BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2011 I received a letter from Wells Fargo/XXXX who they owned that my property taxes were delinquent and unpaid. I sent them information that they were on an approved installment plan and current. XX/XX/2011 I received confirmation that they had accepted my proof of payment for property taxes. On XX/XX/2011 I received an additional letter stating that my property taxes were delinquent. I sent the same letter and proof to them that showed current on property taxes. On XX/XX/2011 they accepted again my proof of payment. On XX/XX/2011 I received a letter that they had paid my property taxes for a totals of {$54000.00}. They in turn tripled my monthly mortgage payment to recoup the XXXX over 18 months and I was unable to pay this. They in turn foreclosed on my property with a trustee sales date. I was able to Short Sale the home just days before the scheduled foreclosure at the court house. I hired an attorney which I could not afford to keep. The paperwork i have still is quite incriminating. The attorney determined my total loss to be upwards of {$450000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: EQUIFAX, 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:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
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: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2021-03-05
Company: U.S. BANCORP
State: DC
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:
On XX/XX/2020, I initially bought some great gear from XXXX, which I love, for {$93.00}. I then thought that I paid my account off in full on XX/XX/2020 ( see attached XX/XX/2020 Statement ). The account was XXXX. However, I would learn in XXXX that in fact, the account was not paid in full. US Bank provided me with inaccurate information about my account and did not accurately provide accurate information to XXXX XXXX XXXX who is my primary bank. As seen in the attached phone log that corresponds to roughly the same time as the transactions on my account ( see attached US Bank transactions ), I have spent a couple of hours trying to correct US Banks problems on my account. I was told during these phone calls that the payment of {$93.00} would be fixed, and it was not. I was told by US Bank that the reason why the payment authorization was not received was XXXX XXXX fault. It was not. I was told that it was my fault. It was not. I was told multiple times in my phone calls to fax my card number, full name as on card to Attention Research to show that there was no block on the account to the fax number for Us Bank : XXXX. Then, come to find out that I never had to fax anything to begin with. I have done everything in power to work with US Banks representatives and XXXXXXXX XXXX to make the payment that I initially made on XX/XX/2020. After speaking with US Bank Employee Manager XXXX XXXX # XXXX XX/XX/2020, she told me yet again that she will fix my problem. The amount was corrected XX/XX/2020. 
I found out the weekend of XX/XX/XXXX that my credit score decreased when we were looking to buy an RV to travel and see family during these trying times. I cant believe that after all that I have gone through in paying this bill, US Bank would report this payment to my credit report. I have never missed a payment or a due date. This is ridiculous and unheard of. I have done everything in my power to pay a bill multiple times in order for US Bank to not report to my credit. For this reason, I asked US Bank to correct their credit reporting. I received the attached letter and US Bank refused to correct the report. Please ask US Bank to correct the credit report. 
Thank you for your attention to this matter. 
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
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 non-monetary relief
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2021-03-05
Company: Synovus Bank
State: SC
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:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$660.00} 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 non-monetary relief
Consumer complaint received 2021-03-05
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:
There is a XXXX card listed as a charge off on my credit reports which has not been removed even after disputing and proving its inaccuracy. The charge off is listed as {$800.00} on XX/XX/XXXX and an open date of XX/XX/XXXX, but with pays as agreed status through XX/XX/XXXX and payments listed through XX/XX/XXXX. There is a {$0.00} past due in XX/XX/XXXX, and an {$800.00} balance on a {$300.00} limit listed in XX/XX/XXXX. This is all obviously incorrect and the negative information should have been removed, but it has not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My issue is with XXXX XXXX XXXX and XXXX. In XX/XX/XXXX, my loan was transferred from XXXX to XXXX. Each payment is due on the first of the month. XXXX accepted my payment on XX/XX/XXXX as shown in the document of my bank statements on page 9. According to the notification of loan transfer, a check was requested for the first payment and that was cashed on XX/XX/XXXX. According to recent correspondence from XXXX on XX/XX/XXXX, that check was also applied to XXXX when it should have been applied to XXXX. This caused a trickle down effect of appearing as though my payments were a month behind, and it was discovered when XXXX reported a missing payment in XX/XX/XXXX. 

XX/XX/XXXX check of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 

A payment was never missed. I have called XXXX multiple times and submitted many online inquiries, and they refuse to make the corrections even with proof of my bank account statements. I did not choose for my loan to be transferred, I don't understand why the proof of the XXXX payment is not enough to fix it. 

If a loan is transferred, both companies should communicate payments. This has caused me great stress and has negatively impacted my credit while there is no valid reason.

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 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was in a car accident on XXXX hit from behind the insurance company and the gap insurance paid off my car loan with XX/XX/XXXX long story short is my account is closed but XXXX  give me an late payment on my credit report for XX/XX/2021 which has dropped my score on my credit and the credit bureaus is doing nothing to fix the problem

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 2019-09-28
Company: Pendrick Capital Partners Holding, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX ( PENDRICK CAPITAL PARTNERS II LLC ) I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have pictures of property at XXXX XXXX XXXX XXXX New York XXXX At the time I was in contract the building had a fire I made an agreement with the buyer that I will get the proceeds from the claim. 
See below the notice I sent for my mortgage company PHH mortgage with all the documents they are just ignoring my emails and calls no one to talk to. 

Please help me out Re : XXXX XXXX. XXXX, Account of XXXX XXXX ; XXXX Claim No XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX purchased XXXX XXXX XXXX, XXXX, New York on XX/XX/2023 from the heirs of XXXX XXXX. The heirs are XXXX XXXX and XXXX XXXX XXXX XXXX Attached is the recorded deed and satisfaction of mortgage. 

Prior to the closing, XXXX issued a check on or about XX/XX/2023 in the amount of {$81000.00} payable to " PHH Mortgage Services For the account of XXXX XXXX. '' Attached is a letter from XXXX to XXXX XXXX XXXX dated XX/XX/2023. 

The rights to receive insurance proceeds in the amount of {$81000.00} were assigned to XXXX XXXX XXXX per the attached written assignment dated XX/XX/2023, executed by XXXX XXXX XXXX and XXXX XXXX XXXX and countersigned by XXXX XXXX XXXX 

We understand that the check in the amount of {$81000.00} was forwarded by XXXX XXXX XXXX to PHH Mortgage Services, and yesterday, XXXX Claims Examiner XXXX XXXX, whose name appears on the XXXX letter dated XX/XX/2023, confirmed to my client that PHH had deposited the check. 

XXXX XXXX XXXX is requesting PHH Mortgage Services to turnover the insurance claim proceeds in the amount of {$81000.00}. 

XXXX XXXX XXXX 's address is XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, New York XXXX Please let me know if additional information is needed. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: NRA Group, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
last month I received notification that National Recovery Service put a derogatory remark on my credit report for {$600.00} relating to an unpaid gas bill with XXXX Gas and Electric from usage between XX/XX/XXXX and XX/XX/XXXX at XXXX XXXX XXXX in XXXX, XXXX. I sold that property in XXXX and have lived in XXXX  since XXXX so it is not my bill. I have contacted XXXX Gas and Electric and they explained to me that I somehow set up an option where if noone 's name is attached to the gas bill the gas bill is forwarded to my name ( I don't remember doing this ). But I should not be responsible for a future owner 's gas bill and this is ruining my excellent credit. I have requested investigations from XXXX, National Recovery, and all credit bureaus but have not gotten anywhere.

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