BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I wish to be included in the Wells Fargo settlement created as a result of the CFPB complaint. I had a Wells Fargo mortgage and was repeatedly denied a modification. 

Due to a financial hardship I requested a mortgage modification. I was denied the modification based on my mortgage type " not being able to be modified ''. I was then invited to reapply a number of times for a modification that could not be done, according to Wells Fargo. Each time the modification was denied for the same reason. 

I have since learned from a legal consultation that the mortgage could be modified, but was denied based on an arbitrary and not financially-based decision. 

Had I known that the mortgage could not be modified I would have taken other actions to avoid foreclosure and an adverse credit rating. 

My property went into foreclosure and was sold in 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 2021-03-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX : I was provided with a refinance Loan Estimate after I applied to refinance my mortgage through my existing/ current mortgage company, PHH .

I agreed with the refinance estimate which provided the amount of {$120.00} from the borrower to close. 

I also had to pay for my own appraisal. 

My rep advised there would be no more out of pocket expenses. 

Total loan amount : XXXX, rate 3.125, P and I payment {$2400.00}, Impounds $ 928 monthly AFTER repeated attempt to obtain closing dates I received an outrageous estimate. 

XX/XX/XXXX : Loan Estimate Info Total Loan amount : XXXX, rate 3.125, P and I {$2400.00}, Impounds $ 943 monthly {$71000.00} from borrower to close. 

I was subsequently advised they were not approving my loan because : 1. I have unacceptable collateral. 
REPLY : I have a well maintained home with a minimum XXXX value attempting to refinance a XXXX mortgage. 
2. We do not grant credit in the conditions you have requested. 
REPLY : I was happy with the original conditions. I NEVER requested to change them. 
3. Unable to verify assets. 
REPLY : I provided any and all requests for bank information. A rep advised he was unable to verify he was unable to verify the XXXX needed for closing. I never agreed to pay XXXX to close. 

UPDATE : I have not received any responses after multiple emails with my concerns. After reading information on your site I see this may have been illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Phoenix Financial Services LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
so i filed a identity theft report with the ftc and i printed the documents and sent the to this company and its been over 2 weeks. i told them it wasnt mine and even included in the letter that someone was in jail for stealing my identity and even the persons full name and jail they are currently in. i dont know what else to do because the police in the case called me and told me what happened and told me the lady had charges in my name as well and i should look at my credit report because she had credit cards with my name. please help me with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: MS
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 received copies of my credit report in XXXX of XXXX. I noticed that information was being reported inaccurately. I disputed the information with ALL THREE credit bureaus to which I received either a stall letter or no response at all. I sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. I have not received an update regarding my disputes, nor have I received an investigation letter. I only received stall letters. I provided a copy of my lease agreement and my driver 's license to prove my identity in my initial letter. The bureaus are inaccurately reporting late payments on my credit report for the creditor XXXX. 

XXXX is reporting 5-30 day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can a person be 30 days late 5 months consecutively? XXXX is also reporting 2-60 day late payments for XX/XX/XXXX and XX/XX/XXXX. Again, how can a person be 60 days late 2 months consecutively? XXXX then reported a 60 day late payment for XX/XX/XXXX with XX/XX/XXXX being reported as on time. How can a person be 60 days late when they were just on time for the previous month? This is a FCRA Violation. 

Experian is reporting XXXX day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They reported XXXX day late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can a person be 30 days late for 6 months consecutively? How can you report 1-60 day late payment for XX/XX/XXXX and then start with a 30-day late payment for XX/XX/XXXX? How can a person be 60 days late for 2 months consecutively? Experian then reported a 60 day late payment for XX/XX/XXXX with XX/XX/XXXX being reported as on time. How can a person be 60 days late when they were just on time for the previous month? This is a FCRA Violation. 

XXXX is reporting on time payment history from XX/XX/XXXX to XX/XX/XXXX which directly contradicts what was reported to Experian and XXXX. However, XXXX then reports a 60 day late period for XX/XX/XXXX. How was XX/XX/XXXX reported on time but XXXX XXXX 60 days late? XXXX again reported XX/XX/XXXX as 60 days late with XX/XX/XXXX being reported as on time? This is a FCRA Violation. 

I have provided this information to all 3 bureaus several times with them blatantly ignoring me or purposely stalling by requesting information that was included in the initial letter. This is a violation of the FCRA and is purposely prohibiting me from accurately displaying my credit worthiness and ability to pay on time to potential lenders resulting in credit denials that otherwise would be approvals.

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 2023-06-14
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In regards to account reporting as : XXXX XXXX XXXX or XXXX ( account XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
capital one is reporting to XXXX, XXXX, and XXXX  that I was late on my credit card ending in XXXX for XX/XX/2021. I was never late and i have attached a credit card to prove it. Please reverse the payment history into good standing and not late. it is ruining my credit worthiness to buy a home and violating my consumer rights under the fcra section 605b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2021, due to a massive last-minute airline-perpetrated disruption of my flight that was beyond my control, I cancelled the flight to the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX , booked with my Chase Sapphire XXXX XXXX XXXX Upon calling the credit card company, I was advised to file a claim in order to receive a refund for the nonrefundable expenses associated with this trip -- one of the purported benefits of this card. 

I filed Claim # XXXX with eclaimsline.com ( as instructed by Chase ) on XX/XX/XXXX. I submitted appropriate documentation of the nonrefundable expenses I was seeking reimbursement for and updated my case when I received a refund from the airline and the rental car company. My stay at the XXXX XXXX XXXX, however, remains nonrefundable and I continue to seek reimbursement for this. I submitted an email from the XXXX XXXX XXXX confirming both my same-day cancellation and their policy regarding this cancellation, indicating that I would be billed for the entirety of my stay. Weeks dragged on, and I have received numerous emails from the XXXX XXXX XXXX XXXX citing insufficient documentation of this nonrefundable expense. I resubmitted the XXXX XXXX XXXX, originally sent as an attachment with the original claim, by forwarding it to XXXX. 

Although this email -- an acceptable format for documentation, according to the XXXX XXXX XXXX XXXX -- conveys all the required information, they continue to insist it does not and I find myself in a perpetual stalemate with them. I can only conclude, in light of this, that either no one handling this claim is literate, or -- more likely -- they are rendering this process unnecessarily antagonistic and user-hostile so as to avoid paying out this claim for a nonrefundable travel expense Chase purports to offer reimbursement for to its Chase Sapphire XXXX XXXX XXXX 

In light of this unacceptable customer service ( and a slew of other ordeals involving this credit card ), I have subsequently closed the account, but I continue to seek reimbursement for my cancelled stay at the XXXX XXXX XXXX in the amount of {$980.00}, booked with my Chase Sapphire XXXX card. I can supply the same unequivocal documentation supporting this claim to you as I did to the XXXX XXXX Claims XXXX. 

Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have about 3 to 4 different names never been a California Resident in my Life theses names being used dont hold a Social Security Number the only one to my knowledge that matches my Social is XXXX XXXX XXXX this needs to be Resolved with theses Companies using incorrect information depleting my account they are doing this by Virtual Currency it all started with XXXX Bank but I changed banks to Prove my Identity showing its not me behind all the Foolishness thats taking place I also have a Child Support Case thats not even Registered in the State so how Im receiving Child Support I dont know but something definitely isnt right here

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 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

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: Experian Information Solutions Inc.
State: VA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Experian abused consumer report to deny credit age & well-qualified status as a lender

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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-08-04
Company: EQUIFAX, INC.
State: AL
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 privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2021-03-04
Company: Source Receivables Management LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was hired to do a painting job and the person who hired me offered to pay up front. They said they would send me a check for the amount do including extra to send to a paint supplier. I received the check in the mail took it to my local chase bank branch and deposited the check. The funds were made available within twenty four hours and everything seemed to check out. Once the funds were available I sent the money requested via XXXX To the third party paint supplier. The check then bounced and my account was debited, I am now negative almost XXXX XXXX dollars and I can not afford food gas or rent. My bank has offered no solutions and has come to the conclusion that I am at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: IL
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 privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # 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 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 explanation
Consumer complaint received 2019-11-29
Company: Nelnet, Inc.
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
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:
I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting that XXXX, XXXX, and TRANSUNION remove this collection account from my credit report. I sent a letter last month to XXXX XXXX and the credit reporting agencies regarding a collection account that is reporting on my credit report. The account has been paid, and I originally had an agreement with the original creditor to remove this account once paid. I am not in the business of credit, so I had no idea that my account was sold. This still does not give the company XXXX XXXX a right to ignore my requests. I sent a letter XX/XX/22 asking for the company to remove this account not only because of the original agreement, but because the amount on the collection is different than what the original creditor has. I also asked for validation but was not provided that information. This company also does not have a license in the state of Texas to collect any debt. They also do not have a legitimate website and so I am confused how the collection reporting agencies are allowing a company that is not verified to furnish data. There are many FDCPA and FCRA violations that I can go to small claims court and retrieve payment, but I am only asking for the removal of this paid account as of now. I do expect a response and deletion within 15 days since this is not my first time reaching out to the 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 non-monetary relief
Consumer complaint received 2021-03-04
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: FL
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 privacy and confidentiality under 15 USC1681.

these accounts 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section2 : It also states that a consumer reporting agency can not furnish 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 iteams of information Any other adverse item of information, other then records of convictions of crime which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shaqll not furnish any information relating to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

15 U.S.C 1681i-5- reinvestigate

Company response to consumer: Closed with explanation