BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX -- -- IDENTITY THEFT! 
XXXX XXXX XXXX -- -- IDENTITY THEFT! 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2019-06-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was unemployed from the years XXXX - the beginning of XXXX. During this time it was extremely hard for me to keep up with my credit card payments. I struggled alot during this period of hardship and unfortunately, this affected my relationship with this creditor. For the months of XXXX and XXXX, I was unable to meet the minimum payments on a {$1900.00} balance. I was attempting to enroll the accounts on a debt repayment program and this transition also led to delay in payments as the creditor and the program agency worked to negotiate a lower interest rate and lower minimum payment. This was my last resort because the company itself was not able to help me when I reached out for help with minimum payments and interest.

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 2023-12-15
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
For fiscal year XX/XX/XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX issued a property tax bill of {$9800.00} to be made in two payments of {$4900.00}. 

Our mortgage company, United Wholesale Mortgage ( UWM ) issued one payment of {$4900.00} in XX/XX/XXXX and three payments of {$4900.00} XX/XX/XXXX. UWM issued one tax refund of {$4900.00} on XX/XX/XXXX. We have been awaiting the refund of the other {$4900.00} for nine months now. 

I have attached the escrow account payment history from the UWM online portal and UWM XX/XX/XXXX mortgage statement to support the three tax disbursements made in XX/XX/XXXX and only one refund provided in XX/XX/XXXX. 

UWM representative, XXXX XXXX, has acknowledged the error made by the UWM team and informed us that the work order will be completed and a refund of {$4900.00} will be issued by XX/XX/XXXX. I have attached the response from XXXX XXXX for support. We followed up again with XXXX XXXXUWM via secure message on XX/XX/XXXX and have not received any response nor refund to our escrow account. We have spent many hours following up and explaining this error to UWM. We have been contacting UWM via secure message and phone since XX/XX/XXXX to fix this issue. 

Please note that XXXX XXXX XXXX has confirmed no refund due to us. The refund of {$4900.00} will need to be issued by UWM as they had incorrectly disbursed the extra tax payment in XX/XX/XXXX and have not refunded us as of today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: NEW YORK COMMUNITY BANCORP INC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
They said they was going to remove the inquiries, but they never did inquiries that I did not authorize

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 2018-07-30
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern : I have had correspondence with Wells Fargo over several letters and phone calls regarding account # # # # # # # # and the illegality of the foreclosure that occurred in XXXX. Again, this foreclosure was preventable, but Wells Fargo did everything in their power to make it unavoidable. The latest correspondence from Wells Fargo indicates that they offered a viable solution for us to stay in our home, but this is simply not true. The only modification we were offered on our home mortgage was for a temporary modification of $ XXXX/mo reduction of our mortgage. This was not a sustainable option and was only temporary. 

When we called Wells Fargo originally to discuss modification options, we were told we should not pay any amount of our mortgage in order to qualify for the HAMP modification. We were told to send many different sets of paperwork to Wells Fargo via fax. We sent all this paperwork in several times over and told almost every time that the paperwork was not received or was lost. Departments did not communicate with each other, so one person would not know what the last person had said or seen from us. We even sent things via mail because we were told so many times the faxes were not received or lost. We were told that Wells Fargo Home Mortgage could not communicate with Wells Fargo Home Equity so a combined decision on a loan modification was  impossible. 

Most recently, in the last letter received, Wells Fargo Home Mortgage indicated that the home equity loan was written off in XXXX. Unfortunately, we were not informed of this and continued to receive bills by mail for this loan. If we had known we could have only paid the home mortgage loan we could have afforded to stay in our home. 

Additionally, we qualified for a HAMP loan modification, but recently were told by Wells Fargo that they did not receive the required paperwork for this modification. We did send any and all paperwork we were asked to fill out and send because we were eager to stay in our home. We are so dismayed at the deceitful actions taken by Wells Fargo and have experienced a windfall of negative consequences due to this foreclosure that was preventable, but was forced upon us by Wells Fargos inability or their unwillingness to help our family stay in the home. 

Wells Fargo refuses to admit negligence in this matter and continues to ask us to provide evidence. Wells Fargo has evidence in their recorded calls and correspondence with us regarding the way they handled the matter. Faxes were lost, we were not informed in a timely manner, they did not want to help us stay in our home because we were paying Private Mortgage Insurance which  protected them from consequences of foreclosure, yet did not protect us as the homeowners.

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 2023-08-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to file a formal complaint against Equifax regarding their failure to respond to my dispute letter dated XX/XX/2023. Despite the passing of a significant amount of time, I have not received any communication or acknowledgment from Equifax regarding the matter detailed in my dispute letter. 

Despite my efforts to rectify the inaccuracies in my credit report and the subsequent submissions of dispute letters, I have yet to receive any response from Equifax. The lack of communication has caused significant distress and inconvenience, as these inaccuracies may have a direct impact on my financial well-being and overall creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 
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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2019-06-22
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My problem is with my escrow company. It is a gigantic mess. They refuse to believe that they are wrong. But i know for a fact im 100 % correct. This problem is so big. That i cant write it. I literally need to talk with someone about this. Its far to much. I got your number from the XXXX. Because at this point. They see that i am completely right. And my mortgage company is refusing to still fix the problem that still exists. Please call me so i can lay out. How unprofessional this company is. Please call me. If i dont answer. Please leave a direct number to who ever calls. 
Im a XXXX XXXX XXXX. Im very good with my money. So please youll want to here what i got ta say. Im sure a new rule/law can be made from my issue. That will ensure it never happens again. 
I will send all my paperwork to the rep that contacts me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Mr. Cooper Group Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced a mortgage on an investment property that I own in XX/XX/2021. XXXX lender originated the loan, then sold the loan to a mortgage servicer/lender by the name of Mr Cooper. 

My XXXX mortgage interest was built into the closing costs, the next month does not have a mortgage payment due, and so my first payment was due onXXXX the originating lender, unless the loan was transferred before then to Mr Cooper. The loan was in fact sold to Mr Cooper in XXXX with an effective transfer date oXXXX, so I would be making my first payment to them. 

XXXXwas a busy time for me. My family moved, our new home was being renovated, and I dealt with a family crisis during that time. I understood that there is a 60-day grace period starting from the loan transfer effective date, so I made myXXXXpayment as well as my XXXX payment to Mr Cooper on XX/XX/XXXX knowing that I needed to make the payments within that first 60 days. Assuming all was well, I made my XXXX payment and XXXX payments. 

A few days ago I learned that Mr Cooper forced the original lender to buy back the loan as a scratch and dent mortgage on XX/XX/XXXX because I did not make myXXXXpayment on time. I am not privy to all the discussion between the originating lender and Mr Cooper, but my originating lender is stating that the loan was being forced back to them because Mr Cooper stated the payment in XXXX was late. 

I reached out yesterday to the customer service side of Mr Cooper to ask them about the situation. Eventually I was escalated to an Executive Resolutions Specialist who claims that the loan can not have been forced back to the originating lender due to a late first month 's payment because the payment was made within the 60-day grace period window. However, internally, Mr Cooper is telling the originating lender that my XXXX payment was late, therefore the loan is now a scratch and dent loan ( and I am being forced to refinance as a result ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Multiple calls have been made and I have followed all of MasterCard gift cards instructions to fax in a picture of the card back and front with all of my contact information and when to reach me. Yet they have failed multiple times to reach back to fix my problem. My funds have not been accessible for 4 months.

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 2018-10-12
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: Account status incorrect

Complaint:
XXXX XXXX XXXX  has reported late payment on my credit report fromXX/XX/2018-XX/XX/2018 140 days late payment this car was totaled lost and account was close this year XX/XX/2018 with a {$0.00} Balance XXXX XXXX XXXX   is reporting false information on my credit report and now as added back the dedit under the FCRA LAW DEDIT COLLECTOR CANT REPORT FALSE IMFORMATION ON MY CREDIT I will sus this company if this is not removed off my credit they have added this to my report with out my knowledge and has affected my credit score This company Is not right and this is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : 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.

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 2018-10-02
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from a XXXX XXXX with Alternative Dispute Resolutions originally from an unknown number, then he left a message with phone number XXXX-XXXX-XXXX. He claimed to be following up on a civil complaint on behalf of XXXX XXXX for a bank account of mine that was forceably closed in XX/XX/2009  due to extensive overdraft. He said I owed $ XXXX+ and that amount would triple in 48 hours. He said someone would be at my house to serve me for an appearance in court on the matter by XXXX  XXXX  today if I didnt resolve the issue. I had a checking account with XXXX back then, it was closed but I paid them. This man had my full SSN!! Who collects on a debt thats almost 10 years old? I have a current account with XXXX XXXX. If I owed them money, they wouldnt have opened an account.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-18
Company: EQUIFAX, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i have tried to have the Bankruptcy removed from my credit report because I'm trying to rent an apartment and I'm getting turned down because of the Bankruptcy on my report. I have complied with my legal requirements. I'm a single mother of XXXX children and I have finally graduated college and I have a great job now. Since I have relocated to XXXX from XXXX XXXX it is very hard to rent a place of residence with a Bankruptcy on your credit. They have a system to expunge Felons so they can get out and get a job so why I cant seem to get this Bankruptcy remove from my credit. I have satisfied my Legal obligation. PLEASE help me!!! 

thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
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:
This stuff that XXXX  has on my credit is not mine. It's student loans on there and I never ever been to college. I told the man that sounded like he was having a hard time understanding what I was trying to explain to him to me seemed like he was reading from a piece of paper. I do not have any student loans XXXX is giving me arid time about getting this stuff off. I was told to mail a dispute and I did never heard anything back. please get this taken care of. These student loans and the stuff showing from XXXX  XX/XX/19 & XXXX? XXXX XXXX XX/XX/19, XX/XX/19 & XX/XX/19 I did not apply for a XXXX XXXX or XXXX card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, 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 am formally requesting with this CFPB Complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX  Balance {$1500.00} - You are reporting different information from other bureaus. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} - You are presenting data that is distinct from that of other bureaus. I always make my payments on schedule and this account has never been late. At your bureau, this account is simply reported as being late. This account should have never been late if your record-keeping was accurate. I need to update this account right now since, according to the FCRA, reporting of account information must be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX IS REPORTING INCORRECT ACCOUNT INFORMATION ON MY CREDIT REPORT. THIS ACCOUNT WAS REMOVED A YEAR AGO DUE TO ACCOUNT NOT BEING MINE.

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 2022-12-22
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:
The unverified account listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX {$95.00}.

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