BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-27
Company: SOUTHEAST MORTGAGE OF GA INC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Monday, XXXX XXXX. SouthEast Mortgage called me and explained that my loan ( that they previously said was fully approved last week on Thursday XXXX XXXX is not denied " unless '' I pay {$7000.00} or {$10000.00} in 48 Hours ( Closing Date was Wednesday XXXX XXXX ) And asked which option ( before the end of the day ) would work better for me? 

I applied for the Georgia Dream loan and was working with the team for 4-5 months  and each step of the way they were making me aware of what needed to be taken care of and " fixed '' yet 48hours before the closing and keys were handed to me and my family, now all of a sudden my " tax issue '' that currently has a monthly payment installment agreement in place, in now causing my entire loan to be denied. 

He also instantly required me to pay off all my tax debt before 2017 for All Years. He also informs me that my GA Dream file was submitting to 2nd set of underwriting last week around Thursday XX/XX/XXXX. From my personal expert team, they made me aware it normally takes 10 days to clear. Once I ask the SouthEast Mortgage official for a document to show the denial letter/information, and call him again, he explains that GA Dream is now Not Possible No Matter What. Even after several attempts for the official denial letter, nothing was produced. 

The mortgage is off the table, my earnest money is lost, my apprasial fee is lost, my home inspection fee is lost, and my 4-5 months of patience and persistent has been wasted. 

We spoke to Georgia Dream agent and she explained there is a simple document that I need to clear this condition, it's a lien right documents that changes the order of rights away from IRS in primary position. XXXX did not even discuss this with me at all and just proceeded to let me know that I am " denied '' with no options. Last week he explained to me that I was " approved '' and congrats but Monday he explains my file was not submitted to GA Dream underwriters until around XXXX XXXX. 

I was told I was approved, then it was just taken away from my family and I. 
I have attached the only " denial '' they sent us.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I received an email from Wells Fargo on XX/XX/XXXX, stating they were closing my account on XX/XX/XXXX, in the email they stated. They would pay any checks drawn on my account, even if I didnt have funds to cover it. And any negative balance I would have to pay Wells Fargo back. They returned XXXX checked previously written for my rent and deposit. Which is going to make me have to move, in which I dont have the funds for. They chose to close my account for a check I deposited, and they didnt even wait to see if the check would clear first. They are not following what they said they would do. And they are now giving me a different reason why the checks were not paid.

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: TrueAccord Corp.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
Greetings, I have collection agencies that I am not familiar with, contacting me demanding payment that I do not believe is accurate. I am writing you to make you aware of the dispute I have filed with them. I have attached it to have confirmation of proof. Please notate this matter as I may need to circle back around. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX has re aged this Capital One account. The account was opened in XX/XX/XXXX-XX/XX/XXXX yet they are reporting that it was opened XX/XX/XXXX. In addition they have not sent any information regarding this account and nor have they given me the opportunity to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Student loans were on a long pause since COVID with the intention to resume payments for everyone on the " federal pause '' by the end of XXXX. This information was received by an email directly from the Department of Education. 

As of today, I have noticed in my spam box that " NELNET '' has a past due amount for me. 

I have NO ASSOCIATION WITH NELNET, Never gave permission for them to have my loans. 

I have been scammed. I need accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had persistent problems with this card and them changing the charges and re-billing it. The Account was under a zero finance promotion until XXXX. On XXXX of XXXX I went online to check my XXXX XXXX account, ( Genisis Credit card company ). The account was blocked and showed a XXXX balance. I didn't receive anymore statements from them until XXXX of XXXX. They deliberately block my account to make it look like I missed a payment. after calling and asking why they we're refilling the finance charges and why they wanted me to pay a minus payment of XXXX I couldn't get an answer. The one person I spoke with along with My son being on the phone, was the same person that stopped my statements before. She threatened to report my account to the credit bureau because she didn't like what we we're saying to her. So I've been reported as being late on a payment that showed a XXXX balance in XXXX of XXXX Now they are requesting a XXXX minimum payment on a {$1900.00} interest fee ( which Im still under the interest free until XXXX ), with a {$41.00} late fee. This has cause several problems with my credit. My minimum payments were less than the {$190.00} a month I was paying. If I could pay more I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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: Information belongs to someone else

Complaint:
I have spoken with experian and XXXX XXXX a few times for some reason they have 7 XXXX XXXX has one my addresses i never lived there. They both said would be removed from my credit report countless times but neither has done so. I do not live there. I do not get mail there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Nelnet, Inc.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried to contact Nelnet multiple times over the past month about payments and my loan repayment application. I have not received any information from them via mail or email. But I did get mail from a fraud claiming to be apart of the Nelnet and the XXXX. I went through the process because it was the only form of communication I had about the loans and it turned out to be a scam. The scammers are using nelnet lack of communication and customer service to get peoples personal information by pretending to work for the loan company. I still have not been able to talk to anyone at nelnet about this and to make sure that my student loan account is secure since the scammers may have access to it now. I was about to file reports and freeze credit lines but have not been able to get anything done about my account with nelnet. I can't do anything online, through the chat box, through email, or over the phone. There seems to be no one available. Every step I took ended with " contact us '' for further assistance, which led to the same phone number and email address. I have been on hold for several hours just today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: TX
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:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX  court as the furnisher that's forgery and misleading when the courts don't report this type of account. I did not give written consent to report this account. XXXX XXXX XXXX XXXX,. This account is also showing a past due/late payment which also violates my rights. Send proof that this account belongs to me and that the courts gave you permission to report this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: WELLS FARGO & COMPANY
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX claims Wells Fargo account ending XXXX was closed and balance in the amount of {$190.00} waved. Previously, XXXX XXXX XXXX advised Wellls Fargo would reach out in re, no one from Wells Fargo reached out, has not indicated balance waved. As stated prior, the account ending in XXXX was opened by Wells Fargo reps which I did not authorize, a debit card purchase in the amount {$290.00} was made from XXXX, purchase was never received, item was shipped via XXXX with a forged signature, signed as XXXX, in which case, I never sign my name like this. Wells Fargo accepts forged signature as true and correct, despite forgery. XXXX XXXX XXXX claims Wells Fargo waved balance, however, I have no verification of such or refund of difference in amount of {$100.00}.

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 2023-12-20
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX ally auto purchased a contract of the amount of {$16.00} at the interest rate of XXXX. XXXX XXXX did not disclose the correct buy rate which was offered. They changed around paperwork after. I agreed to buy XXXX XXXX XXXXXXXX at {$13000.00} Financed with ally auto. XXXX crammed products to have ally purchase XXXX  collected a cash value, in this transaction slammed rates and is in violation of USC code 1662 B. The finance manager failed to disclose attempts to force products in illegal activity. This contrat Interest with ALLY  should be nullified. This mistake is going to harm the original interest amount agreed upon by the dealer. This is my consumer report and I have to report inaccuracies in the balance from ally auto. 

XXXX XXXX added these charges to me {$3000.00} XXXX  XXXX key warranty XXXX XXXX XXXX XXXX. Ally Financial does not have the copy of lean, copy of registration, copy of title. When I called to confront I was ignored. It was not disclosed this amount to be financed as {$16000.00} at 21.49 XXXX 

Ally Finance does not know the terms of the contract. the correct balance should be XXXX after dealership theft.

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 2023-12-20
Company: Experian Information Solutions Inc.
Product: Credit reporting 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:
I have been informed that a hard credit inquiry was done by XXXX XXXX on XX/XX/2023. I did not do this or did not apply for credit or anything. I am afraid of an identity theft issue or some kind of 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 2023-07-29
Company: Experian Information Solutions Inc.
State: TX
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:
I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified.As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : 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 I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Aspen Yo LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
original complaint : XXXX Company lied in there response and is still ignoring me. My insurance just defaulted again this year XX/XX/2023 for non payment. 

I am being forced to pay the late fees. 

They are using the bankryptcy excuse to ignore me. 

I will have the home insurance company be the first to testify about this issue. So the mortgage company can keep lying as long as its to a judge i dont mind anymore/ I now have two home insurance defaults due to the mortgage company not paying at all or on time.

I am being forced to pay all the late fees and the home insurance twice out of pocket so my insurance isnt turned off.

i have all copies of the defaulted documents and all phone calls are recorded with the home insurance company. 

XXXX XXXX LIED IN EVERY RESPONSE. 

original complaint : XXXX STILL STANDS. THEY IGNORED THIS WITH EXUSES AND LIES WHICJ I CAN NOW PROVE IN A COURT ROOM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, 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 am a victim of identity Theft. I have accounts opened under my name fraudulently : 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  Please review and remove these fradulent accounts. 

Thank You!

Company response to consumer: In progress
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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. 
Agency : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy. 
* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent. 
* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent. 
* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights. 
* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
The home was foreclosed on. It's been a decade or more I don't remember exact dates but I am sure they are part of the XXXX XXXX record and I have the letter from Wells Fargo which I just received which provides the account number. 

I see in litigation records that the average reward for this type of situation was around {$24000.00} and they send me {$200.00}.

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 2022-12-26
Company: EQUIFAX, INC.
State: PA
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation