BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX I fully expect Wells Fargo to issue their standard Sorry but you are lying response. That is the response we receive on every CFPB complaint we file against Wells Fargo. Well, I have read many other CFPB complaints against Wells Fargo and they all have a common theme FRAUD AND ABUSE. I am sure those complainants also receive the Sorry but you are lying response. That seems to be their standard form letter in response to CFPB Complaints. How could it be possible that all of these unrelated people from all over the country would be lying?? The fraud committed by Wells Fargo does not just happen once in a while. It happens on a very large percentage of short sales across the country. We have witnessed this on a daily basis for the last 10 years. When is the CFPB going to step in and do something about the fraud going on at Wells Fargo? When is the CFPB going to hold Wells Fargo accountable? IF I DID WHAT THEY ARE DOING I WOULD BE IN JAIL FOR A LONG LONG TIME! ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 


There are Debt Validation issues with this loan. Instead of addressing these concerns, and providing an itemized statement of account, Wells Fargo is running to f/c on an elderly woman. The homeowner has opened up complaints to address those issues, but Wells Fargo has pushed response date for these complaints out past her foreclosure date in order that they dont have to give her a response before pushing her out of the property. This has happened multiple times. 

Wells Fargo claims they have not received monies since XXXX. However there was a XXXX in XXXX in which Wells Fargo was paid each month out of those XXXX XXXX payments. What happened with the dispersal of those funds? 

We are asking that Wells Fargo not foreclose on this elderly person until her concerns are addressed. The questions and concerns she has are straightforward and fairly simple. Most recently, Wells Fargo has delayed responding for over 90 days. Why is WF intent on not responding until after the property is foreclosed on? Is something being hidden from her?

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 2019-09-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've contacted XXXX XXXX numerous times before they sold this account to portfolio recovery. I also disputed through portfolio recovery and they broke fair Debt collections act by not getting me the correct information in a timely manner. The last time I disputed was XX/XX/13 ... I just received statements on XX/XX/XXXX. They said my dispute is not valid because I didn't send them the correct information. I don't have to send them information because they're the ones that are supposed to verify the debt. I've enclosed copies of letters and stuff that show that they did not comply to the fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I could not view the attachment that LVNV Attached. Please reattach it so I can see if this was handled correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX

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 2022-02-04
Company: EQUIFAX, INC.
State: MI
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 letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: CL Holdings LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX Closed : XX/XX/XXXX - {$820.00} Closed Overview You 're currently using 118 % of your account 's limit. Balance {$820.00} Credit limit {$700.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 4 yrs, 11 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Amount past due {$820.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Charged off as bad debt Account closed by consumer Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. WHEN I CONTACTED XXXX XXXX THE REPRESENTATIVE TOLD ME TO REPORT IT TO THE AGENCY BEFORE IT WOULD BE REMOVED FROM MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have sent out numerous letters to the credit bureaus, XXXX, XXXX and TransUnion in regards to an account that is listed on my credit report. I simply requested for them to perform an investigation to confirm the validity of this account. The account in question is also being reported inaccurately with all XXXX bureaus. Each of them are stating different information on the date last reported as well as in the payment history. After months of sending them letters they have only sent me back a generic letter or so stating the account was verified as accurate. This is simply not true. I have attached reports from all XXXX bureaus that I pulled yesterday proving that they are lying. How can they all have different information and the account be proven accurate? It can not. Not only that, but I never even received the required notice of dispute in the mail and from what I understand is a violation of my rights under the FCRA if I do not receive this letter once a dispute is entered. Letters were sent out XXXX, XXXX, XXXX and XXXX respectively. I have also attached copies of these letters for your records. I do not believe any formal investigation was done because the errors on my report are clear as day. This has been a total nightmare and financial burden for me. I would like to have resolve on this matter ASAP. Thank you.

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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I DEMAND these XXXX accounts to be REMOVED/DELETED from my credit report. These items are listed as charged off. Meaning the creditor has filed IRS Form 1099C, which is cancellation of debt form that changes the debt status to ordinary income. 

It is illegal to report income on credit report therefore the 15USC1681 ( e ) ( b ) is in violation XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX HAS PUT A COLLECTION ON MY CREDIT REPORTS THAT I PAID IN FULL PAID XXXX XXXX XXXX PAID THIS DEBT IN FULL TO XXXX XXXX. XXXX XXXX XXXX SAID IT WAS CHARGED OFF AND I DON'T KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL I AM NOT XXXX I KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL. I PAID THIS DEBT OUT OF MY HARD EARNED MONEY IN FULL HAVE TALKED TO A LAWYER AND THE POLICE THE THEY SAID THIS IS MOST LIKELY A SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: EQUIFAX, INC.
State: AL
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 personally mailed this letter to Equifax asking for proof of credit inquiries from XXXX, and XXXX and asked specifically for proof of these being accurate and they responded with a form letter in which they did not present any of the information requested. Their " investigation '' that inquiries are a statement of fact have no valid because they never showed proof of them. I have included a copy of the letter mailed to them as well as their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2019-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX XXXX : Initiated a {$1500.00} XXXX transfer from sender 's Bank of America ( BofA ) account to recipient 's XXXX account ( confirmation attached ) -Recipient received email shortly from XXXX stating funds would arrive momentarily ( attached ). 
-XX/XX/XXXX : Funds were processed and withdrawn from sender 's BofA account ( confirmation attached ),  Recipient claims to not have received the funds -XX/XX/XXXX : Sender opened a claim through BofA to track funds that never arrived to recipient 's intended account. 
-XX/XX/XXXX : Sender sent a test {$1.00} to recipient which was received instantly XXXX XXXX : BofA informed sender that claim had been resolved and closed with the resolution ( letter attached ) that  XXXX had found the funds were successfully to intended recipient 's account. This misinformation was provided by XXXX, but should have been confirmed by BofA. 
Sender and recipient have been several phone calls during this process to track the funds. Conference calls between XXXX, sender, and recipient have been made with no luck finding the funds in question. Sender has now re-opened the claim and request to be sent to an escalation department because of misinformation from both BofA and XXXX claiming the funds have been found. When calling XXXX claims department, no funds were found in the amount of {$1500.00}

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 2021-05-19
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to modify my mortgage on two various occasions once in XX/XX/2020 and the other in XX/XX/2020 the first time the service company came back with a higher amount than the payment I was paying! The second time they told me there was nothing they could do! I want to keep my home but I need a modification I can not pay {$1100.00} per month. The service company as advised me that to reinstate the mortgage I need to now pay {$11000.00} which includes all their fees etc. Please I need some help! Thank you! The service company is Fays servicer!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i receive a letter for XXXX XXXX for {$1000.00} from the collection agency which i dont owe them anything them are not my charges

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 2019-05-06
Company: Endpoint Resolution Services (ERS)
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Endpoint Resolutions at phone number XXXX has been calling my parents house, my ex husband, and now ex sister in law repeatedly leaving messages for me to call them regarding some payday loan which I have no knowledge of. I have no payday loans nor have I had payday loans in the past. I dont have all the dates of the phone calls but I know one was today, XX/XX/2019. The thing is they call everyone but me because I have no calls from them and theyve never mailed me documents either. I want the illegal and harassing phone calls to stop, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2018-01-05
Company: EQUIFAX, INC.
State: NM
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:
Equifax, XXXX and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove numerous fraudulent/unauthorized inquiries from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I recibe a compliant response from this new mortgage company and as with XXXX XXXX XXXX they are started to lie and not answer my complaint 1 amount they say I owed no prove no prove why they keep changing the amount their new amount is {$1500.00} they claimed I missed this payment 4 years ago!!! XX/XX/2015 at the time I was paying what the court say or they presented to the court remember everything was force by the court they have already add XXXX to my mortgage a house that was worth XXXX if you see the partem fraud all around as forced me to signed a so contract by the way a contract is done when 2 parties agreed into it but my low income and situation dose not aloud me and their called loan modification help only sink me more into their fraudulent now the house has gain some value they change to a new this shellpoint Mortgage Services and this people same or worse playing the same tune 2 they keep lying about a bankruptcy with a forge paper you can see how they add with a formal paper with a pen that says a lot about them and the third question was why they send me a papers for a loan modification what happens to the loan modification they supposed to know I was in before they got this loan why they do not know anything or have any papers from this loan break down

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation