BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXXXXXX XXXX. Balance : {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Today, XX/XX/XXXX, I was on the XXXX website and it said I had a " hard pull '' on my credit which " suggests identity fraud ''. Then it said it wanted to get information from TransUnion but couldn't. I went over to the transunion.com site where it seemed to indicate that I already had an account for my email address, perhaps from a previous incident in which I was provided credit protection services. I tried to reset my password and it didn't give any feedback as to whether I did indeed have an account or not. Then it asked for more information as it appeared to be asking me to update my current information. The site never asked me if I wanted to buy anything. The terms and conditions were inaccessible. After providing the information to log in, the account page said that it had charged me {$24.00} for reports covering 3 credit agencies even though the website only showed one and appeared to ask me to purchase more services to access the other two. I never agreed to have my credit card charged. I was simply trying to get into what seemed to be my pre-existing account to see what they offered, to see what they would charge for their offer and make a decision based on that. Instead, they went ahead and charged me for services - services that they didn't actually render. Again, the transunion.com site never presented me with a description of their services nor did it ask me if I wanted to purchase their services. But I ended it up with a charge against my credit card regardless.

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 2022-11-08
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My initial loan was secured through XXXX. On XX/XX/XXXX I received a notice of servicing transfer to Mr. Cooper indicating that any payments after XX/XX/XXXX, should be paid to Mr. Cooper. On XX/XX/XXXX, I submitted payment in the full amount to Mr. Cooper. On XX/XX/XXXX, I received a notice of escrow shortage indicating that my payment would increase starting XX/XX/XXXX. My mortgage is paid directly by ETF from my primary checking account. I changed the amount to the new amount shown in the escrow shortage notice. For reasons unknown, the amount paid for my XX/XX/XXXX payment did not include the {$190.00} increase for the adjusted escrow. However, since XX/XX/XXXX, every single payment made has been the full amount of our mortgage. However, Mr. Cooper failed to post these payment and instead instituted a partial payment suspense account with no notice whatsoever other than the subsequent invoice. Mr. Cooper has failed to provide any notice of any shortfall, delinquency or default and instead has simply sat idlily by charging late fees and damaging our credit. We have never received an email, letter, text or phone call that Mr. Cooper believed our account was short or left unpaid. Only until notice from the Credit Reporting Bureaus did we realize what had happened. In researching this, it is cleat the Mr. Cooper is a company that preys on its customers as opposed to providing any kind of " service ''. I have never missed a mortgage payment in 25 years and now due to a mix-up on an escrow shortage this company has purposefully and deceitfully used an {$190.00} escrow shortfall ( which quite clearly has been paid every month after XX/XX/XXXX showing a clear misunderstanding ) to not only damage our credit but generate {$990.00} is undisclosed, undocumented " late fees '' while showing that our mortgage in not in default. As stated, I never received any notice whatsoever of the escrow gap that quite clearly was an honest mistake. This company is no stranger to the CFPB and has been paying fines quite literally every year in the past decade for similar behavior not to mention a handful of civil class action settlements. I'm curoius how much is enough for the regulators to allow before they actually regulate Mr. Cooper out of existence. Clearly fines and class action settlements have not changed their ways and it is incomprehensible that after the Great Recession in XXXX and thereafter ( when this agency was created ) I am left with having to file a civil lawsuit against a company that so clearly is deceiving its " customers '' purposefully to reap improper " profits ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSWORLD SYSTEMS INC
State: MO
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Thaxton Investment Corporation
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2023 my daughter texted me that I had civil court and the case # was XXXX ; the number the call came from was XXXX and to call XXXX On XX/XX/2023 a voice mail was left on my phone from ( XXXX? ) from Location Services that clearly stated " you have several civil claims or formal complaints filed against you in XXXX XXXX ( mispronounced ) that they will be contacting my place of employment and that once discharged from their office all of my legal rights would be forfeited. 

On XX/XX/2023 I called because I knew I hadn't been served after calling XXXX ; it was then that I was transferred to a female who then was fishing for information, did not cite the mini Miranda, I had not been served, I had not been contacted, I was given one of three options, dispute, financial hardship or cease and desist. I said financial knowing that a lawsuit couldn't be filed ( i am on state XXXX low income ) I called because I hadn't been served but disclosing this information in a text to a third party caused XXXX and violated my rights ; I have the text message and the voice mail and XXXX  the company only to find all of the complaints against this company to the XXXX  began recently and all of the complaints share the same story ; Regardless of the debt itself ; this intimidation is a separate issue and the original creditor or the company that uses Location Services should be liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I requested the 180 forbearance on my mortage as granted to me by the federal cares act. I was contacted by a XXXX XXXX XXXX, on XX/XX/XXXX and was told I was granted the forbearance, and he requested that I send an email to the company attesting to my financial hardship from covid ( which is not allowed by the cares act ) but I sent the email anyways. Then a month later I find out, I was never granted the forbearance and was not given a reason as to why my federally granted rights were being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: MARINER FINANCE, LLC
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: Personal information incorrect

Complaint:
I have personal information that is apart of identity theft on my credit report. I also have accounts that are not mine due to identity theft. 
Several disputes and attempts have been made to get wrongfully information removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Atlanticus Services Corporation
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received an email stating a fortiva card had been activated. Since I had not recieved or activated a card I was skeptical. I checked my account and no pending purchases or other information was present. When charges appeared I froze the card, contacted fortiva and the police. I filed a police report and began the horrible experience with the fortiva fraud department. My claim was denied and they started they had sent notifications of spending which they did not. I sent the claims to escalation and they denied it a second time stating the card had been used in a simular fashion to past spending. I tried and tried to speak with a manager and was refused on many occasions. When I spoke of filing a complaint a manager finally spoke to me after what must have been atleast 10 calls to fortiva fraud department and numerous hours spent on hold over weeks. I was asked to then provide fortiva with the police report. I live in XXXX and the theft occurred in Louisiana. An arrest has been made and fortivas fraud department still won't honor the claim holding me responsible for XXXX dollars in charges. Apparently fortiva sent a new card in the mail without any notification prior and it was stolen from the mail. I never received the card. I am across the country from where the crime took place and fortiva now wants me to go to Louisiana to get the police report and refuses to let me speak to a manager. They lied about sending notifications asking if it was me or not using the card. I know it's a lie because they said I viewed notifications and I never got any to view. They are calling me a liar and holding me responsible when an arrest has been made. They are forcing me to be a mediator between police departments and fraud departments from across the country. They are trying everything they can to get out of honoring my claim and adding insult to injury with their customer service. This is a horrible credit card company. I have 6 other cards and never had a problem with any of them. They refuse to make this right and I've gone above and beyond to help and provide information. This stress is causing me health problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: DISCOVER BANK
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 received a court subpoena for a Discover account on XX/XX/XXXX. 
I had no knowledge of such an account being opened under my name. 
On the same date I checked my credit report and noticed 30 other accounts that were opened fradulently due to Identity theft. 
I submitted a dispute through XXXX for the Discover account as well as the XXXX accounts that were opened. XXXX agreed with the identity theft claim and subsequently removed the accounts from my credit report. However Discover Card rejects the dispute, and states the information was reported correctly. 
I provided a Police report as well prooof of my mailing address which is different from that which was used to open the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2022-11-08
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Complaint Against : Wells Fargo XXXX Wells Fargo Home Mortgage XXXX XXXX, IA XXXX Re : Purported Loan # XXXX Wells  sent the following : As a result of at least one bankruptcy case filing that included the below referenced account, Wells Fargo Home Mortgage is NOT attempting in any way to violate any provision of the United States Bankruptcy Code or to collect a debt ( deficiency or otherwise ) from any customer ( s ) who is impacted by an active bankruptcy case or has received a discharge, where the account was not otherwise reaffirmed or accepted from discharge. THIS IS NOT A BILL OR A REQUEST FOR PAYMENT AS TO THESE CUSTOMERS. However, that is exactly what they are doing. 

My loan was not transferred to Wells Fargo at any time, and therefor, I have no idea why you are even involved with my loan. My Note is not with Wells Fargo. My Note never transferred to Wells Fargo. My Note was not an asset that was included in the purchase / merger between Wachovia and Wells Fargo.My Note is with World Savings Bank and has always been with World Savings Bank. The evidence is that my Note is a non-negotiable note and can never transfer from World Savings to Wachovia XXXX XXXX If there was a transfer of my Note, as a non-negotiable note, a specific indorsement is required and it will not be transferred by possession alone. 

The Party with the perfected lien on the property was then and is now World Savings Bank XXXX. There is no evidence of a transfer of the mortgage ; and no assignments of any kind are recorded. Wachovia " merged '' with the purchase of stock by Wells Fargo XXXX, the connection between Wells and Wachovia is a PURCHASE by Wells holding company 's corporate office with the holding company of Wachovia and was subject to the North Carolina Bulk Sales Act at the time. 

Be aware, this loan was discharged against the borrower in a XXXX  XXXX Bankruptcy. As there are no payments required to be made by the borrower, there can never be a payment default by the borrower ever again. This would be an actionable event by the borrower against Wells that is punishable by up to {$500000.00} in fines and jail time to representatives from Wells Fargo for violating the Bankruptcy Discharge Injunction. 
Wells Fargo is not now, and has never been a secured creditor on this property. 

I am waiting for complete acknowledement of this communication within the 30 day required time frame.During this time, please refrain from any requests for payment or expectation of collection of the collateral that belongs to World Savings Bank

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 2023-05-21
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the 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. 




I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, XXXX and Experian have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.

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: Couch Lambert LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FAILED TO VEFIFY DEBT WHEN REQUESTED In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX, XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 USC 1692g Section 809 If the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I tried to open an acct online and I have to agree to this term ( which I do not agree nor want ) Consumer Report Authorization By choosing " Next, '' you authorize us to obtain consumer reports that we may use when considering your application ( your credit score will not be impacted ). You also authorize us to obtain subsequent consumer reports and any other information about you in connection with 1 ) the administration, review or collection of your account and 2 ) offers of enhanced or additional products and services or for other legitimate purposes associated with your account.

Check this box if your information is correct.

I didn't check the box because I will not like my credit to be pull now or ever unless I am looking for lending products. I called the office in XXXXXXXX XXXX and I was told even if I come to an office, they can't bypass the option. not quite sure why and why is it necessary to just open a checking and savings ( not even debit card since I do not want one either ). I will like someone to look into this and see why is it necessary if i am not getting a lending product and even if I decide on a lending product why would they do subsequence pulls of my credit? 

Please help me figure this out since the employees do not seem to have an answer or way to bypass. 

thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: CO
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:
I recently sent at dispute letter to Equifax on XX/XX/XXXX in regards to a line of credit with a credit union. Upon reviewing my credit report, I realized that Equifax was reporting an incorrect " Last Activity '' date and not reporting a closed date for the account ( although showing that the account was closed ). In actuality, the account was paid off in XX/XX/XXXX. If the account was truly verified, as they've mentioned that they did previously, then an updated date of Last Activity would've been updated to reflect the true last activity date and a closed date. Equifax, instead of completing a requested investigation, only sent out a false dispute result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Flagship credit acceptance car loan financing. I have an incorrect amount in my balance. It exceeds more than the contract agreement amount..The maturity date is XX/XX/2019 which include the extension period of 3 months, originally XX/XX/2019..it charges me XXXX more after my last payment this XXXX. plus {$470.00} for late fees and other charges. Total of {$1500.00}. I am willing to pay the extra charge of {$470.00} but not the XXXX. I have written them a letter many times and the last was XXXX this year I have email them many times and i called them but they can not provide the specific answer to clarfy their computation. 
My total interest after 72 months is {$9800.00} in {$16000.00} principal with 59.26 % interest. 
My APR is 16.5 or XXXX.. it was computed total balance multiply by .1375 monthly. Which cost my APR to XXXX on my 1st yesr, XXXX on my 2nd year and XXXX on my 3rd year. Not XXXX/yearly

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