BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-26
Company: EQUIFAX, INC.
State: NJ
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/2020 submitted a dispute letter to Equifax stating and labeling specific inaccuracies with a Negative Account name XXXX XXXX - XXXX. I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation based off of my dispute.. Equifax replied to the the dispute by saying the account was verified as mines, when this was not the premise or reason for my dispute as stated in the original dispute letter which I uploaded to this complaint along with the supoorting documentation proving and showing inaccuracies for the negative account XXXX XXXX. 

Now to get to the nature of my dispute XXXX XXXX 1. Reporting 3 different payment status to all 3 Bureaus 2. Reporting 3 different Past Due amounts. XXXX- {$5800.00}, XXXX {$0.00}, EQF- {$5300.00} 3. Reporting 3 different Balance amount, XXXX-5836, XXXX- {$0.00}, EQF- {$5800.00} 4. Date of lasy payment is not the same across the 3 Credit Bureaus. 

By looking at the documentation I submitted a these is just some of the multitude of errors that I disputed specifically and never was investigated in too. All I got was Results saying ACCOUNT BELONGS TO ME, WHICH WAS NOT MY DISPUTE. A FURNISHER CAN NOT FURNISH 3 DIFFERENT VERSION OF SUPPOSEDLY THE SAME ACCOUNT TO THE3 BUREAUS Its obvious the Equifax did not do a complete and thorough investigation, and did not rely on any of the proof that I sent them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
i have been a long time wells customer in XX/XX/2007 my loan was here and i got offers for free checking no minimums My loan was TRANSFERRED out and as a result i have lost all my perks and am getting billed fees. I want them refunded i wish my crown to stay here at least XXXX with no minimum required. AS it was grandfathered. i dont want to have to leave the bank. This is not fair right now i have a fee on XXXX and XXXX will likely be billed this is not right or fair PLEASE help me or i will have to leave the bank altogether. i dont want to i did not ASK for this HELP no red tape no scripts Help for loyalty Just got hung on by CS pull the cALL no fees please refund my money in XXXX put in XXXX and give me time to go elsewhere if you cant help me i cant and should not have to pay fees

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 2021-03-25
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:
XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX Afni, XXXX Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Creditor Account # : XXXX This letter is to verify that the account listed above has been closed as settled. If information on this account has been reported to the credit bureaus, XXXX will send notification to the credit reporting agencies with instructions to accurately reflect its current status. 
If you have any questions, please contact our office toll free at XXXX Monday - Friday XXXX - XXXX CT. 
NOTE : This is a receipt for payment. However, if the payment received is later determined to be invalid, collection activities will resume, and the balance will again be owed. 
You have the right to inspect your credit. This letter is from a debt collector. Sincerely, XXXX, XXXX. 
XXXX reditor : XXXX, subsidiary of XXXX Original Creditor : XXXX Account # : XXXX Reference # : XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX, FL XXXX ( XXXX ) XXXX https : XXXX XXXX Hours ( Eastern Time ) : XXXX AM XXXX XXXX M Th XXXX XXXX XXXX XXXX F XXXX XXXX XXXX XXXX Sat. 
This is to inform you that we have received payment ( s ) totaling {$350.00}. Your last payment was received in our office on XX/XX/2021. 
XXXX is now part of the XXXX XXXX. 
Your account has been settled for less than the full original balance. All future collection efforts have ceased, and the residual balance will remain with XXXX. 
This agreement is contingent upon the successful clearance of all payment ( s ) made towards this settlement offer ; if any payments ( s ) made as part of this agreement fail to clear, this letter will be null and void. 
XXXX XXXX, Senior Vice President of Operations NOTICE : This is a communication from a debt collector. 
SEE NEXT PAGE OR ATTACHMENT FOR IMPORTANT NOTICES AND CONSUME

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 2019-07-11
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: Information belongs to someone else

Complaint:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I reached out to the FTC and my local police. I'm also doing this on my own behalf. These items need to be deleted from my credit report XXXX, US Dept ED, DeptedXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that dont have a name but the account number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25
Company: Ditech Financial LLC
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: Public record information inaccurate

Complaint:
My then-wife ( now ex-wife ) XXXX and I had a first and second mortgage on a house we owned in XXXX XXXX, Colorado, several years ago. We purchased it in XXXX for approximately {$420000.00}. XXXX subsequently and irretrievably lost her job as a XXXX  XXXX due to XXXX XXXX XXXX XXXX XXXX and we were unable to afford both mortgages. We applied for mortgage relief, including a negotiation for a short-sale on the second mortgage. The first mortgage company was going to be fully repaid regardless of the outcome, as the first mortgage balance ( {$310000.00} ) was well below the market value of the property at the time of resale ( {$370000.00} ). The second mortgage holder was unwilling to budge, despite the fact we received two real estate contracts to sell the property for significantly above the balance of the first mortgage ( contract amounts of {$370000.00} ), yet below the then-existing market value, which was at the depths of the mortgage valuation crisis in the U.S. We negotiated in good faith for over a year, which included paying the full monthly second-mortgage payment during the entire negotiation period, which they vaguely promised would result in a positive outcome. Yet, we had zero success in reaching an agreement with our second mortgage holder. The first mortgage holder, having no incentive to delay foreclosure, foreclosed, which under Colorado law, caused all junior liens to drop off as a matter of law, as though they had never existed. We then filed for chapter XXXX bankruptcy to discharge the then-existing unsecured debt, which was discharged in XXXX, including the prior second mortgage. 

The second mortgage company, whose lien was removed as a matter of law at the public trustee 's sale in XXXX, and whose loan obligation was discharged at bankruptcy in XXXX, has now refused to deleted the {$170000.00} lien amount from my personal credit report. This has resulted in my inability to qualify for an otherwise attainable FHA loan. 

I am requesting relief of the inaccurate credit report which shows a {$170000.00} balance to Ditech. The loan balance was discharged through bankruptcy, and the lien was removed as a matter of law. And we have no longer owned the subject property since the public trustee 's sale in XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: GA
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: MA
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 two accounts on my credit report that do not belong to me : XXXX/Dept Of ED - {$5700.00} BALANCE - XXXX - OPENED XX/XX/2018 XXXX/Dept Of ED - {$3600.00} BALANCE - XXXX - OPENED XX/XX/2018

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 2020-09-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, My loan is serviced by Select Portfolio Service I have asked them who is the banker on this loan they say they don't know they have to send me something in writing I have requested this information over 20 or more times never get an answer I just request it again today XXXX/XXXX/2020 and again they said they have to mail it but that it never comes in the mail. 
My mortgage statement comes in the mail so I know they have the correct address my interest rate is fixed at XXXX % from a modification I was asking them for help to modify the loan for a lower interest rate instead they so-called lowered my payment but put me in a loan that is completely upside down meaning over 75 % of my payment goes to interest keeping my escrow and principal payment in the red. 
Every payment I make my principal balance goes up and escrow fall short right now my principal is XXXX and my escrow is XXXX my escrow would have been more but I made an additional payment of XXXX towards my escrow a couple of months ago I have tried everything to help myself I was sick when I got myself into this mess but now I am better and can see what they are doing my house has been paid off several times with all the money I have just given to these people I want to be able to pay off my home. 
Please help!!!! 
Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 my car key was stolen, the stolen key was used to get into my my car, my wallet was stolen from the car with my Bank of America debit card, one other debit card, a XXXX XXXX credit card, a drivers license in the wallet, plus my cell phone was stolen. The thief or thieves used my BofA card to make one unauthorized ATM withdrawal of {$460.00} and one charge of {$2100.00} at XXXX XXXX as well as using the other debit card and a XXXX XXXX credit card to make additional charges of more than {$16000.00} at the same XXXX XXXX, plus {$4300.00} at XXXX XXXX XXXX XXXX. I notified BofA of the theft within 24 hours of the theft and disputed the ATM withdrawal and the charge at XXXX XXXX. I provided BofA with the name and contact information for a witness who let me use his cell phone to call XXXX to get a locksmith to cut a new key and program an electronic fob. He can attest I was either in the ocean surfing or standing by the side of the road waiting for XXXX when the ATM withdrawal and charge were made at an ATM and a store 10-12 miles away. I also submitted voluminous documents, which are attached, proving I could not have been present at the bank and the XXXX XXXX where the withdrawal and charge were made, including records from XXXX showing that I was stranded by the side of the road waiting for a XXXX technician to cut a new car key at the time two of theunauthorized ATM withdrawal was made. In addition, the transaction history on my BofA account shows I rarely if ever use my ATM card to make purchases and never purchases of hundreds or thousands of dollars. Nor have I ever purchased any item at the XXXX XXXX store in XXXX XXXX where the {$2100.00} charge was made. I also filed a police report with the XXXX XXXX Police Department, which is also attached. 

The XXXX XXXX services fraud investigator has concluded that the {$4200.00} charges on the credit card at XXXX XXXX  was fraudulent ( that resolution letter is also attached ). BofA denied my claim initially on or about XX/XX/2021 but reopened it when I provided additional documentation. However, BofA again denied the claim on XX/XX/2021. This denial is inappropriate under the Electronic Fund Transfer Act, 15 USC section 1693g because I did not authorize the transaction and timely reported 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 monetary relief
Consumer complaint received 2020-02-21
Company: INVESTORS BANK
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mortgage fraud. My ex-husband took out a mortgage in XXXX, XXXX, for {$670000.00} without telling me and forged my name on all of the documents. I found it in public records in XXXX, post divorce. The original lender is XXXX XXXX XXXX. Investors Bank bought it and it was discharged in XXXX. My ex-husband 's lawyer is knowingly concealing these crimes and refuses to produce the documents because the divorce was finalized. Someone tampered with public records, because the mortgage is recorded with Investors Bank on it as the Lender and my name as the Borrower. The public record of this mortgage is notarized, yet I never signed anything related to this mortgage. The mortgage documents are filed in the XXXX County Courthouse. A subpoena for the mortgage documents and application was served  upon Investors Bank last month. They refused to produce the documents to me. After several conversations with Investors Bank, they sent me a secure email stating that my social security number is not and has never been in their system. Yet there is a mortgage filed with Investors Bank and my ( now ) ex-husband and myself both listed as Borrowers. Please help me access a copy of the application I am legally entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: MI
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 have been sending written letters to Experian about the errors that I am seeing on my Credit report. However, I am not seeing any changes, improvements, or corrections on my reports. They kept reporting a lot of inaccurate information in my credit report which is no longer acceptable. Aside from that, Experian and the furnishers have failed to notify me about the issues. Thus, they were not able to meet the requirement of the FCRA which demands them to provide a XXXX percent accuracy on the report and should they provide significant and legal documents to affirm their remarks. Below are the list of the items I have been concerned on : XXXX. XXXX XXXX XXXX Balance {$830.00} XXXX. XXXX XXXX XXXX {$0.00} XXXX. XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX {$420.00} XXXX. XXXXXXXX XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance {$1200.00} XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. TXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  XXXX ( Original creditor : XXXXXXXX XXXX ) XXXX Balance {$1100.00}

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 2021-08-05
Company: EMBRACE HOME LOANS
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I attempted to close on my property yesterday. My property was originally purchased using Embrace home loans but they sold the mortgage years ago to XXXX. This peoperty is paid in full and I have not had dealings with embrace in years. Embrace placed a lis pendens on the title XX/XX/21 and I was not able to close because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Sequium Asset Solutions, LLC
State: MI
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:
Attached is the Identity Theft Report. Companies refuse to remove.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Radius Global Solutions LLC
State: MS
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:
XXXX XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed 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 2021-12-02
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I went into the forbearance program with suntrust now truist until XX/XX/XXXX do to the covid pandemic. I paid my taxes and home owners insurance in XX/XX/XXXX as instructed by suntrust now truist I contacted the XXXX XXXX to begin my exit strategy from forbearance in order to have enough time to get all my paperwork completed by XX/XX/XXXX. I called several times a week to get my paperwork my home preservation client representative kept telling me they were behind in sending out the paperwork due the covid 19 pandemic. In XXXX when they did send me out the paperwork it was the wrong paperwork since I was had an FHA load snd wanted to defer my payment doing a partial claim because they never instructed or sent out the correct paperwork I was denied now they have sent me a letter of default I call the 2 to 3 times a week never get the correct information or the same person. My home preservation client representative never call me back I need help please please I have been trying to rectify this situation for 6 months no one at Suntrust listen all I want them to do is the deferral partial claim do that I may begin making my payments again please 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 non-monetary relief
Consumer complaint received 2019-09-17
Company: CITIBANK, N.A.
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:
On XX/XX/2019, I received a call from a collection agency ( " XXXX XXXX '' ) about a delinquent XXXX cell phone company account that I knew nothing about. The collection agency possessed sensitive personal information about me that I had never provided to their client, i.e., XXXX. I immediately started working to report and resolve this identity theft issue. Related to this effort, I obtained an XXXX   Credit Report for myself ( XXXX XXXX XXXX ) dated XX/XX/2019, and confirmation # XXXX. In the Inquiries section of the report, specifically the subsection listing " inquiries that may impact your credit rating, '' I discovered one from " The Home Depot/XXXX '' dated XX/XX/19 that I had no knowledge of. The store address given was as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Today I attempted several phone calls to try to contact the Home Depot consumer credit department to advise them of this case of identity theft. However, Home Depot 's automated phone system never let me talk to a real person to report this issue.

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