BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My house was a robo signed mortgage, among other things that wasn't legit. Fraud. I  keep going back a forth with wells forgo. about this loan. they just telling me they haven't got to the bottom of this yet. they send me paperwork of some documents, but it don't say anything about them making up fraudulent docs beforehand to make it legit, because I still have my originals and other docs. They still haven't told me anything concerning the fraud. Only thing is we looking into it. Known the other company don't want to here nothing. They just want that money. They told me that they don't got nothing to do with that. Just sir your loan was transferred. How you gon na make the payments. that bank or lender is XXXX XXXX XXXX XXXX. Thats right wells forgo said. I can keep my bank account I believe til the end of the year, before they start charting me. looks like its fighting time in court.

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 2020-04-28
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: Information belongs to someone else

Complaint:
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Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Ive written XXXX several times of proof when XXXX XXXX  was paid a {$1.00} this payment was never paid yet they said it was verified. 

Ive also requested the 1099-c XXXX XXXX used filing this debt as a charge with the Irs in reference to section 61 ( a ) ( 12 ) XXXX  i also requested the 1099-c for a charge off As well i have reported the inaccuracies across all bureaus nothing is being repaired XXXX  is still showing a balance DeptdXXXX is deferred in good standing, but showing negative on XXXX and 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 2022-11-17
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX Amount {$2400.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-10-19
Company: OneMain Finance Corporation
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I started a new job on XX/XX/. I ended up having emergency XXXX XXXX XXXX a couple days later. I was out of work a couple days due to the XXXX. I have received one full paycheck in 4 weeks. One main financial payment was due XX/XX/XXXX. I explained to XXXX XXXX, on XX/XX/XXXX, I could only pay {$100.00} when I got paid because all my other XXXX 's were past due also. Then he asked me when do I get paid, I told him on fridays and I'm working on getting a third job so I could get out of the financial hole I'm in. Fast forward to XX/XX/XXXX. There was an debit from One main financial that I did not authorize for {$430.00} which over drafted my checking account {$350.00}. XXXX and XXXX XXXX, branch mgr, claim that they do not have the capability to debit my account from a well account. I've made multiple payments to them from my well account, $ XXXX, not $ XXXX because I'm making a third of what I used to make. I worked as a XXXX XXXX doing XXXX for the past 5 years. 25+ years in XXXX. And I've learned one thing there is a back door to everything. It is not a coincidence that my account was debited on a friday. They may not have the rights to do it from there office, but I'm sure they called or emailed someone to set up and electronic payment from my account. Because I surely did not do it. I didnt have the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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 car was repossessed it's showing on my credit report as a charge off but they keep stating that I am making late payments I do not have the vehicle it was repossessed again it is showing that it was a charge off if it's showing a charge off they have already performed a 1099 and it should be taken off of my credit report 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 2021-10-19
Company: Bread Financial Holdings, 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:
Greetings, I would like to file a complaint against Comenity Bank/Wayfair Cir . I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX I download an app called XXXX XXXX. through my XXXX. I was searching for a XXXX XXXX back pack. I message this seller. Through offer up. The seller told me to pay him through an app called XXXX. I paid him {$320.00} from my chase bank. I never receive the item nor TRACKING NUMBER. 



P.S I ask the seller why are you selling you XXXX XXXX backpack so low of a price. The seller told me due to corona virus he wanted to make a couple of bucks. Once I paid him through my bank. He turn off his communication and his location., there fore I never receive the backpack or tracking or label number. That is when I knew it was a scam My bank didn't do anything to help me protect me from this error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: TN
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:
The last day of service with XXXX XXXX, XXXX, and XXXX ( XXXX ) was XX/XX/2021. I gave them a forwarding address and I received a final bill at the new address in which I paid immediately. The next time I heard about them was about XX/XX/XXXX or XXXX from a collection agency. I denied owing the debt and asked them to investigate. In the meantime I logged into my account and saw that the meter was read again on XX/XX/XXXX and another bill was there. This bill was never sent to me or I would have paid it immediately. I paid the bill then and there online. On XX/XX/XXXX I received an alert from Equifax that XXXX had placed a collection on my credit. Again, this was a bill I NEVER even received. On this same day, I received a forwarded collection notice from the collection agency ( a different company ) with a misspelled last name ( XXXX ). XXXX had my new address. I don't understand the misinformation. However, even if they would have sent to the bill to the old address the forwarding was intact. I NEVER received a bill. I called the collection agency back and they stated that they did not place the collection. They had received the collection notice from XXXX on XX/XX/2021 and according to Equifax that was the exact same day they reported the collection to them. I never had a chance to get the bill and pay it. Due to this my credit score dropped a WHOPPING 30 points in the middle of trying to buy a home. I moved from my old home and am having a new one built. I pay close attention to my credit and my bills. In the 9 years that I was at the old house I never had my lights cut off or any issues paying the bill. I feel defeated and treated unfairly. Not only was I not able to speak to XXXX they also updated the account to say " Paid Collection ''. How is it a collection if I was never notified and allowed to pay the bill??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
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:
I am a victim of identity theft. The fraudulent activity was investigated by law enforcement and was validated as identity theft/fraud. A XXXX XXXX XXXX account was first reported on my credit report on XX/XX/XXXX. I have submitted my police report repeatedly to Experian, and also to XXXX XXXX XXXX   proving that this account does not belong to me. Experian and XXXX XXXX XXXX  has repeatedly validated this account as belonging to me even with proof that it does not. Experian and XXXX XXXX XXXX recently updated this XXXX XXXX XXXX   account to my credit profile on XX/XX/XXXX as having a recent late payment when the account previously reported that it was charged off for the last four years. This is fraudulent reporting within itself. I am requesting that Experian remove this XXXX XXXX XXXX  account from my credit profile, as it does not belong to me. I am also requesting that the recently updated late payment be removed from my credit profile.

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 2018-11-20
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
Not only has Experian taken extraordinary lengths of time, beyond the FCRA requirements of 30 days, to dispute results on my credit report, they are making any sort of dispute on the report nearly impossible to carry out. When I call the XXXX number, unlike most consumers, who have opportunity to dispute issue with a general rep, Experian makes me ( XXXX military vet ) have to take extra steps to rectify my problem. I have to call a special phone number with very limited hours to dispute anything. Experian calls this the consumer advocate team. This team makes consumers who complain to CFPB, go extra lengths to dispute because they are considered problem customers, so they make it more difficult for them to dispute. Experian is not only taking advantage, scamming consumers but they are committing fraud against military vets, both disabled and able bodied alike. 

- They are making accounts reappear after they are removed from the account. 

- XXXX XXXX, balance - {$31000.00} was removed and reappeared - XXXX - Closed account, listed as fraudulent account that was removed months ago and reappeared again ( {$410.00} balance ) - XXXX - current, XXXX balance, never late - Placed XXXX  credit card on my report with a XXXX balance, that was allegedly open on XX/XX/XXXX, with a {$400.00} dollar credit limit. I have an account with target, a retail credit card with a {$200.00} dollar limit, XXXX balance, current, never late, opened on XX/XX/XXXX THESE ACCOUNTS DISAPPEARED REGARDLESS OF BEING POSITIVE. EXPERIAN GOING OUT OF THEIR WAY TO DELETE POSITIVE INFO XXXX  Personal Line of Credit Credit Limit {$10000.00} Open Account Never Late Opened - XX/XX/XXXX Balance - {$0.00} Account # XXXX XXXX XXXX XXXX Credit Card ( revolving credit ) Credit Limit - {$25000.00} Open Account Never Late Balance - {$0.00} Account # XXXX XXXXXXXX XXXX XXXX Credit Card ( DO NOT CONFUSE THIS WITH THE XXXX   CREDIT CARD THAT WAS RECENTLY DELETED WITH A {$490.00} BALANCE ) THIS ACCOUNT HAS A {$0.00} BALANCE CREDIT LIMIT {$200.00} OPEN - XX/XX/XXXX REVOLVING CC RETAIL CREDIT CARD {$0.00} BALANCE NEVER LATE OPEN ACCOUNT XXXX CREDIT CARD CREDIT LIMIT- {$500.00} NEVER LATE OPEN REVOLVING CREDIT CARD XXXX XXXX XXXX XXXX  CARD OPEN ACCOUNT - XX/XX/XXXX XXXX CREDIT LIMIT CREDIT LIMIT HIGH - XXXX XXXX BALANCE

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 2021-10-20
Company: TD BANK US HOLDING COMPANY
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I now have a temporary hardship forebearance plan agreement. 
Due amount by XX/XX/XXXX, is {$5900.00}. 
My case worker is XXXX XXXX. 
Yet, today a get a letter that shows assessed expenses of {$6000.00}. 
And at the end of letter it has an attorney and states attorney start foreclosure proceedings. 
And before remitting payment I have to call that attorney? 
I called in the past and I'm not dealing with him. 
The case manager in her letter never mentioned this from letter dated XX/XX/2020. 
I'm unemployed. 
And my health is not well. 
Why the double switch? 
I'm at a loss and about to enter a lawsuit against this company about the attorney and foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: PENTAGON FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
So, basically Penfed Credit Union isn't honoring the removal of a credit card I paid in full in settlement offer of {$4500.00} with XXXX XXXX XXXX XXXX XXXX. It's damaging my credit score for awhile now. I disputed it to all 3 credit bureaus multiple times but no changes were made in deleted or correcting the payment status and account status on XXXX, XXXX, and XXXX. 2nd offender is XXXX XXXX XXXX XXXX they are not updated my balance on account on all 3 credit reporting agencies at all. After I called them too many times to remember, but kept the call logs of on me calling to explain. XXXX XXXX XXXX XXXX XXXX have not updated my credit report on XXXX, XXXX, and XXXX  neither after I paid in settlement deal. They are hurting ym credit score bad by not reporting to the credit reporting agencies since XX/XX/2021 2021

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 2020-04-28
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a VA Loan XXXX XXXX is a Veteran. We talked to BSI Financial Servicing around XXXX, 2019 and several several several years several times prior and asked if we could speak to the department that handles Modifications they said they do not do Modifications. We wanted to do a Modification of the VA Loan from 6 % to the current market rate 4 % or what ever is was at that time. We did not want to change any of the terms other than the interest rate as we have only 6 to 8 years to pay this loan off. They said they only do refinances for a 30 or 15 year loan. We were struggling at that time as the XXXX XXXX XXXX XXXX was taking a down turn in which we work. 

Our prior professions were in the XXXX XXXX XXXX I worked in this profession for over 36 years XXXX XXXX, XXXX XXXX, whether it was a XXXX, XXXX, XXXX or XXXX. I have closed more properties that you can imagine.

Now we are really struggling due to the Cornavirus Pandemic and the XXXX XXXX XXXX is the worst it has ever been, gas stations are selling gas where we live at {$120.00} per gallon. We have been calling the for the past few months and leaving detailed messages the recording says they will call you back in one business day. They have never called us back and the recording will hang up on you. They also messed up our escrow account last year and this year they increased our monthly {$300.00} that is crazy they said they were sorry, they have also messed it up in the past several times. We have worked hard to get this house paid off not to increase the mortgage. We asked them how is the owner of the loan and the phone number, address and could not get a answer from the. The prior servicing co. was XXXX  XXXX XXXX we never had any problems they are one of the best banks and lending companies. We are not going to go on their web sites as the are just a bill collector wanting more information. BSI Financial Services, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX they need to get it together and been more professional. We need help from you on getting them straight and doing our Modification or the Owner of the loan. I used to XXXX XXXX XXXX XXXX for lenders and work with the client to sign and record it of record. It only take a few minutes to XXXX XXXX XXXX. Please help us we want them to do the right thing or lead us in the right direction. We wish they would respond as follows : Thank you for your sacrifice, your bravery, and the example you set for us all. In short, thank you for your service! To all those who have served, and those who continue to serve. Kindest regards XXXX & XXXX XXXX - XXXX. VA rates are about 3.500 % now. We are not in this for them to make more money from us but to lower the VA rate and pay this loan off. Its secured by a VA Certificate of Eligibility.  We need your help. XXXX & XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: NCB Management Services Inc.
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am contacting NCB in regards to proper resell of vehicle again. I have now received and reviewed what you have mailed, however, I see inaccurate and invalid dates. The dollar amount of {$16000.00} you are reporting to all 3 bureaus is not the deficiency balance. NCB has not outlined their calculation and is the wrong dollar amount. At this point I believe there was not a proper resell of the vehicle as it is not properly outlined or how it was determined. Is this why XXXX XXXX, whom you outsourced to, submitted the file back to you a week after questioning the account? Not only am I skeptical, but Im also disgruntled. Not to mention how aggressive and helpless the representative/manager made me feel when I called in and mentioned disputing the file. 

I demand that NCB remove the report from all 3 credit reporting agencies ( XXXX, XXXX, XXXX ) as this has harmed my credit and is considered a violation of the FDCPA and FCRA. Please do not contact me anymore either.

Company response to consumer: Closed with explanation