BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for mortgage services with Wells Fargo bank. I worked on my credit score to bring it to the standard or a FHA loan. I submitted my application with all of my backup documentation and was told that my preliminary score qualified mean or conventional mortgage, but not an FHA loan. I submitted my bank statements and paperwork required to proceed with my loan. However my loan was then declined stating that my credit score did not meet qualifications. When I submitted my application initially my credit score was XXXX XXXX and XXXX respectively. However when they ran my credit the second time about a month later the scores had dropped due to the inquiries made when the bank pulled my credit for mortgage. I was told that my scores were too low. I've been submitted disputes with the credit reporting bureaus to raise my scores and get everything corrected. Although the disputes are still a work in progress my scores still qualified me for a mortgage. Then I was told that my scores weren't the problem it was lack of finances in the bank. At the time I had over {$10000.00} in Wells Fargo so I don't understand what they were talking about. I feel that Wells Fargo is using discriminatory practices because I am a single XXXX female and refusing to follow through with a qualified candidate for financing for a home.

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 2017-07-28
Company: Radius Global Solutions LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor : XXXX XXXX XXXX XXXX XXXX. Debt Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never utilized services from this company which upon an internet search offers web hosting/domain registration. I have received letters in the mail claiming to be collecting on behalf of this company. I have checked my credit report with all three bureaus and this debt does not appear. Upon further research into this organization is appears there are numerous incidents like this regarding this company. I am not sure how they received my information but I do not want to give them any further information to perpetuate this false claim. I will contact my attorney to handle the matter on my behalf if the letters continue.

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 2019-07-30
Company: Experian Information Solutions 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 requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, XXXX did not provide evidence. CFPB step up and delete XXXX XXXX ( ORIG CREDITOR : 11 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 2022-01-18
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I closed our HELOC on XX/XX/XXXX and requested a reconveyance be recorded to remove the lien from our property because we were refinancing to build a new home and had a lock in rate on both the construction loan and cost of the new home from the builder. This HELOC was paid in full ( zero balance ) for almost a year prior to closing the account XX/XX/XXXX. I have since called USBank 14 times and spoken to 21 different people all assuring me either a satisfaction of mortgage has been recorded or will be recorded. To date one has not been recorded. Nor can I ever seem to talk to anyone higher up than someone answering a phone who can't tell the difference between a recorded document from XXXX or current. I can provide every day and to whom I have spoken.

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 2018-01-06
Company: CURO Intermediate Holdings
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I filed an application for a loan I clearly expressed that I get paid biweekly, and when I called to explain the situation to the CSR, she stated that its nothing she can do about it, and the payments that are being taken out of my account has gone towards interest payments in the amount of {$590.00} for a {$400.00} loan.

I assumed that the interest payment was a one-time payment towards the total loan not applied to every single payment I will be making towards the loan, it was not very clear in the contract of the actual rate of terms was not clearly stated. Since then I have requested to cancel my continuous authorized payments ( CAP ) 2009, until they change my payments term to meet my biweekly pay terms without being penalized with additional interest charges. 

I could have paid the loan off if they did not take my payments as an interest payment and do n't apply anything towards my principle loan until after they received the {$590.00} first. This is clearly a ripoff towards consumers, and should not be allowed to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: EQUIFAX, INC.
State: LA
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:
My credit score dropped by 60 points and equifax can not explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 Midland Credit Management was contacted through certified mail regarding a corespondence of an attempt to collect a debt in the amount of XXXX ( Midland account # XXXX ) The original creditor XXXX XXXX XXXX was also contacted by certified mail letter in regards to disputing alleged debt. Midland Credit Management as of todays date XX/XX/2021 has never responded to written corespondence disputing this debt and a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I asked Midland Credit Mangement to provide me with competent evidence that I have any legal obligation to pay this debt buyer. Meanwhile XX/XX/2021 Original creditor XXXX XXXXXXXX XXXX sent a response stating that the alleged debt I was referencing was sold to Midland Credit Management. I did not consent to any sale of any information between Midland Credit Management and XXXX XXXXXXXX XXXX. I was not aware of any exchange of information between these two entities. After written corespondence was sent to MIdland Credit Management I began recieving several harrasing phone calls multiple times of day to my personal celluar device from Midland Credit Management threatening " legal paperwork needing to be served upon me at my home or place of employment ''. I do not owe or have any obligations to pay Midland Credit Mangement any monies realted to any alleged debt. I am now due monetary remedy for violations of my rights under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sent this debt to Jefferson Capital Systems for collection. My father has the same name as me and I believe this may have been my father and mother 's issue. I have received multiple " settlement '' offer type letters and notifications. I explained to the collection agency that is is not my debt. I even offer to make a payment of {$150.00} to get rid of the debt and hopefully remove from my credit report. This has been going on for over two years now. I want this charge either removed or resolved and the item removed from my credit report from all known credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Please remove all Fraudulent accounts as I have no knowledge of any these accounts due to the XXXX data breach/identity theft. ALL is begin investigated by the FTC. The XXXX is intended to secure my rights to privacy has been breached. According to FCRA 605B anything that in unknown to me must immediately block it from my credit report until your investigation over so I need you to put these fraudulent/authorized inquires in dispute please or you failing to comply to the FCRA

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 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Pursuant to 15 USC 1681 g ( a ) ( 1 ) I requested a copy of my credit file from both XXXX and Trans Union.
XXXX responded with a copy of a credit report.During my discussion with their customer service and supervisory people. I was informed that the file and report were the same thing ; and that the my file belonged to XXXX ; and that I have no right to it.I replied that the information is mine ; and the statute mandates that they provide it upon request. They stated that would not ; and that I would need to sue them ; and then subpoena the file.
Trans Union did not reply at all to my request,.

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 2022-01-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have had many problems with this company and when I try and talk to them to resolve or help me they cant or dont want to try. I called them today XX/XX/2022 to try and resolve some late marks they have put on my credit when my account should have been in forbearance. They were no help. They told me to write the company with my complaint. I have had many issues with the way they managed my account. They charge me a {$50.00} charge when I need a hardship forbearance and they pick when they want to put it into a national disaster forbearance. They have put it into a fire disaster forbearance before and when I expect them to do it again they dont. When I talked to the lady about that today XX/XX/2022, she said I have to call to get it out in a disaster forbearance and then they charge another {$50.00}. They are very confusing and not helpful at all. The way things are ran there are very unfair and they dont explain. If the account is in forbearance they shouldnt be giving me late marks on my credit. Its seems like they just do as they want with no care to the consumer and Im know Im not the only one going through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 a charged-off XXXX XXXX XXXX credit card on my XXXX, TransUnion and XXXX reports that is not being removed from my credit reports. The account shows a {$290.00} balance and that it has been charged off. 

My date of birth is XXXX. 
The account was opened on XXXX/XXXX/XXXX. 
I was XXXX years old when this credit card account was opened. 

Since I was n't of legal age to consent to contract I should not be liable for this account and should not have it reported on my credit reports.

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 2022-01-18
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OnXX/XX/XXXX I, ( the " Consumer '' ), started to receive phone calls from an unknown number at inconvenient and unusual times for me. On XX/XX/2022 at XXXX EST I decided to call the number back after having received another phone call from the aforesaid unknown number without having my permission to contact me. On the aforementioned date and time, I spoke with a person unknown to me by the name of, XXXX XXXX, who claimed to represent L.J. Ross and Associates. I asked XXXX XXXX why L.J. Ross and Associates had been causing my phone to ring without my permission and XXXX XXXX responded by saying, that it was an attempt to collect a debt for XXXX XXXX in the upwards of XXXX XXXX ( XXXX ) dollars which was a false and misleading representation of the character, amount and legal status of the debt XXXX XXXX claimed was owed. I informed XXXX XXXX that XXXX XXXX had not reached out to me regarding a debt owed and that I had not directly given L.J. Ross and Associates prior consent to communicate with me. XXXX XXXX transferred the call to XXXX XXXX, alleged supervisor for L.J. Ross and Associates. While speaking to XXXX XXXX, he engaged in unfair practices by attempting to continue to collect an amount that was not expressly authorized by any agreement creating the alleged debt or permitted by law. I kindly asked XXXX XXXX to send me a copy of the agreement between L.J. Ross and Associates that would permit the collection of the alleged debt as well as the license from the STATE OF MICHIGAN permitting L.J. Ross and Associates to collect debts for a third and XXXX XXXX refused. L.J. Ross and Associates have committed identity theft by using my personal or financial information without your permission. L.J. Ross and Associates have invaded the privacy of my family and I as Consumers, and violated the rights of the Consumer. L.J. Ross and Associates, are in violation of the following ; 15 U.S. Code 1692c, 1692d, 1692e and1692f.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen complaint I can not get answers. Back on XXXX/XXXX/2017 I filled out an application for a Deed in Leiu, I was told not to make any payments during this process till the application gets processed and finalized.We initially wanted to vacate the premises the right way without a foreclosure.

We do not get call backs from the company even thou they continue to send me emails ( which I have ) stating I have a conference call scheduled with the relationship manager. We have made several phone calls and all I am told is I am very sorry, in a language that can barely be understood because they outsource their customer service.

I have read multiple complaints about this company online and they are all the same, no answer, no solutions, every excuse leads to problems regarding a lein on the home which is the excuse I was given ( yet I purchased the home with no history of a lein ) ..?

Now they have reported to the credit Bueru that I am delinquent on my account and past due the full amount of the note {$79000.00} Which is ridiculous Because we stopped making payments when we were told not to pay anything! 

It should be illegal to run a business the way they do. Deceptive trade practices.

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 2018-01-06
Company: ID Analytics, Inc.
State: TN
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 went to purchase a used car to replace one that was totaled by an uninsured motorist in XXXX of 2016 at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tn XXXX My credit score at that time was reported as XXXX through XXXX. 
They also used a company ( I never heard of ) called XXXX which at that time reported a credit score of XXXX! 
You can imagine how that effected my interest rate and payment ... .close to {$200.00} extra a month! 
XXXX seems to have quiet an ally in these finance companies, and I can not believe this continues after all the complaints that continue pouring in here, and elsewhere on line. 
I too do not feel comfortable giving personal information to a company that can only be contacted via email or hard copy ( no website ... legal? )

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 2022-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am the victim of identity theft. I was contacted, over a year ago, by an old insurance carrier that their system was hacked and my information was stolen. Since then I've had multiple occasions where someone has tried applying for a credit card in my name. I've contacted the credit card companies and they're aware of my circumstance but they still haven't removed the multiple hard inquiries from my credit report nor have they stopped allowing fraudulent applications to be processed. These hard inquiries need to be removed from my credit report immediately, and Capitol One needs to cease allowing more applications to be processed. They are adversely affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
Company: EQUIFAX, INC.
State: WA
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 a charged-off XXXX XXXX XXXX credit card on my XXXX, XXXX and Equifax reports that is not being removed from my credit reports. The account shows a {$290.00} balance and that it has been charged off. 

My date of birth is XXXX. 
The account was opened on XXXX/XXXX/XXXX. 
I was XXXX years old when this credit card account was opened. 

Since I was n't of legal age to consent to contract I should not be liable for this account and should not have it reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2022-01-18
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
Commenity bank account fraudulently issued a credit card using my information. They said I would not be responsible for the charges. This was identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07
Company: EQUIFAX, INC.
State: AK
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:
In XXXX of XXXX I contacted XXXX and informed them that I was in quarantine due to COVID and recently moving to Alaska. I paid the amount due as soon as I was able to get to access to the my banking accounts on the internet. XXXX told me they understood and then reported the loan late to XXXX 30 days. 

In XXXX of XXXX I actually contracted XXXX and was sick for nearly 90 days. I again contacted XXXX and they stated it would be taken care of ... both XXXX and any result in XXXX or XXXX. Then they reported to Equifax 60 days late in XXXX. To XXXX  XXXX reported the loan 30 days late in XXXX, conflicting reports. 

I have mailed through the postal system correspondence supporting my claim. However, I have not received a response. I have attempted to email and send correspondence in this format. Their website blocks attachments and when I call them each time the customer service agent tells me I have to mail in my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Grow Credit Inc
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Grow Credit did not contact me to get my account resolved Ive paid money never had gotten my credit score they just took my money never did any service Grow Credit said they would

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation