I have sent certified letters to all 3 bureaus to solve this problem and nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I got several overdraft fees after being charged several payments despite the fact I had signed up for denying payments if my bank account would reach below XXXX. 
On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2023-10-05
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:
UNAUTHORIZED HARD INQUIRIES I DID NOT MAKE + XXXX XXXX XXXX Inquiry : XX/XX/2023 + Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/2023 + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023

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 2017-11-14
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage switched to nationstar last XX/XX/XXXX from XXXX and now is Mr Cooper. They have my ledger incorrect. I have money missing, and theyre not post my mortgage payments as paid. Ive been trying to close on a refinance for months, as the my new bank is waiting for Mr Cooper to get my payment history corrected. Ive spoke to numerous people without  getting anywhere. Ive escalated it to a Manager, whom seemed to not care. He gave me his callback number, I called four times and left a message without a callback. My ledger is still not correct, and I have absolutely NO idea where they have been putting the money Ive paid them monthly. 

I have copies of personal items, I will share at a later date

Company response to consumer: Closed with explanation