BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage service company Wells Fargo has not sent a form XXXX. They send paper statements monthly but apparently I need to access form XXXX electronically. I went to access the account online as I have done periodically. They have made changes to the online access and I am not able to access the account. In trying to resolve the issue, I have done all the various routines, including forgot username, forgot password, set up electronic access, and called them. When I called, they told me to enter my username as all caps and they would then require me to create a new password. This also did not work. They told me to use XXXX XXXX which I also tried and this did not work. There was no resolution. 

I have also tried to simply enroll using my SSN and the mortgage account number from a statement but it says it does not recognize my information. 

I don't know the situation as to the online access being disabled. I speculate it was related to the access through XXXX being transitioned to another mortgage servicer " XXXX '' provider. In any case, this lack of ability to access my account or get it resolved, and lack of access to my XXXX is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received 19 emails from, the company True Accord, from XXXX to XXXX. 
A Violation of 15 U.S.C. 1692c ( a ). Within those emails are, a minimu
m total of 7 federal law violations, per email.

True Accord furnished an account that was created from a credit card.

A violation of 15 U.S.C. 1681a ( 2 ) ( b ) True Accord used profane language in their communication with me.

A violation of 15 U.S.C. 1692d ( 2 ) True Accord, claiming that I owe a debt, is a violation of 15 U.S.C. 1692b ( 2 ) True Accord is using deceptive means to collect on a debt that is not mine.

A violation of 15 U.S.C. 1692e ( 10 ) True Accord has caused damage to my credit reputation.

A violation of 15 U.S.C. 1692d ( 1 ) The amount that True Accord says I am obligated to pay is a violation of 15 U.S.C. 1692e ( 2 ) ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/21 I asked trans Union XXXX and XXXX for a investigation for XXXX XXXX XXXX  XXXX and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and XXXX XXXX and that is fraud.

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 2021-03-01
Company: GUARANTY HOME MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, My loan is currently still in the underwriting process and has been for sometime now. I feel like my underwriter is being discriminatory and difficult. She has asked for several things that are not in the FHA guidelines. Here are some examples : I am a XXXX XXXX and in my field it isnt uncommon for me to have more than 1 job. Well for my mortgage she is only using my full time job to qualify me. She refused to move forward until she verified my employment at every job from the last 2 years even the ones I no longer work at. 

Also I had to write a statement regarding why I had a gap in full time employment. In my statement I gave attending school full time as the reason why. The underwriter then asked for proof I was in school, which isnt an FHA requirement. 

I feel like every time we get one issue cleared she creates another issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft and notified EXPERIAN credit bureau who is not helping and removing the fraud address and account off my report. they keep telling me they can not read my police reportI HAVE BEEN FORCED TO GET A 2ND POLICE REPORT which they still say they can not read. how is that my problem they can call the police station that issued the report. I have already been going through enough since my identity was stollen and used. they are not removing it giving me the same excuse why do I need to go get a 2nd police report when I already got one but I still went ahead and got a 2nd one. this is unprofessional, they are rude to me, yelled at me and the supervisor I asked to be transferred to used profound language with me and hung up the phone. that is so unacceptable as a supervisor to do that. I am already stressed out and this has taken a toll on me I don't need this from them. they said they could not read the first police report I went and got a second one. I do not know what the issue is and why they are doing this to me. somebody should take a look into there company. by FCRA 508b they are obligated to block/remove the account/s if provided with a valid police report, within 4 business days. which they have been provided with 2 different ones. they are breaking the rules and law. EXPERIAN needs to remove the fraud account from XXXX XXXX off my report immediately and remove the fraud address of XXXX XXXX XXXX XXXX XXXX ca

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 2023-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: ORG GC GP Buyer, LLC
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 information incorrect

Complaint:
GC Services # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
We had entered into debt consolidation with XXXX XXXX and Synchrony Bank agreed to a settled payment. In XX/XX/2019, we sold our house and found that Synchrony Bank had placed a lien on our home. To head off any additional problems, we paid them off and they were supposed to issue a release on the lien. We closed on our house onXX/XX/2019 with the Title company paying off this debt. It is now XX/XX/2019and they still haven't released this lien! We recently purchased some land and this is now going to hold up this closing just like they almost did back in XXXX. We feel no other recourse at this point but to sue them in XXXX county Arkansas court to have this lien removed as well as for all Attorney fees. Throughout this entire ordeal, Synchrony Bank has been rude, condescending and unhelpful. Even the Title company has commented multiple times that they had dealt with this same issue many times before with no issues, but this is the first time they have ever dealt with a bank that seemed dead set on being as difficult as possible. They even acted like they didn't want to be paid off! Steer clear of ever doinf business with this company!

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 2021-06-12
Company: AFNI 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: Investigation took more than 30 days

Complaint:
i Filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since the beginning of 2021, I have been making regular mortgage payment plus additional principal payment in an effort to payoff current mortgage. Since XX/XX/2021, I have had to call Mr Cooper because of misappropriation of the principal payments. Mr. Cooper will take the principal only payment and divide it into principal, taxes and interest. After placing a call, i would be reassure that they would reapply the extra amount to principal only. I was also informed to make regular monthly payments then the next day make a principal only payment. In XX/XX/2021, I make a regular payment then the following day a principal only ; however, the principal only was misappropriated again. I am needing assistance with Mr. Cooper to insure that my extra principal only payments are applied according to my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
i disputed this account because it was a fraud account i never had a car or purchased a car with SANTANDER CONSUMER USA they are sending me letter harnessing with phone calls and sending letter i was in college my purse was stolen i have never has account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
All 3 Credit Bureaues are reporting that I have 2 Discover Bank accounts and thats inaccurate information, I only have one up to date paid as agreed with no delinquents credit card account. Its also reporting that I opened my Discover account in XXXX and thats inaccurate. I opened the account in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: SYNCHRONY FINANCIAL
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Synchrony Bank charged my credit card account ( issued through PayPal as PayPal Credit ) for a " provisional credit '' that they NEVER issued. I tried to file a dispute with them but that was not resolved even though I provided all needed documentation to prove that Synchrony Bank did not issue me a provisional credit. So they charged my account without authorization. So now I am obligated to pay off the balance that I did not even occur to begin with.

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 2023-12-03
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently checked my XXXX  account and noticed a unauthorized collections account under my account under collections account LVNV FUNDING LLC and the original creditor being XXXX XXXX XXXXXXXX XXXX XXXX in the amount of XXXX XXXXthat I know nothing of or applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A loan/credit card from Capital One is showing up on my credit report from XXXX. I was born in XXXX, which would make me XXXX XXXX XXXX and not of age to concent to someone using my social security number. Neither of my parents authorized this as well. Capital One says they cant find anything with my information on it and therefor will not help resolve the issue of it showing up on my report. I am in the process of purchasing a home and this negative mark is preventing me from the purchase. I dont have the luxury of waiting for this to be resolved, it needs to be done immediately so Im able to show an accurate number for my credit score. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
send XXXX on XX/XX/XXXX # XXXX received reply on XX/XX/XXXX Company 's Response on XX/XX/XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX has reviewed the information provided by XXXX XXXX, as well as the information associated with XXXX   reference # XXXX. The debt was assigned on XX/XX/XXXX by the original creditor, XXXX XXXX XXXX XXXX XXXX The debt was assigned with a principal balance of {$670.00}. Allowable statutory interest has accrued on the debt, in the amount of {$88.00}. The current balance as of the date of this response is {$760.00}. XXXX sent a debt notice to XXXX XXXX on or about XX/XX/XXXX at her last known address on XXXX XXXX. XXXX did not receive the notice returned as undeliverable. XXXX has attached the document provided by the original creditor to support this debt. If XXXX XXXX would like to discuss this account in detail she may contact XXXX 's manager XXXX directly, during normal business hours. 

send new reply on XX/XX/XXXX # XXXX after there reply : OUR COMPLAINT I send a report with cfpb on XX/XX/XXXX, and received a reply from the company on XX/XX/XXXX. In the reply said the amount owe and a copy of the bill. I don't remember if this is one of the companies I went to, because the dr 's was changing me to diffent places to get my medicine. I didn't see a contract or ect, just the bill. But XXXX claim that they sent a letter to me on or before XX/XX/XXXX to my XXXX address and they never received it back, so claim that I received it. Well I never received anything at no time and nothing after the month 's they claim they mail me one. which I think the company did not send me any letters in which they claim, and never came back to them. so it's my word against their, how can I proved it, that they give me notice to disputed the collection. I have a mail center that records every mail that come in on my account. I got a copy for XX/XX/XXXX to XX/XX/XXXX showing no mail from there company never showed up at my rainbow address. The mail center is Mail link plus in XXXX XXXX, Nv XXXX XXXX XXXX this company only send me a copy of a bill, no contract or ectXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My escrow balance is more than needed. My property taxes have gone down by {$700.00} and the company will not review my escrow balance / conduct a new escrow analysis until next XX/XX/2022. I think this is too late to be taking more money from me than needed to fund an escrow balance that will not be needed.

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 2023-10-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I leased a vehicle with XXXX XXXX in XX/XX/XXXX. 39 month lease. 100 % on time payments. At the end of the lease in XX/XX/XXXX I returned the vehicle. I received confirmation ( in the form of a document I have and signed ) that the 2 sets of keys were returned, the lease has ended, they received the car and the mileage allowed did not go over. I also have a condition report that the car was in perfect condition and dealership was going to sell it. However XXXX XXXX since XX/XX/XXXX keeps submitting to my credit reporting agencies that I am late on payments for XX/XX/XXXX and XX/XX/XXXX and will keep submitting that I am late for every month until this is corrected. due to this incorrect reporting my credit score has dropped around 50 points. I have 100 % on time payments with everything including XXXX XXXX. XXXX XXXX computer system thinks I still have the vehicle and they think I still have payments so when they don't receive a payment they are reporting it late. It's impossible to make a payment on a vehicle that I do not have any longer, nor do I have an open account with XXXX XXXX. When I call XXXX XXXX they keep apologizing and say that their records show I owe property taxes on the car, which XXXX XXXX knows is incorrect because the car is in California and we do not have property taxes here. I have been disputing this since XX/XX/XXXX and yet XXXX XXXX continues to report that I own the car and that I have payments. The vehicle has been sold and XXXX dealership confirmed that. My lease is up, I do not have the vehicle and I do not owe any money, especially property taxes. XXXX XXXX refuses to correct it with their automated billing. This problem will never ever end and they will continue to report late payments every month and their computer system will not stop. I need your help to stop this. I have disputes with XXXX, XXXX and Experian. All agree this is an error but can not stop XXXX XXXX 's reporting late payments every month to them. Please please help me. I have never been late on any payments and this false inaccurate reporting by XXXX XXXX has to end now. I have called XXXX XXXX many times and they do not want to help and they do not want to look into the property tax charges, even the tax collector has called XXXX XXXX to say no taxes are due, yet XXXX XXXX continues to say I owe taxes, but they are reporting it to the agencies as late payments. They are really a messed up system that doesn't want to help. i am praying you can help 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 2022-04-25
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, has violated my rights . 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation