BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2018-02-05
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My job was eliminated on XX/XX/XXXX 1. Wells Fargo ( XXXX ) placed me on Forbearance program for 1 year 2. I regained employment in XX/XX/XXXX and requested a Modification 3. The first Modification returned with a first payment of {$25000.00} which I could not make. 4.The next Modification came back with a first payment of {$50000.00} and the 3rd {$65000.00} 5. XX/XX/XXXX I filed a Chapter XXXX paying the court monthly payments towards the arears. 
5. My position was eliminated again XX/XX/XXXX and I regain Part time employment in XX/XX/XXXX. No mortgage paid since XX/XX/XXXX 6. Consumer Link worked with Wells Fargo until they received a call in XXXX stating they were no longer going to negotiate with them because my home now had equity ( they were paid monthly for a total of {$2800.00} and I received {$970.00} back when XXXX refused to continue to negotiate. 
7. Several more bankruptcies were filed to keep my home out of foreclosure 8. XX/XX/XXXX, I signed a retainer with XXXX XXXX XXXX from XXXX XXXX, California ( retainer {$2500.00} ), total {$5300.00}. They have done nothing except collect documents from me and tell me I need more income. I have had two brief telephone conversations and no updates. 

My home was scheduled for Auction on XX/XX/XXXX at XXXX XXXX, I filed a chapter XXXX Bankruptcy at XXXX XXXX and notified their attorney 's office to stop the auction, and my home was sold in spite of the Bankruptcy. I was not notified by Wells Fargo that the Auction was not postponed I discovered that information several days later when I called XXXX to discuss options going forward since XXXX XXXX XXXX was doing nothing except waiting for me to get a job. I do have some income from XXXX and two retirements ; however, I do need to get at least a Part- time job. Unfortunately, even though I have two masters Degrees, I am XXXX years old, and it has been very difficult to find employment. 
I have spoken with WFHM Corporate and requested a written response explaining why the Bankruptcy was ignored and why I was not notified that my home was sold after I filed the

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 2021-06-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The first time I learned about this debt was when I received word from my company payroll department that I had a lien filed against me in the amount of XXXX from a judgement filed in the State of California XXXX XXXX in XXXX through Midland Credit Management. The debt was from a card opened fraudulently in my name back in XXXX. It was charged off in XXXX. At that time, I filed a police report with the XXXX XXXX police department which is where I was living at the time. That information was provided to the credit reporting agencies and the credit card company XXXX XXXX where the issue started. I had no idea this was still active in any way, I received no information about this until the lien. I contacted Midland Credit Management and was told the dept was legitimate and if I wanted to dispute it I would have to send a notarized letter stating it was not my debt along with the police report and a new police report if I didn't have the previous one and that it would take a month to process. I contacted XXXX XXXX who informed me they no longer had any information to assist me, that information that old is not held onto. 
Midland Credit Management followed up with a letter threatening that if I disputed this claim, that dispute process would go on my credit reports causing a negative mark on it. The amount they claimed I owed also changed from XXXX to XXXX. They did not send any of the court paperwork, any letters ever stating I owed this debt, nothing other than the letter and a very small unclear print out of what appears to be a credit card statement from XXXX XXXX dated XX/XX/XXXX to XX/XX/XXXX. They refuse to address my requests for information. When this case was filed they ( based on what information I could find ) had my correct address on file yet sent information to an incorrect address where it was apparently signed for. I believe this to be a tactic used to bring to court to get the judgement. I have attempted to contact the court to understand what rights I have to fight this but due to covid restrictions and the court is over 120 miles away from my residence, I have had no success. Midland Credit Management intentionally withheld information, intentionally filed this case over 100 miles away from my residence, is falsely collecting a debt that was closed out in XXXX and gave no information during this injustice and continue to not provide any details to this. They used the courts in California to perpetrate this crime. I want my money back and want to file charges against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: AZ
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:
This was closed because it was not specific. I will make it specific. 

XXXX mortgage took over my account in XXXX. It was about 5 yrs old. The 30 year term ended in XX/XX/XXXX XXXX in other words, all payments were made at that time. HOWEVER- even though the contracted payments were all made, they still claim I owe 1/2 of what I started with after 30 yrs of payments. In XXXX of XXXX I was selling the property and trying to get a payoff from them. I didn't pay because the payments were all made. Why should I make payments on a mature loan? 

They reported me late XXXX -- you verify it and it comes back in a day. I want specifics. It is incorrect. Further its a cares act violation. I was involved in a forbearance and it was current so its illegal for them to report it late. 

All credit reporting and letters are forwarded to XXXX. how can someone in XXXX determine the laws of the XXXX for credit reporting? they just send the same documents and do not do anything -- but you accept them and do nothing to verify and that is why this complaint is coming to you. 

ACCT XXXX I will be pursuing this- trust 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 2019-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent {$500.00} through XXXX and {$250.00} through XXXX XXXX for concert tickets on Saturday XX/XX/XXXX. I sent the money ; however, I never received the four tickets I purchased. I bank with Bank of America. Bank of America awarded a temporary {$250.00} credit to my account, but has not given any refund for the {$500.00} XXXX transfer. 
Bank of America has treated me horribly. Ive spent close to ten hours on the phone with B of A for this situation to have no resolution in getting my money back. 
Initially, when I explained I didnt receive my tickets to representatives, I was told Id get the money back once I reposted the claim. Then, I was told that I wouldnt get my money back because XXXX isnt protected. 
I asked and was transferred through multiple departments and supervisors to pull the call saying that I would have the money refunded to my account only to be told staff would be retrained, but theres nothing Bank of America can do. 
This is a disgrace and is absolutely unacceptable. 90 % of the Bank of America employees could not care less about my situation or helping me. I let them know that as my bank, they should protect me against scams and in these situations and they would say theres nothing they can do. I paid money and didnt receive my merchandise. Instead of helping me, Bank of America and XXXX are refusing to help me and are letting scammers profit and continue getting away with their illegal activity. 
XXXX XXXX  is the scammers bank, and they also offered zero help and refused to cancel the payment. 
A police report has been filed, but the money is only able to come back from the bank or 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 2022-09-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2016, I filed an XXXX XXXX XXXX # XXXX, # XXXX, with XXXX Bankruptcy XXXX XXXX XXXX XXXX, Texas. I was represented by a Law Firm. I contacted my attorney and requested my attorney to stop or dismiss XX/XX/2016. I was never informed that this XXXX XXXX XXXX  would be placed negatively on my credit report. I was never informed or counseled by my attorney that this XXXX XXXX XXXX would be placed negatively on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of theFederal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.

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 2020-01-22
Company: Diversified Adjustment Service, Inc.
State: OK
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:
Diversified Adjustment Services has an open account on my credit report which I challenged with XXXX XXXX. I filled out complaint form and requested written verification of debt 15 USC 1692g sub 809 ( b ). This company does NOT have my permission to open an account using my information. I have NOT done business with this company and they have NOT produced a wet ink contract between myself and said company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Consumer Adjustment Company Incorporated
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently around XX/XX/XXXX I checked my credit report to see what my score was and notice that I received a notification in the early part of XXXX. Upon checking the notification it mentioned a collection account that I have no knowledge of in addition have not received any notice that shall be sent pursuant to the FDCPA. Since I did not receive said notice, that is a blank violation of the FDCPA and this company is liable under 15 USC 1692k. This notice would have gave me an opportunity to dispute any information or dealings with this company prior to the negative item being reported on my credit report which is a violation of the FCRA. This item being reported is not only a intrusion of my privacy, a violation of federal laws, it as well ruining my reputation. Since my consumer rights have been violated I am forced to take legal actions via suit or the matter can be settled outside of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: BSI Financial Holdings, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It came to my attention that my mortgage loan servicer ( BSI Financial Services ) failed to pay the real estate taxes when they were due at the end of 2020. I received a notice from my local tax authority ( on XX/XX/XXXX or XXXX ) informing me of the delinquency, at which point I immediately called and reported the issue to BSI Financial Services. They looked at the records and confirmed that the money for real estate taxes was never disbursed from the escrow account. They claimed they would resolve the issue. I have called BSI Financial Services every week to check on the progress, but after nearly a month of informing BSI Financial Services of the issue, they have failed to pay the overdue real estate taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been fighting for months for Nationstar to remove the PMI portion of my loan. At time of purchase we were notified that as long as I was XXXX % or higher on loan to value this would be removed. I began asking questions in XX/XX/XXXX and was sent in a constant loop until I got nasty. I asked and received an appraisal which shows my loan to value is XXXX % just received a letter stating that the range " could '' be XXXX-XXXX % LTV and denied my request. My house has the required LTV, I have excellent credit and never missed a payment ... .Shame on you Nationstar. I was so excited to read about your organization please help they have been trying to string me along since XX/XX/XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: PENTAGON FEDERAL CREDIT UNION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
PenFed Credit union sent me an approval offer for a credit card, I took the offer They approved my application pending docs and said it would be done in 24 hours I submitted docs. They requested more. I submitted more. They requested more. I submitted more.

I took the offer only based on the approval and I provided all the docs they requested I have been lied to by representatives at the company, told it would be approved and it wasnt, I was told 24 hours and that wasnt honored Given the deceptive and unethical practices I made the request to either honor the offer or delete the inquiry off my credit report and withdraw the application.

Please have the withdraw the application and be sure theyre following ethical business practices

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 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a ongoing dispute that was file in XX/XX/2017 with XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. This account was under dispute for several inaccuracies that were never addressed or responded to. I request an another investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Saturday XX/XX/18 I called the Arvest customer service line and spoke with a representative to stop payment on an unauthorized {$560.00} charge I saw listed in my pending transactions. I was told the payment would be stopped and I would be charged {$30.00} for a stop payment fee. The unauthorized {$560.00} charge was then paid out of my account the following Monday after I was charged the stop payment fee. I called the Arvest customer service line back and was refunded the {$30.00} stop payment fee. I filed a dispute with that customer service agent for the unauthorized charge, but did not receive provisional credit back for the unauthorized amount paid ( {$560.00} ). I went to my local bank branch ( XXXX XXXX XXXX, Arkansas ) to ask for provisional credit until the amount is refunded. I was told that this isn't my fault, but there is nothing they can do to help me- it is out of their control. I asked them specifically about Reg E, and they said they do not know what Reg E is. In the mean time, I have a negative bank account balance and no money for food or gas until I get paid again on 10/5, and I have been charged {$51.00} in NSF fees.

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 2022-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been in count with Direct Recovery about a credit card debt inwhich I am unable to make payments without a job and looking for work. In explaining this to the representative this morning on XX/XX/20 at XXXX : he goes on to tell me how shameful I am for being out of work for this long, and then hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On the day of XX/XX/2021 my chase checking account in XXXX was compromised by a 3rd party via XXXX. I immediately called chase and reported the fraud. On Monday I had the XXXX of XXXX I was able to contact the fraud department to cancel my debit card that was on file with eBay and receive a new debit card. I thought everything was fixed chase said they would investigate. That Friday XX/XX/XXXX I received a package at my door. I thought it was strange because I had not ordered any thing. But it was addressed to my name. I opened the package only to see that some one ordered a car part in my name. I was still a little confused but the more I thought, I remembered my ebay account was charged earlier in the week. I logged on only to see that the transaction made on ebay was for car parts. I immediately contacted the seller. Explaining that my account was hacked into n I would like to send the parts back. The seller confirmed with me that I can send them back to the adress listed on the box they were shipped back ups ground with a tracking number XXXX on XX/XX/XXXX. Chase was then called and made aware of what happened and that the all though I was not the buyer but that seller received there merchandise back I also provided chase with all the tracking information. On XX/XX/XXXX chase rules in the favor of the third party who accessed my account and takes the amount of XXXX back out of my account and credits it back to the seller. Me being in a state of shock call chase, and chase tells me to call XXXX. I contacXXXX XXXX and they tell me their is nothing they can do because I contacted my financial institute. XXXX did how ever look into the account and under there investigation they determined there was fraud and that my account was accessed by a third party. They even wrote me a letter to provide to the bank. Saturday XX/XX/XXXX I walked into my local chase branch at XXXX XXXX XXXX XXXX Ga XXXX and talked to XXXX the branch manager phone number XXXX XXXX XXXX I explained the story to XXXX and even showed him my letter from XXXX. XXXX agreed after seeing the letter and faxed it to chase once again for the claim to be reopened. XXXX told me to call the XXXX XXXX number back in 2 days as it would take time to process. On XX/XX/XXXX I received a letter stating a denial to reopening the claim and was a laughed at by a customer representative supervisor by the name of XXXX when I questioned the denial

Company response to consumer: Closed with monetary relief