BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, I am writing to you as a resident of Illinois in an attempt to remove a collection account from my credit report. I have contacted the three major credit bureaus - XXXX, XXXX, and XXXX regarding an item listed on my credit report as a collection account, specifically " Credit Collection Serv XXXX ''. Despite disputing this item with all three bureaus and sending letters via mail, I have not received any written or verbal response. XXXX informed me that the collector had responded and that I would receive their response via mail, but it has been over 90 days and I have not received anything. 

I do not believe that this collection account belongs to me, as I have never been contacted by this debt collector through any form of communication, such as mail or phone. Despite this, the account is negatively impacting my XXXX XXXX and overall credit, and I have not received any proof or validation of the debt. As such, I am requesting that this account be removed from all three bureaus since it does not belong to me. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate or incomplete information on my credit report. Additionally, the FCRA requires credit bureaus to investigate disputed information and remove inaccurate or unverifiable information within 30 days. In my case, the credit bureaus have failed to comply with these requirements, and I have been unfairly burdened by this collection account on my credit report. 

Furthermore, the Illinois XXXX XXXX XXXX ( XXXX ) prohibits XXXX from using any false, deceptive, or misleading representation in the collection of a debt. The XXXX also requires XXXX to provide written validation of a debt within five days of initial communication with the debtor. In my case, I have not received any communication or validation of the debt from the collector, which further supports my claim that this collection account does not belong to me. 

In light of the above, I urge the CFPB to investigate this matter and take appropriate action to remove the collection account from my credit report. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am now more devastated it than before. I am writing to you for the second time regarding the inconsistencies of Wells Fargo. I have requested over and over again a work out plan that will benefit us all. Wells Fargo decide to now sale my home. .. Never any explanation or concern of my circumstances I requested on XX/XX/2018 that Wells Fargo review my file again and make the necessary adjustments for my wife is on a full time job. She is now on a full time job over a year. I again provide documents on XX/XX/XXXX hoping to get a resolution. I am still waiting. 
My attorney s office called Wells Fargo and spoke to the preservation dept. spoke to XXXX who transfer them to the re - entry dept.. There was no resolution .File is always in review. 
Let me summarize my unfortunate set of circumstances beyond my control which leaded me to default on my mortgage. In XXXX, I suffered a XXXX XXXX resulting in two XXXX XXXX, as a result of the injury I could not work. I was out of the job for ten months. As the head of the household there was no income coming in. My wife was the only one now working at a part time job. Not enough income to feed 7 people. I have XXXX children. Please, Please, understand that this is our only shelter. My financial situation has now improved. I have provided several financial packages to Wells Fargo to no success. They are the one to holding on to a resolution, making me incurred an outrageous balance. I have heard of the law suit against Wells Fargo similar to my own. I can provide you such. All I want is for Wells Fargo to reconsider my situation and allowed me to make payments o my house.. I need this shelter for my children. I have XXXX children as I mentioned before.

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 2022-10-31
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After receiving roof damage during Hurricane Ivan, I submitted an online application with Navy Federal Credit Union ( NFCU ) for a Home Equity Line of Credit ( HELOC ). My intention was to repair the roof using the funds from the HELOC while I await my insurance settlement. 

I received an email requesting a telephone interview from XXXX XXXX, Equity Processing XXXX | XXXX XXXX XXXX, XXXX XXXX XXXX | XXXX, VA | XXXX Telephone : XXXX | Fax : XXXX Email : XXXX, On Friday, XX/XX/2022, during our very first conversation, XXXX XXXX outlined that there would be approx. {$2000.00} in closing costs and that the roof would probably have to be replaced BEFORE they could approve the loan. I immediately responded by instructing her to withdraw my application. She replied " okay ''. She agreed to withdraw my application. She then called me back a few minutes later and stated that " by law, they must record my loan as declined ''. That is absolutely untrue. My loan was not declined, nor had they even offered me the loan or completed the interview. It was in fact withdrawn. She then stated that it would not be reported to credit agencies, but would be marked as declined only in the NFCU internal records. I advised that his too is unacceptable. 

So, I am requesting your assistance in having this matter resolved. I have a long-standing and blemish-free relationship with Navy Federal. I have referred dozens of borrowers due to the professionalism I experienced with NFCU, until now. I will not allow my record with NFCU to be tarnished because I withdrew a loan application. 

I'm not trying to be unreasonable but, I take my credit extremely seriously and they are threatening to disrupt my years of hard work by fraudulently recording my application as declined. They DIDN'T decline my loan, I WITHDREW my application. 

I am a XXXX, XXXX XXXX veteran and I rely on my credit in the event of emergencies. What NFCU is doing is not only deceptive and destructive, but I believe it is fraudulent and illegal. 

Please help, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Bread Financial Holdings, Inc.
State: OH
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:
Comenity Bank has not reported to the credit agencies since XXXX. I have recently payed off all my debts, including this one, but them not updating my current balance is effecting my credit score, and I will be applying for mortgages soon. I need them to report my XXXX XXXX balance correctly so that the utilization for my BJ 's Perks Mastercard is reflected correctly. It should change significantly from above 90 % to less than 12 % utilization. My statement closing date was XX/XX/2022 and like I said before, they have not reported my credit account with them since XXXX. 

I have tried reaching out multiple times and spent hours on hold, I can never reach anybody.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
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:
LATELY I HAVE BEEN SHOPPING FOR A MORTGAGE AND THERE ARE A FEW LENDERS THAT RAN MY CREDIT WITHOUT GETTING BACK TO ME WITH APPROVAL OR DENIAL. I WOULD LIKE THOSE INQUIRIES REMOVED AS THEY WERENT PROCESSED FOR APPLICATION. I STILL DONT HAVE ANY FEEDBACK FROM ANY OF THE LENDERS THAT PULLED MY SCORE AND THE HARD PULLS, PULLED MY SCORE DOWN. I WANT TO REMOVE ALL FREEZES AND FRAUD ALERTS, I DINDNT REQUEST THAT. I ALSO WANT TO REMOVE ALL PRIOR CONSUMER STATEMENTS : INFORMATION OUTDATED AND UPDATE WITH THE ATTACHED ( SEE ATTACHED DOCUMENT ) I WOULD ALSO LIKE THE BUREAUS TO FURNISH PROPER CREDIT CARD USAGE ON CLOSED ACCOUNTS. REPORT XXXX BALANCE ON CLOSED AND WRITE OFF ACCOUNTS AND STOP MONTHLY REPORTING ON CLOSED ACCOUNTS REMOVE AUTO LOAN ACCOUNT WHICH HAS BEEN BREACHED DUE TO DISCOVERY OF DEALER LOAN FRAUD ( PAPERWORK PREVIOUSLY SENT IN ). XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX Account # XXXX Equifax Mortgage Service XXXX XXXX 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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I turned XXXX and im serious on buying a house for me and my family and was told i have 10 to 12 of these listing of hard inquiries and inquiries, US SM ADMIN ODA XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-20
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Originally Debt from XXXX  XXXX and now with Genesis debt agency. 

The date of the debt is supposedly started in XX/XX/2022 debt was placed on XX/XX/2022 for unpaid Lease!! 

I have provided documentations stating this is false because the apartment Im leasing now is my very first lease and I pay on time. My lease date started here XXXX current. Also I stated I live all the way here in Arizona the debt looks like its in California. 

Please help! Im currently trying to move and this is not helping

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they Violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts- XXXX XXXX XXXX XXXX XXXX XXXX  florida XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Every few months it seems that I have to reach out about my credit report being frozen ( without my knowledge ) and an inability to apply for things like ( housing, jobs, etc. )!!!! This issue has caused me considerable damages and losses. To make matters even worse, the credit reporting agencies have made it an impossibility to request they lift these freezes since they wont even allow you to access YOUR OWN credit report using YOUR personal identifying information like : a full name, permanent mailing address and social security number. This is just one of 100 complaints Ive made over the past 2-3 years and at some point Im going to collect every last one of these complaints and sue them for damages. I dont know whats so difficult to understand. 

DO NOT FREEZE MY REPORT UNLESS I HAVE REQUESTED IT TO BE FROZEN!!!!!

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 2022-10-25
Company: Snellings Law LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I responded in writing to the letter from Snellings Law, LLC. I got dated XX/XX/, on XXXX XXXX XXXX  advising this was not my debt. The debt collector advised he was an attorney and was suing me. I called, and no response. My family member called, and they took a message. A call was returned a week later advising they did not have information. My family member requested more information in the call. A male identifying himself as XXXX XXXX advised he did not have any information about the debt. The reported group, providers, and how the debt was caused. The family member continued asking questions about the TIN # and PIN #, CPT, dates of service, and where the service was provided. The guy finally gave the TIN #. There were more numbers that he found and gave. 

I called my insurance company and also located the EOB 's that stated I did not owe any money further to any medical providers. This was the balance billing of an IN Network provider for In-Network services that they accepted the fees for from the insurance company. I opened a case for balance billing with the insurance company. I am supposed to go to court still? this is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XX/XX/XXXX. I have attached my bank SS Card and DL for proof of ID

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 2018-09-05
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XXXX of this year a contacted a lender about refinancing my current mortgage. During that process it was discovered that I had a past due amount for property taxes totaling XXXX. I checked with the county and sure enough my property taxes had not been paid. This was the first time that I became aware of this. I escrow my property taxes and insurance into my mortgage payment which has been paid on time every month. I contacted my current mortgage company, Freedom Mortgage to find out why they had not paid the taxes. They assured me that they made the payments. In fact, they claimed to have made three ( 3 ) payments ( XXXX, XXXX & XXXX ). After some research on their part they discovered that the payment they sent in XXXX was returned because it was for the incorrect amount. When it was returned they failed to issue a new check and get my taxes paid. I inquired as to why so many checks were written to pay my taxes ( as they were not partial payments but full payments ). They did not give me a clear answer, only that they send bulk checks to the county. However, they claimed that the three checks that they sent on my behalf were not bulk checks but individual checks just for my account. Despite this, they do not know what happened to the XXXX and XXXX check as it was only the XXXX check that was returned for the wrong amount. It would appear also that they waited until the very last minute to pay the taxes because the bills go out in XXXX ( in XXXX county we have until XXXX the following year to pay ) yet they did not send a payment until XXXX. 

In good faith I make my monthly mortgage payments which includes escrow so I expect my mortgage company to pay my property taxes in full and on time. I have now suffered harm as a result because in the process of my refinance the delinquent taxes will now cost me money because it will have to paid by new lender and added onto the loan. Therefore, Im forced to take a higher loan amount if I chose to go through with the refinance due to my current lenders incompetence and what appears to be funneling of money. They need to be thoroughly investigated. Ive uploaded a copy of my annual escrow statement which was sent in XXXX which shows how much was paid into escrow and how much they claimed to pay out, yet my taxes are delinquent. Also uploaded is a copy of the county 's invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I was told by XXXX XXXXXXXX XXXX there is a credit fraud alert on my credit report through Transunion that needs to be removed in order for underwriter to continue with the loan process for a house purchase. I was supposed to close last Friday, XX/XX/XXXX. I called Transunion to see if I can remove it on Friday XX/XX/XXXX and was told the online version wont work, the phone call wont work, and no other options for fax/email. The ONLY option was to send it in my snail mail. Given the fact I pleaded my case I was supposed to close on the house on Friday XX/XX/XXXX. The supervisor and the agent I was speaking could not help. I am at risk of losing my earnest money deposit of {$38000.00} for a house I thought I was supposed to buy last Friday XX/XX/XXXX. 

Since there was no other option then to send in regular mail. I sent Transunion priority air on Friday XX/XX/XXXX the items they requested. Tracking shows they should receive the letter today XX/XX/XXXX. Even with the letter arriving today they said it may take up to 5 business days to update the credit fraud alert. So potentially, we are looking at Tuesday, XX/XX/XXXX when it is an issue that could have been easily resolved last Friday XX/XX/XXXX without the potential of losing my earnest money deposit or the house. I am quit disappointed in this process and has caused great hardship. 

The credit bureaus do not understand certain items are time sensitive and at times there are a lot of incorrect information on credit reports. I have never seen that credit fraud alert or the two phone numbers ( disconnected ) that were connected to the fraud alert. I only hope that the credit bureaus improve their process to allow for email/fax updates through secured/verified emails so this does not happen any longer.

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 2023-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 called Capitol one ( my credit card company ) and ask them if they could add my account information to XXXX Credit Bureau Agency so i can have a longer credit history on my XXXX credit report. Capitol One reply 's that I need to contact that credit bureau and have them add it on to my report. And I called Cap One and XXXX least 3 times Each and almost XXXX hours later, both parties claim that there's nothing more on their end they can do. 
My question to cfpm is what can i do on my part to get my Cap One credit card info on to my XXXX credit report? i have excellent payment history gone unnoticed and 11 years of great credit payment history. Please advise

Company response to consumer: Closed with non-monetary relief