BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
( Please Note : While this transaction occurred several years ago, I was apprised of the truth within the last three months. ) In order to prevent the foreclosure of my home in 2011, a family member secured the {$12000.00} to be paid towards the mortgage loan, as communicated by a Wells Fargo loan officer, and went to a local branch for processing. However, what was later revealed ( and corroborated ) was that most or possibly all of the funds were only applied to the lender 's attorneys ' fees, and Wells Fargo went ahead with their foreclosure regardless.

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 2019-05-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
To whom it might concern, I have a case issue with Wells Fargo Bank, Home Mortgage Department.

I declined the mortgage ( This is not the case ). While applying, I paid for appraisal services, and I ask the bank to transfer the appraisal to the new lender. Bank official refused to transfer it at the first place. I attempted to request this transfer from more senior people. I was provided with 2 lines of the letter ( attached ), no signature, no sign from whom, nor the indication and confirmation regarding compliance with AIR ; the letter was obviously declined by the new lender.

Once I asked Wells Fargo to provide the required letter, this stands thy follow AIR rules and regulations. They officially refused to do this. It means they are not in compliance with Appraisal Independence requirements, so appraisal report they ordered is not in compliance with Appraisal Independence Requirements. So I waster my money on the useless paper, which could neo be used by any lender and by the bank itself.

This is the report I paid for, and at this moment I do not have time to do another appraisal.

Please advise how do I make them comply with this the law. I get his transfer letter.

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 2021-04-22
Company: EQUIFAX, 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:
I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The account does not belong to me. I am writing to request that you block the following fraudulent account from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2018 I sent via certified mail a dispute in regards to me being a victim of Id Theft and fraudulent accounts being reported to my credit profile. The credit reporting agencies did not resolve nor recognize my dispute eventhough I presented the proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a Ford Credit account, ref # XXXX. I had setup auto pay on this account using my XXXX XXXX XXXX account ending in XXXX which was closed by XXXX XXXX XXXX due to fraudulent transactions which resulted to overdraft and for the auto payment for my Ford Credit account not to go through. 

I had been traveling and had auto pay set up for my Ford Credit account. It never occurred to me that I could still have problems with the payment. Last XX/XX/XXXX, XXXX and XXXX 2018, there has been unauthorized cashing of checks amounting to {$25000.00} on my XXXX XXXX XXXX account ending in XXXX ( see attached FTC ID Theft report ). Since I was traveling, I was not aware of what has been happening and only noticed the problem when I came home last XXXX. 

XXXX XXXX XXXX was able to refund/credit the lost {$25000.00} back to me on a new account as shown on my XX/XX/XXXX to XXXX XXXX XXXX XXXX Statement attached to this complaint. This bank statement will also serve proof that I have the capability to pay my monthly obligations with Ford Credit and that I have sufficient funds on my bank account to be able to pay the minimum monthly due. I even doubled my payment last XX/XX/2018 to make sure that my account is up to date. 

I sent Ford Credit a letter last XX/XX/2018 stating the issue I had with XXXX XXXX XXXX wherein I've made an honest mistake about my new and previous XXXX  XXXX XXXX account # s. This led to Ford Credit refusing to help, even though it is not my intention to be late on my payment. Even though, that late is unintentional and is a result of having fraudulent transactions on my bank account. They responded to my letter I sent them last XX/XX/XXXX, turning my request down.Enclosed to this complaint ar copies of my FTC ID Theft Report, Letter sent to Ford Credit last XXXX, Ford Credit 's Response, copy of my bank statement From XX/XX/XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a debt collection letter from Convergent Outsourcing , Inc. based out of XXXX, WA, said that I owed {$4600.00} -- and this debt was coming from XXXX XXXX, XXXX. 

Convergent Outsourcing, Inc said " Our client has advised us they are willing to accept 35 % of your total balance ... your reduced amount would be {$1600.00}. '' The original creditor according to the letter is XXXX XXXX. 

I wrote a letter disputing this debt on XX/XX/XXXX. 

I am complaining because I PAID THIS DEBT back in XX/XX/XXXX ( more than 10 YEARS AGO ) for a settled amount of {$1400.00}. 

Any guesses to how and why this is happening?

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 2020-02-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
has prepared the following complete text of the Fair Debt Collection. Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p. 
In XX/XX/2017, the Consumer Finance Protection Bureau filed a lawsuit against XXXX. The CFPB accused XXXX of failing to act in its customers best interests. Among other things, the CFPB charged that XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: DISCOVER BANK
State: FL
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:
In XX/XX/XXXX I was laid off from work and later following after finally landing a somewhat stable job, Covid-19 happened. My Account XXXX, Dates XX/XX/XXXX until XX/XX/XXXX creating the biggest financial hole. I CONTACTED DISCOVER 2 times to let them know my situation and how i been financially injured.I ask for help but was rejected when i contacted and also sent a letter as i am being denied because of these remarks on my credit.I am writing the complaint as XXXX XXXX XXXX and DISCOVER has refused to remove and account that has been clearly has had previous history of good payment history. I did not receive my unemployment until 7 months later when XXXX XXXX when COVID started.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX student loans keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score. I 'm in the middle of financing and their frequent updates are detrimental to the process. I want my loans 7 years and older off my credit report because they are pass the statue of limitations for my state. I need this done ASAP, because XXXX reporting tactics or unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Early Warning Services, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
One address on my XXXX XXXX is correct. The other one is shady. Please correct this problem. The address that is shady is XXXX XXXX XXXX XXXX XXXX IN. XXXX-XXXX  This is not mine. Please look into this since my identity was already stolen If you can help with this I would feel like a monkey stuck in a banana factory. 

Thank you. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Victim Fraud Assistance Department, Equifax Breach Victim I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove closed account information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX, Equifax  and XXXX  as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX, Equifax and XXXX. Please stop reporting this fraudulent information and delete these items attached to my complaint as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Received a text message about an hour ago to login to my Citibank account. 

Logged into Citibank and found that I had a 50 day old bill due for an annual fee of {$95.00} for a card I don't use anymore - didn't receive any calls, other texts, or emails related to this. 

Called Citibank twice to get a CSR ( likely from a call center in XXXX ) and I told him that I never received these statements - looked in Spam folder, and all Citibank emails were being sent to Spam folder. I told him that I wanted to cancel my card because I didn't want to pay the {$95.00} annual fee since I no longer use this card. He processes the cancellation and then says I am still on the line for the {$95.00} ; however, it will be prorated. I ask him how much it will be, but he said he couldn't tell me because the system generates this. I ask to speak with his manager, I wait 5 minutes, and he says the there isn't one available and hangs up on me. 

I call Citibank again and speak to someone who sounds like they're based in the states. The CSR tells me immediately she'll try to get ahold of someone who can resolve this and tell me how much I owe. I want 25 minutes for her to find someone ( one of them was a colleague, again based out of XXXX, who said he can not help because this is a Business account ). She finally patches me through to someone in Customer Service who says since I'm outside of the 60-day window, I have to pay the entire {$95.00} as the system will not allow a credit and that they got rid of pro-rating annual fees entirely some time ago.

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 2020-02-24
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Victim Fraud Assistance Department, XXXX  Breach Victim I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove closed account information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Experian, XXXX  and XXXX  as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Experian, XXXX and XXXX. Please stop reporting this fraudulent information and delete these items attached to my complaint as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.

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 2021-08-21
Company: EQUIFAX, INC.
State: FL
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:
I filed a dispute last XX/XX/2021 with the credit reporting agencies in regard to inaccurate information reporting on my credits reports. I never received any notification in regards to the investigation results. It has been over 44 DAYS. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Santander Consumer USA Holdings Inc.
State: SC
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 account from Santander Consumer USA is not my financial obligation and is hurting my credit score. I filed a dispute with XXXX, XXXX and XXXX  on XX/XX/2019 and to no avail this derogatory account is still listed on my credit report. I have not heard from any agency in response to the accounts validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Date : XX/XX/2020 I have contacted my attorney and the local police department which have both told me that criminal records should not be showing on my background check 7 years after conviction date. 
I have been looking for another job for years and my criminal background has prevented me from finding another job. 
statement from fair credit reporting act " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. '' I completed a Criminal background check on myself in MN using TransUnion.com.

I verified that my record still shows and even after 7 years from my conviction date. Also, the number of records showing is 4, this is not correct, it should be only 2. 
please have my record removed from public systems, I have a family I need to support.

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 2021-08-21
Company: RC Willey
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RC Willey has misrepresented the amount I owe and have taken an action that threatens to take this to attorneys to charge for the amount I do not legally owe. RC Willey is giving false information that is deceptive and misleading information. 

The items that RC Willey is claiming is significantly more and has been reporting this incorrectly to the credit bureaus. I have communicated that the deliveries have not happened and demanded a full refund. 

The company has failed to provide a refund and since I did not receive the merchandise I am hereby asking for assistance. 

RC Willey is violating the Fair Credit Reporting Act and acting unethically as I have sent them various emails to address this matter and have gone without response other than threats.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Applied Data Finance, LLC
State: OK
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:
Not applicable to me, XXXX Account on my credit report I have sent in numerous letters in attempt to verify and get this resolved off my credit report, I have also sent letters to XXXX, XXXX and other reporting agencies and they all keep XXXX the fingers. 

The company states that they can not find me in their system yet the company is listed as inquiry on my consumer report. I would like this inquiry and others removed expeditiously as they were opened without my written or informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Sent dispute letter XX/XX/XXXX and investigation was not done within 30 days - so the negative items must be deleted. Thank you. 

P.S. I have proof attached.

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 2021-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
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:
Not applicable to me, Fraudulent Account on my credit report I have sent in numerous letters in attempt to verify and get this resolved off my credit report, I have also sent letters to XXXX, XXXX and other reporting agencies and they all keep pointing the fingers. 

The company states that they can not find me in their system yet the company is listed as inquiry on my consumer report. I would like this inquiry and others removed expeditiously as they were opened without my written or informed consent.

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 2021-08-21
Company: Experian Information Solutions Inc.
State: NJ
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:
There are multiple inquiries on my report I do not recognize

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