BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX CO XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are requesting copies of account ledger from XX/XX/XXXX through XX/XX/XXXX. We are also requesting copies of Mortgage statements from XX/XX/XXXX through XX/XX/XXXX and copy of Trial plan offer. The lender has not comply with our request

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: NATIONWIDE ACCEPTANCE LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every morning I get a call from Nationwide ( the company that i got a loan from ), during business hours when Im at work and I keep repeating to them not to call me at work to resolve the issue and they still repeat the same thing. Also they call me after XXXX as well. Also yesterday they called me in the morning as well as in the afternoon when I told them not to contact me at work. They usually call me multiple times within the same day as well. I recently told the manager of this company to stop calling my cell phone and they didnt listen to me, and still call me. Also when they call me on my personal number, they not only call from their business line but also several different personal numbers.

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 2019-09-19
Company: U.S. BANCORP
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
US BANK OVERDREW MY ACCOUNT THREE SEPARATE TIMES BY ATTEMPTING TO PROCESS CREDIT CARD PAYMENTS FOR OVER A XXXX DOLLARS ( {$1000.00} ), MADE MY CHECKING ACCOUNT HAVE A NEGATIVE BALANCE FROM REVERSAL OF RETURNED PAYMENT FEES, CLOSED MY CHECKING ACCOUNT, REDUCED MY CREDIT CARD LIMIT FROM XXXX XXXX DOLLARS ( {$1500.00} ) TO XXXX XXXX DOLLAR XXXX ( {$500.00} ). 

SINCERELY. 

XXXX XXXX XXXX XXXX.- XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: The Outsource Group, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I went in for a XXXX  XXXX/XXXX, at the time I hadn't ever had one before so I wasn't aware of why I felt like I was about to XXXX   XXXX. I explained to them my symptoms, which they somehow couldn't determine it was an obvious XXXX XXXX. Instead they started off by giving me a XXXX of XXXX  ( XXXX XXXX ) and then they put me through the ringer ; They ran unnecessary tests on me only to determine I was OK to go home. I was charged {$3000.00} for a drug screen after I told them I hadn't taken anything, yet they insisted I still XXXX in a cup without telling me I would later be charged XXXX for it. I was charged {$320.00} for a XXXX bag of XXXX   XXXX .09 %, HOW?!!? I dare ANYONE to look up how much a XXXX bag costs! Then I was charged {$1400.00} for an XXXX which resulted in nothing, I never said I was having any problems relating to the need of an XXXX, nor was I told that the use of their XXXX resulted in me being bumped up to a Level XXXX out of XXXX ER visit. But here 's the kicker I was charged {$6200.00} for that XXXX XXXX ER visit ... I WALKED IN AND OUT without assistance mind you. 
In total I was charged {$12000.00} for my visit and after insurance I was left to pay {$1800.00} ... Thats more than my mortage, HOI, and taxes combined!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I received a notice that my payment was backed up on a car loan thar i spoke to the bank and reported due to COVID they would push my payments back for three months. 
Today my credit report shows the bank reported 3 months of mis payment when my first payment is on XX/XX/XXXX. 
I asked to correct this and they told me to look for FTC and ask for help as the caught the error on their end and corrected it. 
Please help me or guide me in correcting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a victim of identity theft and was also vandalized. My credit score of XXXX has gone down to XXXX, because of the problems with the identity theft. Up until XX/XX/2018 I was faithful paying on the mortgage on time. 
Important documents like the social security numbers, my mother 's will, a quitclaim and other documents were stolen. I tried to contact the attorney 's office who drafted the will in XXXX California, but their office closed and a new attorney works there. 
Since I was behind in payments, I applied for a state program to avoid foreclosure. I had an opportunity to meet with the mortgage company Mr Cooper with their attorney and a mediator. After submitting documents to the mortgage company for a loan modification ( which by the way they said they would not use my credit score ) I was denied a loan modification because their bank guidelines only take 75 % of the rental income. 
I strongly believe Mr Cooper wants to take possession of the home due to the $ XXXX in equity. They also say I have no legal right to the property, since I have no will stating mother transferred the property to me. I can not prove this will because it was stolen by the thief. I did record a quitclaim at the city of XXXX Oregon. 

They claim I have no legal right to the property, since I am not on title. I can not even sell the property either. 
I was approved for a principal reduction program through XXXX, where they will pay {$50000.00} to make me current on the past due payments and apply the rest of the proceeds to my principal. Mr Cooper would not accept the principal reduction program. They also gave no reason to XXXX as to why they are rejecting the program. 
I have been in this house for 15 years and am XXXX years old. I believe I've been discriminated because I am XXXX and they can take advantage of the fact I'm a senior. Please help me to save my home otherwise I will be the next homeless victim and living in my car, and this is not an exaggeration!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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: Their investigation did not fix an error on your report

Complaint:
I sent a Validation Of Debt letter to XXXX XXXX XXXX XXXX via certified mail ( copy of letter attached ). It was received on XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, XXXX XXXX XXXX XXXX has YET TO APPROPRIATELY RESPOND WITH ANY VALIDATION OF DEBT they are claiming, but are continuing to report this non validated information to the credit bureaus This is a violation of my rights under FDCPA. The bureaus are allowing this non validated information to appear on my credit report, which is a violation of my rights under FCRA. I have attached all correspondence.

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 2019-04-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Date : XX/XX/2011 Amount : {$7300.00} Action Taken : Called mortgage bank, my attorney, seller 's attorney, and title insurance company and all multiple times. 
Re : real estate closing transactions I was asked to pay checks for {$23000.00} even though I was supposed to pay {$17000.00} at the closing. I was also threatened by the bank attorney XXXX XXXX XXXX that If I don't pay everything they are asking for, I will lose my down payment and that I will not be able to close anymore. 

I overpaid {$1100.00} city taxes for the property at the closing. And, there is no account of {$6200.00}. 

I explained everything to the bank but they refused to accept my explanation to them and claiming that bank does not own me any money and that all calculations are correct. 

Hud closing document and title insurance closing documents are not matching either. 

My attorney, XXXX XXXX refused to cooperate with me in any manner after receiving his legal fee from me for doing nothing. He even asked me to bring more money at the closing than I should be bringing. 

Moreover, none of these documents have matching numbers

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 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 filed a dispute with credit bureaus requesting that inaccurate information be removed from my credit report. It has been beyond 30 days and they have not returned any results or corrected the issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions 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:
I reached out to all three major credit bureaus informing them of the errors that they are currently reporting. I am in the process of purchasing a home and was horrified to discover that my information merged with a former roomate. Although at a time we had the same mailing address, I NEVER WAS THE OWNER OF THESE ACCOUNTS. I need them removed immediately. They are causing me distress and impacting the quality of my life. The items that they have been put on notice to remove are as follows :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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:
I reached out to all three major credit bureaus informing them of the errors that they are currently reporting. I am in the process of purchasing a home and was horrified to discover that my information merged with a former roomate. Although at a time we had the same mailing address, I NEVER WAS THE OWNER OF THESE ACCOUNTS. I need them removed immediately. They are causing me distress and impacting the quality of my life. The items that they have been put on notice to remove are as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has aseriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: General Motors Financial Company, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2018, is the date stated on my credit report as an inquiry for an autoloan. I did not submit an application to XXXX. When the customer service department was contacted on XX/XX/18 to dispute the inquiry, I was given an excuse as to why it could not be deleted. I tried another time on XX/XX/XXXX with XXXX, who advised me to contact the company and the same resolution was given. My car was financed with XXXX XXXX and not XXXX XXXX. I do not have an open account with the company at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
As explained in numerous prior CFPB complaints, remediation payment in the amount of {$3700.00} plus estimated taxes was not received, this amount was offered to me by Wells Fargo rep, XXXX XXXX in XXXX of XXXX while speaking over the phone. The payment represents compensation for unauthorized accounts opened by Wells Fargo reps which I did not need or want. Additionally, a remediation payment amount of {$500.00} plus estimated IRS taxes was not received, offered to me during a phone mediation in XXXX or XXXX of XXXX. I moved in XXXX of XXXX, as explained previously and again here, any payment sent via XXXX, XXXX, would not be received if sent by either carrier, which includes old address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Wells Fargo reps including a XXXX  have replied in the past by verifying address, mention a signature waiver which there is none, package containing check ( s ) was supposed to have signature according to a XXXX XXXX whom I was working with at the time of check issue. Please note, the check amount of {$3700.00} is a check re-issue, initial payment sent in XXXX of XXXX, was intercepted by a third party, cashed in my name. It appears person ( s ) now living at old address may have intercepted checks in question, if sent to old address, cashed them in my name. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Most recently, I've been calling Wells Fargo executive phone bank, given various different numbers to remediation department, all of them incorrect, wrong numbers. It appears Wells Fargo reps are trained to give out false, incorrect numbers to dissuade customers from reaching correct dept. In order to obtain correct number, I had to call the company whom issues checks on behalf of Wells Fargo, request number to remediation department and have been calling over a week now with no resolution. I've spoken with several managers including a XXXX and XXXX, both requested check reissue and a new case manager assigned which was originally requested in XXXX. I have yet to hear back in regard to both requests. The last Wells Fargo rep replying to CFPB, a XXXX, referred back to previous replies which merely refer to address provided and do not address issue of non-receipt of payments. It appears Wells Fargo reps refuse to do anything, despite non-receipt, merely verify address they were provided..The CFPB might want to send this complaint to someone else other than XXXX or XXXX XXXX neither rep seems willing to address/resolve issue. Most recently, a XXXX replied by referring back to previous replies, do not address issue of non-receipt of payment

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 2019-04-12
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a Cash App account. On XX/XX/XXXX this I sent a payment of {$100.00} to XXXX XXXX. The payment was accepted by XXXX so I canceled the payment on XX/XX/XXXX. The canceled payment of {$100.00} was still shown to be missing from my checking account so I called my bank XXXX XXXX to describe what happened to get the funds credited back to my account. I thought the situation was resolved til the morning of XX/XX/XXXX at XXXX XXXX  I received two emails from Cash App. The first email was to notify me that my account had a negative balance which was confusing since I had not made any transactions that would have placed my account in the negative. The second email stated the canceled payment I canceled for XXXX XXXX on XX/XX/XXXX was canceled and credited to my cash app balance. But it also stated that my balance was - {$100.00} and to make a payment to cover the negative balance. I tried to get in contact with Cash App but they do not have a working line that allowed me to speak with a customer support rep. In addition to this issues, someone sent me {$81.00} they owed me, and I instead of holding the {$81.00}, the {$81.00} was credited to the - {$100.00} balance. I do not owe Cash App anything, and this is either a glitch in their system, or a case of fraud. Either way I would like this issue resolved immediately! I am going also to file this complaint with the XXXX XXXX XXXX as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have filed disputes with XXXX, Transunion and XXXX regarding my report and inquiries that I did not approve. 

There is an inquiry from XXXX on XX/XX/XXXX with XXXX that I did not initiate or approve. I do not even do business with XXXX often enough to even justify a credit application. I can not contact their credit department either. 

There are 2 inquiries on my XXXX report from XXXX XXXX and from XXXX on XX/XX/XXXX that I also did not authorize. Then 2 inquiries on Transunion on XX/XX/XXXX from XXXX and XXXX XXXX XXXX that I also did not authorize. Then on XXXX there was one from XXXX XXXX XXXX that I did not authorize. I communicated this with them and they have done nothing about these issues. I was informed of ONE credit inquiry and it turned out to be SIX inquiries which has caused so many issues. 

I have a current account with XXXX XXXX Bank and was told they could increase my credit amount but was not informed of the inquiry that took place on XX/XX/XXXX with TransUnion. I am a long standing customer and should have been informed of the correct process. Please remove. 

There is an inquiry from XXXX on XX/XX/XXXX that I did not authorize. I have no reason to have ever applied with XXXX as I live in an area where their service is not offered. Please remove. 

There is also a fraudulent account reporting to my XXXX  from XXXX ... I have never done business with that company nor did I approve them to have access to my information so that is 100 % fraudulent. Please remove.

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 2021-05-24
Company: Resurgent Capital Services L.P.
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am a victim of government shutdown. I need more time to pay my bills. I cant afford to make a minimum payment for a few months. 

I need to defer payments for six months.

Company response to consumer: Closed with explanation