BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
To Whom It May Concern, For some reason I am not appearing on any of the credit companies. I have been an authorized user on a few of my cousins accounts. I been using those cards building credit. But it never seems to show when I look up my credit score. 

I am hoping that they look deeply into this and see I have been making payments and doing what I need to do to build credit. 

I go back and fourth between my cousin 's house and mine and get mail at both but for some reason nothing shows. Was just on my credit karma account today. This has been going on a few months now.

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 2018-12-19
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a modification on or about XXXX I have tried for years. My husband and I are senior citizens and he is a XXXX veteran. They denied the modification on XXXX XXXX on XX/XX/XXXX I talked with my relationship manager ( if you call into this company you get XXXX they tell you one thing escalated cases tell you another thing no one knows what the other is doing and you can never talk with your relationship manager without an appointment ) he said I could do a short sale. I immediately hired a realtor she did an open house we received two offers and I choose the highest and best the people had a lot of monies in bank and went over asking. They keep denying the short sale and will not put the foreclosure on hold. I keep appealing and they ask for documents over and over and over again this have caused undue stress on myself and my husband so much so that I was put on medication. They would rather foreclosure and take less then the offer. This tells me and I question the right to enforce the note in California they need to prove they have the right to enforce the note they or the trustee will not. Ocwen is the worst company they say they help homeowners they are not. This is our second home I am trying to work with them they refuse the realtor has people waiting to close they would rather foreclose with a credit bid so I am questioning there standing. Please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgage payment increased and I could not afford the new payment so I fell behind. 
Then when I tried to workout a new payment the mortgage was sold and I worked with several different companies starting with XXXX XXXX and then XXXX XXXX and SPS. I sent every paper that they requested but they never followed thru with a new mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My Credit Information has been merged with my twin brothers information. 
When I attempt to " report a dispute '' on XXXX, Equifax, and XXXX, I am unable to report because I can not properly confirm my identity and my request to be allowed a dispute is denied. 

The reason I can not properly identify myself is because the 3 companies have merged my twin brothers information with mine. We are two different people sharing the same birthdate. They merged his social security number as mine. They merged his name to be mine. They merged his employers, his credit cards, his car loans, etc. 

When I call them to correct the issue, I can not answer their identity questions because their questions are regarding my brothers credit history, not mine. 

There should be one place to correct misinformation in this system. Why do I have to goto all the reporting credit agencies and fix the problem. Whomever is merging this data needs to correct the problem and send me a credit report with it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018, I sent a letter to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX requesting validation of debt, of which none of the aforementioned companies have complied with my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX, Equifax, and XXXX is continuing to list inaccurate information on my credit report. Ive sent numerous letters asking for these accounts to be removed as it is illegal to furnish inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Experian Information Solutions Inc.
State: LA
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:
On my experian credit report there are some inquiries that I did not authorize and that I would like removed and are as follows : 1.XXXX XXXXk / XXXX XXXX 2. XXXX XXXX/ XXXX XXXX 3. XXXX XXXX/ XXXX 4. XXXX XXXX/ XXXX 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 explanation
Consumer complaint received 2018-09-25
Company: WELLS FARGO & COMPANY
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1.Wells Fargo Mortgage ( " the Bank '' ) has held mortgage XXXX on my home since XX/XX/XXXX. 

2. I have made transfers from another Wells Fargo account to pay this mortgage since that time.

3. At no time have I been in arrears with the payment.

4. Unlike transfers to other accounts, to other persons or businesses, Wells Fargo 's online transfer system will not allow customers to amend or alter the transfer information for mortgage payments, so consumers must rely on the Bank to make any necessary changes.

5. In early XX/XX/XXXX, the escrow for insurance payments on this loan was removed since I make the insurance payment myself. ( See escrow cancellation letter from Wells Fargo attached. ) 6. Removing the insurance payments from escrow resulting in a reduction of monthly mortgage payment from {$1500.00}, payable in two installments on the XXXX and XXXX of the month in the amount of {$770.00} each, to a monthly payment of {$1300.00}, payable in two installments on the XXXX and XXXX of the month in the amount of {$690.00} each. 

7. On or about the XX/XX/XXXX I called the Bank to have the monthly payments changed to reflect the reduction in monthly payments and was assured this was accomplished. 

8. Subsequent checks to my online account showed the reduction in the required transfer amount had in fact, NOT been made. 

9. I spoke to the bank on four separate occasions, spoke to two supervisors, and was assured the issue was resolved each time. One of the Bank 's representatives said the matter would be resolved by XX/XX/XXXX and that an email would be sent to me confirming the resolution. ( See email from Wells Fargo dated XX/XX/XXXX attached ) 10. Despite the Bank 's representations to the contrary, as of XX/XX/XXXX, the reduced payment amount for monthly transfer has not been set up by the Bank. ( See screen shot attached, taken XX/XX/XXXX ) 11.  Given the Bank 's history of illegal practices, and the false representations I have received from multiple representatives about this issue, I have no reason to believe anything they say. 

12. I would like written confirmation that the reduced transfer payments of {$690.00}, payable on the XXXX and XXXX of the month have been set up by the Bank. 

13. The amount at issue in my case is not great, but given the Bank 's past practices, if this were done to millions of consumers, it would illegally enrich the Bank by a pretty penny.

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 2021-08-06
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XX/XX/2021, I applied for a mortgage with Amerisave and XXXX to refinance my current mortgage loan. I provided all my income info to both lenders. I decided to go with XXXX instead of Amerisave because they could not match the rate and fees. A month later, the loan officer, XXXX XXXX XXXX XXXXXXXX from Amerisave emailed me again asking if I was still working on refinancing my home loan because rates were lower. I replied saying yes I was interested and the rates she gave me was still higher. A few days later she called me again saying she spoke to her VP and was able to get me a {$2500.00} credit towards closing cost. I said ok lets proceed and she told me to pay the {$500.00} application fee ( eventhough ) I already submitted an application ) before we can go any further and the application fee will be credited back at closing. I made the payment because the loan officer made it seem like there is no issue since she got the VP to give me {$2500.00} credit. 3 days after I make the payment XXXX calls me saying my income was too low and did not qualify. We went thru the income info again with the amt of my OT and bonus which was the same info I gave her back in XXXX when I first applied and she said it looked good and will submit again to underwriting. she calls me 2 days later to say I still dont qualify because they can not consider OT and bonus in my income. I was pretty upset because she had all this info at the very beginning so she would have known if I qualified or not and why would she not know they can not include OT and bonus pay in income calculation. I told her fine, please refund my {$500.00} fee I paid. XXXX 's response was she will submit a request for the refund but there is no guarantee I will get it back. it has been 3 months and I did not hear from her again nor got my refund. A few weeks ago got an email and a letter from XXXX and Amerisave saying I am pre-qualifed for a home loan. I felt both the loan officer mislead me into thinking I was already qualified and had me pay the {$500.00} application fee then a few days later tell me I'm not qualified. No other lender charges an application upfront and they will tell you if you qualified or not. I felt Amerisave 's actions are very deceptive especially during this time when money is very tight for many families. Hopefully you can help me resolve this issue and get my refund back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-07
Company: CITIBANK, N.A.
State: NC
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:
I entered into an agreement with Sears Home Improvement for siding to be installed on XX/XX/2019. I cancelled the contract within the limit allowed by my state. I was approved by a finance company, approved through Sears Home Improvement for the loan, to have siding installed, which I also cancelled. An inquiry appear in my credit report for a Sears Home Improvement credit card on XX/XX/2019. I did not apply for the card nor gave permission to apply for the card on my behalf. This was done without my knowledge. I signed a document, that I can no longer access, that only gave Sears Home Improvement permission to gain financing which was approved when application was submitted. The credit card had no baring on financing for the siding. I contacted the credit card issuer and told them that I wish to cancel the card and this was fraud. I have since destroyed the card. The issuer have not cancelled the card and is not reflected in my consumer credits reports. I reported this to all three credit reporting agencies and no fraud alert has been set and they have found that the inquiry and credit card were reported accurately. During the meeting with the salesman, there was no mention of a credit card. Due to a death, there was a delay calling the issuer. This should have no effect on my request to cancel the card.

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 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ive sent a report stating that 6 inquiries does not belongs to me ive also sent a removal letters and also an FTC report still nothing wasn't done

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 2019-03-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted this company on XX/XX/XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims.

Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. 

Below are the fraudulent accounts that I need to be removed : 1. XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Balance {$7100.00} 2. XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1400.00} XXXX. XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$170.00} I am attaching all the documents I sent to them earlier for your reference

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 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a XXXX account and paid it In full and was told everything was at XXXX and I switched to XXXX. Then around sometime last year XXXX  XXXX  placed a collections on my report. They then removed it, and gave it to a different company XXXX XXXX. This is damaging my credit immensely and I need this information removed by Transunion as soon as possible.

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 2017-11-20
Company: EQUIFAX, INC.
State: LA
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:
To whom it may concern, On a few different occasions I have called Equifax and had been given the same treatment as far as having my hard inquiries disputed, with the same results that they found my inquiries to be factual. When I first received my reports, I saw XXXX hard inquiries that I do not recall authorizing and that On XX/XX/XXXX I sent a multiple inquiry letter via certified facsimile. Equifax received that letter XX/XX/XXXX and responded on XX/XX/XXXX. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 9 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. Also the FCRA states that the only permissible purpose for pulling someones credit is for : Firm Offer of Credit, Insurance, Employment, Court Order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Block, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I needed a new card from cash app. I was having issues getting one ordered on the app. I reached out to the support team. I was told to upload personal info to verify my address. I did this 3 times before I got contacted back with a case number XXXX. Its been two months no card no contact. I contact them again they are asking for my personal info again. Its too risky to keep sending that. Then I was told they are looking into it. Still no card. Still asking to verify my info. They have my personal info where I can be located its a scam just to take my identity. I have screenshots of the convo

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had unauthorized charges on my account that kept recurring after I called to see what was happening. XXXX account was compromised and all the charges were eventually returned but Bank of America still refused to reverse the overdraft fees that have amounted to over {$480.00}. I have tried over and over again to get them to do their Credit/Debits to balance it out and show them that I never overdrafted.

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 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hard credit check was pulled by XXXX on XX/XX/2018 in my name. I contacted XXXX and no account was opened under my name however I would like the hard check to be removed from my credit report under Trans Union.

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 2018-06-07
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hi I have been searching for how to make a complaint on a branch with Citibank and this is all i could find.Citibank has no complaint line nor does its customer service take complaints and I called after our visit. I took my mother today to our local branch at XXXX and XXXX in XXXX XXXX XXXX and had the worst assistance which led to us leaving to go to another location and the branch manager telling us to leave his business and never come back. We have came here for my father 's account that is closed now because he passed away and my uncles that is in XXXX XXXX right now. He has had some issues with using his card in XXXX so my mother is his POA and withdraws money to send it XXXX XXXX for him. They were not as helpful as they could have been and the branch manager kept talking back to me as I was with my almost XXXX year old mother and baby of XXXX yrs. We have done over 4 transactions with this banking location for the same exact thing before and for more money. I have dealt with many bank institutions and never received this type of service anywhere. I hope to hear from you soon concerning this matter. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  are reporting incorrectly that I am 90-120 days past due on XXXX  XXXX - partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation