BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: I.C. System, 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:
Good Day, My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE 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 2018-11-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am no longer living in the USA. I have {$38000.00} remaining in an account at Wells Fargo that I need to transfer to my new account abroad. They refuse to raise a {$5000.00} online banking daily transfer limit. The only way they say I can do this transfer is by going into a branch which is obviously not an option. They are doing this so that they can repeatedly charge me wire transfer fees for multiple {$5000.00} charges. I have been trying to get them to raise this limit for 2 months now. They are holding my money hostage!

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 2018-11-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
New HSBC Gold card advertised as 0 % interest and 0 % transfer balance fees for 18 months. Applied for and received new card approximately XX/XX/XXXX. Card # XXXX XXXX XXXX XXXX. Executed balance transfer request XX/XX/XXXX from XXXX XXXX card to HSBC in the amount of {$3500.00}. Discovered today a " finance charge '' of {$140.00}. NOT explained in advertising or identified at time of balance transfer request. HSBC refuses to waive the charge upon my request. This is a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: ERC
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:
Good Day, My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Paypal Holdings, Inc
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a Paypal Pay in 4 Installment loan on XXXX for the amount of {$890.00}. I have used the service many times in the past and are being denied and given a notice with an incorrect or fabricated reason stating the current balances are too high. My current balances with Paypal pay in 4 are {$200.00} and the only other credit I have with them is a credit card with a {$30.00} balance. When I reached out to a representative through their messaging center I was told " Because of to the latest system update we no longer have access to view the exact reason and explain the decision reason you've received as to why you were declined. '' I believe this to be a violation of 12 CRF Part 1002.9 which states " If credit is denied, the applicant must be given the specific reason for the credit denial. '' to which the paypal representative confirmed is not available to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
PAID FOR CREDIT REPORTS TO CORRECT ERRORS ON MY CREDIT FILE, FILE DISPUTES WITH NO RESULTS.. ITEMS ON MY REPORT ARE NOT MINE XXXX CONFIRMATION NUMER XXXX  FOR CREDIT REPORT Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$950.00} XX/XX/XXXX {$85.00} PAYS 31-60 DAYS Closed Accounts Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$7200.00} XX/XX/XXXX {$7200.00} CHARGE-OFF XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} COLLECTION ACCOUNT XXXX XXXX XX/XX/XXXXShow Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$45.00} XX/XX/XXXX {$45.00} CHARGE-OFF {$2500.00} XXXX XXXX XXXX XXXX Show Details XXXX   XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2300.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX   Show Details XXXX  XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX 120+ DAYS PAST DUE THESE ARE NOT MY ACCOUNTS AND I HAVE CALLED XXXX AND XXXX AND FILED COMPLAINTS IN WRITTING WITH NO RESULTS TO CLEAR THESE FROM CREDIT FILE.

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 2023-03-10
Company: Innovate Managed Holdings, LLC
State: AZ
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

I'm very scare that someone, use my personal information and report and credit bureau. Identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Please find out whos using my personal information and I had a bad credit history on my credit history now. please help 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 2018-07-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I was informed XXXX XXXX XXXX was removed from my report through Experian via copy website. I have disputed this item several times since it is not accurate and paid to original lender. However, when I tried multiple times to get updates from the original credit lender XXXX XXXX aka XXXX XXXX ( which both populate on my report ) they then sent to collection after years of being paid ; very weird company. My credit report pulled XX/XX/18 by XXXX-XXXX does not have this item on my report through Experian. This has also een resolved with XXXX and XXXX whom updated my report accurately. I have attached several documents through Experian website previously.

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 2018-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm no longer disputing my student loan information and I'd like those remarks removed. I've been having a hard time getting the remarks removed.

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 2019-11-13
Company: EQUIFAX, INC.
State: CA
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:
I am having problems getting the XXXX 30,60, and 90 days removed off my credit. I was not properly notified that XXXX or XXXX XXXX was going to report to credit report. I am XXXX so could not read the bills because not XXXX  and no one communicate over the phone. I contacted the bank multiple times one staff told me it is not there responsibility that I XXXX. I also called the automated system does recognized my ssn number and being forced to stay on phone for at least 45 minutes. 
I believe the company violated my rights because I am not properly getting accommodation for my XXXX. I reached out to the company over 90 day period and was told could not find my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I lost my job and requested a forbearance which Wells Fargo denied. I in turn paid the past due payment of 3 months in XX/XX/XXXX. I then received a forbearance from Wells Fargo to supposedly assist me in XX/XX/XXXX. The agreement was that I would start my payments in XX/XX/XXXX and the difference of the forbearance would be due at the end of the agreement in XX/XX/XXXX. I was instructed to call them if I became employed which I did. The following day without any notice or contact Wells Fargo removed my forebearance agreement and put me in foreclosure. However they continued to accept my payments and never advised me there were any concerns. I was not aware until XX/XX/XXXX when they stopped accepting my payments and left a notice on my door. I didn't find out until later that Wells Fargo stated I defaulted using the payments they agreed I didn't have to pay in the forebearance until the following year XX/XX/XXXX. They would not let me pay the account and forced me into foreclosure. They lied and said they served me while I was at work. I've been trying to rectify this with Wells Fargo for years but they have refused to remove the negative information. They claim the forbearance was cancelled once I had employment but that's not in the agreement information nor did they advise me of this or contact me. They put me in foreclosure one day after I contacted them telling them I was employed. They have since made me pay them an additional {$10000.00} to pay off the mortgage after they forced me into foreclosure. They intentionally wouldn't accept my payments starting in XXXX and didn't file foreclosure paperwork until XX/XX/XXXX to make it look like I wasn't paying.

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 2021-04-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX / Chapter XXXX Bankruptcy XXXX / Chapter XXXX  Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: SN SERVICING CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was compelled to file another XXXX XXXX, again further damaging my credit history on this same matter of requesting a loan modification, this time ( the servicer ) requested more information on XX/XX/2022, and that information was submitted ( see attachments ) on the same day. Days prior, the Maryland Homeowner Assistance Fund ( HAF ), requested modification records to be forwarded to : XXXX, XXXX XXXX, XXXX, Case ID # XXXX, on XX/XX/2022, again no response. Its obvious this non-responsiveness is a conspiracy to not process a loan modification and my XXXX XXXX XXXX assistance. I wish that you investigate this matter, if necessary, I will escalate these matters to : XXXX. XXXX XXXX XXXX XXXX ( submit ) Privacy Act Form XXXX. Office of the Comptroller of the Currency XXXXXXXX XXXX XXXX XXXX XXXX. Office of the XXXX of XXXX XXXX ( XXXX XXXX XXXX ) XXXX. Federal Trade Commission XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Experian Information Solutions Inc.
State: RI
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:
I sent a Dispute letter on XX/XX/2021 and XX/XX/2021 stating that an old account was over 7 years and I sent proof of that, the company has change 3 times of information to stay on my credit report and when I ask why, Experian just mention that this company is right and it will stay on my credit file for longer, even thought is over 7 years old, is closed and never sent me any evidence that they investigated or received anything 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 2020-10-19
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Requested that XXXX payment be split as follows : {$150.00} Payment and $ {$590.00} to Additional Principal, for a total check amount of {$750.00}. 
Instead they put {$150.00} to Payment, {$10.00} to Late Payment from earlier month, and {$540.00} to Escrow Only payment based on XXXX total check amount of {$700.00}. 
Then they reported my credit to XXXX  and XXXX. They, in turn, reported to XXXX XXXX. The reports show the following : XXXX  reported a balance INCREASE of {$1300.00}. on XX/XX/2020, and XXXX reported a balance DECREASE of {$1300.00}. on XX/XX/2020. THEY ARE NOT CORRECT!!! 
I have filed formal complaint with XXXX  and also just filed a formal complaint with the XXXX XXXX. Spoke on the phone to a Tier 2 agent at mortgage company and sent them a fax. They said it would take 20 days to reallocate money to correct category and that they will NOT send a confirming email or letter. 
Not the first error from XXXX  or from the mortgage 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 2018-11-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I would like the CFPB to make me a spot check of the abuses going on with the servicers and investors in the rapacious mortgage industry. 
I truly believe I have now PAID {$320000.00} of {$580000.00} I DO NOT OWE and lost a duplex to wrongful foreclosure. There are deeds of trust recorded with duplicate releases and subordination agreement to mortgages I have paid or never had and assignments of deeds previously paid. I believe I have paid debt buyers for credit cards that were first of all prepaid from my escrow account repaid in the payments I made to the cards AND finally discharged in a bankruptcy I did not need on debt I did not have. Disbursements were added to the mortgages first to the property I lost because of it and then added and now paid to the modification of home loan. Finally I also believe claims were made to a XXXX XXXX seasoned trust that they thought I owed and paid and then transferred to another servicer. 

I borrowed {$210000.00} in XXXX. I have literally paid {$720000.00} to principal. 

I had an {$82000.00} line of credit that was extinguished -because it was paid. 

I owed {$43000.00} for my duplex in XXXX paid {$70000.00} and owed {$53000.00} at the foreclosure for the {$13000.00} added in a refinance. AND I believe was already included ( addeded into my home loan by XXXX XXXX-one of the companies paid twice ). I believe another loan I owed for a property I had sold with a wraparound mortgage was attached through subordination agreement to the duplex and didnt count the {$47000.00} I believe I overpaid and was never mortgaged and I did not owe to anyone. 
I have submitted mounds of documentation to the Cfpb and made 2 submissions to the independent foreclosure review. ( That SPS can not provide and XXXX XXXX and XXXX did not provide and XXXX XXXX has yet to provide ) I was included in multiple class action suits administered by XXXX XXXX and have received exactly {$0.00} in compensation or restitution from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
A charge off was re-inserted into my credit report after being deleted for several months. I did not receive no such notification. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for blatant disregard for the law.

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