BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Almost a year ago, while sleeping at XXXX XXXX, my family and I experienced a house fire. It began in the garage, behind drywall, within the electrical wiring. The structure was about 30 % fire damage and 100 % smoke damage. Luckily, my husband, son, and two dogs were safe. This experience really clues you in on how things really work and the corruption behind many businesses. You would think with home owners insurance a home would simply be rebuilt. Unfortunately, this is far from the case. Not to go into too much depth because I intend to address my complaint with Wells Fargo, the entire year has been spent in a slow process with contractors and receiving insurance money. The insurance company gives a depreciated value by approximately 60 % of what it costs to rebuild. Only when this is complete can one recoup the additional value. After the year long struggle, we have taken loans and maxed out credit cards to finish the home in order to receive the last check. Not once did Wells Fargo seek out their interests as I do have a loan with them. Not once did Wells Fargo check on this family as we have had a mortgage with them for approximately 12 years and in good standing. Our credit scores were over 800. We are very diligent in paying our bills. Not once over the past year has a single mortgage payment been late. We also have quite a bit of equity when the house is finished and equal to the neighborhood. Finally, a month ago we received a sizable check from the insurance company. I thought we were in the clear and can now pay contractors and credit cards. This is not the case. My husband and I took the check to Wells Fargo for deposit. Unfortunately, this is the only way a check of this size can be deposited, with Wells Fargo the lean holder. This though is not the problem. Wells Fargo refuses to deposit this check into my account. Maybe they could take the money and distribute it to owed contractors and a very own Wells Fargo maxed out credit card with themselves No. Instead the check is only a coaster at this time. What do they want? An appraisal. Greatcome on outOne month later and red tapenothing. I cant hang on like this. They are however accruing interest over the past month on my maxed credit card which I would love to pay off. Basically, Wells Fargo has treated us inhumanely. We have been through quite an ordeal and they have only made it more difficult. If they want to secure their interest, I have no problem with this. Where have they been the entire year. Only when I get a check which I am in desperate need of they have held us up over a month. I am in good standing and have been treated unfairly.

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 monetary relief
Consumer complaint received 2019-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2019 {$5500.00} Called Bank of America 4-5 times I overpaid my credit card by {$5500.00} and when requested for a refund check on XX/XX/2019, I didn't receive anything for a few weeks. After a few weeks I called in and a representative told me that they will stop payment on the check and issue me a direct deposit into my account, after a week of waiting nothing happened so I called back in. I got the same response from the rep that payment for the check will be stopped and will issue a deposit into my account. I called in 4 times now, still haven't seen a check nor a direct deposit into my checking account, and the representative keep telling me the same thing. Its been over 5 weeks and I still haven't get my money back yet.

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 monetary relief
Consumer complaint received 2019-02-21
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Years back i had a membership with XXXX XXXX  XXXX, It was a No Contract Membership. 
MY Social Security Number was never given to the Creditor. 
I payed for a good year then Cancelled my contract in person with the Representative there. 


I asked the Creditor for Validation of debt AT LEAST 3x through the phone but they have YET to send me an E-Mail.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 been a victim of identity 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 2017-09-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since the XXXX breach, I am putting a Security Freeze on each of the three credit reporting services. I have not been able to get through the process to set up a Security Freeze on EXPERIAN. The web site takes all the information and then says it ca n't be done on line. I 'm directed to assemble and provide a list of information to the Experian web site at experian.com/XXXX. The web site will not accept this request since I do n't have a report number. I 've obtained a phone number for establishing a Security Freeze : XXXX. But this line is always either busy or it goes dead. Clearly Experian only wants to sell a service with a monthly charge, not set up a cheap Security Freeze. I am concerned about Identity Theft from the breach.

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 2018-04-10
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving credit statements from an entity associated with XXXX XXXX for months and have spoken to many reps from both parties in regards to the past debt which was taken care of back in XX/XX/2017. XXXX shows the debt being settled while this credit company continues to pursue the old account. I have been in contact with a XXXX XXXX and a few others at XXXX who all have pulled my accounts and have stated the debt was settled by my mother in XX/XX/2017. I was involved in a bad XXXX XXXX accident and was in the hospital for 2 weeks and upon being discharged and sent home my services were suspended and she made the call to settle what was owed and also to have new service activated. XXXX has stated my services wouldnt be active right now today if I owed with them or had a current account outstanding. I have records I will provide to show the amounts paid off on two separate charges to my mothers XXXX XXXX card account. As well as documentation from the credit collector harassing me. This has dropped my credit score while Im in the process of bringing it up to purchase a home. I need this resolved once and for all as soon as possible. Ive been told from XXXX XXXX that they can not get it together and have outsourced many departments including billing to companies who do not stick around long but continue to pursue accounts on their behalf no longer in contract with them. Please help as XXXX has claimed it is settled but this Credit Protection Assoc is continuing to harass me.

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 2018-10-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I signed a lease for 36 and had trade in which and cash back from dealer. In signing I was required to pay first month lease. In the process of this loan there appear to be more then 36 mos of payments and the amount for down payment and first month payment is not included. Also the down is not reflecting the amount and trade value is not included. I also want to address the warranty is being denied by XXXX and my car have mechanical problems and is under warranty and they refused to service my car based on the agreement I signed with this lease. Presently still have car with warranty issuse and they have not corrected the matter. I filed lemon law and they still refused to service my car. I'm want to address filed a breach of contract against XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Resurgent Capital Services L.P.
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** The CFPB closed my earlier complaint as they felt it was a duplicate complaint. Complaint XXXX should have been sent to creditor and was not a duplicate complaint. The complaint was closed in error. 

On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I would know if they received it. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof. This validation letter was also returned from the US Post Office with a bad address that could not be forwarded. This means that the company has gone out of business, reporting incorrect contact information on my credit report, or is conducting business under false pretense. Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: SYNCHRONY FINANCIAL
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: Personal information incorrect

Complaint:
Hello, I checked my credit report and i found that GAP clothing store has closed my credit account with them with an amount of {$97.00}, while i haven't even received their credit card nor gotten any notifications about my credit. I tried to contact them but i didn't get a reply. My credit score was pushed back because of this and i hope i can get it fixed. 

Thanks, 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 monetary relief
Consumer complaint received 2019-02-21
Company: Specialized Loan Servicing Holdings LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The house mortgage is in my name, my ex-husband is living in the home, he stopped paying on the loan and failed to refinance the home into his name when he was suppose to. 
XXXX XXXX XXXX XXXX  paid the mortgage on the home through XX/XX/XXXX, we are both in financial hardship and I can not pay for this home. XXXX XXXX has XXXX  health issues, we are trying to sell the home but it has been a slow process due to lack of income and XXXX to take care of the land.

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 2019-10-23
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX XXXX is reporting a collection that was paid in full/ My insurance company notified me that XXXX XXXX XXXX XXXX  were paid for my medical visit. Client Account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Credit Protection Association, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NAME : Credit Protection Association ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Website : www.creditprotect.com Scam collection attempt Received numerous phone calls and a letter from Credit Protection Association L.P. Claims I owe money to XXXX XXXX in the amount of {$420.00}. I am positive I never used XXXX XXXX services. 

The letter claiming that my account has been turned over for collections as of XXXX XXXX 2017. Collector is Credit Protection Associates L.P. 

Original Creditor : XXXX XXXX Account Number XXXX Service Balance : {$420.00} Collection Fee 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 2020-05-27
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:
UNVERIFIED ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.

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 2023-07-06
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:
DISCOVER FINANCIAL SER XX/XX/XXXX DISCOVER FINANCIAL SER 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 explanation
Consumer complaint received 2023-05-13
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:
This complaint is my follow-up to ensure that the erroneous accounts are verified and their negativity is fixed immediately The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item : XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}

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 non-monetary relief
Consumer complaint received 2020-12-12
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 have a account from XXXX XXXX XXXX XXXX account number XXXX its reporting on my credit report on transunion as open account, but how can this account be open if the account is charged off and also this account not even mine. please have XXXX XXXX double check my ss number is XXXX i know there are other XXXX XXXX in my town and maybe the name got crossed. i think this is a major problem that is hurting my credit, and i think XXXX XXXX should delete this account from my credit report and make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Experian Information Solutions 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:
Long story short : Problem : -reported fraud to company and credit bureau back in XXXX - Answer : debt collection initiated- - contacted both intities a several occasions- - never any fraud paperwork filed on my behalf Through the next 17 years up to current i XXXX XXXX XXXX have acquired two prepaid accounts XXXX credit cards ) XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX. 

Several accounts and many hard inquiries continued to blemish my credit. XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX  XXXX, Bank accounts : XXXX  XXXX XXXX, XXXX XXXX, etc. 

And many prepaid cards received via my home address XXXX XXXX XXXX XXXX tx XXXX on other individuals email accounts. 

And 20+ email accounts breached with/ result of no longer able to sign in again And in XXXX after disputing all activity and accounts nothing has been removed from my credit / even when letters have been received via emails that say everything has been deleted. Im at my end without credit for 20 years and my unemployment has been taken from me with an account with my credentials im not understanding why the id theft has not been fixed. 

Experian credit customer service its values and regulations out weigh productivity.

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 2019-02-21
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My income has decreased and I sent to my mortgage company a request with my financials for the mortgage modification. I was declined because they said I had already had 1 modification within the last 5 years. I don't want to lose my home and Wells Fargo is unwilling to assist me. I have been reading and there is assistance under the XXXX XXXX & XXXX XXXX Modification Flex plan. I have resubmitted my modification request.

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 2019-02-21
Company: Gordon, Aylworth & Tami, P.C.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been accused of oweing a debt that is not owed. The debt is also outside of statute of limitations for collection.The creditor is XXXX XXXX. XXXX XXXX has numerous other law firms attempting to collect the same debt for them. All of the law firms are hired and maintained by XXXX XXXX. The first company to contact me was XXXX XXXX XXXX XXXX . I  recieved a letter from them attempting to collect a debt. I sent XXXX XXXX XXXX XXXX a certified letter return reciept. The letter was an order to cease and desist dated XX/XX/XXXX. XXXX XXXX which is a member of XXXX XXXX signed for and recieved the certified letter on XX/XX/XXXX. XXXX XXXX has now been notified twice to cease and desist and they have ignored all attempts to get them to stop. They keep assigning the account to another law firm who is a member of their colleciton agency. All of the attempts are from members of XXXX XXXX. In the last two months I have recieved calls from an attorney 's office called Gordon, Aylworth + Tami P.C. They call but do not leave any messages. The latest call came from number XXXX on XX/XX/XXXX at XXXX. The call before that came in XX/XX/XXXX from the same number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the account I listed are fraud I check my credit and I found the accounts I never open this is a fraud accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX  XXXX TransUnion and XXXX  Show different Date and year of Last Active. TransUnion Shows XX/XX/XXXX. and XXXX  Shows XX/XX/XXXX how is this possible? this is inaccurate and a violation of the FCRA and needs to be Deleted.

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