BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
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:
XXXX XXXX XXXX is showing a collection on my account with the original creditor XXXX XXXX XXXX XXXX. It is showing a balance of {$630.00} and says it was opened on XX/XX/XXXX of this year. I do not know what this account is. I do not owe any money to XXXX XXXX  XXXX XXXX, and have not in over 7 years, so I do not know why this account is showing on my 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 2018-02-07
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2009 I got behind on my payments at which time I contacted my mortgage company, which was XXXX. I requested a modification. I filled out the necessary paperwork and did receive the modification. However, I feel that the modification was not a way to help me but for my mortgage company to get more money in the long run from my misfortune. I feel this action is reflective of predatory lending and that I, being a senior citizen, have been taken advantage of. Due to time constraints, facing foreclosure, the mortgage company extended my loan to a 40 year long and attached a {$44000.00}. lien. Now, years 1-5 at a payment of {$1500.00} I paid {$95000.00}. Year 6 I paid {$21000.00}, year 7 I paid {$23000.00}, year 8 to date I paid {$17000.00}. This is a total of {$150000.00} give or take a few small adjustments. Now having said that I am not even close in time to where I started at when I recd this modification. I still owe 32 years and 4 months at {$2200.00} per month. I am now XXXX years old. At time of maturity I will be XXXX years old and I will have paid back {>= $1,000,000}. All for a {$350000.00}. loan and for a house that is now worth approximately {$280000.00}. I would say I am stuck. The principal balance still remains at {$320000.00} after paying for 8 years and 8 months the sum of {$150000.00}. I have contacted Nationstar and ask for a breakdown of the {$44000.00}. and have not recd that breakdown. At this point I would love to get out from under this nightmare but as you can see I am pretty much stuck. I am requesting an adjustment of the {$44000.00}. Nationstar has already more than tripled their profit and I am drowning. Please help me with this issue and I am not getting younger and this is affecting my health. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: SYNCHRONY FINANCIAL
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Notice of Dispute. 
Please see attached.

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 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my Credit report and notice some things that don't belong to me. These accounts are stopping me from acquiring Personal Loans. The account listed below is not mine. I sent in multiple letters and haven't received any response. I do not understand why is this happening? Please do something about. Your attention to this matter will very much appreciated. 

XXXX/XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number :  XXXX XXXX XXXX Account Number : XXXX XXXX   XXXX Account Number : XXXX XXXX/XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2019-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/2019, I was charged for {$440.00} for XXXX XXXX which I have no knowledge of. I have contacted Capital One and they have failed to compensate me for these gradual end charges and a rep by the name of XXXX has failed to give me information on higher authority above her to resolve this issue. No proof has been provided to me that I made the charge. I notified them that my wallet was stolen from someones house and my card was missing from it, hence why its considerate a fraudulent charge. I called in the fraudulent charge once I saw the alert on my phone. They are failing by holding me responsible for a stolen card and telling me to deal with the dispute domestically

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter ( XX/XX/2023 ) that my wages would be garnished. I never had a warning, court date, trial date, information about a debt at all. My XX/XX/2023 check was garnished by {$2100.00}. I called the XXXXXXXX XXXX XXXX and spoke with XXXX XXXX who said it was a Wells Fargo account for an outstanding judgement for {$5400.00}. 

I do not have a Wells Fargo account. This is Fraud. This company is in violation of the Fair Debt Collection Practices Act.

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 2020-08-02
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
( 5 ) new postings to all three credit bureaus for medical bills to XXXX XXXX and subsidies for medical bills filed bankruptcy XXXX Wisconsin has a law about medical bills should not go into collections or credit file anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Reporting my account as past due for just {$12.00} when I have never been late before and my account is paid off with a current {$0.00} balance.

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 2023-02-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These account information on my credit report is incorrect, The loan amount is inaccurate, delete immediately. 

XXXX XXXX XXXX - {$4000.00} find attached a letter form the furnisher on the amount owed and check your reporting for confirmation. in the letter it says the alleged debt was {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Unifin Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection letter from UNIFIN dated : XXXX UNIFIN asking me to pay {$2000.00} for XXXX  XXXX Credit Card debt ( The debt owner is XXXX XXXX XXXX ) I do not recognize the amount nor the credit card, On XXXX I sent them a registered letter asking for more information about this debt. I requested to receive the answer within 30 days of my response, but up to date, I didnt receive any response from UNINFIN-See attached Letter and documents. 

Then I received another ( 2 ) letters from XXXX XXXX XXXX dated : XXXX asking about the same debt amount of {$2000.00} ( The debt owner is XXXX XXXX XXXX ) This so confusing and its stressing me out, both debts are owned by XXXX XXXX XXXX, and I do not recognize this debt at all, and they are not providing me with enough information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal has put a limitation on my account, both my personal and business account. They requested information on my XXXX I submitted the information tried to transfer it to my debit card that i just used a couple of days prior. Then they blocked it again. This account has XXXX $ on it. Then my renters paid me through XXXX and that sent the money straight to my pay pal account for personal uses its XXXX. It has {$1500.00}. They will not release it either. I have submitted all documents and everyday they say it is going to be 24 hours. This has been going on since XX/XX/XXXX. This is crazy and ridiculous. I have called everyday and nothing has changed. They need to be penalized for this. I use the rental money to pay rent at my new place and I am about to be evicted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: DC
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 recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Wells Fargo is not reporting my account on my credit report. Please make sure this account is being reported ASAP!! The account number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Mr. Cooper Group Inc.
State: IA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I contacted the company in XXXX. No response. I sent checks in XXXX and XXXX. In XXXX they returned my checks. By not applying my payments, they assess additional charges making it more difficult to correct. The collateral is double the debt. They are working to take my home. I'm elderly and have XXXX. No one to talk to as they only do computers. Refusing payment is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
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: Information belongs to someone else

Complaint:
The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On about the XX/XX/XXXX, I complaint another submission to Experian on XXXX XXXX- this company has reported that i had one month of service in XX/XX/XXXX and XX/XX/XXXX which, I had service with XXXX XXXX and no service due to ( XX/XX/XXXX -XX/XX/XXXX ) to I rent a room on ____. This company continues to slam me with services not rendered and Experian is fully aware by previous complaints but, Experian refuses to remove the inaccurate information on my report.This company is aware of false reporting but, Experian is allowing them to proceed with this information to hurt my credit because, I am a XXXX XXXX XXXX XXXX XXXX and depend on grad plus loans to continue my education. Experian and XXXX are know harassing me to the point of filing a legal suit. I am aware Experian is a business that recieves funds on reporting from XXXX XXXX but, I have asked them to raise above and conduct an investigation. It 's not right or fair for a company to be bias with reporting or other look companies that are violating the law or other ethical condition. I will be filing this with the Texas Attorney General and other federal agencies because, Experian has a duty to uphold and it 's not happening. XXXX is getting away with false and fraud reporting -- ONE MONTH OF SERVice in XX/XX/XXXX and XX/XX/XXXX Experians is turning their heads to ethical issues that makes equal to the same submission..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TD BANK US HOLDING COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a charge on XX/XX/XXXX for {$150.00} on XX/XX/XXXX. My charge was for {$29.00} on XX/XX/XXXX posting XX/XX/XXXX. I have been disputing this charge as the clerk at the store charged me for someone else 's items, voided it however it posted to my account. I have been asking for a update for-3 months, no one knows what to do or say. I was promised by XXXX, employee # XXXX a credit would be issued within 24-48 hours by manual adjustment however still nothing. TD BANK is the poorest servicer of any credit card I have ever experienced. They do not address issues or resolve them. They do not do right by consumers, they make excuses, and continue there agenda. TD BANK should NOT be allowed to do business in the XXXX if they continue not to make things right. I can't stand chasing this incompetent servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
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: Information belongs to someone else

Complaint:
The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block.  Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information  relating to any transaction by the consumer. 
All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Resurgent Capital Services L.P.
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: Old information reappears or never goes away

Complaint:
I had a {$3700.00} loan with XXXX XXXX XXXX, at the time I was going through a divorce and could not make payments. This was turned into CACH credit, assuming sold to the CACH. I had a court hearing XX/XX/XXXX, in which CACH accepted {$500.00} to settle. My attorney gave CACH a check and I thought that was the end. In XXXX I went to purchase a home, yet this CACH was still on my credit report!! I contacted my attorney ( XXXX XXXX ) who contacted CACH and we found out that they never cashed the check, through my bank!!! My attorney explained that I was trying to purchase a home and this was effecting my credit. CACHs attorney that was handling my case had quit, yet I worked with XXXX  ( credit repair ) to try to take care of this, they wrote CACH a letter, then the letter was mailed back to my residence!! This still sits on my credit report as I tried to take care of this legally and with a credit repair. How and why is this fair to me???? I do not know what to do???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX was my loan servicer and it is now Mr. Cooper. The official Notice of Servicing Transfer letter is dated XX/XX/2017. It indicates the servicing of our mortgage loan ( no dollar amount was listed on the Notice of Servicing Transfer ) was being transferred effective XX/XX/2017. I have a copy of this letter. 

I have read in The XXXX XXXX online that : " ... [ Y ] our old and new servicers must notify you about the transfer of your servicing rights no less than 15 days before the effective date of transfer. If you never received the servicing transfer notice, you can also file a complaint with the CFPB online. '' In our case we did receive notice, but a week or so AFTER it occurred. In my opinion this does not conform to federal regulatory requirements governing the transfer of mortgage loan services from one business to another as I have read and understood them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have continually contacted Experian to correct the information showing on my credit report but to no avail, Experian has not made these corrections and for that, it is causing me to be denied for credit because of the errors this company has caused. 
I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that you correct this information immediately. 
ADDRESSES : XXXX XXXX XXXX XXXX XXXX, GA XXXX. This is not a residential address and needs to be removed from my Experian credit report. 
XXXX XXXX XXXX # XXXX  XXXX, TN XXXX. There is a misspelling in this address and needs to be corrected are removed from my Experian credit report. Also, Experian does not have my correct address reporting on my credit report XXXX XXXX XXXX XXXX, TN XXXX and it needs to be added to my credit report. 
This reporting is harmful to my credit file and needs to be corrected for the current status of my credit report. 
Employment : Please add my employment as such, 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 2019-11-05
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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