BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-10
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
So after almost 10 years may husband and I have been treated unfairly by Wells Fargo Home Mortgage. Our home is up for auction on XX/XX/XXXX. We contacted XXXX in the early part of XX/XX/XXXX maybe around XXXX to refinance uuand it was taking a long time to get it together. There was a lot of restructuring going on at XXXX. There were different loan officers getting involved with our application. We even had one of the officers who was released from the office try to take our application with him to his next employer. He was still working on our application but didnt bother to tell us that he was no longer employed there. So I wasnt sure who I was talking to. Nonetheless, the XXXX called me with a final offer which was nothing I had discussed but decided on anyway. The Note then was transferred to Wells Fargo Home Mortgage for servicing. In the unfortunate event I required XXXX in the early part of XX/XX/XXXX. I contacted Wells Fargo informing them of our hardship. We filed for medical hardship and requested a modification. We were given new terms and they were to begin XX/XX/XXXX. However on XX/XX/XXXX we received a letter from Wells Fargo renigging the modification. I didnt understand up until now the reason they have denied us a modification and its all due to a business tax lien. Now I am no underwriter or banker but the tax lien was filed XX/XX/XXXX. Shouldnt that have been taken care of during the refinance with XXXX. Wells Fargo didnt approve any of our yearly applications for a modification and always said the account was closed due to the homeowners being uncooperative. In addition, we never received any correspondence of denial with the reasons for the We submitted an application every year per their instructions. It wasnt until XX/XX/XXXX when the lien expired did anything happen. We again filled out an application this time we received terms and then we asked for a detailed breakdown of the arrears and they said NO. Why were we not entitled to this information. So this was the last opportunity we were given because as of XX/XX/XXXX we were informed we no longer had the option of modifying the loan. We were given only two options and neither alloowencevgus to stay in our home which we have been in for 28 years. At first I was told the investor changed their guidelines and now I am finding out the decision was made by someone in Wells Fargo. When people hear that we are behind this many years, I have to enlighten them and say that Wells lFargo never made any moves throughout the years. We couldnt make any payments until they activated the account so what were we to do. And now they want to foreqclose on us and we dont see how thats fair.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I called to dispute collections and unauthorized inquiries on several occasions. I have collections on my credit report that was not in collections. I have numerous reporting that I do not recognize and these accusations caused my credit score to drop.

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 2019-03-10
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: Information belongs to someone else

Complaint:
I have student loan accounts on my credit reporting that I did not authorize. I have never applied for student loans due to the fact that I never attended college. This information is incorrect and does not belong to me. I have reason to believe that my personal information may have been compromised.

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 2020-12-02
Company: Dovenmuehle Mortgage, Inc.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle Mortgage is servicing my loan. Insurance was due on XX/XX/2020. As of XX/XX/2020, my insurance was not paid. They overnighted payment upon my request to the wrong address. XXXX cashed the check, then refunded payment onXX/XX/XXXX. Refused to reinstate policy. DMI said they didnt have the returned funds. As of XX/XX/2020, they found the funds with their 3rd party insurance vendor. I have no insurance and a new policy is {$4200.00} versus the {$2900.00} policy I had. I do not feel I should be penalized for the mistake of the servicer not paying the insurance premium on time. It was paid 35 days late by DMI and XXXX refused to reinstate the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: CITIBANK, N.A.
State: PR
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:
Learned from XXXX XXXX notification that my credit score had decreased 5 points on ( XXXX ) due to a open account inquiry by THD/CBNA on XX/XX/2021, and decreased 2 more points on my XXXX credit score on XX/XX/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 non-monetary relief
Consumer complaint received 2018-11-15
Company: COMMERCE BANK
State: AR
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:
XXXX  IS REPORTING DUPLICATE UNAUTHORIZED HARD INQUIRIES COMMERCE BANK AND XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
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:
I attempted to get a loan for an XXXX. There was a system a error an app did not go through. I went to the highest office in the company to get Inq removed. Because I never Authorized. The company has not record of my personal information, I was never sent and Adverse action letter. They are supposed to keep for 2 years. Yet they still use their power to obstruct me from getting INQ removed from the XXXX credit report.

The CEO asst told me specifically they could not find an application or any information but in the same breathe refuse to remove the INQ. They either are lying or committing fraud. Or they are not keeping proper records which is against the law. 


This is the email I sent to the company : Good Morning, I am writing because i am getting no where with your company. I am prepared to write the CFPB and possibly get a lawyer involved here. I would rather deal with you. 

And Inquiry was placed on my credit report after you had a system error which caused an application to not be processed. I have all this information. Plus you have record of an error. I want the inquiry removed. Your system produced and error. No credit should have been pulled. I attached all the proof no application was processed. 

This is a simple fix but XXXX  says i need to go through you. All you have to do i fill out an credit bureau alter. 
I am asking that you do the right thing a remove the inquiry. 

But most of your customer service people have been rude and dismissive. I am willing to take any action within my legal authority to make sure under the laws of FCRA my credit is reported accurately. Your system made a mistake. If there is an error no app was processed no credit should have been pulled. Please respond a.s.a.p.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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:
The following account : XXXX ) XXXX  Recently appeared on my credit report and it is not mine. This information is an accurate and I want it removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transunion XXXX and XXXX failure to respond and are not complying with their own policies in a timely manner.

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 2023-04-13
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:
This complaint is a follow-up to my previous complaint that contains this erroneous account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wan the account to be removed to my file immediately, it is fraudulent and misleading

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 2019-04-06
Company: Waypoint Resource Group, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account with XXXX in XX/XX/XXXX. Proof of this can be seen on my credit report which has the dates of their inquiry on XX/XX/XXXX and XX/XX/XXXX. I do not know why they checked it twice as a hard inquiry. But my complaint is in regards to the collection of a past due bill. This illegitimate bill includes services already paid for and for equipment that had been return to the XXXX store in XXXX, MN in XX/XX/XXXX. This is when the service was canceled and I had moved to a new address. The new address can also be seen on my updated credit report as proof that I had moved, and then consequently canceled the service with XXXX. It is now XX/XX/XXXX and the collection company used by Comcast, Waypoint Resource Group LLC in Texas, suddenly reported it as not being paid more than a year after the service was canceled and paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This problem been persistent. Equifax failed to resolve my issue I even went to extent of filing a police report. Fraud mail is coming to my house. I am a XXXX XXXX, and I am being taking advantage of. 


I have not been successful on getting rid of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
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: Personal information incorrect

Complaint:
After looking at my credit report, there is some inaccurate obscene personal information being reported. Listed below are the problems with my personal data. 

My correct name is : XXXX XXXX. My correct address is : XXXX XXXX XXXX, XXXX  XXXX, XXXX, North Carolina XXXX Please delete all other names, as they are inaccurate. Please also delete all other addresses from my credit report as no mail is deliverable to me by the United States Post Office, through these addresses and are therefore not reportable as per the Fair Credit Reporting Act ( FCRA ). All items listed are inaccurate and must be immediately deleted. Once complete please send me a copy of my updated credit report which reflects the deletions I have requested. I expect a response within 30 days. 

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 2023-10-11
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2023 I emailed Navy Federal Credit Union requesting that they adjust my credit card interest rate to the 6 % cap that Louisiana statute RS 29:312 states. I included my XXXX XXXX military orders that show I am currently stationed in Louisiana but they denied my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccuatate information as you are in violation. According to the 15 USC 1681 there should be any damages 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 explanation
Consumer complaint received 2023-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Experian Information Solutions Inc.
State: PA
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 sent them a request on XX/XX/2018 to send me all the information about the car loan, the repossession and the sale of the car. they refuse to send me any paper work because I am the co-owner of the vehicle. they stated that all information was sent to owner ( who lives 3 hours away ) and states that she has not received any thing from them, including information about getting the vehicle back or how much the vehicle was sold for or where. been trying for years to resolve this issue, but getting no satisfaction. the amount owed changes constantly on the credit reports and is never reported accurately on all three.

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 2020-12-02
Company: HYUNDAI CAPITAL AMERICA
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought a new XXXX XXXX XXXX from XXXX XXXX in XXXX, KS in XX/XX/XXXX. I received a loan from Kia Motors Finance. I then paid the vehicle off in XX/XX/XXXX. I wrote a letter to the company certified mail to : Kia Motors Finance Attn : Release of Title XXXX XXXX XXXX XXXX XXXX, CA XXXX Post Office Article # : XXXX Company receive date : XX/XX/XXXX I went to the Kansas DMV on XX/XX/XXXX and the company still hasn't released my vehicle title. I've been waiting on this title for over a year. My advice to everyone is DO NOT get a loan from this company.

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 2023-03-20
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CONVERGENT OUTSOURCING , INC . 
Settled with me on XX/XX/23 for {$300.00}. I asked for a letter of verification that said I paid, first I was told 48 hours then 72 hours. Then I checked my credit score and what wasnt paid said was still owed. I know they have a copy of the conversation and I do too. Now if this isnt investigated the right way I will contact a lawyer and the fact I have to go through this I want this off my credit immediately and Ill see what my lawyer says about the scam.

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 2018-02-13
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Original account was XXXX XXXX/XXXX. Acct No XXXX. 
XXXX XXXX XXXX XXXX, MN XXXX I do not owe this bill and know it. Many attempts were made, and I have challenge this debit for two years. I have repeatedly asked XXXX XXXX to confirm the debit that I owed the amount ~856.00 or remove it from my credit profile. with no notification account was sold. Thus, in XX/XX/XXXX XXXX XXXX removed the account from all 3 reports. Subsequently XX/XX/XXXX the account showed up on my XXXX credit report. with out proving their case XXXX XXXX sold there claim to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX This debt collector has failed to contact me as of XX/XX/XXXX and their report date shows XX/XX/XXXX ( nothing was there till XX/XX/XXXX ). XXXX XXXX has taken action to report on my credit report with out proof of debit. I have responded by sending XXXX XXXX a letter that demands proof that the debit was actually incurred by me. ( Logic dictates if XXXX XXXX could not prove their claim neither can XXXX XXXX ). 


I feel your agency is the last hope for an equatable solution to this harassment. thank you for your in advance help XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-25
Company: EQUIFAX, INC.
State: OH
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 my information was used without my information to apply for a FRAUDULENT CREDIT INQUIRY. I have contacted both the furnisher and credit bureau notifying of this unauthorized acitivty on XX/XX/2021 XXXX XXXX I did not apply this fraudulent inquiry need to be immediately removed by Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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:
My score was at XXXX last month. After my dispute of an old collection that I have reached out to numerous times to get dropped off for payment ( USAA ). The dispute completed and dropped my score XXXX points after the completed dispute. My bills are paid on time and my credit ratio is superb. Its currently showing I have 97 % of my credit available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions 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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were listed in my file without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I went on transunion website to try to get my report and now they are saying they are not able to verify my information. I was also denied for two loans because they can't verify my identity due to pulling reports from transunion... I have always been myself and would never steal anybody else 's identity

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