BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been a victim of identity theft, Ive been harassed. I didn't give anyone permission to share, sell, trade or anything that involves sharing my information to someone else. Show me proof that I gave you permission to have my personal information. Show me Front and back copy of an authenticated application bearing my autograph. Show me proof that I gave you written permission to furnish anything on my consumer report. I need to see the following from you Name and address of alleged creditor. Name on file of alleged debtor. Alleged account #. Address on file for alleged debtor. Alleged account #. Amount of alleged debt. Date ( this alleged debt became payable ). Date of original charge or delinquency. Was this debt assigned to a debt collector or purchased? Amount paid if debt was purchased. Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your client that grants Wakefield & Associates the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to Pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any judgements been obtained by any creditor regarding this account? Yes No Please provide the name and address of the bonding agents for XXXX XXXX in case legal action becomes necessary : Authorized Signature of Creditor : XXXX Date : ____________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt. If you can not comply with. I need this to be deleted from my consumer report, failure to comply will result in {$1000.00} for each violation you are harming me with. I am very stressed out from this treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I received an email from Checkr who performed a background check for XXXX. The information on the criminal background check is incorrect and I would like this to be resolved immediately. Checkr states I pled XXXX XXXX on a XXXX XXXX XXXX on XX/XX/XXXX. The court records clearly states the charge was Dismissed. Ive attached the consumer report along with the court records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CBC Companies, Inc.
State: MD
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:
Concerning the mortgage loan account of XXXX and XXXX XXXX loan : XXXX For maybe over an year since our mortgage loan was Service transferred from XXXX XXXX to XXXX XXXX  XXXX, I have been going back and forth with XXXX XXXX about radical and ongoing changes that were going on with our credit bureau accounts on all four of the credit bureaus ( XXXX, XXXX, XXXX, Innovis ). Recently we discovered that the many ongoing changes were not the work or came from XXXX XXXX. And based on what we both ( MyselfXXXX XXXX ) had concluded, the changes were being done from the four credit bureaus that I previously listed. For instance, attached is a screenshot from our XXXX  XXXX XXXX mortgage account. That screenshot shows a very different account than what is at the other three bureaus. It also shows an entire credit history being removed with other changes. This was not done by XXXX XXXX. As well, the Innovis account is only showing the current payments. These are also radical differences between the other bureaus as well. And for the XXXX, the score does not change regardless of payments being made. This account seems to be LOCKED at a set score, and the same applies to Equifax, but has gone up 1 point. In correspondence with XXXX XXXX, they had indicated that they had submitted to the three credit bureaus to DELETE the accounts for both my wife and I ( see attached ). The attach document contain a section of our correspondence that I asked them to send me separately it is dated for XX/XX/XXXX. Im not surprised that the changes had not happened yet, because it turns out there are so many other request they have made over the year that were not changed. On the accounts there are statements or other things that were added to the accounts that were not there when it initially transferred over. Where XXXX XXXX had been requesting to have the account corrected to show Service Transferred it has been showing Transferred to another office that plus some other changes they have submitted request for update and that I should be able to see the update after 5 days. Being hard to believe, this is factual of what has been going on with our credit reporting, where its clear the score have been suppressed and some of the statements on the accounts have been changed. And for more 12 months and the many request to update, it has not happened. So hopefully that attached statement from XXXX XXXX can get the accounts removed is what XXXX XXXX felt would be a better solution for us since its been impossible to get the accounts restored to what they were originally and updated as requested. And for the more than 15 years of being with XXXX XXXX, unlike anything weve been going through since the Service Transfer of XX/XX/XXXX, we have never had a complaint with XXXX XXXX or have ever had a credit bureau issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While checking my credit report, I notice an account from WF/XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that WF/XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2021-08-16
Company: Mendelson Law Firm
State: MS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX Notified of debt via USPS mail XX/XX/XXXX Contacted the office via mail for debt validation ( no response ) XX/XX/XXXX I contacted Mendelson and Mendelson and talked with XXXX ( ext XXXX ) who informed me that the debt was valid and I had to start making payments or I will be taken to court. She indicated to mail the payments, but I told her I do not recall that I owed the debt and I would like proof of such before making payments. I also asked how old was the debt since I could not remember owing. She indicated that they verified that the debt was valid through an internal process and that it will take a while for them to process my request for proof and that the age of the account did not matter because I can be sued at any time. However, while we wait, I must mail the payments or I will be immediately sued. She initially told me to mail money orders, but I requested portal access for documentation purposes XX/XX/XXXX - Requested update on debt validation ( no response ) XX/XX/XXXX, XX/XX/XXXX - Requested update on debt validation ( no response ) XX/XX/XXXX - Notification of lawsuit XX/XX/XXXX - Talked with XXXX at Mendelson and Mendelson and informed her of the lawsuit. She said the purpose was to ensure that I continue to make payments and that she could send me out a payment arrangement document to sign or a settlement form and the lawsuit would be over. I directly asked her was it a payment arrangement or a judgement. She then replied a judgement. I told her that I was not going to agree to anything without knowing I owed the debt. She then told me ( as they usually do ), that I do not have to respond to the lawsuit because since I called in, I have fulfilled what I needed to do. This information given by XXXX was incorrect. 

XX/XX/XXXX - Responded to the lawsuit again requesting validation ( copies filed in the local courts and sent law firm a certified letter USPS Tracking number XXXX XXXX XX/XX/XXXX - Mendelson Law Firm sent a consent judgement erroneously indicating that I agreed to it. I did not agree to such at all and did not sign it. 

XXXX XXXX - Received payment history with last delinquency date of XX/XX/XXXX XX/XX/XXXX - File another response in the court and sent same letter to Mendelson and Mendelson informing them that they violated my rights to proper debt validation and the lawsuit is time barred for enforcing the debts through the courts. ( USPS Tracking XXXX ) XX/XX/XXXX - Menndelson Law Firm sent and filed a copy of a Notice of Service ( Deposition? ) with the court despite that this debt is time barred.

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 2019-03-20
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Closed Savings account with Golden1 Credit Union on approximately XX/XX/19 in the amount of {$480.00} .Customer service number XXXX. As of today, XX/XX/19 no cashiers check in the mail. Contacted Golden1 and was advised that I have to wait 90 days before new check could be issued.

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 2023-07-31
Company: EQUIFAX, INC.
State: TX
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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo intentionally miscalculates an escrow account shortage to raise the monthly escrow payment. 

I received a letter dated XX/XX/XXXX saying " Your escrow account has a shortage of {$120.00} '' My monthly payment will now be increased. 
In " Part 3- Escrow account projection '' and " Part 4 - Escrow account history '', they make a projection based on the current payments. However, they only enter the payment for 11 months and omit payment for the current month - XX/XX/2019. This payment is coming - it is just not due until XX/XX/XXXX. So they make a calculation with 11 out of 12 payments and then state there will be a shortage. 

The missing escrow payment of {$490.00} would more than cover the {$120.00} shortage. This " shortage '' is created by the intentional miscalculation. A reasonable person would project with 12 payments and see there is no shortage.

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 2021-01-28
Company: EQUIFAX, INC.
State: OH
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:
Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have numerous inquiries on my credit report that I never authorized. I paid for Experian membership and can’t review my credit report. The inquiries are from companies i have not seek credit from. Experian refuses to take identity thief seriously. It’s bad enough they have let a collection agency stay on my credit report without really investigating. After the collection agency deleted the account several times Experian will not delete XXXX XXXX XXXX from my credit report. Inquiries are popping up on my credit report and i don’t understand why and who is doing 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 non-monetary relief
Consumer complaint received 2019-03-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My name is XXXX XXXX XXXX. As of XX/XX/XXXX, i received an alert from XXXX XXXX reporting a decrease in my credit score from a reported delinquency. This delinquency was reported from Navient Student Loan Servicing Department of Education XX/XX/XXXX. I was not notified at 30,60, or 90 days to rectify this situation.Once i contacted Navient, i was informed that information regarding my loan and payments was being sent to a completely wrong email address.Due to the lack of communication with my loan company, my loan fell delinquent, resulting in a 90 point decrease on my credit report.I have not had this issue ever in the past. My email has been XXXX, since XXXX. Please update this in your records.This has cause me so much frustration. Moving forward i would like to keep the lines of communication open with Navient. Also, my contact # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Walmart credit card last XXXX and when I received the card I got two discount options : one was getting {$35.00} discount if I made a purchase of {$75.00} or more and the other one was getting {$25.00} discount if I made a purchase of {$25.00} or more. I've made a purchase of more than {$44.00}. This morning when I tried to pay my Walmart bill, there was no discount. The cashier kept my discount flyer with the discount bar code. He said the discount would be in my bill. Now I'm supposed to pay the whole amount because Walmart didn't give me the discount I was told they would give me! I'm really disappointed! I called the customer service and the attendant said the discount will be given in one of the next bills. How come? Now I'm obliged to use my card to get the discount!?! It's not right! The discount should be given right away! They lied to me. I would never apply for a card if I knew they weren't honest to their customers! I'm really upset!

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 2020-11-18
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
in XX/XX/2020 someone used my navy federal credit union card to make a purchase without my knowledge.. the purchase was over {$1500.00} to a company called gotogate.com I tried to resolve with both companies and no one cares

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I have applied for and been approved for a mortgage to purchase a manufactured home. Our lender is 21st Mortgage. Because I am XXXX, the lender has required that I provide copies of tax returns, profit and loss statements, and complete a form which allows them to request transcripts of the returns from the IRS. They have been able to acquire all of the transcripts of tax returns except for one ( 2018 ). Because of the global COVID-19 pandemic, the IRS is closed and this transcript is not going to be available for the foreseeable future. We were approved for the loan on XX/XX/XXXX and cleared all of the conditions by the first week of XXXX, meaning that documents were submitted. The hold-up has been one transcript from the IRS. 

When it was clear this transcript was going to be unavailable, I reached out to 21st Mortgage and offered my own sales reports as well as reports generated by XXXX which would verify my sales for 2018 and thus support the income I reported on my tax return. They have been unwilling to accept this documentation, saying that they require these transcripts for XXXX persons and can not make an exception. 

However, I spoke with XXXX XXXX, Finance Manager at XXXX  XXXX XXXX ( XXXX, CA ), where we are purchasing our home, and she informed me that the lender had made an exception for another borrower who was also waiting for a transcript, " But they have a credit score of XXXX '' she told me. 

While our credit scores are not high, my husband and I own the lot ( free and clear ) at XXXX XXXX where this home will be placed. We also have {$42000.00} as a down payment which is 35 % of the {$110000.00} total cost of the home. We have demonstrated that we can make the payments of {$890.00} which is {$410.00} LESS than our current monthly rent. 
As I read the Federal Reserve 's Fair Lending Regulations and Statutes, it appears to me that it is not allowable to extend an exception for COVID-19 to one borrower and not to others. The regulations protect consumers against disparate treatment. Furthermore, every American is suffering from the COVID-19 pandemic. If not for that circumstance, this loan would have been completed, and we would be living in our home. Credit score has zero bearing on this matter and to use that to deny us an exception granted to other borrowers is not equatable treatment. Please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
State: NV
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/2014 I purchased a van from XXXX XXXX XXXX in XXXX XXXX NV. I made my payments on time for the first 2month, by the end of the 2nd month The vehicle broke down. This was the 3rd time in that 2 months. Finanlly when I took the car to my moms we pulled into a XXXX where the car completly stopped working. We were stranded me and my kids in another town. I immediately called XXXX XXXX   and told them to come get the vehicle and where it was. When they picked up the vehicle I advised them I did not want it back it was a lemon. When I did not pick the van back up from them they counted it as late payments and then placed the car in repossession status. This was not a repossession in any way. I would like it fixed and removed from my credit report. I have been fighting non stop with this. Please have it removed from all of my bureaus this was not a repossession and it was a lemon a bad vehicle that never worked properly. I got scammed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to this agency XXXX XXXX XXXX for a contract to a item in their office # XXXX in the amount of {$14000.00} that they placed on my credit report due to no knowledge of what item is and i can not get a response. The only information i can get from them is that they are not working this item and a phone number to another agency that they said was working this item, i called the other number they gave me and that agency also said that their company is not working the item either, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX phone # XXXX is reported as a derogatory on my credit report please have them to provide me with the contract of this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: CITIBANK, N.A.
State: NJ
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 received a letter from CitiBank XX/XX/2019 addressing my TWO concerns : 1. Debt validation for two CitiBank TWO accounts : XXXX, XXXX 2. Consent Order, CFPB vs Citibank However, here are the problems : 1. Citibank sent me debt validation for only ONE account, instead of TWO accounts. Also the debt validation account number provided ( XXXX ) is not consistent with both accounts numbers listed above ( *see attachment ). 
2. Citibank did not address REASON WHY CFPB vs Citibank does not apply to BOTH my accounts. 

Please address both these concerns. I'd greatly appreciate it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation