BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a military veteran filing this complaint against Well Fargo Mortgage. I was impacted by the pandemic and could not keep up with my mortgage payments. I have never missed any payments on my mortgage until the pandemic. I entered into a forbearance agreement with Wells Fargo Mortgage 18 months ago. I have been in constant contact with Wells Fargo Mortgage during thee entire 18 month forbearance process. The last letter I received from Wells Fargo Mortgage was a letter dated XX/XX/2021 letting me know my payment suspension was coming to an end.at the end of XX/XX/2021. I reached out to Wells Fargo Mortgage on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. On XX/XX/2021 I made my intentions clear that I wanted the VA Disaster Extend option and would resume paying my mortgage XX/XX/2021. I received a call on XX/XX/2021 in the afternoon from " XXXX '' Wells Fargo Mortgage underwriter who was assigned to my case only a week ago. He stated that I had to pay a mortgage payment of {$1800.00} by XX/XX/2021 in order to qualify for the VA Disaster Extend and if I could not do that then I would have to go to the second option, VA Disaster Modification ( a bad deal ). Essentially they are forcing me to take a VA Disaster Modification, even though I qualified for the VA Disaster Extend ( good deal ). I was livid. They provided no written communication detailing this and never said a word of this with in any of the over 20 previous conversations I had with them. I believe what they are doing is criminal, incompentent, and wrong. Also their employees do not know what they are talking about and contradict each other. They need to be investigated.

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 2020-02-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2020 I called Equifax@XXXX and spoke with Supervisor XXXX ( that is the only information she would give me ) regarding ( 2 ) fraudulent charges to my Visa Debit card XX/XX/2020 {$4.00} and XX/XX/2020 {$19.00}. I provided my Visa Debit card # and was advised they were " unable to locate any charges to my account '' I offered the Transaction ID # provided by my bank and was advised to contact my bank because they could not locate any charges matching the card # provided. The Officer assisting me took my phone into the room where the person who provided my card information fraudulently was able to verify his SSN, Address, CADL # as well as confirmed other personal identifiers and an account was located and both charges were confirmed by XXXX ( highest supervisor available on a Saturday ) I was advised that Equifax would NOT be giving me a refund as services were provided to the consumer ... again the consumer was not me nor had my authorization or permission to use my Visa card. I was advised that I would need to provide a fax transmittal with my Bank Account Statements in order to " prove the charges to my account '' although verbally she had just confirmed the card #, amount of the transactions and dates with me verbally by phone. I questioned her refusal to reimburse me and was advised that " due to my past relationship with the person who may or may not have used my card # I was liable for the charges '' I requested to speak to someone located in the USA ( I believed we were having communication issues ) and Supervisor XXXX reiterated to me " we will NOT be issuing a refund as we provided services to the consumer '' stating also to " get my money back from my Ex Husband '' My Children and I are currently being relocated through the California Victims Relocation Board due to a pending Criminal Case against the person who falsely used my card information as a way to gain information regarding our location. At that point I advised XXXX I would be filing a complaint here as well as with the Federal Consumer Protection Board as well and it was at that point she hung up on me after wishing me " the best of luck ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: AmeriHome Mortgage Company, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
There was an issue a while back where my taxes were we're being paid to the wrong address and once it was corrected they had to pay a lump sum to the county clerk to pay up all that they owed. However the problem was they had already paid out some for that year so it pushed my escrow account into the negative which increased my monthly payments by a large amount. I was able to reach out and have them look into the issue and realize that they had sent out a payment for the returned funds from the incorrect tax payments and that had never gotten to me so they were able to stop payment on that check and apply that payment to my escrow account to bring it back up however they still were never able to get my payments back to the original amount it was beforehand. I have told them numerous times the reason I believe that this is the issue is because there is an extra payment that was made last year besides for the total taxes that were paid and when I look at my account it says the total taxes that were paid out were around {$950.00} over what my taxes were for the year. ( My account shows that for the year XXXX taxes were paid at the amount of {$4300.00} when in reality the tax bill was about {$3400.00} and for reference for the year XXXX even after taxes have gone up about {$100.00} or so the only paid {$3500.00} ) They can not seem to figure out where that payment is and why my monthly mortgage payment is still higher ( I was told at the time that the escrow analysis was made after refunding that payment to my escrow that there still is a slight deficiency even though it's not in the negative but it should have a cushion and until I add enough to the escrow I'll be paying slightly higher payment monthly however if all the payments made to taxes were correct and all the extra money was refunded to the right people my payment shouldn't have gone up )

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 2021-09-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA will not process my requests to lift freeze on my credit report. 

XX/XX/2021 - Online request was made. Error message, telling me to call Equifax. Called them and was told I needed to fax information with ID verification. Information faxed. 

XX/XX/2021 - Online request was made. Error message Instructing me to call Equifax for processing. Automated system would not process, instructing me to fax. Faxed on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 SENT IN MY ( IDENTITY AFFDAVIT ) LIKE THEY ASK ME TO TO IN XX/XX/2019 I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA 's. On XX/XX/2019, I mailed XXXX, TransUnion  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-11-22
Company: EQUIFAX, INC.
State: TX
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-22
Company: JPMORGAN CHASE & CO.
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:
Payments marked LATE in XXXX, XXXX and XX/XX/2019. I was traveling and thought Auto Pay for monthly lease payment was enabled via the bank website. I was informed in early XX/XX/2019 that two payments had been missed and resolved the issue immediately. 
Not a single representative at CHASE was helpful, in the slightest, and my credit has been significantly affected by this error. I have explained that the error was a website issue and there should be some sort of FAIR resolution but they wont even respond to my request. I only recently received a form letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: WA
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:
My credit report is still showing incorrect information : - XXXX XXXX  XXXX, ( Account ending in XXXX ). This account has been paid-in-full. Please see the attached confirmation letter from XXXX, dated XX/XX/2022. 
- XXXX XXXX, is still incorrectly showing a {$900.00} balance due. ( Account XXXX ) incorrectly filed on my credit report. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to the IRS, which means it is now income earned for the company. I can not owe on income. This is inaccurate reporting on their part. They are trying to be paid twice for the same case. I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. 

Please remove these items from my account, immediately.

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 2020-02-22
Company: Credit Card Receivables Fund Incorporated
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hello, I am attempting to lodge a complaint against debt collectors and law firms who work in conjunction to pressure and threaten individuals by suing them in State Civil court ( California ). They have created their own industry, to enrich themselves and prey on citizens who can afford no real defense for themselves, and I am including myself. By suing them in state court as apposed to Small Claims court. They create an environment in which the defendants have no previous experience or knowledge and therefore are prevented from offering any real defense for themselves. 
These collection agencies, which are mostly paying pennies on the dollar for these outstanding loans, then turn around and demand a repayment of at least 70 %. Which should be construed as illegal Usury. I am talking about thousands of suits brought to court every week in the state of California. 
The plaintiffs attorney ( who was a paid litigate stand-in for most of the firms who were due in court that day ) explained to me afterward how terrible this practice was and that it had been going on for at least 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: FL
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:
INCORRECT CREDIT SCORE

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submitted a complaint, # XXXX to the CFPB about this account on my consumer report. The certified mail number is # XXXX. My personal information has not been properly protected according to 15 U.S.Code 6801 and the United States Congress. This account was previously sold to XXXX XXXX XXXX XXXX  which is in my previous complaint. 

The alleged debt was written off and I received no XXXX which is a requirement of the Internal Revenue Service XXXX IRS ). NAVY FEDERAL CREDIT UNION should have sent me a XXXX to prevent me, the consumer, from financial harm due to NAVY FEDERAL CREDIT UNION XXXX XXXX. 

Not only has the account not been removed nor did I receive my required IRS XXXX, the charge-off itself has a past due amount. How? This account should be reported as income. How can this charged-off/written-off account be income and debt? And with that being said how is it still reporting? 

I have not received any documentary evidence according to 15 U.S.Code 44. Not a pile of papers and statements. I requested the books of account and financial and corporate records. The amount this alleged debt on my consumer report was sold for. Explain to me how you safeguarded all my personal information and provide evidence.

The letter I received stating I must pay an alleged debt contains violations of 15 U.S. Code 1692. This alleged debt and this mail I received are defaming my character.

You are criminally liable for willfully and knowingly reporting false and inaccurate information. 15 U.S.Code 11 These are my rights granted by Congress as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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'm " XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that requires to UPDATE. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. The following accounts should be corrected on my file : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$23000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1000.00}.

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 non-monetary relief
Consumer complaint received 2021-09-28
Company: Mercedes Benz Financial Services
State: NY
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: Problem with personal statement of dispute

Complaint:
Mercedes Benz Financial Account is being reported inaccurately. It is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2021-09-28
Company: OneMain Finance Corporation
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
One Main not authorized Any credit. At no time did I authorize a credit request. Iam looking into fraudulent activity. I want that inquire deleted. I did not sign no such authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation