BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: ASSOCIATED BANC-CORP
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Demand for HELOC to be Modified and Approved. 

Associated Bank has violated ECOA ( Equal Credit Opportunity Act ) when it denied our HELOC based on our national of origin, our age, and by steering us to refinance instead of getting HELOC. The bank denied it although we have met all its requirements. 

After submission our HELOC application on XXXX/XXXX/XXXX, a representative from the Bank called me and inquired the following information : Our home country. I answered XXXX. 
Our ages. I answered I am XXXX and my wife XXXX years old. 
If we were affiliated with any XXXX  political groups. I answered no. 
If we were carrying XXXX  Passports. I answered no. 
Then, on XX/XX/2023, the Associated Bank sent us notice of action denying our HELOC application. Then on XX/XX/2023, XXXX  Bank said in its letter our application was processed without wrongdoing occurred claiming that it was denied because of the following reasons : 1. 48 months have not passed since my wife bankruptcy discharge. 
2. My wife did not re-established Credit Depth by establishing four ( 4 ) trade lines. 
3. Not enough information to verify all income sources. 
Then we responded and explained in detail that reasons 1 & 2 above were null and not true based on the following facts : a. Regarding # 1, Associated Bank told me, before submitting my application, that my wifes bankruptcy would not prevent us from getting the HELOC as long as she did open three ( 3 ) different lines of credit in the last couple years. My wife credit report proved that she has the following credit in the last couple years : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 
b. Regarding # 2, as explained in a, my wife has established Credit Depth by opening five ( 5 ) different lines of credits and by having Credit score of XXXX. 
c. Regarding # 3, we have submitted everything regarding our incomes. We have submitted last two years tax returns, last two years W2s, Social Security Retirement income, and my wifes last four ( 4 ) paystubs. That what they asked for and if they needed something more, then they should asked ask us for it and not deny our application for that reason

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: National Credit Adjusters, LLC
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: Investigation took more than 30 days

Complaint:
Greetings, I have previously made two separate requests for validation ( see attached ) and your response or lack of response does not comply with the disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply. However, you have chosen not to meet the legal requirements of the law. It is manifest that you have absolutely no claim against me, and that you have no records or evidence to support any claims against me. Once again, it is clear that you have not provided me with any evidence to establish that I owe you any money. 

Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim of debt against me. 


Inquiries Dated ( XXXX XXXX ) and ( XX/XX/2021 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently received a application notice for a credit card, dated XX/XX/2023 from Barclays. The mailed notice referred to a Wyndham Rewards Earner Plus Card, and stated : " Thank you for your recent application.... We have reviewed the application and determined that additional information is needed before the request can be processed. '' I did NOT apply for this! - I don't travel much via hotel and would never have applied for this card. I did contact Barclays directly ( on Tuesday, XX/XX/2023 ) with the provided phone number, spoke to a Barclays customer Security Rep, and requested an investigation take place. I will be checking back with the investigation team to figure out the progress and hopefully, the fraudulent applicant gets caught - I will push to prosecute. I am aware that the phone number on this application does NOT match my phone number but the customer security representative could not disclose any further information at this time. 

I am filling out 2 separate cfpb complaints ( this is my second complaint ) The first complaint was for XXXX XXXX XXXX XXXX, ID # XXXX - XXXX, if needed for reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 
XXXX {$14000.00} XXXX {$1600.00} XXXX   XXXX {$87.00} XXXX  XXXX {$26.00} XXXX  XXXX {$1700.00} XXXX {$1600.00} XXXX {$880.00} XXXX XXXX {$50.00} XXXX {$59.00} XXXX {$230.00} XXXX  XXXX {$1700.00}

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 2020-06-12
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, XXXX I was injured on the job and had XXXX on XX/XX/XXXX. I was out of work and my employer stop paying me for reporting the job related injury. I contacted PHH to mitigate and requested a loan modification in XXXX. I contacted HUD because PHH failed to mail application. I sent loan modification packet back with all information requested in the packet. 3 weeks later I recieved notice that the underwriter want my tax doc before modification would be process per PHH letter sent on XX/XX/XXXX. Tax docs sent and recieved before deadline of XX/XX/XXXX. Then I was informed by letter that the process was not complete but per there letter it should have been. Now PHH has refused to process or even assist during me during this process. I call can't get through case manager unavailable when u call to correspond. Scheduled call backs are not kept as promise. I requested for all communication to be sent by mail or email as that is my primary contact. 

Please be advised that I worked with a Housing Counselor in XXXX Of XXXX and PHH never responded to that request to modify the loan. This is now my third attempt to modify to keep my home as PHH is doing everything to make me homeless. I want to and expect to keep my home but PHH has become to unethical to work with over the past 6 months. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Comenity bank processed my info to someone who stole my identity and issued an account for XXXX  XXXX  in Ohio this is identity theft not me. Account opened XX/XX/2023 XXXX owed {$690.00} I have called comenity bank to file fraud activity.i have frozen my credit with all 3 bureaus Comenity capital bank XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30
Company: Netspend Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
in about 2015 I request that XXXX XXXX XXXX XXXX cancel a XXXX XXXX  monthly subscription. however, they continued to charge me for the account. I contacted my credit card agency and reported the incident and requested a new credit card. They informed me that they would take care of the issue by replacing the card. I don't know how the company got access to my new card, but the charges continued to come. throughout the COVID crisis and it became a low priority, and I had other problems to deal with and did not check my account because I relied on the company to honor my request to stop deducting and cancel the subscription. within the last year after auditing my account I noticed that XXXX was still deducting {$85.00} from my account. I contacted both the agency and the credit card company and request that stop the charges immediately. as of XX/XX/XXXX2023, I am still getting charge considering my ongoing request to cancel. I feel Net spend should have protected my account but for some reason they continued to allow this company to continue to charge me after replacement of the cardXXXX

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 2022-03-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have not made a cash advance in over a year and my Wells Fargo bank keeps charging me interest fees every month and when I called and talked to a banker she told me that I will have to pay that fee until I pay the entire credit card balance off. I don't quite understand that when I am paying a interest fee for my regular purchases which is fair. Example XXXX  Statement : Interest charge on purchases {$11.00} Interest charge on cash advances {$39.00}

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 2023-07-24
Company: Experian Information Solutions Inc.
State: GA
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 recently disputed a Bankruptcy on my credit files and all 3 bureaus claim to have verified the the Bankruptcy BANKRUPTCY XXXX XXXX Number : REF XXXX XXXXXXXX with the courts, and I sent a letter certified to the courts to challenge this and the courts clearly states in the attached document that they don't send any such verification to any 3rd parties such as Credit reporting agencies like EXPERIAN, XXXX AND XXXX. so it's obvious that this information was obtained fraudulently and is being reported fraudulently and should be deleted and removed from all 3 credit reports and I should receive an updated report immediately. or I will sue each bureau for defamation of character and pursue monetary damages fully.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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:
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 U.S.C 1681 XXXX-Balance {$660.00} XXXX  XXXXBalance : {$7900.00} XXXX XXXX -Balance XXXX {$5500.00} XXXXDate Opened : XX/XX/XXXX : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Date Opened : 07/01/202 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency makes any consumer report containing any of the following items of information any other adverse item 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 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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 trying to buy a house later this year so today XX/XX/20 I had my credit ran to see if I could get pre approved for a home loan however, when my credit report came back, I was told I did not get approved because there are several accounts in negative standing on my credit. I looked through my report and I saw the accounts in negative standing but none of them were opened by me. Those accounts do not belong to me and I did not allow anyone to open them using my personal information such as my ID, social security number, name, etc. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I don't know who is responsible for these accounts but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
This account is still showing on my credit report and its over 2-3 months. Ive contacted Transunion and the collection agency. No information given. No status update. Nothing. I never entered contract with any of these companies and Transunion and XXXX XXXX and I never gave permission nor notified of this account even adding to my credit report. This account was added without my knowledge and now Transunion is ignoring my investigations. 

Also for the US DEPT ED account - no contract with this as well. This account is discharged as well. I do not even owe any student loans, that's how I know they XXXX not investigating into anything. 

Please know, I do have ALL of the tracking for these investigations and I have filed report with FTC as these account shouldn't even be on my report.

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 2023-07-24
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
This is my Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate accounts that I want them to correct : XXXX XXXX  XXXX Balance Owed : {$33000.00} ; XXXX XXXX  XXXX Balance Owed : {$33000.00} ; XXXX XXXX XXXX Balance Owed : {$33000.00}.

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 2022-12-12
Company: Experian Information Solutions Inc.
State: CA
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:
This is my six endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-05-30
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
AES is relentless in not negotiating with students regarding repayment options. I tried negotiating a payment schedule back in 2014 when I had a medical crisis and could barely make payments. The only option AES gave was one-half monthly payments and no interest negotiation. There are two small loans of {$3000.00} ( {$6000.00} total ) each that has ballooned to {$12000.00}. During this same time period, I was able to negotiate interest rate reduction with Navient in which I had been paying off along with AES -- no missed payments. I was able to pay Navient in full once the interest was removed. AES will not budge and states the only forgiveness will be upon death. Also, I can not consolidate this loan into my federal loan consolidation/borrower 's defense claim. Something needs to be done where this interest rate is reduced -- this is highway robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: NY
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached out to the debt collection agency and they agreed to a pay-to-delete solution. There were two accounts that were supposed to be deleted from my credit report but are still being reported on my report. After 30 days I reached out to the original creditor and provided them with proof of payments and they said they would update the information but never did. I've contacted both parties on multiple occasions and all they have done is put the responsibility to remove and stop reporting these items on each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have not used my Wells Fargo XXXX XXXX card since XX/XX/XXXX ( 3+ years ). Two large charges were made on those days with the card. 1 ) {$4100.00} and 2 ) {$4400.00} both invoiced for " XXXX XXXX ''. These amounts maxed out the credit of the card. I did not receive a notification or a hold on the two purchases made on XX/XX/XXXX and XX/XX/XXXX. I found out about the charges on XX/XX/XXXX from the XXXX XXXXXXXX XXXX Wells Fargo never notified me that the transactions were cleared on XX/XX/XXXX. I called the number on the back of the card ( XXXX XXXX ) to report the fraud on XX/XX/XXXX. 

I called again ( XXXX ) on XX/XX/XXXX to provide further information. I found out that they later denied my claim after calling on XX/XX/XXXX and asked to have it reopened. I was told I had to provide documents proving that I was not in Washington state during the time of the fraudulent transactions. I went over to a local branch in XXXX to have them fax all of the documents and escalate the case to be an executive complaint. I also emailed the same documents to XXXX 

I filed a police report with my local precinct on XX/XX/XXXX. Wells Fargo has been very unhelpful and have not sent any information on the transactions or why the claims have been denied. 

On XX/XX/XXXX, I was informed that my case was denied again. I called again to have the dispute opened. 

I have never visited Washington state and no other information for the location or items purchased was given to me. Wells Fargo has yet to provide any evidence that I made these purchases or authorized them to take place.

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 monetary relief
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation