BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XXXX of this year, I have been working with Wells Fargo to sign a split-sign loan modification for the COVID relief fund. There have been numerous delays and incorrect documents sent to me. I have called them at least a dozen times for updates on this loan and they were never able to give me an answer. I have sent in the forms 3 times, only to have them destroyed and blanks sent back to me saying what I need to fill in, without mentioning what was missing previously. 

The last time I sent in my signed and notorized documents, I called Wells Fargo and had a Home Preservation specialist walk me through all documents and confirm that I had all forms necessary before I sent them in. That was 3 weeks ago. Today XX/XX/21 I received blank copies again stating the same requirements, again, missing the comments as to what was missing previously. 

The home preservation department and who ever is receiving these documents are obvious

ly 2 separate entities because no one has any idea what is going on with the other. This is the second complaint filed for this purpose, their executive
contact reached out to me and did make an effort to remedy this but as of today, I see no positive results what so ever of that attempt. I have only received calls from my home preservation specialists 3 times, leaving a message, but never being available when I called back. I have never spoken to my assigned home preservation specialist, who has recently changed names. 

I need someone, in person, to walk me through what is needed. I also want to be sure I am being protected against foreclosure because of this horribly managed process that will now take several weeks longer to address. 1 party that needs to be present is in the military ( contractor ) and is often overseas and is limited to what mail he can receive. 

This is an absolute mess. I have never dealt with worse communication regarding someone's basic right to have a roof over their head. I would appreciate much greater attention to this matter this time around rather than just forwarding it to my bank like the last time this complaint was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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: 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 1681. 


Account name : XXXX XXXX Account NumberXXXX Account name : XXXX  Account NumberXXXX Account name : XXXX  Account NumberXXXX has violated my rights. Or list of inquiries 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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have paid for my credit report expecting to get my credit score because i am trying to buy a Home. please put my credit score up ASAP. this is slowing down my process on getting a home. i have to be out of the place that i am staying in mid next month. i need this ASAP

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 2021-03-26
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance in early XXXX. I submitted all relevant docs, signed disclosures, and locked in a rate. The company was bought out in XXXX. I was told that I had to start the process over and has to resubmit docs. I was also told my rate would not change. Since then there had been little communication. A few weeks ago I was told my loan was going to underwriting and it would take a few days. I email daily for updates with minimal response. I still have no close date. I was also told that my loan was being handed over to another department for next steps. The loan officer could not tell me the name of the person who was taking over my loan. I dont know whos in charge of my loan or where I am in the process. I am unable to spend my money in my back account and this has been holding up various projects as well as a car lease that I need to pay off. I have lost all confidence in my mortgage team. I am also increasingly concerned that after all time someone has lost my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an unverified Fraudulent account from the following company : XXXX XXXX XXXX # XXXXon my credit report. I have already filed a complaint with the FTC and CFPB. I was told that I needed a Police Report as well.

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 2020-09-16
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: Information belongs to someone else

Complaint:
I have an unverified Fraudulent account from the following company : XXXX XXXX XXXX # XXXX****on my credit report. I have already filed a complaint with the FTC and CFPB. I was told that I needed a Police Report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2022 to Experian. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? 
How did they complete this investigation?

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 2021-09-23
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
An individual from XXXX used PayPal to purchase a rare vintage shirt from me for {$1800.00}. Upon receiving the item, he filed a complaint and asked to return the shirt. Instead of shipping the item I sent, he returned a cheaper counterfeit shirt that was essentially worthless. I made the issue known with PayPal and they assured me I would be taken care of. After filing my complaint and submitting photos of the item I received, PayPal required me to file a police report or they would automatically deny my complaint without looking at it. After speaking with my local police department, they informed me that police dont get involved with postal disputes and that I would need to speak with the Postal Service . Another issue is that the item was shipped to an address in Connecticut and then returned from XXXX, incurring import taxes that Im forced to deal with. PayPal saw no issue with this absolutely unbelievable, its basically inviting limitless amounts of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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:
There is 3 fraudulent and unauthorized checking accounts listed on my Chex Systems Consumer ID Report : XXXX, The following Reported Information of account abuse or bad checking accounts are not my accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. I never opened a checking account with those banks. The checking account are fraudulent, unauthorized and not my accounts. I am a victim of identity and Chex Systems currently has a police report on file.

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 2018-12-12
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:
I DISPUTED A BANKRUPTCY LISTED ON MY CREDIT REPORT.I RECIEVED A RESPONSE BACK FROM EQUIFAX STATING THAT THE LISTING WAS VERIFIED BY THE BANKRUPTCY COURT. I CONTACTED THE COURT AND SPOKE WITH THE COURT CLERK, AND HE INFORMED ME THAT THE COURT DOES NOT VERIFY INFORMATION FOR CREDIT BUREAUS NOR DO THEY ENLIST ANY THIRD PARTY ENTITY TO VERIFY INFORMATION ON THIER BEHALF. I HAVE A LETTER FROM THE COURT STATING SUCH .EQUIFAX HAS YET TO SUPPLY ANY EVIDENCE OF VERIFICATION. EQUIFAX IS IN VIOLATION OF NUMEROUS SECTIONS OF THE FAIR CREDIT REPORTING ACT .THE LISTED BANKRUPTCY ( XXXX ) IS THE ITEM IN QUESTION AND MUST BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Statebridge Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX sold my mortgage to Statebridge. I had a financial hardship and got behind, making payments by money order, and tried to work with XXXX over the phone to get caught up. When I called Statebridge on 3 occasions, the rep would not take my payment, citing either lack of information about previous verbal agreements I had made, or the need to talk to a supervisor and get back to me. Each time, I would wait two days and then call, and always I was told supervisor was reviewing. I said I was just going to make a payment over the phone, but was told it would not be applied to catch me up. I should have contacted a lawyer at this point. 
The last time I made a verbal agreement to catch up on payments, I asked for an email or written mailed account of the agreement, and did not receive it. But again when I called I was told no agreement was in place. I then received a foreclosure notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Portfolio recovery was disputed a month and a half ago and was deleted from my credit report, now they are back on there is was found that it did not belong to me. There was no notice to me that it was going back on there

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today XX/XX/XXXX XXXX XXXX location services called my parents house. They are calling on behalf of Barclays cars who has my information but they did not call me. They are reaching out to family that I do not live with. They harassing my family and harassing me. They are giving out my information. Phone number is XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: EQUIFAX, 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:
XXXX  Credit report agency reporting incorrect account and refusing to remove it from my credit report. They say this negative report will stay for 7 years. 
Account is not mine, I don't have to pay for it. XXXX  refusing to resolve it and start blocking my dispute request ( computer states that I can not longer to dispute ). 
XXXX  investigates 3 times and they saying account is correct they will not remove the charge. 

CFPB also investigated this company reporting incorrect account - complaint with your agency number XXXX. Please investigate XXXX  for reporting incorrect activity on my credit report. Please provide all documentation that XXXX  received from agency which they think is enough to state that account is mine. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: MN
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:
I have 2 XXXX XXXX XXXX  accounts listed on my Equifax credit report. Thats inaccurate information listed on my credit report. I only have 1 account with XXXX XXXX XXXX, not 2 accounts, and I have a {$0.00} balance. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX/XXXX, XX/XX/2020, I have never had a missed payment with XXXX XXXX XXXX. All of my payments has been on time with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed a 609 letter and made several calls to the credit bureaus about the fraud that was committed on 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 explanation
Consumer complaint received 2019-11-11
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I obtained the student loans with AES back in XXXX and started repaying them in XXXX. Since then I have been making payments monthly, and when I look on my statement it states that I have paid back almost double the amount that I originally owed, but in addition to that, I still owe almost another two times that amount left to pay. No matter how much I pay, it never affects the principal but it also seems to keep making the interest go higher and higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reviewed my credit report and saw that there was a collections on my report from LVNV Funding LLC, with the original debt from XXXX  XXXX. This credit card was open by a fraudulent person and was not opened by me. My mail box was broken into and my mail was stolen numerous times. I do not have a XXXX  XXXX Card and I have never had a XXXX  XXXX Card. I have contacted the collections agency and they have not done anything to rectify the situation. This is not my debt and I would like this collections removed from all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions 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  - This account is involved in litigation. This account is being disputed for the reason previously stated.

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 2019-06-06
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:
I have contacted Equifax and XXXX  in reference to accounts : Dept of Ed/XXXX   XXXX ; Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX  XXXX ; Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX XXXX. I contested the accuracy of the furnisher 's reporting of the payment history which both companies responded to my dispute that the accounts were being accurately reported. How are these accounts being " accurately reported '' when they have the payment status for XXXX listed as " OK '' but the following month XXXX is listed as 90 Days late. How can they report a 90 day late payment status without first reporting 30 and 60 day late payments. These erroneous accounts should immediately be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The XXXX XXXX - This account is involved in litigation. This account is being disputed for the reason previously stated.

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