BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification or other options to avoid foreclosure, but was denied help. My lender said I didnt meet the qualifications for help. First denial because I did n't make enough money then got a higher paying job and reapplied and now Second denial because I can afford my mortgage. However, they refuse to help with a repayment plan or modify my loan to add the missed payments to the back end of my loan. They say I 'm 15 months behind but that 's not so because my last payment was XXXX. Under a unemployment program. Since then I have appealed and filed a complaint with Wells Fargo XXXX XXXX in the consumer finance complaint recovery group and I have yet to hear from anyone in weeks. Yet they continue to move my foreclosure date or suspend it while under review month after month. My fear is that they are letting it go so that I 'm too far behind for help. I have offered to pay XXXX in back payments which is half and the rest in payments over the extent of my loan or add to the back end. They said this changes everything and will submit for a new review but yet have n't heard anything from anyone. I last spoke with my loan XXXX XXXX on XXXX/XXXX/XXXX and XXXX with the XXXX XXXX XXXX XXXX  complaint office XXXX My Home Preservation XXXX is XXXX XXXX Wells Fargo XXXX XXXX | XXXX Home Campus XXXX XXXX XXXX Floor XXXX XXXX XXXX XXXX, IA XXXX XXXX # : XXXX XXXX XXXX ext. XXXX Fax XXXX XXXXXXXXXXXX XXXX is my contact in the XXXX Consumer Complaint Recovery Offices XXXX Ext. XXXX XXXX Wells Fargo 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 2017-11-16
Company: Experian Information Solutions Inc.
State: WA
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:
In XX/XX/XXXX I asked for my credit report and they keep changing the dates on XXXX XXXX  has me for XXXX XXXX XXXX balance XXXX dollars XX/XX/XXXX as this is over 7 years old or older. I dont know how something can keep showing up over and over with different dates. Experian has me down for Social Security has me down date is XX/XX/XXXX of XX/XX/XXXX. XXXX XX/XX/XXXX should be removed an the date has been over 7 years.

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 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Multiple addresses are inaccurate. Please have the credit bureaus remove expeditiously

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 2018-04-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

The last negative item due to the identity theft is for an apartment complex lease I did not authorize, know about, or execute myself. I disputed this directly with the apartment complex and forwarded their management a copy of the police report. They asked me to also send a copy to this debt collector, which I have now done through the official CFPB portal.

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 2022-02-18
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was going to be a XXXX customer. I had equipment shipped out. I decided not to pursue this and cancelled the lines for the phone and returned the equipment. I still received a bill after being told my debt would be {$0.00} since I cancelled that day. Since then I have received two bills with different amounts. I have called XXXX three times and each time they confirm all equipment is returned and balance of account is XXXX. Now I am receiving a collection debt from a collector on behalf of XXXX for XXXX balance XXXX has repeatedly said is {$0.00}. I never used the service and returned all equipment. I do not owe this debt.

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 2022-02-18
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I went into a branch about a credit card come to find out someone tried to open and account in my name in XXXX but with negligence on behalf of navy federal credit union it wasnt identified or brought into question until I was approved for the credit card after being denied for years most of my banking has been done online without problem but once i come in person identify myself with every document or passcode they required Im still denied access to my funds I have had this account for XXXX  years Im a XXXX 100 % percent total and permanent XXXX veteran my only income is not accessible to me at no own fault of mine.

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 2017-07-11
Company: HUNTINGTON NATIONAL BANK, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I inquired about a studio apartment rental in downtown XXXX listed on XXXX. It did n't have the usual scam signs and seemed legitimate. Friends agreed it seemed ok. I was asked to secure my rental with a {$500.00} security deposit, the month 's rent of {$1400.00} and a cleaning fee of {$100.00}. I was sent a lease to sign and the above bank info to send the money. Then they barely responded to my emails as my arrival drew closer. This concenened me as I prepared my departure from the East Coast, headed to XXXX. When I arrived, no one showed up at the apartment and have not heard a word since. I called the XXXX police who referred me to this sight. I have contacted XXXX and " prohibited '' the post. The man 's name was XXXX XXXX XXXX and his email was XXXX His phone number was XXXX. Posting : XXXX XXXX XXXX I  have also since been texted by this person and was advised to block them which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had to go to the ER in jax fl in late 2018 and my insurance covered all the bills except for the {$530.00} and the hospital said they would waive it since i was a teacher and made less than $ XXXX- which was their income cap to waive remaining liability. I faxed in the income docs but the clerk never filed them so they turned it over to collections. It should NEVER have been reported as the hospital said they would waive it for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: FC HoldCo LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Please reference prior CFPB complaint XXXX. Despite the company 's admission of error and statement in their CFPB response letter that they would correct the credit reporting errors, the referenced payments still reflect on my credit report as 30 or 60 days late. 

Subsequent to my previous issue, the company is reporting 30 days late on my XX/XX/2018 payment, which is incorrect. The payment was made late, but was not 30 days late. It needs to be removed from my credit report. 

I am attaching the company 's response to my prior CFPB for reference.

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 2021-09-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and I am submitting this complaint myself and no third party is involved. I recently discovered that there is unauthorized accounts in my name being used and reflecting on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit reports and should have been alerted to the information being authorized on my reports and I'm requesting that they be deleted/removed from my credit report as soon as possible. These items are fraudulent and having a crippling effect on my relationship with creditors. Please removes the disputed items as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: DC
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:
I would like to file a complaint against Equifax. Today, they incorrectly and unfairly decreased my credit score by XXXX points. I applied for a loan, which resulted in a hard inquiry. This inquiry was also reported to XXXX and XXXX which only reduced my score by less than XXXX points. XXXX uses XXXX just like Equifax. My score did not severely drop at XXXX. When I called Equifax, they could not explain the score decrease and refused to provide an explanation. Their agents will only say that they are only a reporting agency. I am calling Equifax about my Equifax score and this is seemingly simple, but they are ridiculously secretive. Equifax needs to correct my credit score because a hard inquiry should not result in a XXXX point decrease to my score. This was the only change on my credit report and the Equifax scoring mechanism is obviously flawed. 

As of today, my credit scores are the following : Equifax XXXX ( checked via my.equifax.com ) XXXX XXXX XXXX XXXX Lenders should not use Equifax due to their unfair practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, 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:
On XX/XX/2022, I filed a complaint against Equifax about inaccurate and re-aged information on my credit report involving XXXX XXXX, XXXX XXXX, XXXX  XXXX, and XXXX because they failed to investigate and delete these inaccurate accounts. The information i provided in my dispute was factual data pulled directly from my credit report, and yet they still responded to me stating that the information has been verified as accurate, which is a lie. Because if you look at the information I provided, you could see the blatant inaccuracies I complained about. It's plain as day. For example, on the XXXX XXXXXXXX account, How can I be 120 days late on a paid closed account? I mean, the account is PAID. The account is CLOSED. So how am I 120 days late. It doesn't make any sense. And this applies to the four XXXX accounts as well. The XXXX accounts say i'm 120 days late, but they are also closed and paid. Bottom line, an inaccurate account can not be found accurate. It's a total contradiction. Furthermore, I just received their response in the mail regarding my recent complaint stating that their investigation into these accounts is complete and that my credit profile has been updated. The only thing they did in regards to my credit report is update my personal information. The problem here is, I didn't ask for my personal information to be updated, nor was that my reasoning for dispute. They did no investigation into the accounts i disputed. The same information is still there. Even the accounts themselves weren't updated, which goes to show me that NOTHING was actually done nor investigated. In other words, their response is a bold face lie, and i want something done about it. There is no way i can give you proof of something, in black and white, and you just ignore it as if it doesn't exist. This is completely UNFAIR, and i want the accounts deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
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 fraud alerts or security freezes

Complaint:
In XX/XX/XXXX I put a fraud alert on each credit report and because of that I am now in XXXX. I would like to take the fraud alert off 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 2017-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had disputed with Bank of America for over a year the fact an account that had been closed, charged off and issued a XXXX for ( and filed and paid income tax on ) no longer had a balance owed but was still reporting as having a current balance due. In XX/XX/XXXX BofA finally confirmed in the attached letter that there was no remaining balance owed. The reporting was corrected on the three credit bureaus and I thought the issue was over. In XX/XX/XXXX I was declined credit and it referenced this account showing the old balance again showing due. I disputed again ( through the CFPB ) and received another letter ( attached as well ) indicating that the reporting was correct and referenced that the prior XX/XX/XXXX letter stated that as well ( IT ACTUALLY STATES THE OPPOSITE ). I have called and left phone messages and emailed the representative on the letter and received no response. Ironically I did receive the attached survey request from BofA regarding a return call I never received. My attorney has since written a letter ( see attached ) and has received no response as well. While he decides what to do next on his end, I am sending this additionally as an addition means to correct this issue.

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 2021-04-13
Company: Collection Service Center, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a collection notice saying this case was turned over to collections since I had not responded to previous correspondence. I never received anything from this company before so I did not know anything about it. I had XXXX XXXX XXXX on XX/XX/XXXX and I have gotten another bill from an outside billing source which is probably related to this one. I've already talked to the hospital and they informed me after the fact that they bill doctors in the emergency room outside of their hospital. I already set up a plan to pay monthly and it's almost paid off, but I didn't know that I would be getting other bills from another source. This is unfair and was never explained to me. I have already spent several XXXX dollars and now I'm getting hit with all these new bills. 
This new bill looks suspicious. I received it after their office closed so I haven't been able to call them. I discovered from other sources online that they are not cooperative on the phone so I sent a message to the hospital who performed my XXXX XXXX and explained the situation. I'm worried that my information must be out there in the wilds if I'm suddenly getting these notices. I also don't want my credit ruined because I have an excellent credit rating. I'm nearly XXXX and I don't need this, and since my XXXX XXXX I have been in bad condition. 
If this is legitimate, I need proof I owe this money since I never received it so I don't know what this bill is for. The last bill was for radiology and something else, but I discovered I didn't owe what they said I owed. My XXXX and VA accounts paid for it, but they still charged me. I suspect the same to happen with this collection service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 4 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XX/XX/XXXX {$990.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1000.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.

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 2017-11-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I have contacted all 3 credit companies and the department of education about getting my student loans either completely off my credit report or partially off it. Reason being is because 2 are pass the statue of limitations. XX/XX/XXXX-XX/XX/XXXX. They said that they will fall off in 10years. Ive asked them why 10years when its suppose to be 7years for it to stay on your credit report. Because its still on my credit report I simply can not get a house loan. All Im trying to do is move into a house with my kids and no one will assist in removing my student loans. I understand that I still will owe on the debt that I dont have a problem with but I cant not acquire credit with the student loans being on my credit report. The credit companies tell me they cant dispute them off and the student loan company says the same thing. No luck getting any assistance with this.

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