BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-02
Company: WELLS FARGO & COMPANY
State: UT
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:
Massive frustration after many months to get a bad account off my credit, I can not buy a home until this happens. Wells Fargo Cash on Demand # XXXX XXXX XXXX XXXX is from XXXX, my ex-wife opened this for a school loan when we were married, at the divorce and clearly stated on the final divorce decree, this debt will remain with my ex-wife, she agreed it was hers, this was XX/XX/XXXX, and Wells Fargo seems to think as the secondary on the note they could come back to me if she quits making payments, I guess after it went to collections a few years ago, my ex agreed to a payment plan to settle the debt, looks like that will take years, Wells Fargo admitted to me that she has been making on-time payments for a few years. My attorney has told me that even if she defaults again, Wells Fargo can not make me responsible whereas the court has taken that from me thankfully.I have spoken with Wells Fargo numerous times and have finally worked my way up to management, XXXX XXXX, I hope I have her name right in the Executive Office, she just sends me to other departments and I have not yet found anyone willing to help, this is a horrible injustice to me, to keep me from buying a home for a account I have no power or ability to resolve, and the blatant disregard to at least try to help is criminal, they are no longer returning my calls, I have remained kind and patient. Please Please Please help me with this, really do not know where to turn, with all the negative press and news coming out of Wells Fargo I am not sure why they can remain in business, one of the folks in collections told me Wells Fargo has gotten way too big and there is no way they can service all they have out, just as a note my ex wife applied for this credit using my name and SS # without my permission, their so-called fraud dept was no help at all, please let me know what more you need from me, I am desperate and homeless, no rentals here in Utah and its killing me, Thank you, 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 2020-05-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I noticed many unauthorized and fraudulent credit inquiries on my credit report, which is causing me alot of problem. I just realized that in the process of applying for a mortgage to purchase a home. I never authorized this inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Experian Information Solutions Inc.
State: NY
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 had a collection account on my credit reports from Experian, XXXX   and XXXX from XXXX XXXX XXXX for several years. The information was wrong. I went to court with XXXX XXXX XXXX on XX/XX/2017. Their case against me was dismissed with prejudice meaning they can never bring he cases against me again. I immediately submitted copies of the judgement from the court to the three reporting agencies and asked them to remove the collection account from my credit reports. I was told it was not removed because when they check with XXXX XXXX they insist it remain on the report. I have explained to them multiple times that a court ruled in my favor on this issue and I have sent proof but they will not remove the item. I do not understand why. How can this item be finally 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 2020-08-28
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Had a mortgage with NewRez LLC as the servicer. I refinanced with a different mortgage company and NewRez LLC received payment in full for the mortgage I had with them on XX/XX/2020. On XX/XX/2020 I contacted them to make sure the check for my escrow funds and any overpayment had been issued. I was told the check was not cut yet and that it can take 30-45 days to return my money. This is unacceptable - they have thousands of dollars of my money that they owe me and I have never had a mortgage company take more the 3 weeks from funding to return my money. I want my money issued immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, XXXX  and TransUnion consumer as a " charge off '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.

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 2021-04-30
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Old information reappears or never goes away

Complaint:
ON XX/XX/XXXX, I ATTEMPTED TO SUBMIT A DISPUTE TO XXXX, XXXX  AND XXXX  FOR THE FOLLOWING AND I WAS NOT ABLE TO. I RECEIVED MESSAGES THAT A DISPUTE WAS UNABLE TO BE PROCESSED ONLINE, HOWEVER, XXXX, XXXX  AND XXXX  ARE HOUSING INACCURATE INFORMATION ON MY CREDIT REPORT. FOR THE COLLECTIONS ACCOUNT FROM THE CREDITOR FAIR COLLECTIONS AND OUTSOURCING, THEY ORIGINALLY PLACED A COLLECTION ACCOUNT ON MY CREDIT REPORT ON XX/XX/XXXX AND IT HAS BEEN ON MY CREDIT REPORT FOR OVER SEVEN YEARS. IT SHOULD HAVE BEEN REMOVED ON XX/XX/XXXX BUT XXXX, XXXX, AND XXXX  CONTINUE TO REPORT THIS INFORMATION ON MY CREDIT REPORT. ALSO, THE CREDITOR CONTINUES TO UPDATE THE DATE OF REPORTING IN ORDER TO KEEP THIS NEGATIVE INFORMATION ON MY CREDIT REPORT LONGER THAN SEVEN YEARS. THIS NEGATIVE INFORMATION HAS BEEN ON MY CREDIT REPORT FOR SEVEN YEARS AND DUE TO FAIR CREDIT REPORTING ACT, IT IS REQUIRED TO STAY ONLY SEVEN YEARS, THUS I AM DEMANDING AN INVESTIGATION BE DONE INTO THIS AND THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Mr. Cooper Group Inc.
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Mr. Cooper, XXXX XXXX XXXX XXXX, XXXX , TX , about late fees on my account total {$250.00}. Mr. Cooper do not have a problem withdrawing my mortgage from my bank account every month on time since XXXX, XXXX, now the company is complaining of late fee I need to pay. I am confuse how this company like to complain about late fees when they are receiving the mortgage payment every month on time. I do not trust Mr. Cooper. 

I work everyday, I pay my mortgage on time every month, and I am near retirement, I need no one complaining about late fees put on me to pay, I'm stuck with this company for some years. I wish the company be investigated taking advantage of the consumers. 

Mr. Cooper have no problem receiving my mortgage during XX/XX/XXXX, in XXXX the company start complaining about late fees also, withdraw mortgage from my account on time, in XXXX complaining again about late fees and did withdraws from my account for mortgage on time. My payment are put into the system every two weeks on time and the mortgage company receive on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: VA
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:
my name is XXXX XXXX with XXXX # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan so please dont make things hard for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I contacted the debtor on XX/XX/XXXX. requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

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 2018-07-08
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/2018, Nelnet changed their policies regarding how payments are applied. They now apply 100 % of every payment to the Group ( A ) with the highest balance. This means Group B never has a payment posted to it. I have to call every month and ask that they reapply the payment to both Groups A and B. I have submitted six complaints to Nelnet. Their initial reply was in XX/XX/2018 in the form of email and hard copy letter promising to apply my payment to both Groups. Leaving Group B 'unpaid ' results in interest accruing at amounts higher than the monthly payment plus interest accruing on top of interest ; thereby, making it nearly impossible to pay off the balance at a later date. Also, Nelnet automatically places 'unpaid ' debt into deferment or forbearance without approval from the borrower. They've done this to me in the past when misapplying another payment. I last spoke with Nelnet in  the beginning of XX/XX/2018and the man on the phone denied everything. He denied that Nelnet places loans into auto deferment and forbearance. Then he said that the special instructions regarding payment application on my account was not noted properly and it takes them two weeks to manually adjust my account. This phone call was 30 days ago and I'm still waiting for them to re-apply the payment correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
On XXXX XXXX I contacted capital 1 bank by phone to acquire about my direct deposit not being seen in my checking account I have with them its when I was informed that my account was negative for XXXX for 30 days so they closed my account and my direct deposit in the amount of XXXX was received but wouldnt be available due to the bank removing what I owed already and a check with remain balance will be sent out. On XX/XX/XXXX I called again they assured me that it was mailed out and I should receive in the mail. On XX/XX/XXXX I called again to inform that I never received it so they tracked it showing never cashed then said Id receive another on XX/XX/XXXX I called again to ask what happened I never received my check they then said a affidavit would be mailed so I can sign them send back before reissue for another check but I still never received a affidavit or a check. Its now almost XXXX and they still never sent anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this information several times before and still the inaccurate information keeps being verified and reported inaccurately. With the last dispute open on XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018. I am fully aware of my rights under the FCRA Section 601 and the right to sue for punitive damages including reputation, deformation of character and pain in suffering. It is XXXX due diligence to investigate thoroughly by law. I am providing again a letter in which I enclosed in my most recent dispute from XXXX XXXX.

I have also disputed with XXXX   XX/XX/2018, XX/XX/2018, XX/XX/2018. I have also disputed with Experian XX/XX/2018, XX/XX/2018,XX/XX/2018, XX/XX/2018.

I have called XXXX XXXX  several times and they keep telling me they sent the information over to 3 credit bureaus.

This item XXXX XXXX  is inaccurate or because I have made all on time monthly payments from XX/XX/2018 through XX/XX/2018. I am requesting that the item be removed because you XXXX has failed to update with correct information. According to dispute completed on XX/XX/XXXX the balance is {$15000.00} with the last payment received XX/XX/XXXX THAT IS OVER 7 MONTHS AGO!!! My monthly car installment loan payments are not being reported!!!! I am beyond frustrated and I have contacted XXXX XXXX directly and they have indicated they have reported all the information on my account to you XXXX  and they even sent me a credit rating letter which I furnished to you, so you can have updated records and yet you still did not accurately update. XXXX XXXX is indicating you XXXX  are the party in this matter not reporting information accurately.

This is my final notice!!!!!!! I have also called Texas Attorney General, FCRA and an Attorney. They are aware of my complaint and will proceed as necessary if the following account XXXX XXXX is not deleted. The time has passed for the update of the information that is why I am asking to have the information to be deleted.

I am in the process of buying a house and because of this situation I can not. My credit and reputation has been compromised by reporting agency.

Enclosed are copies of the Credit rating letter I furnished XX/XX/2018

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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-08-28
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: Their investigation did not fix an error on your report

Complaint:
I have provided information to Experian multiple times proving that I do not owe XXXX XXXX  XXXX anything, and that they actually owed me money at the time I canceled my policy. The cancelation documents clearly state this. Therefore I don't know why experian refuses to remove this fraudulent report from 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 2021-02-04
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: Personal information incorrect

Complaint:
To Whom It May Concern : I have sent two letters to Equifax requesting the incorrect information be removed from my credit report. The address were removed that don't belong to me but they removed the incorrect name. I am remarried and my name is not affiliated to XXXX. 

My drivers license and social all have XXXX XXXX. I received no notification from Equifax to confirm and my letter clearly stated to remove XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: EQUIFAX, INC.
State: MN
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 accounts listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX, {$14000.00}, XXXX XXXX  XXXX XXXX XXXX, {$5000.00}, XXXX XXXX   XXXX XXXX, {$30000.00}, XXXX, {$3400.00}, XXXX XXXX XXXX, {$500.00} and XXXX XXXX/XXXX XXXX   XXXX, {$1800.00}. I been receiving harassing and threatening telephone calls at XXXX XXXX and XXXX XXXX  of profane and abusive language from the listed creditors regarding a debt I dont owe the creditors for, because the accounts are fraudulent and not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late US DEPT ED XXXX not mine

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 2021-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Submitted a dispute with Capital One bank stating that the debt nor the address that was attached to the debt does not and has never belonged to me. The account was opened for XXXX $ In XX/XX/2018 please help me remove this from my credit report it is clearly inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Exeter finance has used several hostile formats of communication and purposely left me without excess to my account information for the vehicle they are in charge of financing. I have called multiple times attempting to update my personal contact information as to phone number as well as to receiving bills to my old and new home address. When calling into exeter they have been argumentative and outright refused to update my contact information as well as provide me with the billing and finance details of my car loan. At this point since exeter refuses to obey the federal and state guidelines on this matter I have consulted an attorney and will be proceeding with service in that matter soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to a CHASE ATM to withdraw money from my XXXX XXXX acct. Where I receive my Soc. Sec. Benefits. When I got to the step where the CHASE ATM would dispense my money the Atm had a " TECHNICAL DIFFICULTIES " message. So I grabbed my card and called to double check my card balance, and even though I received no money, the XXXX $ that I tried to withdrawl was deducted from my checking acct. A XXXX # from CHASE popped up and I called it, the lady said just go into any CHASE branch and they could fix it and get my money to me. Well 2 Different CHASE branch said they could do nothing bout it cause I Ai n't a CHASE Member. My XXXX XXXX card company said they have to do an investigation, and I might get my XXXX $ in 45-90 days. I am XXXX and it 's my only sorce of income. This happened XXXX XXXX 2017, I went to the CHASE branches on XX/XX/XXXX & XX/XX/XXXX. Spoke to them on XX/XX/XXXX,XX/XX/XXXX And XX/XX/XXXX.

Company response to consumer: Closed with explanation