BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had file an application for a first-time home buyer with Wells Fargo bank online. I had spoke with a lender and he said that a local branch would be able to help me more because of the down payment assistance and more options. So I contacted XXXX XXXX by email and told her what the other lender told me and if she could look into my application. On Tuesday, XX/XX/2019, she responded and said Sure, and asked for my phone number. I replied with my phone number, and then she called me. She asked me how she could help. I told her that I filled out an application and what the lender said. She said she would be able to help me. So then she asked me how much did I have saved. I told her that I have {$500.00} saved right now. Her tone had changed and then she was rude and condescending. She told me to ask my mother, or my brother or someone in my family to help with {$7000.00} or {$8000.00}. She said for me to call her when I had {$7000.00} or {$8000.00} and then call her back. She didn't discuss with the information on the application I had. She didn't ask me how much was the house I was interested in. I am XXXX, so my only income was Social Security and XXXX XXXX voucher. I think she felt I didn't have enough money, I felt discriminated.

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 2018-05-13
Company: EQUIFAX, INC.
State: CT
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 ( mortgage servicer ) is falsely listing me as a debtor on a mortgage, however I was never on the mortgage. I believe this is illegal activity on the part of the XXXX mortgage service company as part of the subprime lending crisis. My name was on the Warranty Deed only, never on the mortgage. XXXX has fraudulently reported to credit agencies that I am in default even though the debt/mortgage is not and has never been in my name. 

My credit rating has been severely and negatively impacted as a result of XXXX 's falsification, which is a very serious matter. My credit rating was previously Very Good-Excellent before XXXX 's false report. 

The service company name and address : XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX tel : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing with Credence Resource Management against this inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I have no knowledge of an account with them and sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/XXXX, it shows that Credence Resource Management collection agency owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/XXXX, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts. I had placed a fraud alert on my profile as I believe someone is using my information. 103 Claims true identity fraud/account fraudulently opened. 040 Account involved in litigation. Please remove these accounts from my credit profile. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have notified Equifax several times that I am a victim of identity theft and several accounts were opened in my name. I have given them the documents that they requested, yet they are still reporting Dept of ED/XXXX {$950.00} and XXXX XXXX {$630.00}. These are FRAUD accounts. I have requested in the past & requesting again that these accounts be deleted and blocked from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
last week XX/XX/XXXX I got in contact with Westlake Financial Services www.westlakefinancial.com, in order to negotiate the deferment of postponement of my 2 loan that I have with them 1 ) XXXX XXXX XXXX loan was approved for around XXXX in XXXX of XXXX. 
2 ) XXXX XXXX XXXX : Loan was approved from XXXX in XXXX of XXXX. 
I spoke with one of the agents and explained that due to the severe impact of Covid-19 in our family financials we were not in the position of paying the car loans, I asked for a postponement of deferments of the payments and he said he wasn't authorized to do such request, I asked to speak with a supervisor and he refuses to transfer the call saying that the supervisor was supposed to say the same thing because they don't have a program to help anybody with financial issues. I asked to have a supervisor to reach me out otherwise I will report this to the authorities. 
I called today XX/XX/XXXX to see if anybody was available to deal with my request and obtained pretty much the same answer, I hope someone can help me to defer those payments ( I'm not asking to forgive that money ) in this difficult situation. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Caliber Home Loans, 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: Account information incorrect

Complaint:
XXXX XXXX Loans incorrectly reported 30 days late for our XX/XX/XXXX mortgage payment. We disputed the error both directly with Caliber as well as with XXXX. On XX/XX/XXXX at XXXX XXXX, we received a message from a Caliber representative stating that the 30 days late was corrected and that our credit reports would be corrected in ~ 1 week. We have the recorded message. To this day, our credit reports have not been updated to reflect the 30 days late correction and we have received zero written correspondence from Caliber regarding the correction. We 've talked many, many times with several Caliber representatives about getting our credit reports updated and each time, receiving no information or wrong information. We talked with a representative on XX/XX/XXXX and was told that the corrected account information would download to the Credit Bureau 's on that day and for whatever reason, this did n't happened. When we called on the XXXX of XXXX to follow up, we we 're told the Credit would n't be updated until XXXX of XXXX. This is totally unacceptable and we need help resolving the issue. This has cost us a higher interest rate for the purchase of a 2nd property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an offer for a credit card from Discover by mail the last week of XX/XX/2019. It stated I was pre approved for 18 % -21 % apr on a Discover It card. I applied and was denied, they then told me I could accept a different card at 26 % apr. They then hit me with a hard inquiry for turning their TERRIBLE offer down. The interest percentage is WAY HIGHER than what I was lead to believe regardless of rates. I've never had a card with an interest rate that high. This is a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a Target REDCard with a small balance. I tried to set up automatic payments in XXXX, like I do for all of my bills. I thought I had done so. I never received a notice or bill until XX/XX/XXXX when target advised me I was very late on my payment and late fees were due. 

I have tried unsuccessfully to make an automatic payment of the balance due. Target simply responds to me that there is nothing it can do, and that I must pay the substantial late charges I have returned all of the items purchased from Target. I have sought technical assistance and still can not set up automatic payments online. The website is not easy to use in this regard. It will display all of the checking account information I insert to authorize automatic payments, but it is difficult or impossible from that point to do anything else. Apparently, even though i did all of that, no payment from my account was actually made. I have contacted target multiple times by phone, but no one to whom I have spoken either can or will do anything at all to assist me. 

This is simply unfair and must be illegal conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Professional Finance Company, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have literally been trying to get this bill corrected for months now. XXXX XXXX XXXX  used the wrong codes to bill me for STANDARD XXXX XXXX  that is always covered under insurance. They coded it as " experimental '' which resulted in me getting a bill for the full price of the test. I called XXXX, they passed the blame to my doctor, I called my doctor, they said it's on XXXX. I told them repeatedly that I'm willing to pay whatever small amount I owe after the insurance covers their part, that's why I have insurance, yet I couldn't get any help. After months of calling, expecting calls back, not getting any answers, they put this on my credit report without properly notifying me. I didn't get any calls or letters from XXXX about this balance getting transferred to a collection agency. They billed me wrong, refused to help me, didn't properly notify me, and now they're damaging my credit. For your reference, the account was opened on XX/XX/2019, in the amount of {$160.00}. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
We received an email notification from XXXX XXXX notifying us that our USAA / XXXX XXXX account Was ypted on our credit report XXXX  and XXXX was noted Past Due! We immediately check the credit report and it was noted the the XX/XX/2020 was 30-59 days late for the amount of {$1300.00} .... we immediately called USAA/ XXXX and inquired as to why they reported the last payment received was on XX/XX/2020 ... We were told that we were never late ever and that I even reiterated a payment that was by their doing was incorrectly posted to reflect just a " principal payment! '' I was assured it would be handle quicker than the 30 day time, ( 12 days ) and that I would receive an email confirmation for my records of the error in posting within 15 minutes of speaking to customer service ... no email receive, it's been 24 hours ... The contact information is : USAA/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX USA ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter shall sever as the formal and last notice of my intention to file suit against your organization. You are currently reporting two accounts to my credit file in the amounts listed above. This account is a direct result of the 2017 Equifax Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked my name, birth date, address, phone number, social and driver 's license number was compromised and used to open several accounts without my permission, this account is one of them. I requested a full debt validation from your company, I have yet to receive any contact back. Legally you had 30 days to send me the following information listed below ; you have not done so. Please remove this information from my credit file as soon as possible.

I have moved forward with filing a report with the FTC and the CFPB. In four business days I will be filing suit against your company. My lawyer has advised, if this information is not removed from my credit file within four business days I will move forward with the last step to secure documentation and complete legal filing against your company for directly violating the Fair Credit Reporting Act by continuing to report this false and inaccurate information to my credit file. At that time, I will seek for punitive damages, cost for attorneys fees, court cost, as well as compensation for ongoing emotional distress, anxiety, and harassment due to this security breach. Equifax was negligent in allowing my personal information to be compromised, however your company will be held just as responsible for continuing to report this false information to my credit file. I have filed a claim against Equifax, I am waiting on the results of this claim. You may search the following in a browser. XXXX XXXX   XXXX XXXX has failed to provide me with proper debt validation for the following incorrect accounts that they have listed on my credit file. 

1. XXXX {$260.00} 2.XXXX XXXX XXXX XXXX 3.XXXX  ( XXXX ) {$300.00} 4.XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: EQUIFAX, 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:
I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX XXXX XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No:XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX : Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX, XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: WELLS FARGO & COMPANY
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: Reporting company used your report improperly

Complaint:
On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company XXXX XXXX '. I was willing and ready to use my XXXX  XXXX auto loan without hesitation. My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a 'Fraud Alert ' on my XXXX which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions. I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders. I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan. *I tried to upload my XXXX XXXX Auto Navigator approved loan but since I purchased the car, I no longer have access to such document*

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20
Company: ENCORE CAPITAL GROUP INC.
State: MA
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 was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: CORELOGIC INC
State: WI
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:
We applied for a lease for an apartment in XXXX XXXX, WI at XXXX XXXX. They use CoreLogic real estate credit reporting. According to CoreLogic two XXXX County court actions, both settled immediately to the satisfaction of XXXX XXXX  in XXXX, WI, have not been expunged even though all rent and fees were paid and we received our security deposit back. This is preventing us from securing a new lease. 

I contact CoreLogic the end of XXXX 2017 and requested my credit report. They said it would take two weeks. I waited two weeks and called back when I did not receive my report. They had my SSN wrong and my address wrong and said the report was returned to them by the USPS. I requested the report again and was told to wait another two weeks which I did. I still have not received the credit report CoreLogic used to deny us housing.

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