BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
wells fargo incorrectly gave me overdraft charges from the year XXXX and when hacked my identity was stolen by them

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 2018-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2017 I wrote to the disputes department of Portfolio Recovery regarding a supposed debt that they alleged and in this letter that was sent certified with return receipt they were instructed to contact me in writing only and to provide proof of the debt. 

They have continued to call repeatedly to my cell phone number and today at XXXX XXXX they called my employer. They had sent a photocopy of a statement that didn't indicate anything about their right to collect on the debt, more importantly the debt has passed the statue of limitations and is no longer enforceable. 

I believe this is a direct violation of the Fair Debt act and want this harassment to end immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: MT
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:
Experian I changed my legal name in XX/XX/XXXX in the XXXX of Arizona, XXXX XXXX. I sent the court documents online as Experian requested in XXXX of XXXX. Then I called in late XXXX to ask if they would please merge my files because they had two files. They said they received the paperwork and apologized it had not been done. They told me to call back in two weeks. I did. They still had not merged the file. I spoke with XXXX, who told me she would escalate it to the data quality department. She gave me a case number and said to call back in two weeks. I called back, but for the next week and a half, their phone lines were down. Finally, a month later, I was able to connect with them again. I spoke with XXXX, who found the file was still not merged then the call was dropped. ( When I call the initial person to answer the phone, tell me they don't care, and it's not their job to merge files, I just need to get over it. They constantly argue non-stop and drop my call instead of getting me a manager. XXXX, I think because he kept mumbling, his name would not give me to a supervisor because was concerned I would complain about him. Truly the worst service I have ever had at any company EVER. ) Then I called back the next week after XXXX dropped my call. I was told they would merge the file and to call in a week. I called in a week, it is now XXXX ... .I got XXXX XXXX who said by this XXXX, the XXXX of XXXX, the files would be merged. She hinted that they would only do part of my old file, not the whole thing, because they didn't need to do anything past seven years. I disagree with this. She would call me if she had any progress otherwise, wait and call back. This whole situation is stopping me from being able to buy a house or get a credit card because companies can not verify me. I need my files to be merged. I have the same date of birth, same social, same previous address, and banks. They have the court paperwork and will not do their job. The case number is case number XXXX. Please help

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 2018-04-12
Company: EQUIFAX, 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 have submitted complaints before and I will do so one more time, I have several and I mean several inquiries on my reports that are from the years XX/XX/XXXX-XX/XX/XXXX that do not belong to me, and I have no knowledge of. I have called the creditors and they say they can not remove them call the bureaus, I call the bureaus and they say they can not remove them, well, last month we went through this same thing I sat right next to my brother as he called all 3 bureaus and he had 30+ inquiries removed just by saying they were not his, in which they were not his they were made from a different state that he does not reside in, I called and wanted mine removed and I was told they could not remove them. I have tried to dispute these with the bureaus by sending in letters and calling again nothing, sent in a complaint and again nothing, well, I just seen and took a screenshot of another lady who called all 3 bureaus and got 66 inquiries removed in one call, but I can not get just the ones I know are not mine removed!?? I believe this to be a discriminatory issue that I will indeed address accordingly! I am absolutely tired of seeing and hearing with my own ears people calling and having inquiries removed no questions ask, but mine can not be removed. There are some on my report I do have knowledge of doing, but the ones I want disputed were during the time of the death of my mother and I know for a fact I did not do them because I had no access to any kind of internet or phone during that time!!!! I am asking once again that this situation be addressed or I will be going further with my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: PR
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:
XX/XX/XXXX y XX/XX/XXXX I submitted a dispute with Equifax regarding a XXXX XXXXXXXX XXXX XXXX {$29000.00} in balance. I explained to them that I do not have such card and never did but they refuse to remove it from my credit report. 

I dont have any information about this card nor ever received any letter from any bank or credit card company regarding it. 

I also disputed this issue with XXXX XXXX and they removed it from their credit report. 

This is affecting my credit daily and I need this solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received collection notice from Credence in XXXX Texas claiming I owe them {$1700.00} for a debt owed to XXXX XXXX in California. I have paid that debt to another collection agency XXXX XXXX also in XXXX. You have investigated this before and XXXX XXXX sent you confirmation that I had paid them.

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 2016-02-13
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A medical bill, paid by the VA in XX/XX/XXXX, was sent to collections in XX/XX/XXXX. I was never responsible for this bill and I never released my social security number. Collection was filed in XX/XX/XXXX against my social number. I never received any written communication from the private medical facility. This came to my attention a few weeks ago, when denied credit, based on this collection. The bill was the responsibility of the XXXX XXXX VA and they paid it in XX/XX/XXXX. So how did they get my social an why file a collection when the debt was paid. Identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is the account. I had 1 card with them credit amount was {$300.00}. It went into default in XXXX for amount on my credit report of {$380.00}. They put that as a derogatory mark on my credit, which I understand that. But EVERY month since XX/XX/2023 they've been putting a derogatory mark on my credit and changing the amount to be higher and higher to the point it says that the latest is $ XXXX. I spoke to someone there who never really gave me an answer as to why they're doing this. I was trying to build my credit back up and this company keeps hitting my account and dropping it every month that it looks like I don't pay back.

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 2022-10-27
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Regions bank has sent documentation that they were closing my bank account in 10 business days and issuing me a check for the remaining balance in my bank account. It has been over 30 days. I have had no access to any funds in my account. Theyve instructed that my funds are not on hold just my bank account. There letters to me instructed that the account will close with ten days of the postage letter and funds be mailed to me in a check. Ive contacted numerous branches no one can help. I need my money now. I am going threw a extreme hardship with a XXXX  fianc.

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 2016-11-23
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I took out a mortgage loan. The monthly payment was advertised to be a low payment. However, within the first year of the loan, the monthly payments kept increasing until I was not able to afford the payment anymore. The bank has changed several times. The loan has been transferred to several entities as you can see it on the summons and complaint and bank correspondence. I tried to do a loan modification but the bank, previous bank, claimed that my application was incomplete when I sent all the documentation required under the XXXX guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Transunion is report inaccurate car payment balance that has been paid off about 1year XX/XX/2022 now balance of {$2200.00} still reporting incorrectly

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 2022-07-14
Company: CL Holdings LLC
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor I have no idea why this is on my account! We like have this removed and a letter in writing. 

XXXX XXXX Last reported XX/XX/2022 {$750.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$440.00} Open balance XXXX XXXX Last reported XX/XX/2022 {$1500.00} Open balance XXXX XXXX XXXX Original creditor I would like to have all of these disputed!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Conn's, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
For about XXXX6 years I have had multiple accounts with Conns XXXX XXXX. NEVER once have I ever missed a payment on any of my accounts during all these years. In XXXX 2015 I was late due to holidays and financial struggles. I am at the time in my life to become a first time home buyer and live the american dream. The 30 day late from conns reporting is preventing me from getting special programs i can be eligble to become a homeowner. I submitted a request for a goodwill adjustment to remove the negative reporting due to me being such a good customer out of all these years and having only XXXX late. I really want to become a homeowner and am requesting they remove this XXXXlate payment from credit reporting to all XXXX credit agencys. I am a good customer and deserve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2022, XXXX XXXX XXXX provided paperwork stating the information reporting on a credit report is correct. XXXX XXXX XXXX provided a detailed payment history showing the end balance owed was {$7300.00} ( please see attachment ). 

On XX/XX/2022, letters were sent to said bureau requesting the information be deleted because the amount being reported is incorrect ( please see attachment ). According to the FCRA, all information reporting on a credit report must be accurate and must have supporting documentation and that document be provided when requested by the consumer. 

On the most recent report, XXXX XXXX XXXX is still reporting the account as a collection with a balance of {$17.00}, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: PHH Mortgage Services Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I 've receiv ed four letters i n the last month fro m PHH M ortgage in reference approximately {$10.00} in additional escrow payments. Each letter I receive for additional money for my monthly mortgage payment is followed up by me with a phone call to their customer service. I always ask to speak to a representative in t he U. S. A. t o insure their is no language barrier.  <P/> My conversations with  PHH c  ustomer service representatives indicate their is no issue with my mortgage and I am current with my mortgage payments. Within a week of the above conversations, I received two letters form PHH stating I owe  them money for late payments, including the next months mortgage payments.  <P/> The most recent letter form  PHH states they have not received my current month 's payment and is a notice of the creditor 's ( PHH Mortgage ) intent to enforce a lien against my property. I followed up on this ( third ) letter to PHH customer service re presentative  XXXX   XXXX  who assured me there will be no lien on my property and my payments are current.  XXXX  advised  that PHH Mortgage is a large company and it is impossible to communicate with the person ( s )   who are responsible for late/missed payments.  <P/> To his credit,  XXXX   XXXX  sent me an e-mail indication my mortgage payments are current and no money is owed to   PHH Mortgage.
<P/>
This complaint is to inform CFPB that PHH Mortgage is sending harassing letters with false information to customers and continue to send inaccurate information to customers, via weekly letters to respond with additional money not owed to PHH Mortg  age.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am the custodian of a business checking account for a small student organization at a public law school. The account is held with Wells Fargo, which is also my primary personal depository institution. Our organizations fund balance was XXXX from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, Wells Fargo began charging a $ 10 monthly service charge to the account ; the description of fees provided on the statements claims the account must maintain a balance exceeding {$500.00} to avoid this fee. 

This fee had never been applied previously was not disclosed to the account custodian at the time. There were no changes in behavior from the organization from XXXX XX/XX/XXXX to present, no documents signed on or around XXXX XX/XX/XXXX when the fees were first applied, and no communication of any change to any agreement or contract on or around XXXX XX/XX/XXXX or otherwise. 

The issue went undetected until XXXX XX/XX/XXXX, due to infrequent use of the account for expenses by the organization, at which point {$80.00} had been drained from the account by service charges. The account has been with Wells Fargo since XXXX ; at no time, as best I can discern from the record, was this fee ever applied. I do not know, but doubt, that it was originally included in the contracts associated with opening the account. It appears to be a retroactive change in long-standing policy without any notice. 

The organization rightfully relies on the understanding that there are no maintenance fees and routinely maintains the account with less than {$500.00} dollars. Had we been notified of this fee or had it been addressed during a contract negotiation, we would have either changed our depository behavior or taken our business elsewhere.

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 2020-12-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A final judgement for Dissolution of Marriage between XXXX XXXX XXXX and XXXX XXXX XXXX was issued on XX/XX/2012 in Case Number - XXXX XXXX. Please visit XXXX XXXX XXXX  for a copy of the court document. The Community Loan Servicing in the amount of {$150000.00} is outstanding debt related to the marital home. Per the final judgement, the marital home was awarded and deeded to XXXX XXXX XXXX AND is 100 % financially responsible for all of the mortgage payments, insurance, taxes, and all associated debts related to the marital home. She was also ordered to remove my name from all mortgages and financial obligations related to the marital home by XXXX XXXX, 2012 OR put the marital home up for sale. According to Florida law, the Mortgage Note and the Warranty Deed are ( 2 ) separate legal instruments, independent of each other. I believe Community Loan Servicing and XXXX Home Lending, the lenders, breached Florida contract laws implied covenant of good faith and fair dealing by modifying a mortgage contract without my signature and still hold me financially responsible. I hereby dispute this account as she has modified the loan in her name as single and unmarried AND it is still reporting on my credit as Ms. XXXX is currently in contempt of court for failing to remove me from the mortgage or dispose of the property in a timely manner. This lender, having knowledge of the final judgement based on the loan modification, is still reporting on my credit profile which is a direct violation of the Fair Credit Reporting Act in my opinion. The Banks knew the terms of the final judgement and modified the loan instead of refinancing it. The bank had the opportunity to refinance or let her assume the mortgage based on the same terms of the modification since it is based on her income and credit as well. As per the court order she is 100 % financially responsible for the debts related to the marital home. A copy of the Deed to the property and proof of the loan modification can be found at the website listed below. XXXX XXXX XXXX ( Acclaim Official Records )

Company response to consumer: Closed with explanation