BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 took on a covid forbearance on a loan last year. When my forbearance was ending I applied for a deferral of the payment to the end of the loan. XXXX claimed they never received this application. 
I started making payments on my loan in XXXX of 2020 after talking to them on the phone about my new plan. They said multiple times that they were so understaffed that they had no idea when my deferral application would be processed. I continued to make payments per the agreement I signed up for and verbally discussed with XXXX. 
XXXX comes after I make two payments. They start a foreclosure process. I'm charged for a BPO valuation because the systems at the bank where the foreclosure starts were not talking to the covid deferral and forbearance departments. I talk to someone again about these charges and they say again that they are so far behind that they have no idea when my paperwork for my deferral application will be processed. 
XXXX comes. I have now made 3 payments on my loan. I get a late fee because the systems still aren't talking to each other. I call and get this reversed and plead to the representative to make sure there is nothing damaging to my credit as a result of their misplaced paperwork and backlog that every other bank seems to be working through without the problems that XXXX/XXXX  now XXXX has. I am told that my application has been escalated and it might be 3-6 weeks before it is approved. I can not imagine what an application that wasn't escalated would take. 
Here comes XXXX. I get a negative credit report alert from a credit monitoring service. I am dinged for a late payment after making 4 on-time payments. I call again. I am told that there is nothing XXXX/XXXX  now XXXX can do immediately and they are going to look into this sometime within the next 30 days. My credit score has dropped 100 points and someone might do something about it in the next month. This has been escalated again, but through a new process because XXXX/XXXX now XXXX realized their old escalation process was completely ineffective and was damaging to their customers.

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 2023-03-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: CONTRACT CALLERS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not get notified about this debt. It appeared on my credit report. I sent a letter asking them to validate the debt and they could not. This debt was opened in XXXX of 2019 in the amount of {$360.00}. I asked them for a full accounting which they could not provide. This account is on my credit report and they cant even show it belongs to me or where they got the balances or anything.

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 2018-11-02
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XX/XX/XXXX my wife and I divorced from that time until XX/XX/XXXX I tried to get a loan modification with Wells Fargo I would make partial payments to them which they accepted and took all paper work they requested to them here in XXXX, Or. so that it could be and was faxed to there main office. They never could fined my paper work back in XX/XX/XXXX/ to XX/XX/XXXX I was advised by an mortgage attorney that Wells Fargo wasn't going to work with me to get a loan modification that they would just Foreclose on me. I was advised to short sale my home to save my credit for which I did about a month later after the sale of my home The Federal Gov. stepped in and made all the Banks & Mortgage company 's work with the people. Not until resonantly did the Gov order Wells Fargo to make good on all the Loan Modification that were applied for. They just told me on XX/XX/XXXX after allot of phone tag that they found my paper work and that I was denied back in XX/XX/XXXX do to my income, But back then they could never fined my paper work It is because I filed with O C C now O C C asked me to file with you I've been in contact at Wells Fargo with XXXX XXXX at XXXX extension XXXX She is also giving me the run around and letting me know she call me back around the XX/XX/XXXX In the mean time O C C asked me to contact you people and continue the complaint. Wells Fargo owe 's me the XXXX that the Gov ordered them to pay people who tried to to get a Loan Modification but there paper work always got lost Wells Fargo like 's to play game 's at the Public 's exspence. I would still be in my home at XXXX XXXX XXXX XXXX Or. had they not played games with me and allot of others My case # with O C C on Wells Fargo is XXXX I will call this XXXX XXXX and let her know I have filed with you. I have had several people glad to see someone like me to follow up on this matter. Thank You

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 2019-06-19
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Getting sick was the worst thing that I ever encounter in my life.The medical bills are outrageous and not affordable especially when you do not have insurance, The company takes basically calls and calls all day and night and I am sorry I never want to be sick again but I can not afford these bills, I am a single mom who pay check is completely gone due to fact that I have so many bills .I don't even have gas in my car for work what am I suppose to do at this point.Help please.

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 2018-11-02
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
They helped us stop the foreclosure process and we were doing a loan modification so we thought, and then Wells Fargo turns around and says we never did the loan modification and that they were still proceeding with the foreclosure but they never said anything to us on the phone when we would call to make the payments, we are in the process of filing a lawsuit against Wells Fargo for all the damage to our Credit and to our health we have XXXX XXXX now due to all of this we were never properly notified to begin with when this all started to even give us options at first to call them and talk about options, and they are the ones who told us to not pay the mortgage during the modification when we first tried to do it so its there fault we fell more behind ... we are so upset over 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
Consumer complaint received 2019-06-19
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 explanation
Consumer complaint received 2021-04-22
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Once more I come to this agency with the attempt to solve this issue but appears nobody cares! That's the main reason why people get abused, cheated and extorted. But it is my right to dispute a debt I definitely don't own I will exercise my rights to the very end to clean up my name and credit. On XX/XX/2020 I was feeling really bad at night with certain symptoms that for me appeared to be XXXX. At that time everyone was scared and with a lot of misinformation related to the XXXX. I went to the emergency of XXXX XXXX seeking help because that was the first good urgent care facility close to me that came to my mind. Them I immediately reported that if i needed to pay for the services I had no insurance at the time. The assistant told me that I have not to concern about it because assistance related to XXXX would be covered by the govern. They made a series of exams and, prescribed a fogging session and dispatched me home. Thanks XXXX was not XXXX and the following day I woke up better. I couple of weeks later I received a bill from the Hospital requesting payment for the services. I immediately called the financial department and after explaining the situation they told me the bill would be taken care of and I had nothing to be concern. Them I realized they sold the collection to other companies and did not have done once more what they told me. This is outrageous, immoral and anti-ethical, especially when taking advantage of people when they are in a very fragile moment. That's really not fair and that's the reason I insist and dispute this unfair practice that for sure is not only from them, but the great majority of the Medical system. Their main concern should be saving lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Prime Credit Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Getting a payday loan was the worst mistake that I ever made in my life.The finance fees are outrageous and un-affordable, The company takes basically my entire pay, I am a single mom who pay check is completely gone due to this fact.I don't even have gas in my car for work what am I suppose to do at this point .Help please.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Please remove the fraudulent accounts and inquiries on my credit report. The charges on my account were not authorized. Please block and remove these accounts from my credit report. I am demanding that the fraudulent charges and inquiries be blocked and removed.

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 2019-06-19
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
FedLoan  servicing has continually placed me into retroactive administrative forbearance on loan sequences 01 and 02 during times of repayment, while I have been employed by a PSLF-eligible employer, and even while my loans were being serviced by another federal student loan servicer ( XXXX ). In response to CFPB complaints XXXX-XXXX and XXXX-XXXX, FedLoan removed this retroactive forbearance status but in accordance with a letter dated XX/XX/2019 has reapplied it again. Additionally, in accordance with CFPB complaint XXXX-XXXX, XXXX, my prior servicer, verified that I was in repayment with them during part of the time that FedLoan seeks to retroactively claim administrative forbearance and erase my payment history. I am concerned that FedLoan is attempting to erase time during which my loan was technically in repayment status and that they continue to make this error over and over again with no end in sight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a car in XXXX in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX, and registered the car with the XXXX  state. I changed my address with the XXXX  DMV multiple times. 
In XX/XX/XXXX, I paid off the car. I contacted TD Finance to get my title, but they kept telling me that the XXXX  DMV is not releasing it due to " unfinished transferring process ''. I contacted XXXX DMV and they stated that my transfer/address changed was done correctly, and there is nothing for me to do, TD Auto finance needs to release the lien so they can send me a new title. 
I contacted TD Finance again, and they insist that the XXXX  DMV needs me to finish the process and won't release my title, and continue to hang up on me every time I try to get them to resolve the issue. 
It's been close to 8  months since I paid off the car, and I am still unable to get my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 was a victim of identity theft. XXXX XXXX leaked my information and someone opened a XXXX XXXX XXXX card. I was notified and cancelled the card and froze my credit. I also filed an identity theft report with the FTC. XXXX XXXXXXXX XXXX cancelled my account and said because it was fraudulent they would take it off my credit report. I disputed this card on my credit report and XXXX  sided with them and will not remove this card from 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 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Problem with personal statement of dispute

Complaint:
Since XX/XX/XXXX, I have been asking Trans Union to verify an account that is reporting on my credit file. Trans Union was asked to furnish me the documents they used to verify the accuracy of this account. I also asked for the name of the person verifying these documents. I have only received letters back saying the information has been verified. Trans Union has not met my request to show me the proof they have of this account belonging to me, nor have they sent me the info of who verified it. I asked the debt collector for proof and they were unable to show valid proof of a debt owned so I am curious as to how Trans Union was able to verify a debt that the debt collector could not. The debt collector sent me a printed agreement with no signatures or print from me. A blank agreement/contract is not proof of debt ownership. Also, the date on the bottom of the agreement says Version Date XX/XX/XXXX but the company is alleging i signed this agreement on XX/XX/XXXX. Clearly the agreement was printed AFTER XXXX so this is not the original document.

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 2020-11-12
Company: Orion Portfolio Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an attempt to receive and un-validated and un-verified debt from Orion Portfolio Services. 

Please review my attached documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: U.S. BANCORP
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
US Bank set up automatic payments from my XXXX XXXX XXXX XXXX XXXX account ending in XXXX without my consent. After reviewing my US Bank account online, I realized that three automatic bank drafts ( {$200.00} XX/XX/XXXX, {$190.00} on XX/XX/XXXX, {$190.00} XX/XX/XXXX ) were paid from my credit union account that I didn't authorize. 

Prior to contacting US Bank, I attempted to remove the auto-pay and my bank account online, but there wasn't an option on the payment option. The representative, XXXX, was unable to remove the auto-pay form the account as well, and she couldn't explain the reason that US Bank was accessing my personal bank account without my consent. 

I spoke to a supervisor, who was able to remove the auto-pay, but she couldn't explain why the unauthorized payments occurred. She submitted a request for a refund which may take 7-15 days. This should've never occurred where US Bank is accessing my bank account without permission. XXXX, a supervisor for US Bank, submitted a refund request to the Research Team, which will take approx. 5 days, and additional 17 days to be processed. This time-frame doesn't include mailing the refunds. Therefore, rather than US Bank processing the request for refunds, I have requested my bank to refund the debits based on unauthorized debits.

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 2021-03-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
See previous complaint XXXX on Equifax failing to set up a Fraud Alert after being notified to do so by XXXX. SEE THAT COMPLAINT FOR DETAILS ON THE ISSUES, THE INAPPROPRIATE RESPONSE FROM EQUIFAX, AND MY FOLLOW UP COMMENTS. 
1 ) I initiated a fraud alert in my account at XXXX. 2 ) XXXX notified Equifax & XXXX  to do likewise. 3 ) XXXX set up a fraud alert in my account there just 1 day later. 4 ) 18 days later, I checked my Equifax account and there was still no fraud alert on my account there. 5 ) on that XXXX day, I logged in to my Equifax account and I set up a fraud alert there and then. IT WAS NOT INITIATED BY EQUIFAX LIKE IT WAS SUPPOSED TO. 6 ) I filed a complaint to CFPB about Equifax 's failure, hoping that Equifax would quickly resolve the issue and otherwise to have CFPB provide greater oversight & lead to corrective actions at Equifax. 7 ) Equifax only provided a very lame response / no apology / no acknowledgement or commitment to fix any issues for future improvements - in their negligent eyes just a non-issue because there is now a fraud alert active in my Equifax account - WHICH I HAD TO SET UP MYSELF BECAUSE THEY HAD PREVIOUSLY FAILED TO DO SO AUTOMATICALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: CL Holdings LLC
State: MO
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 had a XXXX credit card account that was charged off. I settled the account back in XXXX of 2018 with XXXX XXXX, yet XXXX XXXX XXXX XXXX is refusing to report this account on my credit report as paid or settled in full to the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: IL
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 inaccurate information on 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