BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-07
Company: WELLS FARGO & COMPANY
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: Problem with personal statement of dispute

Complaint:
During the coronavirus pandemic and never being late on my credit card payments in seven years and never late with the history of Wells Fargo the first time I made a payment late although I submitted help with the pandemic they are telling me that I have not successfully submitted assistance. This is a complete lie and I was able to speak to someone over the phone and they told me that they would be enrolling me in deferred payments on my credit card due to the coronavirus pandemic. I was able to successfully submit my mortgage deferment and as soon as I was completed it online a few days later I called in in regards to my credit card via the customer service line they assured me and made sure that they would be ok with my credit card. I truly believe there was a lot of pressure and many people calling in for assistance and it may have slipped through the cracks but I called in and requested for deferment Wells Fargo has many fraudulent activities in the past and has been sued and issued many fines. Im requesting that The pandemic assistance program was requested for my credit card. Moreover, as soon as the late payment was reported I immediately paid off my credit card and set up auto pay and there has never a late payment since, and never have I ever had one prior. In addition, out of goodwill and a one time 30 day late in my history of XXXX payments, I am peacefully requesting that Wells Fargo remove the late payment reflected on my credit score.

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 2020-03-05
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:
Debt is unknown. I personally reached out to XXXX XXXX XXXX and they told me my debt was with XXXX XXXX XXXX. I called XXXX  XXXX XXXX and they never answered my calls so I left a voicemail. I contacted my school XXXX  XXXX XXXX regarding the debt I owed and they told me my debt was with XXXX, XXXX XXXX XXXX XXXX  XXXX. I have already settled my debt with them. I have no idea who XXXX  XXXX XXXX is and I want this incorrect information off my credit report. I havent gotten not one bill from them stating I owe any payments and I havent taken a loan out with 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 2019-05-08
Company: Exeter Finance Corp.
State: TX
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 asked that you investigate and remove the unauthorized inquiry on my credit report. 
Exeter Fin Inquiry from XX/XX/XXXX Exeter Fin Inquiry from XX/XX/XXXX Exeter Fin Inquiry from XX/XX/XXXX I checked my report recently and noticed that you did not remove it. Why is that? It appears to me that you don't care about my rights and my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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 XXXXXX/XX/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 2020-03-05
Company: Land Closing Services, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My company, XXXX XXXX XXXX, is a XXXX XXXX in XXXX, WI. On XX/XX/20, the sale of a business we had listed Closed.  Unbeknownst to me, somewhere in the process of the Title Insurance Company completing their paperwork to release the funds, our wiring instructions had been hacked ( email ) along the way and our commissions earned ( {$90000.00} ) were wired to a bank account in the XXXX. 
I have filed a formal complaint with the State of Wisconsin Office of the Commissioner of Insurance. They sent a formal letter with my complaint to the title insurance company, XXXX XXXX XXXX in XXXX, WI. The Attorney for XXXX XXXX XXXX did contact me and asked for any information I have regarding preparing for the sale to Close. Within 24 hours I sent the information I had for them to review.

One additional factor for me asking for the evidence is from what I have seen in the email that I was told they used to approve the release of the funds, included a reference to a company that was not involved in the transaction at all. 
In my conversation with the WI Office of the Commissioner of Insurance today, they provided me with the information to contact your group.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I asked the company to validate this debt they have been unable to. I have attached proof that the letter was delivered

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 2020-02-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I refinanced my student loans from Wells Fargo to XXXX. I was monitoring my WF account to make sure the payoff amount went through and my loan balance was XXXX. When I checked my account on XX/XX/XXXX, all of my student loan information was gone. This included all statements, 1098 's, and payment information. 

I called the technical support and I was told that all of my information was removed because the loan balance was XXXX. When I told them I had not been notified, they said they would send me my last statement. I told them that I wanted all of my loan documentation and they escalated my account to an analyst to review my request. 

My complaint is that I was not notified of these statement and tax document removals and that a consumer should not have to be escalated to the highest complaint team to receive their records. Additionally, consumers should be alerted to loan payoff 's. I have yet to receive my records.

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 2023-10-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting 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 reach out to XXXX, XXXX, and XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 to report that I'm a victim of Identity theft. I have filed a Police Report with the XXXX XXXX Police Department on XX/XX/2023 as well as to the Federal trade commission on XX/XX/2023. 
I sent certified mail to each and one of the credit bureau with copies of the police report, FTC, driver license, social security, and prove of address from pay stub as well as electrical bill. I have also sent multiple letters to the three credit bureau as well as each and one of the accountants that were open do to identity theft. They have many addresses, names, phone numbers and additional information they have not removed. I have contact multiple times regarding the same matter. As well as XXXX XXXX  XXXX letter XX/XX/2023 and then on 2nd letter XXXX/XXXXXXXX with police report and FCT. They have not took the step to close the unauthorized account do to me being a victim of identity theft. 
XXXX XXXXXXXX XXXX XXXX 1st letter XX/XX/2023, XX/XX/2023 response to not been able to find my account do to the information provided from me to them was not available. I also provided drivers license, social security, police report, and FTC report. 
XXXXXXXX XXXX XXXX 1st letter XX/XX/2023 and XX/XX/2023 with police report, FTC, and driver license. 
XXXX XXXX 1st letter XX/XX/2023 and filed a dispute through 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 2022-11-11
Company: EQUIFAX, INC.
State: LA
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: RI
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:
Experian has a record on my credit report of a debt, now paid but paid late and having gone into collection, for XXXX in 2017. I never had XXXX, my info was stolen from Experian 's own data leak I am guessing, so they simply " updated ' account because the hack/fraudster paid the bill. I did not. Still on my report. Experian will not remove 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
Consumer complaint received 2023-01-05
Company: ENCORE CAPITAL GROUP INC.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland is in violation of the UCC 9-210 by failing to provide an authenticated record of accounting, which I requested on XXXX XXXX. Midland is also in violation of 15 U.S.C. 1681 for willfully furnishing inaccurate/unverifiable information to a consumer reporting agency, after being notified of the error. I am currently owed {$1500.00} for both violations. My only other option is to sue for damages if the account is not removed immediately. This is my final warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
There was a bankruptcy filed in XX/XX/2018 it was voluntarily dismissed without the court paying anything within 60 days it was a mistake and its active on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Source Receivables Management LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I reached out to a company named XXXX. XXXX, I request validation for the collection account reported to my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I contacted XXXX. XXXX to provide me with any business contracts we may have together. I have attached the fraudulent document that they forged non existing addresses that does not belong to me. And I see why, Moving forward today XX/XX/XXXX on my credit report and theres this new company by the name of SOURCE RECEIVABLES MANAGEMENT, that has now bought the fraudulent account and is reporting to my credit report. In Violation of 15 CODE 1692, 15 US CODE 1692 ( d ), 15 US CODE 1666, 15 US CODE 1681 SECTION 604. These agencies are taking turns helping to damage my reputation, I am in distress knowing that Ive tried numerous times to communicate with these agencies and Ive not gotten the help I need. I do not know this company. I have never done business with this company. In accordance with the fair credit reporting act : SOURCE RECEIVABLES MANAGEMENT, has violated my rights.

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

Violation of 15 U.S. Code 1692j, Re : 15 US Code 6801 : States that It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I deposited money at a Chase ATM at the address at the bottom. I put in exactly {$4500.00}, using $ XXXX and XXXX $ XXXX. I immediately called Chase to report it. After hanging up on me twice, they agreed to open up an inquiry and temporarily provide me with credit for the amount. Today, XX/XX/XXXX, they sent me a statement saying that their investigation is only giving me credit for {$2800.00} of the {$4500.00} I reported. I once again immediately called Chase, who hung up on me again, before telling me there was nothing they could do, and providing no rationale or evidence for their claim that I had not deposited {$4500.00}. I offered to provide witnesses to the amount that was deposited. They wouldn't accept it. I asked for the security footage that the investigation team must have reviewed, they declined to provide it. I asked to reopen the case, and they once again declined. I am not sure what to do at this point. I put in {$4500.00}. I have witnesses, including the person who handed me that {$4500.00}, but Chase is not willing to listen. I don't know what kind of investigation they did if they won't even talk to me -- the victim of their ATM 's failure. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Through Equifax 's negligence, I have reason to believe credit report data on myself was obtained by unauthorized entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TrueAccord Corp.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, received several emails from a collection agency trying to collect a debt of over {$14000.00} owed to original creditor XXXX of South Dakota. The debt collector is TrueAccord Corp. and account XXXX. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I paid PHH mortgage for an Appraisal in the hopes of refinancing my home with PHH Mortgage. The amount paid was {$770.00}. The appraisal took place and was conducted XXXX week later at my home. I received the formal appraisal report in an email around XXXX. Since that time I determined I would like to use a different Lender ( not PHH Mortgage ) to provide my home refinance. I have gone through all the underwriting approvals with the Lender I am going with ( XXXX XXXX XXXX ). The only thing holding up approval on my refinance loan is the Appraisal. I provided PHH mortgage a copy of a simple 1 page Transfer or Release of Appraisal form to Switch the appraisal to my desired lender. After many weeks of no replies, being put on lengthy phone call holds and getting the run around from PHH Mortgage, I was told from them today that they would not transfer the Appraisal? I am not sure what to do here as I personally paid for the Appraisal and the desired Lender ( XXXX XXXX ) has all the needed documents to close my loan other than the appraisal report. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 rediscovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDXXXX XXXX Balance {$24000.00} DEPT OF ED/XXXX  XXXX  Balance : {$24000.00}

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 2021-11-30
Company: CrossCountry Mortgage LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX and XXXX XXXX of cross country mortgage have delayed my closing by months because of forms not being submitted properly, not locking my interest rate when I was told it was locked and numerous other factors. I have plenty of text messages of lies and promises from XXXX and XXXX. I have had numerous disclosures that I signed and every time I get a new one my mortgage payment is higher. I have text messages from XXXX stating my mortgage payment will be at XXXX and my final disclosure is XXXX. XXXX and XXXX keep apologizing and keep telling me what I want to hear but I cant trust one thing they say. I was told I will be closing late XXXX by XXXX in late XXXX. I was told by XXXX we were days from closing in XXXX. Most recently XXXX told my wife a form was sent to the state last XXXX  just to shut her up but we found out from the processor that was a lie and it was sent on XXXX. It is now XX/XX/XXXX and we are still not ready to close. These XXXX are not fit for this job. This is the biggest purchase of my life and I cant trust a word these guys say that is not how businesses should be done. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Experian Information Solutions Inc.
State: TX
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 am a victim of identity theft. Since XX/XX/2015 two cards were opened at XXXX. A XXXX XXXX, and a XXXX XXXX XXXX. To add to this, a Total Checking account and Savings accounts were also opened Fraudulently. I have learned recently that these accounts were closed. A few months ago I attempted to open a checking account at XXXX XXXX. Only to learn that my Online Access had been flagged for Fraud, which I changed my password. I was then told I cant open an account as past accounts were closed. I was shocked to learn these accounts were opened in my name as I never opened any of these. My email addresses were also hacked. Which I have also corrected now. When contacting chase about this matter they refuse to assist me. As a victim of identity theft this is a crisis. I want it resolved.

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