BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to resume payments on my mortgage after I was given a payment suspension due to Covid. 

I called Wells Fargo somewhere in XXXX that I wanted to resume payment. They said they will call me within a week after processing my request. I did not receive a response for close to a month. 

I called again and literally forced the Agent to take my payment and put my payment details down on autopay. The Agent said he couldn't process my autopay, and that, an Agent will call me later for the autopay information and processing Many months passed without hearing fr wellsfargo. Why should I struggle to make payments on a loan? 

From middle of XXXX, XXXX I resumed calling wellsfargo to see if this thing could be rectified so I can start making payments. When I call, the answering machine takes my social, directs me to a specialist assigned to me, and that ends the story- the line is either dropped or sent to voicemail. 

On XX/XX/2021, I received an email from wellsfargo, claiming that my application ( i don't know what freaking sham application they're referring to ) has been approved and that I should start making specific payment amounts, starting XX/XX/XXXX, every month for XXXX XXXX before I will be able to start normal payments on my mortgage. 

THE INFORMATION ASKED ME TO CONTACT MY HOME SPECIALIST TO ARRANGE PAYMENTS AND THAT I SHOULD PAY THE EXACT AMOUNT QUOTED- {$3000.00}. 

Ive been trying ever since to contact Wellsfargo specialist to make payment. As Ive experienced for close to a month, my calls go to voicemail after entering my social security number. 

Ive tried paying online, but the amount on my online payment is higher than what I was instructed to pay ( plus wellsfargo did not even give me instruction to pay online ). Ans wellsfargo does not allow you to put in or pay other amounts. 

I even tried making payment over wellsfargo mortgage phones machine. After entering details, I am told I owe {$0.00}. 

Ive called wellsfargo several times, and my home Specialist. I call on my way to work at XXXX, and on my way from work at XXXX, almost everyday. Today is XXXX, the day I am suppose to make payment and there is literally no way dor me to make payment. 

I see all this as a ploy to frustrate me, make me feel comfortable with not paying my mortgage as they pile up on my debt, and make profits, and even more. 

I think it is very bad practice to set up customers to fail, in order for wellsfargo to profit. 

There are many other unethical things Ive found since my payment suspension, but I will leave that for another time. For now, I need to make payment. Ive been crying and begging to make payment for close to 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 2018-01-24
Company: ALLY FINANCIAL INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently went to a car lot to get a auto loan. Six different companies ran my credit report one company ran it there times in two days. This all happen on XX/XX/XXXX - XX/XX/XXXX lenders Credit Union inquired on XX/XX/XXXX Ally Financial inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX ( 2nd inquire ) XXXX XXXX XXXX inquired on XX/XX/XXXX ( 3rd inquire ) XXXX inquired on XX/XX/XXXX all of these are hard inquiries on my XXXX credit report.. I made it very clear I wanted the auto loan to be financed through XXXX XXXX XXXX but I did not give permission for them to run my credit three different times

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 2022-10-04
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX -XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, 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 status incorrect

Complaint:
All three credit reporting agencies, XX/XX/XXXX XX/XX/XXXX and Equifax are reporting that my XXXX XXXX XXXX account has been closed? I did not close this account. This caused a drop in my credit scores. XXXX XX/XX/XXXX reported that the account was paid off ( meaning balance on account was paid off ) ; however, the credit bureau 's are treating this information as a closure of the account. Please have them verify that this account is still open and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On or about XX/XX/XXXX I disputed an item on my credit report as this account did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. I received notice from Portfolio Recovery Associates LLC dated XX/XX/XXXX regarding the disputed account confirming they were reporting correct data and attached a monthly billing statement for the account from the year XXXX. The monthly billing statement ( s ) also list an address that I have never been associated with. On XX/XX/XXXX PRA responded to my CFPB complaint stating that they are once again reporting correct information. This account was NOT opened by me and was opened without my consent. There response has not resolved the matter nor does it address the fact that they are reporting a fraudulent account. Furthermore the items remain on my credit still reporting negative. Portfolio Recovery Associates LLC has failed to fully investigate this account to ensure it was legally opened by me. REF # XXXX / ACCT # ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
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: Personal information incorrect

Complaint:
I would like my personal information on file to all credit bureaus be updated correctly : Update my address. 

Update ny name. 

Update my employment. 

I've reported these issues and they are still being ignored incorrectly over and over and over again. 

I do not wish to have any telephone numbers on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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 status incorrect

Complaint:
All three credit reporting agencies, XX/XX/XXXX, TransUnion andXX/XX/XXXXare reporting that my XXXX XXXX XXXX account has been closed? I did not close this account. This caused a drop in my credit scores. XXXX XX/XX/XXXX reported that the account was paid off ( meaning balance on account was paid off ) ; however, the credit bureau 's are treating this information as a closure of the account. Please have them verify that this account is still open and in good standing.

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 2019-07-11
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I tried to reached Navient to settle a pass due monthly payment, I make very regular payments with good records, but had an issue with setting up my auto payment and missed two payments. I  wanted to get the amount paid and so it wont effect my credit score. I google Navient Customer service and found Navient Student Loan XXXX. I thought I had reach Navient to settle my issue, and had giving my private information, SSN, Birthday, Credit Card Information. 

The teller was telling me about the loan forgiveness program where they would take my balance and transfer it from Navient to the Department of Education and would charge {$3000.00} for making the transition. I thought it was very fishy after reading it over the contract, and I refuse to agree to move forward. Then they transfers me to the manager and she was very pushy and really wants me to agree and move forward, she keep saying I can always Cancel after I agree to move forward, also very pushy. I did not agree, she was getting annoyed and hang up on me. I now realized that it was a huge scam. I am afraid for my sensitive information and a contract they have my information on, I am not sure how to protect myself at this point. 

The contract I still have and the name on there in small print is called " XXXX XXXX 'XXXX XXXX XXXX XXXX The website they directed me to was this and it also not real. 

Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Credit Management , LP, ( doing business as ) The CMI Group, is in violation of 15 U.S.C 1692-1692p. On XX/XX/2019, I XXXX XXXX do swear that I received a phone call at work from a Representative of Credit Management , LP, ( dba ) The CMI Group in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692d. 
The individual calling did not acknowledge his name or the name of the Entity in which he was calling from, in violation of of 15 U.S.C 1692d ( 6 ). I was unable to talk at the time of the initial call, so i called back and spoke with a young lady by the name of XXXX. 

I verified with her my name, and the number in which i was calling from. upon locating a reference number, XXXX would not continue the call unless I provided her with additional personal information which i refused to due. She ended the call quite abruptly with me after not given the reason for the initial call from Credit Management LP, ( bda ) The CMI Group.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: SECURITY FINANCE CORP
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

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 2019-05-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
1-I believe Experian Information Solutions Inc. retaliated against me again ruining my credit report which is free of any miss-payment or any negative item but the Experians externality or Retaliatory inclusion of the same information over and over and forcing me to dispute it over and over wasting my time and destroying my financial reputation and contributing in causing me irreparable damages and losses. I checked my credit report with the other two bureau and it seemed they were deterred from doing what Experian now has the habit of doing against me of retaliation and terror without on the watch of who could stop it by law.so far the other two bureaux they did not have the Retaliatory information that Experian seemed unwilling to refrain from subjecting it against me in violation my rights under the FCRA, in violation of my consumers rights under CFPA and in violation of my Virginia state law too. 

2- I believe Experian Inc. mislead the CFPB and myself when it stated the following which is documented in this CFPB platform : Per your request to conduct an investigation, we contacted the data furnisher to verify the accuracy of the information with which you disagree. The disputed account has been removed from your credit report. well it is not trutful no serious investigation was that of experian if the same Retaliatory information is my Experian credit report as of today XXXX XXXX. 

3- I believe Experian Inc. dishonored institutions and role of law recklessly. So it is not the first time and it seemed not the last Experian mislead and reply to a complaint in unethical business manner. 


I reserve all my rights including right to sue Experian information solutions Inc. and I have right and my freedom of speech to Expose Experians terror against me and my family in every way. 

When will the CFPB and authorities with jurisdictions stop XXXX retaliation and terror it seemed not refraining from doing it in violation of the law? 

all stated herein is to my current states belief, knowledge, and understating and it is subject to anything or any correction by my person, XXXX XXXX, at any time without prior notice and without waiving my rights.

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 2022-01-10
Company: T.S. Holdings
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I tried contacted the collector after being overwhelmed with being harassed by them to settle debt. I gave them a offer they refuse it told me they would sue me and I had to start a payment plan and pay it in full. They have threatened me with interest if I was to not pay. The debt is very old I have been XXXX  for 5 years due to it. I am asking them to remove it and show me documentation where I agreed to pay interest if broke the lease also I was an XXXX XXXX XXXX at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Global Check Recovery, INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2018 XXXXdollars XXXX dollars XXXX dollars told them I went into XXXX XXXX XXXX SAID WONT EXCEPT THEM TO NOGOATE WITH THEM KEEP CALLING AND E MAIL ME ITS XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-01-10
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: Their investigation did not fix an error on your report

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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX my cash app card stopped working and started declining due to unusual activity when I contact the cash app I was told that XX/XX/XXXX unemployment requested them to freeze my funds and wire it back to them my money disappeared on my account on XX/XX/XXXX and I had a message saying that it was wired back to XX/XX/XXXX unemployment every since then I have been contacting XX/XX/XXXXunemployment and cash at back and forth and XX/XX/XXXX unemployment has told me they didn't they have never received any funds back from cash app and that cash app is stealing my money and lying to me I'm honestly fed up with this and I really don't understand why I'm being lied to and why cash at feels the right to hold onto my money it has almost been four months now that I have been without thousands of my dollars I have bills and a child to take care of and it's really frustrating that I keep getting the runaround and being lied to I honestly just want my money back and I want cash app to tell me the truth on where my money is actually at

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Synovus Bank
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:
I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! 
ACCOUNT NUMBER : 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 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! 
ACCOUNT NUMBER : XXXX : XXXX CAPITAL ONE : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation