BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: WELLS FARGO & COMPANY
State: UT
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 recently received a response from Wells Fargo Home Mortgage of another complaint. I have a few issues with this response. I've attached copies of the response. One this response thy stated that they never reported the late 's for XXXX XXXX and XXXX, I have included a copy of the account from my credit report where they are reporting the erroneous late 's. I need a deletion letter as confirmation that this will be fixed. They also included a phone number they have been trying to reach me at, this number is not mine and never has been. I've included a screenshot of my account with Wells Fargo where you can see the primary number is XXXX XXXX and the second is mine. I'm not sure where this number even came from, like I stated this number has never been mine. I truly feel as if these reporting are incorrect and if they would have contacted me using the information I have provided we would not have this issue. It has never been my intention to be late nor was I really aware I was late, I plea with Well 's Fargo to please remove all the late notations from my credit file.

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 2020-10-27
Company: NAVY FEDERAL CREDIT UNION
State: CO
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:
In XX/XX/XXXX my husband and I got a divorce. Per speaking to a Navy Federal representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point.

I have contacted Navy Federal and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again.

My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: PNC Bank N.A.
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:
Referencing claim Number XXXX First of all, your facts are misleading and your letter that was sent to a Federal Agency is  considered defamation and slanderous ... Furthermore, we have recorded calls that we have in safekeeping that specifically stated at least 6 times that MS. XXXX in your XXXX call center stated emphatically on my recorded lines that she accepts full responsibility for the XXXX.. In addition, these calls had XXXX on the phone with their representative of XXXX and Mr. XXXX XXXX XXXX, XXXX was also on the phone. 

This is a matter that you are creating by not paying what she stated and now you have basically called me a liar that is very very damaging. Do you want me to pursue not only legal damages but punitive damages? WE also have the right which we have reserved to bring this to the medias attention that I dont think you want to have a major media campaign on this. 

You have one month to respond and fix my credit and make payment good ... otherwise we will pursue this. 

This has been demonstrated to be a scam and a felony and as result of this the consumer is NOT RESPONSIBLE. In addition, I have recorded calls that how they got this bank information is an inside job. Is your money safe at PNC Bank? I dont think you want a media campaign to destroy your fine institution ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
i have several inquiries that i have no idea where they came from mainly the hospitals from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: MRS BPO, LLC
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX aka XXXX XXXX XXXX ( XXXX/XXXX ) was included in my Bankruptcy that was discharged on XX/XX/11 and additional loans were also " Charged Off '', but to date, they keep sending my name to " Collection Companies ''. I am constantly harassed and taunted by several different collection agencies until I send them copies of the Court ordered document ( s ). This company is relentless and is tarnishing my credit scores by sending my name to different collection agencies, ( Erroneous/false reporting ). The collection agencies are blindsided because they are not aware of the Bankruptcy and/or charge off until I provide them with proof of documentations. This company must be stopped from tarnishing and/or shredding consumers ' credit by trying to get paid by any means necessary - especially when they have been included in a bankruptcy that was discharged and/or in charge off status. I received correspondence from MRS BPO , LLC stating that I owe {$11000.00} plus of a Co-signed loan - which I included in my bankruptcy - Last correspondence was XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
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 the first and only notice from XXXX XXXX XXXX services stating an offer of settlement option to resolve the account balance only valid for 30 days from date of XX/XX/XXXX. Settle the balance of {$340.00} by making a one time payment of {$200.00} in 30 days. XXXX XXXX XXXX XXXXbalance {$340.00} serv date XX/XX/XXXX. As this was the first and only notification of debt, I called XXXX for information on what was owed and why. I was told they have no information on what was owed or why they are only the collection agency and could not help me. Being a medical Bill I called XXXX XXXX which is an umbrella health care in my area. they had no record of me what so ever of me owing any bill. I called XXXX back and informed them of this information, they informed me it did not matter I still owed the money, and it was not XXXX XXXX it was XXXX XXXX XXXX, I aked to speak to a supervisor and was diverted to voice mail. Upon calling XXXX they have no record of me owing them anything and since XXXX says what I owed was from XX/XX/XXXX XXXX   informed me I did not start with them until XX/XX/XXXX and gave me some helpful advice to ask XXXX. I called XXXX for the third time and informed them of what I had learned, they said they didn't know anything about that and I still owed them the money. I asked for 3 things, 1. written official validation notice. 2. Proof of XXXX license number. 3. What state of license number and physical address as a PO Box is a red flag. I was refused this information and diverted to a supervisor voice mail. That was my last contact with XXXX and am asking what I should do next. I am willing to pay a debt that I may owe, but I need information on what the debt pertains too, not just that I owe it period with out giving me any information as what the debt is for.

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 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-10-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This acct was a secured XXXX XXXX card and they say i owe them and they are reporting this on my credit report and if it was a a secured card how can i owe them because the acct was closed in good standing and you could never go over the secured amount i have asked for documentation and they continue to refuse to give send it to me

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 2017-09-19
Company: Pinnacle Credit 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 found out about this debt, by seeing it on my credit report. It is listed as a collection from pinnacle credit services LLC, in the amount of XXXX. I called them to get an explanation, and they refused to communicate with me unless I gave them my ss #, in which I refused. I sent them two letters via certified mail, requesting proof of the debt, and their response was this is from original creditor, XXXX XXXX in the amount of {$1600.00}, with no explanation of charges, phone numbers etc. I called XXXX XXXX, and they have no such records of an account existing in my name. I then called XXXX back, and again they would not communicate with me unless I gave them my SS #. Again I would not do so, and if this were a valid debt, I feel they would have this information, and could could verify, asking me if my last XXXX digits were # # # #. They have not sent me anything explaining the charges, or any other valid information, with the exception of my name, the amount owed, and who the original creditor is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: CT
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:
It was noted that my XX/XX/XXXX mortgage payment was received 30 days late. It was received and processed by the mortgage company XXXX XXXX on XX/XX/XXXX. There is 28 days in XXXX. A XX/XX/XXXX processing of the full mortgage payment would put the payment as being received in 28 or 29 days depending on how days are viewed..

This 30 day late and all comments on my credit reports for XXXX XXXX needs to be removed as this is a FCRA violation of inaccurate reporting. 

Please remove all comments and the 30 day late mark from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I've contacted JP Morgan Chase Bank multiple times, I also contacted the Credit Bureaus on XX/XX/XXXX and again on XX/XX/XXXX. JP Morgan Chase has been unresponsive and they continue to report a charge off balance due on my credit report when I filed for Bankruptcy protection on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/XXXX, i write to all these 3 agencies to fix the issues of my amounts were paid in full as agreed as for XXXX and XXXX XXXX card alleged balances. I called even last week XX/XX/17 and i just given the run around with nothing. I am suffering from there actions as i cant get the house to buy when i have done what is right long time ago. I now reach out as my last hope as they just not right with me.

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 2021-01-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I sent in a follow up to my original 609 letter dated XX/XX/2020 regarding an inaccuracy in your credit reporting. This was done on XX/XX/2020 Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : invalid and inaccurate Inquiries : XXXX ran an unauthorized credit inquiry on me on XX/XX/2020. 

XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2020. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 
The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 
I have suffered damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. I have contacted the Federal Trade Commission and advise them of your companys blatant disregard for consumer protection laws. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : I have enclosed documented proof that you did not respond in time. Please see the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: EQUIFAX, INC.
State: OR
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 information ( SSN, address, DL, etc. ) was breached via hackers at Equifax at some point last year. Thus, my information was not protected and the only way I heard about it was through the media. Equifax downplayed the extent of the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have had my identity stolen few times before and still have some on going issues, specially with my credit report. I have filed a police report about a year ago regarding some incorrect information pertaining my credit report and need this to be resolved.

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 2020-07-23
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: Personal information incorrect

Complaint:
I tried several times to update all my personal information with my creditors for all 3 credit bureaus and they have not updated correctly. My information should all report as follows : Name : XXXX XXXX XXXX DOB : 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 2021-04-27
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a fraudulent account on my credit report that I have never heard of.

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 2021-03-28
Company: AMERISAVE MORTGAGE CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed with Amerisave on a refinance of my primary home on XX/XX/2021 with a public notary. The loan was a standard conventional mortgage with a fixed and locked interest rate. My right of rescission period ended on XX/XX/2021 ; the loan was set to fund on XX/XX/XXXX and subsequently pay off my existing mortgage. The lender never funded the loan and provided no notice ; I have violated no pre/post-close conditions and the lender has not provided a legitimate reason as to why the loan was never funded. 

On XX/XX/2021, I had communication with the lender asking to confirm if everything was cleared from the closing and funding and to let me know if there were any follow up items that needed to be addressed. The lender did not follow up with any outstanding items needed to fund the loan. Upon discovery that my existing loan had not been paid in full as of XX/XX/2021, I began repeated escalation with the lender and received no response until XX/XX/2021. Upon communication with the lender, the lender admitted fault in failing to fund the loan due to a mistake in their processing, that I had met all terms of the agreement and stated it would fund the following day on XX/XX/2021. The loan did not fund on XX/XX/2021 and the lender stated a new closing would need to occur and that all terms of the executed Closing Disclosure would be honored. 

The lender is now reflecting additional fees of {$9900.00} to {$15000.00} to be borne by me and refuses to acknowledge the executed contract and its obligations. At no point between closing, funding and the rate lock, did the lender make any mention of outstanding items necessary to fund the loan and made no requests for additional documentation. Additionally, I proactively reached out to the lender to inquire if there were any outstanding items and to confirm the loan would fund between XX/XX/2021 through XX/XX/2021 ( both in electronic and telephonic format ). 

The lender failed in good faith to process and fund the loan, has failed to honor the contract and provided the borrower with adverse financial terms.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I had sent XXXX XXXX dollars to my friend through Venmo. 
Later in the day, my friend indicated she did not receive the amount. I had emailed Venmo to resolve the issue. Venmo responded by stating " it is in her account, she need to transfer the money over. '' However, the amount was not in her account for the transfer. Therefore, I sent the venmo picture of my friend to her to verify. My friend said, " that's my picture on my XXXX, but that is not my account. '' I had emailed Venmo back to notify them fraud has occurred. Someone is using my friend 's first and last name, her picture but a different, other than my friend. 
Venmo responded requesting all the information between my actual friend and the other account. Venmo team stated they will investigate. I sent the information as well as attaching the XXXX different accounts with my friends pictures on them both. My friend only has XXXX account. 
Venmo then responded stating I need to follow up with my local law enforcement!!!!! 
At this point, Venmo has not notified me of anything else they are doing abou this situation, and indicated I will not be getting my money back. 

Please help. I do not believe Venmo is following up, poor customer service on their behalf. 
Extremely concerned this is happening on Venmo especially when so many people use this service. Something needs to be done so this will not happen to anyone else!

Company response to consumer: Closed with explanation