BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive been contacting the credit bureaus for months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATIONS ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2022-08-10
Company: Conn's, Inc.
State: TX
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:
Had a previous account with Conns. Fell behind on monthly payments in XXXX. Was then offered a Settlement Offer of {$430.00} to pay it off and it would close the account. I made two payments each month until XXXX. I assumed my account was good and closed, but never received a deletion letter as promised. I called Conns Customer Service and found out one payment in the payment plan did not process for some reason so it opened up a new settlement all over. I talked to a supervisor and got one last payment approved and if paid, it would be paid, in good standing and closed. I made that last payment in XXXX XXXX. I waited XXXX days to get a deletion letter and checked my credit regularly. When I had gotten nothing, i then called again and talked to a supervisor who stated the previous representative that took that payment input a number incorrectly, meaning the payment was never made and it " automatically canceled out my settlement offer ''. I argued how that wasn't right and talked to another supervisor who approved the last remaining payment be accepted then and there over the phone. It processed as debit and was reassured " that my account was FINALLY paid off and closed and it should take XXXX days to update and report on my credit. '' TO THIS DAY, it still shows as account open, charged off with a balance which is inaccurate. I have the bank statements showing the payments made as promised. 
I have disputed it several times through XXXX, XXXX and XXXX to which Conns FALSELY verified the information as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: NY
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:
Equifax does not report any score, any file, nothing. Preventing me from credit, loans, etc from any one that uses them. It isn't locked, but possibly " split '' from two many " soft pulls '' and it's impossible to find the right person that knows how to fix it. Additionally, if anything is found, the credit bureaus seem to not delete anything derogatory that is older than 3 years, despite the NYS statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I thought the FHA forbearance program had ended. Being behind on our mortgage due to job losses starting in XX/XX/XXXX, we thought we were just going to have to lose the house. However we learned last month that we could still request forbearance and also get a loan modification. 

On XX/XX/XXXX, I contacted our servicer, PHFA, to ask for forbearance and begin the loan modification program. I was assured by a local housing counseling agency that due to the CARES act, my request would be granted and we could avoid the foreclosure as our request occurred before the moratorium expired. 
I contacted PHFA via email as the phone lines we busy, and I received a response from someone on their home retention department that day. The response said that she had forwarded my request to her supervisor. 

I did not hear anything back from that supervisor until XX/XX/XXXX. 
On XX/XX/XXXX, that employee said that we were not getting the COVID forbearance. She also claimed that our issues started prior to Covid and. Therefore we are ineligible. Admittedly, we experienced a setback in XX/XX/XXXX, but it was recoverable until the job losses in XXXX. She did include a form requesting income information for other foreclosure programs. 
I have been attempting to get that form back to her, but I am struggling to get through to my state unemployment office. Without their help, I am locked out of their online system ( due to an attempted fraudulent claim in my name ) and can not get income verification. I have a ticket number of XXXX and they are currently on ticket XXXX as of this morning. I emailed the supervisor at XXXX to inform her of this on XX/XX/XXXX, but I have not heard back. We also received letters informing us that they have begun foreclosure today. 

We feel that had the supervisor not delayed in responding to us, and not denied our forbearance request ( this occurred prior to the dates on the foreclosure letters ) we could have a chance to save our home. It was also our understanding that if you had income losses due to COVID, you couldnt be denied the forbearance regardless of whether or not you were behind on payments prior to XX/XX/XXXX. I would think that initial unemployment claims in XXXX and XX/XX/XXXX would be obvious proof of that. 
The supervisor also claims we havent responded in 2 years. However we initially reached out in XX/XX/XXXX and also contacted XXXX to apply for a state XXXX in XXXX XXXX. 
All we want is what was supposed to be afforded to us via the CARES Act. Six month forbearance starting from our request date of XX/XX/XXXX and the Covid loan modification. The past 18 months have been extremely difficult for my family. Multiple hospitalizations and other health issues have compounded this. Being able to keep our home would ensure that we can actually recover rather than continue to fall backwards. Any help you can offer would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
my information has been comprimoised and used to open several fraudulent 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 2020-12-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands

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 2023-01-23
Company: Experian Information Solutions Inc.
State: NJ
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2018-04-14
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I leased a XXXX XXXX XXXX. This is our XXXX XXXX in the last 9 years. For the first time I was getting close to the miles. Visited XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX trying to get a solution becuase didnt want to go over the miles. None of them advicsd me that it would be better to pay the extra miles than getting a new car at the moment. None of them were able to work deal that made financial sense to me. At the end I decided to return the car and pay the XXXX remaining of the lease. At the time I received the first bill XX/XX/XXXX I contacted Hyundai Motor Financial and told asked them to wave the XXXX early termination fee so I can pay the difference Since a new need for a Hybrid came up I wanted to stay with the branch and with the Ioniq I can get a tax credit. At that time the ioniq wasnt available, I made an initial payment of XXXX to my account. The representative told me he will extend the due date until XX/XX/XXXX until the car became available. XX/XX/XXXX was here and the car I wanted wasnt available, At the moment paid another XXXX requested the fee to be refunded and was declined again. Asked the representative if paying after XX/XX/XXXX will affect my credit her asnwer was that everything stay in house and an internal recovery department will contact me. 
In XX/XX/XXXX I received a call from XXXX a collection agency asking me all my information. I wasn't comfortable answering and the agent told me they will send a letter. That letter came in a week letter and than in XX/XX/XXXX the agent call me again. When he was asking my verification questions he told me he cant talk to me because my date of birth didn't match his records he had XX/XX/XXXX and my DOB is XX/XX/XXXX he promise a call when fixed. On XX/XX/XXXX he calls me back telling me they corrected the information and we can now talk. I told him that I will pay the invoice completely because I didn't want to affect my perfect payment history I have built for the last 12 years. He told me is to late because in XX/XX/XXXX I was reported to the credit bureaus with a delinquent account. I wasn't happy XX/XX/XXXX was the day he couldn't verify me over the phone because of their mistake. I told him I will pay when they remove that negative mark from my credit. He talked to his supervisor and told me they will do and exception and email Hyundai to get that off my credit in exchange I have to pay in full. 
It is now XX/XX/XXXX and I haven't receive a call back, the mark still in my records, I called then 3 times and are always with a high call volume. I emailed Hyundai Motor Finance and they directed me to recovery who directed me to that XXXX number. 
This is not the first time HMF damaged us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card had compromised several times and was overdrafted and I was charged with overdraft fees and they would not take them off

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 2020-12-16
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 fraud alerts or security freezes

Complaint:
I am requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I would like to request a security freeze placed on my report and request a PIN Code. I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.

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 2019-01-28
Company: WINN LAW GROUP, APC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received a XXXX credit card in XX/XX/XXXX. I was married and in XXXX  when the card was received. I went through a divorce in XX/XX/XXXX. I was notified XX/XX/XXXX that I owed {$3600.00} from a collection agency called Winn Law Group located in XXXX, XXXX. XXXX. I asked for documentation because I thought it had been paid off through the divorce. I have never received anything from this so called company. Now, seven years later, my bank account was levied {$74.00} on XX/XX/XXXX. I spoke with XXXX from the collection agency and she had little to no information. I have lived in XXXX  for three years now and apparently the agency has been supposedly sending paperwork to an address in XXXX, where I never received mail but owed and sold. I have committed time and effort into this and I can not find any supporting documentation for this. Also, they took money out of an account in a different last name than mine. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I wrote 2 letters to all 3 major credit bureaus to remove all extended fraud alerts and regular fraud laerts and the companies still have not removed the alerts. I sent the letters in XX/XX/2021 and XX/XX/2021.

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 2020-12-16
Company: Experian Information Solutions Inc.
State: IA
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 took out a debt consolidation loan through XXXX XXXX XXXX XXXX in XX/XX/2020. It was the credit unions responsibility with our loan to pay the amount of all of the debts as per stated on our contracts. XXXX XXXX  paid all of the loans or so we thought. A few months went past and I received an email in XXXX from XXXX stating I was 60 days past due and it dropped my credit score 63 points. I called XXXX and they confirmed the XXXX XXXX paid most but not all of the balance. They paid all but {$69.00} causing late fees and delinquency. I was unaware of any amount left due to the fact community choice was suppose to make the full payment. I IMMEDIANTLY paid the left over balance and tried to dispute the 2 late payments on my credit report and they refuse to remove the late payments even though I provided evidence that it was the credit unions responsibility to pay the full pay off amount. I called both Experian and XXXX and they both said they can not do anything. I do not think I should have to be penalized for believing all of my accounts where to XXXX  as they were suppose to be.

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 2021-05-11
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. They are not even giving me any idea on what is happening. They just say we are shutting your account down. I am not sure if this is some mistake as I assume it has to be I have followed all rules and regulations. I have been using Paypal for years with no issues and now I have not been able to get help from them. I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. The large to me amount of money in my account is used for me to live on a daily bases and this is crippling me and my family 's well being. If Paypal wants to not let me use there platform any more that is there choice but they will not let me get my money out at this time. 

My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: WELLS FARGO & COMPANY
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:
I entered into a payment agreement with Wells Fargo XXXX XXXX account. I requested that they stop reporting my payment status as a charge off. They refused to do so. I disputed with the credit bureaus and all the investigation did was report the new balance but the payment status was never updated to paying as agreed. I have since then paid off the settlement and they continue to report a balance and monthly charge off status which violates my rights to completely accurate reporting.

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 2019-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in the receipt of Bank of America Home Loan Regulatory complaints team letter dated XX/XX/2019 for complaint # XXXX that they didn't respond to online. I have an issue with them stating that they sent me correspondence on XX/XX/2019 even though I didn't receive anything from Bank of America until XX/XX/2019 in which I spoke to XXXX XXXX and he sent me an email so that I could send him all documents so that the bank actually process the paperwork since they didn't do it the first time when it was submitted in XX/XX/XXXX. I emailed him all the requested items on XX/XX/XXXX and Mr. XXXX requested even more stuff on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX all answered and sent as many times as requested. I was told the bank had all the paperwork it needed and was sent to the underwriter last week but still was asked for more documents on XX/XX/XXXX and I sent them right away. Bank of America is not treating me fairly or honestly with dealing with this loan. It will be time to sell this house on XX/XX/XXXX and they will still be asking for documents. If I don't qualify for modification then a short sale or other option should be made available and they need to approve a short sale amount. Bank of America is not dealing fairing with me due to the discharge of bankruptcy and the fact that this loan is FHA and insured by HUD so they don't lose as much as I will if we get put out. We will be homeless and the bank will have its cash flow. I want the bank to deal with me fairly and start responding to my request for help and stop saying I haven't sent in paperwork. I have given them everything they could need to do what they need to do and respond fairly.

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 2020-12-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX XXXX XXXX XXXX I am doing this on my own behalf and really need someone to help me with this.

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