BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-22
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Was on XXXX XXXX and sustained a XXXX XXXX injury that transferred me to the XXXX XXXX XXXX XXXX in XX/XX/XXXX - XX/XX/XXXX. Tried to lower my mortgage payment through loan modification with Wells Fargo as I could not sell or rent my home at that time, was dealing with health issues, and was going through a divorce. Lender Wells Fargo told me to not pay my VA Mortgage, as they could only help me if I was behind on payments. After months of submitting paperwork, and making payments to their modification program, I was denied modification and my VA loan was put into foreclosure ( I was on XXXX XXXX with XXXX XXXX ). Was forced to short sell my home during the housing crisis in XX/XX/XXXX or face foreclosure. Wells Fargo then filed against my VA loan eligibility for the loss in the short sale - this was never communicated it could happen to me by Wells Fargo, or my agent. I still to this day can not get a full VA home loan due to this debt that Wells Fargo fraudulently set me up for. I have spoken with Wells Fargo many times, appealed, they will not help. I asked my congressman, XXXX XXXX to help, and the department of Veterans Affairs does not have a program in place to address this issue. I was taken advantage of during a time when I had multiple XXXX and was under doctors care - as well as being protected by Acts for XXXX XXXX soldiers. I need help, as for 7 years I have tried to remedy this issue and no one will or wants to help me, including the creditor. I was medically retired 100 % VA service connected in XX/XX/XXXX due to my injuries. I communicated my health issues to Wells Fargo, and they took advantage of me while injured on XXXX XXXX with the 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 2018-03-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX XXXX sent an electronic check in the amount of {$930.00} to Wells Fargo in my behalf toward a home mortgage. 
On XX/XX/XXXX the {$930.00} was refunded to my bank account I was contacted mid XXXX by Wells Fargo stating that I had not payed my mortgage and that their system had changed. They would no longer be accepting the E-Checks and I would have to resubmit paper checks to a new address for mortgage payments. 

On XX/XX/XXXX I notified XXXX of the changes and resubmitted two paper checks ( both ) in the amount of {$930.00}. 

I was contacted mid XXXX by Wells Fargo stating that they had not received my mortgage payments and that I was now three months behind. XXXX XXXX XXXX were notified and got in contact with me recommending that I place a stop payment on the checks that " they did not receive '' and make new payments. 

On XX/XX/XXXX XXXX provided me with printed copies of the paper checks signed and payee endorsed by Wells Fargo on XXXX XXXX XXXX and told me that they could no longer place a stop payment on these checks. 

On XX/XX/XXXX After weeks of futile talks with Wells Fargo Reps on the location of my money I sent a fax ( upon their request ) of the copies of the endorsed paper checks. 

On XX/XX/XXXX I made a follow up phone call to see if they had received the fax. I was told that they were investigating the case and that no further information could be given pending completion of send investigation. They estimated completion by XX/XX/XXXX. 

On XX/XX/XXXX Still having not heard from Wells Fargo, I made a follow up call and was given an e-mail address to one of the " investigators '' and told to send him an email detailing what was going on. I am currently waiting for a response ...

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 monetary relief
Consumer complaint received 2019-09-25
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EOS Holdings, Inc.
State: SC
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:
The there was a dispute that came back unfounded. This mark on my credit report is well over 7 years old. The reporting is starting with a date of when the account was purchased by a collection agency which isnt legal. Its the EOS report on my cretic report which started from a XXXX account that was never mine well over 7 years ago. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have received several unsolicited credit card offers from USAA. When I call to ask them to remove my name, they tell me I have to send my request via fax. Why should I have to do this when I did n't request it? Other companies take my information over the phone with no problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I informed Santander Consumer USA on XX/XX/XXXX, that I am in the process of filing bankruptcy but have continued to receive multiple phone calls. I contacted them again in on XX/XX/XXXX, and told them to please stop calling me as I am currently filing bankruptcy but they have continued to call. Santander Consumer USA has placed at least 79 calls to me 3 times per day using 3 different phone numbers since XX/XX/XXXX. Santander 's harassing and aggressive behaviour are one of the main reasons I've decided to file bankruptcy as they refused to refinance or lower my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
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: Their investigation did not fix an error on your report

Complaint:
I have sent out a method of verification request to the credit bureaus and all they have sent back to me was the account was verified, or that they have updated information in my credit file with the note : NOT SPECIFIED. I then sent another dispute letter regarding all incorrect, inaccurate, unverified information on the account " XXXX XXXX XXXX '' ( XXXX ). The creditor has " updated the information. I recently I have noticed that XXXX  has not shown any time that I have disputed information with them in the past. TransUnion has stated that they do not provide the documents that are required for proper verification. So I am lost, if the FCRA indeed states that method of verification is indeed the credit reporting agency obligation, then why come TransUnion, XXXX, and XXXX  can tell me anything different?

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 2018-12-14
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A fraudulent charge appeared on my statement. I called the credit card company at XXXX XXXX  EST and spoke to XXXX. He wasn't at all helpful. He wanted to me to do things I was not comfortable doing.

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 monetary relief
Consumer complaint received 2018-12-14
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: Their investigation did not fix an error on your report

Complaint:
I opened a Federal Student Loan to attend College after I completed my Education I became permanently XXXX and could not work. I requested that the lender forbear my account because of my medical situation. The Loan only had my account in forbearance for a short period and even after my continued request for Loan forbearance the servicer reported negative account information to the Credit Reporting Agencies. I have since had my Student Loans completed discharged because of my permanent medical condition however the Prior Federal Loan Servicer continues to report my account negative even though it has even past the 7 year statue of limitation.

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 2019-09-25
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Equifax has been reporting negatively on my Social Security Number which is defined by congress as my credit card. Equifax is in fact furnishing negative information on my consumer report without being engaged in contract, without permissible purpose. 

On XX/XX/21 I mailed Equifax an Affidavit of truth and Cease and Desist, and Invoice letting them know to cease illegal activities. They are in fact violating 15 USC 1681 b ( 2 ), they have been reporting without my consent and reporting negatively on my reputation on consumer credit transactions which should ne excluded form a consume report via 15 USC 1681a ( B ). Equifax then responded on XX/XX/21 letting me know that they have in fact completed a reinvestigation which was no what I asked for under my corresponding Affidavit of truth and Cease and Desist. 

15 USC 1681a ( e ) - " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer are obtained through personal interviews with neighbors, friends, or associates of the consumer reported on. 

Equifax has not only ignored my correspondences to them about reporting negatively on my reputation and my identity theft inquiry. But have no properly investigated the information according to FRCA. 

On XX/XX/21 I sent Equifax another Affidavit of truth, Cease and Desist, a Default and Opportunity to cure, and invoice for not answering responding to Affidavit line by line, ignoring my request and continuing to report negatively on my Consumer report which is defined as my credit worthiness, character, and reputation. Also informing them they are violating more of my Federally Protected Consumer Rights. It has almost been more than 30 days sense I've sent my response and have heard nothing. 

Equifax is a publishing company that gets paid for advertising on consumer credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently tried to cash my paycheck at XXXX like ive done every payday for several years now. This time however certegy would n't let me cash it. I called them and they said there is a bounced check from XX/XX/XXXX at holiday a check to XXXX XXXX  from XX/XX/XXXX and 2 checks from XXXX in XX/XX/XXXX. These were never on my report until recently had ive never had an issue cashing my paychecks before. I didnt write any of these checks so I dispute them. However they said it will be 30 days until anything is removed and in the meantime I ca n't cash any of paychecks and ca n't pay my bills. Because they messed up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Spoke with representative at credit card company XXXX XXXX on XX/XX/2022. The company refuses to help me fix a reporting error, which originated from their reporting. 
XXXX XXXX is intentionally reporting inaccurate information - activity on a closed account, which is further damaging my credit profile. 

Explained to representative that my credit report is showing a closed account ( card was lost ) with one late payment and, the replacement card/account with one late payment. 

Rep stated only card ending in XXXX is updating. I kept explaining to representative while reviewing reports that the old card which was lost is still reflecting on credit files, with an update on XX/XX/2022! He did not believe me. 

Explained to representative that I am being assessed two late payments, and therefore, the account which is closed is being reported inaccurately ; it should be removed. 

The replacement card carried over a late payment, and the old card is still reporting as if I have two cards with two late payments. 

Placed me on hold several times. Unable to help and argued that there are no updates. 

XXXX and Transunion are reporting these inaccuracies and will not investigate.

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 2021-02-27
Company: COLLECTION BUREAU INCORPORATED
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have lived in Utah my whole life. Last year I noticed a collection on my Credit while I was applying for an Auto Loan. The collection I found was from XXXX XXXX XXXX for some apartment in California. 

I have never lived in California. I have been living in Utah my whole life. I have a signed lease for a place in Utah. I tried reaching out to the apartment in California where the Collection Company CBI says the apartment was rented. When I reached out to property the " XXXX XXXX on XXXX '' the person who answered at the front desk said the property management company that filed the collection was fired for not properly vetting their tenants. I have not been able to find any numbers to this property management company who filed the collection. I have reached out to the Collector CBI many times. They keep saying they are investigating it but never do. 

I mailed a letter in the format suggested on FTC.gov to CBI the collection company. They sent a letter back showing a copy of the contract. It looks like the signatures were all electronic. 

There is other weird things listed on the copy of the lease CBI sent me like some old XXXX car but the license plate was not listed. It shows a move in date for XX/XX/2019 and a Move out date for XX/XX/2019. I was living in Utah at the time and would never want to live in California I have filed a police report. 

I have mailed letter a few letters and made several calls. Filed a police report. Followed every step on Identitytheft.gov. I can go back and search bank statements or credit card charges that show I was in Utah if necessary. I am shocked that any type of property management company would blindly rent to someone without checking an I.D . in person. 

I have perfect credit except for this and I now can't buy a home or even move and rent another home because of this fraudulent collection. 

I have attached my rental agreement from XX/XX/2019 for the place in Utah I was living at and that I am currently living at.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: EQUIFAX, 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:
I've contacted you all before. I'm relocating to XXXX. end looking to purchasing e. home there. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I sew a couple of items that are not mine. These items are still on my report need to be deleted from my credit report : XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Account Discovery Systems, LLC
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Account Discovery Systems has been repeatedly calling third parties ( all of which are my boyfriends family members, and I do not even have contact information for ) in order to gain contact with me. They contacted the other individuals prior to attempting contact with me. I called back XXXX XXXX on XX/XX/17 at XXXX, pst and she explained that since she had made contact with me, she will no longer call other people. After our phone call, she emailed me a document with payment options and I emailed her back explaining that I would not be able to commit to a payment until the end of the month. Since our phone conversation and email exchange, she has continued to contact people stating that she is trying to contact me but has made NO attempt to contact me personally regarding the collection debt. I feel as though she is using this tactic to try to embarrass me into calling her to settle this debt. She is now harassing the same people by repeatedly calling them even though she has spoken with me and emailed me. After receiving word that she contacted my boyfriend again today, and she contacted his father twice this week, I emailed her requesting that she stop harassing these people and I will be filing a complaint against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was applying for a new credit card answered every question then it said log in to another bank account to confirm something so I loged in and it said that I would not be aloud to use my bank with any other apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was fraudulent use on XX/XX/2018. {$700.00} and {$800.00} was stolen from my atm card. I called BOA the next day I check my account, bank of America cancelled my card and issued another one and I was told they will investigate it and they will refund me in 10days if they didn't finish their inveatigation.

Apparently the thief/thieves also tried using the same card at well fargo but the transaction was declined, according to the customer agent I spoke with.

Next day I saw {$2.00} debited from my account, I called BOA and the agent told me the same card was used to check account balance at other bank, immediately {$2.00} was refunded back yo my account.

On the 10 day I was suppose to get refunded, an agent from BOA called asking me just 3 questions that " do you have the card with you on the day of the fraudulent charge, do you give you atm card to anyone and lastly did you give your pin to anyone ...

The next email I got after 20mins from BOA is the claim has been resolved and claim was not paid. 
I was shocked because this so called bank did not investigate the claim. 
My hard earned money was just gone like that? If bank is no more safe to keep my money I'd rather save my money at home. 
I already filed a small claim suite and hoping to get back my money.

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