BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-17
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm filing this complaint against wellsfargo mortgage because they have repeatedly not communicated with me on my mortgage application and have repeatedly run my credit, which has resulted in my XXXX  scores going down almost 40 points in one week. 

I have scores of XXXX  XXXX, XXXX was XXXX ( then they ran my credit over 5 times ) and now it is XXXX, and my lowest XXXX was XXXX ( now it is XXXX dropped 40 points ) from all the hard inquiries they did to purposely sabotage me. I '' m enclosing most of the screen shots of my credit and most of the times they ran it as proof. When they wouldn't return my emails or calls, I started to call until they answered me. They told me that they couldn't see my credit and so they kept running it. When I called all the credit bureaus I was told that wellsfargo needed to contact them directly through their business line, because there were profile errors on my reports, causing them not to be able to see it. The credit bureaus told me that wellsfargo should have immediately noticed that the reports weren't coming through and should have contacted them through the direct line open for corporations to establish issues such as what was occurring with me, so as not to cause any drop in scores from multiple hard inquiries. 

Now wellsfargo is denying my mortgage for low scores! Really, I had over the threshold of 600 as my average and now with the 5 times they ran my credit they dropped me significantly. Now they are saying that it requires special underwriting? ON every website wellsfargo states that the requirement for a VA loan is 600 and verifiable income. Both me and my wife make a combined XXXX a year and both have over a 600 in credit scores when you average all 3 bureaus. I have a VA Certificate of Eligibility which backs the loan with federal funds, income, the credit score, and below 35 credit utilization. What is the problem? I'll tell you what it is, an inability to serve people honestly and correctly. Veterans should not have to put up with this garbage. 




XXXX XXXX Mortgage Processor ( SAFE ) NMLSR ID XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX ext. XXXX | Fax 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 2019-04-27
Company: Experian Information Solutions Inc.
State: PA
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:
The following accounts that are listed on my credit report and the letters that I have attached. Here are the issues with the following accounts XXXX College of XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Payment : {$510.00}, Issue : Date open and/or High balance is incorrect ( This account is listed by the Original Creditor and the collection agency they sold it to ) XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$550.00}, Payment : {$550.00}, Issue : This is a duplicate account XXXX XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$210.00}, Issue : This account is not mine XXXX XXXX , Date : XX/XX/XXXX, Account # : XXXX, Amount : {$210.00}, Date : {$210.00}, Issue : This is a duplicate account This information was disputed and came back as verified as with no proof furthermore this information is inaccurate. Some of this information is reported twice and I know that is not supposed to be.

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 2021-09-13
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below was the account that is reporting on my Credit Reports : XXXX XXXX Balance : {$45.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Southern Management Systems Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection company, Southern Management System, is saying that I owe them an amount of {$3600.00}. I have no knowledge of this account. I asked them to validate this amount and I have not been provided with evidence nor a detailed explanation stating the reason behind this amount. Ive disputed this amount directly to the collection company two times in 2018, once XX/XX/XXXX and the second time on XX/XX/XXXX. According to the Fair Debt Collection Practices Act, Section 808 : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law is a violation of this section. Any collection fees or interest that have been added by Southern Management System is unlawful and they should not be reporting this amount to my credit this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have just checked my credit history and saw the following negative impact on my report. Both were in red. Please explain why the balance has increased when I have not received a loan since XXXX. The information came from XXXX stating there has been an increase in debt reported to Navient. I have reached out to them in the past only to be dismissed by a representative saying the report provided was not credible. 
XXXX XXXX XXXX/NAVIENT Balance Increased by {$5300.00} XXXX XXXX XXXX/NAVIENT +Balance Increased by {$3400.00} Updated Account Information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Tebo Financial Services, 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: Account information incorrect

Complaint:
Over the past 12 months ; I've sent over 12 dispute letters and Tebo financial and XXXX  have continued to violate the law reporting inaccurate credit information. Furthermore, this account is in violation of the bankruptcy laws because this account was settled in bankruptcy over 5 years ago and TEBO continues to report this account inaccurately. Because of the inaccurate reporting on the balance continually this account must be deleted under the FCRA. Any continued reporting will result in filing with AG and federal exploration of the FCRA lawsuit because of the injuries nature of this inaccurate information I have been unable to obtain employment, buy a home and/or an apartment. Delete this inaccurate account immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Dear Manager/Executive Office ; I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 
Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 

Sincerely yours ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent EASTERN ACCOUNT SYST, at XXXX XXXX XXXX XXXX, CT XXXX. a validation of debt letter an I still haven't heard from them or received any letter from them validating the debt they say I owe. I sent a letter through U.S postal service certificated mail. I also have a copy of the letter I sent that an both my letter and the one I sent them are notarized by the same person at the same time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had a bank account with TD Bank. As an OPTION I decided to link my XXXX account to TD Bank. XXXX is a completely separate company from TD Bank. Unfortunately I ended up overdrafting and closing my TD Bank account. Since my account is overdraft they are now refusing to unlink my XXXX account ( my personal NON TD BANK account ) from their bank. That way any payments received via XXXX would be funneled directly to them. I stress again, this was an optional service I signed up for. I should not lose my access to a complete unrelated app due to TD Bank. XXXX has said that they are unable to delink from their end, that TD Bank has to delink, but TD Bank is refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: JPMORGAN CHASE & CO.
State: FL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, JPMCB - CARD SERVICE Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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: Account status incorrect

Complaint:
My husband and I, our credit report has been affected significantly because of Rushmore Home Loan misreporting a late in XX/XX/XXXX. After 5 phone calls, we finally received a letter from Rushmore addressing that our loan reflects a zero principal balance as of XX/XX/XXXX. However, per credit bureaus, they need a letter specifically specifying that we were not late in XX/XX/XXXX. Once we receive instruction from the bureaus we made another 3 phone calls to Rushmore customer service to let them know that we need a revised letter stating that we were NOT late in XXXX of XXXX, that the letter received from them reflecting that the loan is at XXXX balance as of XXXX is not been accept it by the bureaus. Per the customer service representative, a request to remove the late had been sent to the credit bureaus. We pulled our credit report on XX/XX/XXXX and the mortgage late still reflects on our credit report. Our fico drops from high XXXX low XXXX down to XXXX & XXXX and affecting to get a good interest rate on our refinance. Please help us get this situation correct it. 
We have been dealing with this situation for the past 5 months and Rushmore has only giving us the run around and affected our opportunity to refinance and get a lower rate on our refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: EQUIFAX, INC.
State: PA
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:
The following accounts that are listed on my credit report and the letters that I have attached. Here are the issues with the following accounts XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Payment : {$510.00}, Issue : Date open and/or High balance is incorrect ( This account is listed by the Original Creditor and the collection agency they sold it to ) XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$550.00}, Payment : {$550.00}, Issue : This is a duplicate account XXXX XXXX , Date : XX/XX/XXXX, Account # : XXXX, Amount : {$210.00}, Issue : This account is not mine XXXX XXXX , Date : XX/XX/XXXX, Account # : XXXX, Amount : {$210.00}, Date : {$210.00}, Issue : This is a duplicate account This information was disputed and came back as verified as with no proof furthermore this information is inaccurate. Some of this information is reported twice and I know that is not supposed to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2017-11-27
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:
On Monday, XXXX XXXX I was notified that my XXXX credit card was used in Florida ( I live in California ) and it was maxed out. I then spoke with the credit card company and they addressed the issue swiftly. However, when I took a deeper dive into my credit I realized that I was a part of the Equifax breach ( I was never notified by Equifax about this ). I then looked my credit report and realized that someone just added a new address in XXXX, Florida. This is a fraudulent address and it is only showing up on my Equifax report. That being said, I have called 9 times now with a cumulative amount of 9 hours waiting to discuss with someone on the phone. Each time after just about an hour on hold they hang up ( I have picture documentation of this ). Then I submit the dispute via the Equifax website on XXXX XXXX. I received the response to the dispute on XXXX XXXX, and the first time I opened the page it says there are no disputes pending. The 2nd time it says it can not help me because my information does not match my report. I have included screenshots on both on this complaint. My credit score has taken a hit due to this, there is now a fraudulent address under my credit file, and there is no way for me to resolve this with Equifax. This can have a long term affect on my credit and for a business to not accept responsibility or help assist is unacceptable. I am turning to you all to help before this gets worse. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have paid off my mortgage on XX/XX/2018 for my primary residence against a US Bank home loan. 

It has been more that 18 weeks now and I have not received the Reconveyance deed from the bank. I have made numerous calls to the customer service and every time I am told that they will process it and send it in the next few days, yet nothing is received at my end. Couple of times the representative told me that my payoff had fallen through the cracks and they needed to research it.

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 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX WY XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-05-04
Company: Medical Data Systems, Inc.
State: NC
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 disputed Medical Data Systems and XXXX XXXX on my Credit Report on XX/XX/2020 and XX/XX/2020 letting them know that the collections on my credit file do not belong to me. They did not provide verification of the debt and continue to report these negative items on my credit. I have a letter from XXXX XXXX even telling me they will delete the negative item 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 2020-01-15
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ally bank placed a 6 month hold on my deposit check from selling my vehicle to XXXX. The check was for {$15000.00}. Ally made none of the funds available. They told me the hold was because of the size of the deposit. They told me the hold was because I had overdrafted twice. They told me that if I had deposited into my other ally bank account, there would have been no hold at all and I could have transferred the money over. They told me they would expedite the clearing. All of this is documented and verifiable. https : 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 2020-01-15
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: Account status incorrect

Complaint:
I have been awarded a permanent and total XXXX discharge for my student loans. However, my accounts reflect a negative status.

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 2019-04-27
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account : XXXX Amount : {$1100.00} USPS Certified Tracking # : XXXX Mail Date : XX/XX/2019 I've requested that Midland Credit Management / Midland Funding LLC validate the debts they claim I owe which includes proof that I am indeed the party they're are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I specifically requested for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA which included the following : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation