BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-23
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: Account status incorrect

Complaint:
I was a victim of Hurricane Irma in XX/XX/XXXX. My mortgage was put into forbearance until XX/XX/XXXX. I had damage to my home and lost employment over the storm. Once my mortgage was taken out of forbearance in XX/XX/XXXX, I was reported late to the credit bureaus. I was also reported late during forbearance and was sent to dept collection agency during forbearance. I was told that I had to pay back all the past due in one lump sum or risk foreclosure on my home. I informed my mortgage servicer that I could not pay that and requested a loan modification. It took from XXXX XXXX XX/XX/XXXX to get my loan mod complete, all in between I was reported late for 7 months on my credit reports. XXXX XXXX owns my mortgage and I opened up a claim with them. After some time, I was told by XXXX XXXX that the way this mortgage serve handled my account was incorrect. XXXX XXXX   contacted my mortgage servicer and informed them that per XXXX XXXX guideline, I should not of been reported late during any of this and that the negative reporting was to be removed from my credit. This is not the case. I have filed disputes directly with the credit bureaus, and my mortgage services keeps sending over false/incorrect information when I dispute it. My family has suffered financial hardship over this, my credit is now trashed. I also suspect that this servicer has falsified their service records as now my account seems to show different information according to the customer service reps that service the account when I contact them. I can prove that incorrect information was sent over to the credit agencies, and I can also prove that this servicer has broken RESPA and XXXX XXXX  guidelines. I am also aware of the on going lawsuit against this servicer which pertains to the unlawful practices ( RESPA/ Guideline Violations ) filed by former employees that were fired from the servicer around XX/XX/XXXX for whistle blowing. I find it very strange that this was around the time, XX/XX/XXXX when I starting having problems with them. I can prove that they have not followed guidelines with all the docs that I have. Please help, this is not right. 

Servicer Below XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2018-06-15
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
see complaint number XXXX  THIS IS A QUALIFIED WRITTEN REQUEST : THIS IS A QUALIFIED WRITTEN REQUEST : THIS IS A QUALIFIED WRITTEN REQUEST QWR QWR QWR QWR QWR QWR QWR QWR QWR QWR QWR 1 ) PLEASE PROVIDE ALL PAYMENT HISTORY FROM INCEPTION OF LOAN TO PRESENT Previous history sent starts with page 1 XX/XX/XXXX, which is incorrect 2 ) PLEASE PROVIDE HUD 1 SETTLEMENT STATEMENT FOR THE CLOSING OF THIS LOAN not included in documents sent 3 ) PLEASE PROVIDE ALL CLOSING DOCUMENTS IN LEGIBLE FORM, previous documents not clear not readable MISSING DOCUMENTS 4 ) PLEASE PROVIDE NAMES OF ALL INDIVIDUALS INVOLVED IN PROCESSING AND CLOSING OF LOAN AND LOCATION 5 ) PLEASE EXPLAIN IN WRITING HOW ALL FUNDS RECEIVED TO BRING LOAN CURRENT XX/XX/XXXX WERE APPLIED, THIS INCLUDES LATE FEES, ATTORNEY FEES, BPO, INSPECTIONS AND ANY AND ALL OTHER FEES PAID, LISTING ATTORNEYS AND FIRMS 6 ) PLEASE TAKE NOTE OF ATTACHMENT DOJ V WELLS FARGO HOME MORTGAGE 7 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING FROM DOCUMENT THAT SHOW THAT WFHM HAD NOTHING TO DO WITH SELECTION OF HOMEOWNERS AND LOANS 8 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING THAT SHOW ELIGIBILITY FOR THIS LOAN AND HOMEOWNER 9 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING THAT SHOW INELIGIBILITY FOR THIS LOAN.

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 2020-06-29
Company: Meridian Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection letter from Meridian Financial Services of XXXX, NC on XX/XX/2020 claiming I owe XXXX XXXX {$1300.00} for annual maintenance fees. The current balance due stated includes an additional {$450.00}. 

I responded with a certified mail letter on XX/XX/2020 stating my notice of dispute and request for debt validation where I listed items I required for further consideration. During this time, Meridian continued phoning me to collect the disputed debt. They replied by forwarding a copy of a deed and an unverified statement of my account. Neither document addressed the validity of the debt nor their authority to collect. 

I sent a second request for validation of the debt certified mail on XX/XX/2020. They responded by forwarding the same 2 documents. they fail to provide me with minimal proof that they are authorized to collect or add unitemized charges to the original balance. To date, their calls and 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 2021-07-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent out numerous of letters asking them to verify and show proof of accuracy of the account that is on my report. The accounts and inquiries that are being reported is incorrect and inconsistent. 

Dispute started on XX/XX/XXXX for XXXX XXXX XXXX amount {$220.00}, XXXX {$0.00}, XXXX XXXX {$0.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX has frozen my account and denied me access to my funds and provided no explanation. I have called and requested access to my funds and an explanation and have been provided neither.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Please see attached a stipulation from the office of Attorney General, Commonwealth of Massachusetts. Several years ago I obtained what was to be classified later as a usurious vehicle loan from XXXX XXXX. This bank later merged with XXXX XXXX and hundreds of their charged off vehicle loans were disallowed by the Attorney General in 2017. Accordingly, as the XXXX charge off is still on all of my credit bureaus, they exist illegally. XXXX is in violation of their subscriber agreement with all credit bureaus, and the evidence is attached that there is no permissible purpose for the trade line to exist. The trade line must be removed permanently.

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 2020-08-07
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: Public record information inaccurate

Complaint:
Claimed chapter XXXX bankruptcy in XXXX of 2014 it has been discharged and still says open on report, also still on report doesnt chapter XXXX fall off after 5 years. I know a chapter XXXX takes 7-10 years to fall off.

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 2021-05-25
Company: WELLS FARGO & COMPANY
State: CA
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:
Again, Wells Fargo has totally missed the problem and the nature of the complaint. I have settled the dispute with XXXX XXXX XXXX XXXX and they have issued a refund for the defective furniture that they admitted was delivered in poor condition. The problem is with Wells Fargo accepting fraud. 

When XXXX XXXX XXXX gave you the delivery receipt they stated I signed, I told you it was a no contact delivery and I did not sign anything that day. You had me send over a copy of my signature, which you already have on file, to verify it was not my signature. The local Wells Fargo also verified it was not my signature ... but you, having no regard for a previously loyal customer, decided to accept it anyway. WHY? 

You did not do the right thing by your customer and this will not stop until you answer that question. Do not blame this on XXXX XXXX or XXXX ... this is an internal Wells Fargo problem of total lack of regard for doing the correct thing. Fraud is not ok ... .and a bank accepting it is worse.

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 2021-07-17
Company: Activehours
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Today, XX/XX/2021, I used the app called Earnin to make a cash out of {$100.00}. I clicked cashout and like the app promises, it's not obligatory to pay any fees. Instead, the app didn't even have an option to accept or decline any charges, it just automatically charged a pre-set tip amount that the app forcibly charged ( by fraud ) without my consent and without any approval. Instead of clicking ok or anything, I closed the app. I didn't even authorize it. I contacted the company via email and got an autoreply saying they don't monitor or reply to contacts. 

I asked Earnin to refund this illegally charged fee and remove the transaction. They refused to do so. I told them this is fraud and that I was also contacting the XXXX XXXX store because charging unauthorized fees like this is fraud and violates the app store terms of use. 

The person representing EarnIn continued being rude and refused to give me back the money they stole.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This year, PENNYMAC LOAN SERVICES , LLC made the changes, I pro-actively requested, however, on my XXXX, XXXX mortgage bill and online payment system, they AGAIN revert back to the original old, faulty increased amount which was concurred by PENNYMAC LOAN SERVICES , LLC that they will adjust and reduce. 
It is extremely time consuming and painstaking to keep track, reach their representative on phone and request these changes repeatedly. 
every year, i call and get the ecrow analysis revised because of errors such as added reserve to escrow etc. I am monitoring, tracking and reporting since XXXX. 
since last year PENNYMAC LOAN SERVICES , LLC moved the escrow analysis date and forced me to pay additional amount in their every year increase in the month of XXXX and onwards. 
i have to be pro-active to make sure 1. i request escrow analysis 2. PENNYMAC LOAN SERVICES , LLC do not send hard copy of escrow analysis even after i repeatedly requested. 
3. i have to find errors and request every year to revise the escrow analysis

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Jon Barry and Associates, Inc.
State: FL
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:
This debt does not belong to me it belongs to my brother who has the same last name and same date of birth as well as close to the same Social Security number but one digit different. I want this account removed from all credit bureaus to include XXXX, XXXX XXXX, and XXXX immediately. I also have received numerous harassing messages in the past related to this debt. I am seeking legal help and in the process of hiring attorney to sue for damages if this account is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a bill from BJ 's for membership renewal on a BJ 's  Mastercard for {$55.00} - I had a membership BUT NEVER asked for a renewal! This happened in XXXX of 2020. I informed them that I did not want a BJ 's card for membership. I asked the representative to cancel the charge and did not want a renewal of a BJ 's membership. I received another bill - I called again in XXXX and asked for the membership to be dropped - I called both BJ 's and Comenity Bank. After multiple calls to both companies, I thought I resolved the issue when a representative said the account was closed - I have talked with numerous representatives - XXXX, XXXX, XXXX, XXXX, and still I am receiving multiple phone calls for collections and past due amounts from Comenity Bank. After trying to call BJ 's for more information I was continually asked for a membership number, which I did not have, consequently I was getting nowhere. Finally, XXXX, mentioned above from XXXX explained to me she had my membership number. I used the number to try to clear this up with BJ 's - I used a three-way call with XXXX, XXXX at BJ 's, and myself and thought we resolved the issue - XXXX said, on XX/XX/XXXX the issued was going to be taken care of. This all occurred on the morning of the XXXX or XXXX. 
I am still receiving multiple phone calls daily to both numbers entered on this form. Additionally, a letter has been written.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-21
Company: Pacific Union Financial, LLC
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:
PACUF is reporting " Settled '' on my credit report and it should show PAID as Agreed.

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 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several hard inquiries on my Transunion credit report that I didnt do. I only apply for pre approved credit cards. These even some that was done twice in the same day. Thank you for your time. On those inquiries XXXX XXXX  is mine XXXX XXXX is mine and XXXX XXXX is mine. Those three only are mine.

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 2021-07-17
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:
Waiting for the credit bureau response to clear these false accounts on my credit!

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 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Waiting for the credit bureau response to clear these false accounts on my credit!

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 2018-06-18
Company: SYNCHRONY FINANCIAL
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 NEVER TRIED TO OPEN A CREDIT CARD AT LOWES OR ANYWHERE ELSE!!!! This is FRAUD!!! I am trying to work on my credit to purchase a house next year and all these fraudulent credit inquiries KEEP HAPPENING!!! My credit just dropped 85 XXXX points for an inquiry that WAS NOT ME!!!! This needs to be removed IMMEDIATELY!!!!!!!! I am tired of this! I am doing everything right to build my credit and these fake XXXX inquiries keep hurting me!!!!!!!!! The other companies havent taken them off even though they acknowledged it was fraud. THIS NEEDS TO BE FIXED IMMEDIATELY!!!!!!!!!!!!

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed before I was able to put money in it

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 2021-02-12
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt recently appeared on my credit reports from a collection agency called Debt Recovery Solutions for {$530.00}. On the report it only says Loan By Phone. I don't know what this is for and who it is from. This is not my account I never applied for any Loan by phone. 


I called the collection agency and the representative told me he wasn't able to tell me the name of the company but that the loan was taken out in 2018 was all the info he had on the loan. This is not my debt, I have no idea where they got my information from and how they are able to collect on a debt and not know what company it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Peoples Commerce Inc
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2014 I was finance a car people commerce inc and I was paying my note never missed a payment I had a car accident and the car was tolled away the people from XXXX XXXX XXXX was suppose to put the car up and repair it and give me a laoner I called every day about the car I'm was put on hold or was told someone would call me back so I played the cat and mouse game with them for a couple weeks the whole time I was out of work because I didn't have a car the only time I receive a call from, the was when it was time to make a payment here it is 4years later I still have not heard anything from them but they put it on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2015 with a balance of {$5400.00}

Company response to consumer: Closed with explanation