BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-19
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 have disputed this information several times. XXXX XXXX XXXX issued a charge off on an account that I never used. It was a secured card. I was arrested for an unrelated event and the card must have been mailed and used and I was incarcerated. After a number of years passed and I discovered it was on my credit report and I began piecing together the information. 
XXXX XXXX are an awful institution and have admitted that every bit of the bill is all fees. This card was never used by me and I have no idea who did use the card. 
During the past 2 years I have battled this problem. 
The bureau says it was charged off but that it is reflecting late payments presently.

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 2020-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8400.00}, {$31000.00}, {$13000.00}, {$7300.00}, {$28000.00}, {$180.00}, {$170.00}, {$700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

7. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.

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 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
on XX/XX/20 I sent Transunion a 609 letter to verify some accounts and hard inquiries on my credit report. 

After 30 days and no reply I sent a demand or comply letter to remove the items. on XX/XX/20 Transunion is still reporting these accounts on my credit report. even after 30 days and no verification or reply.

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 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In XX/XX/XXXX, my husband and I, applied for a mortgage through XXXX XXXX in XXXX OH ( offices in XXXX and other towns too ), but on our report it shows XXXX XXXX. 

That isn't the issue. 

The issue is that in XX/XX/XXXX, our credit was ran again without our consent. 

The companies ' headquarters in XXXX has the XXXX, OH office delete all of our information, but this unapproved inquiry is still showing. The person in XXXX, OH that ran our credit was XXXX XXXX, and again, this was NOT authorized. 

This man became hostile, rude, and belligerent toward our XXXX XXXX when we ask about this ; and that is when we contacted the main office and asked for him to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: FinCo Services Inc DBA Current
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Has no way to close accounts. Makes it very difficult to close- have to go thru customer service which one they know its an account closure, wont respond. Finally got thru and they refuse to refund the prorated account fees that I paid in advance. This is a disgrace, they are stealing from kids and low income people

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8400.00}, {$31000.00}, {$13000.00}, {$7300.00}, {$28000.00}, {$180.00}, {$170.00}, {$700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

7. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$700.00} -This is not my account.

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 2020-07-19
Company: Midwest Recovery Systems
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: Old information reappears or never goes away

Complaint:
This account was a fraudulent account opened without my permission or correct signature. My identity was stolen and the person used that information to open an account with XXXX  XXXX XXXX. Midwest Recovery Systems has placed this in my credit report several times even though the original debt is over 7 years old and it was disputed and removed from my credit report over 2 years ago! Please investigate Midwest Recovery Systems for their debt collection practices and harassment! I want this deleted from my credit report immediately and a notice mailed to me stating in writing that it has been resolved and removed permanently!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/XXXX XXXX XXXX with XXXX XXXX XXXX called a family member of mine looking for me. They told her I owed a debt ( {$580.00} ) from an old bank account ( XXXX ) that had been closed in XX/XX/XXXX. They told her they were trying to find me to subpoena me to show up in court and sue me for the money. They also told her if I did not contact them that I would be arrested. I called Wells Fargo first and told them this. They told me I did not owe them any money. Wells Fargo fought XXXX several years ago. I then called the number that called my family member. They told me the same things they told her. I told them I know it is a scam and I will not be paying 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 2023-05-22
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
PSLF form was submitted on XX/XX/XXXX. In XX/XX/XXXX I called to determine the status. I was told that it was denied due to there not being a signature for XXXX XXXX XXXX. I stated that I was told before submitting my form there is no one who signs such forms for XXXX XXXX and that all former and current employees have to use the work number to verify employment. That information was included with my form on XX/XX/XXXX. The supervisor I spoke to in XXXX confirmed that the information was indeed included and resubmitted the form. I was told to give it 90 days. On XXXX XXXX I was told that everything had been processed and my loan forgiveness was just days away from completion. I was told everything would be finalized by XX/XX/XXXX. 

On or around XX/XX/XXXX, I called again and was told that the transfer process from XXXX had not yet begun. Now today, XX/XX/XXXX, I being told that the employment for XXXX XXXX XXXX was denied because of a lack of a signature. Again that was supposedly resolved in XX/XX/XXXX. 

Its extremely frustrating to get a different response every time I call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is reporting late payments on 9 accounts stating I was 90 days past due as of XX/XX/2016 when in fact I wasn't. They advised me that these late payments would be removed and it is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was contacted by an independent CPA that the Aurora mortgage company that serviced my loan had written off the mortgage with the IRS as part of a chapter XXXX bankruptcy. She stated that the deed for the property would be sent to me from Nation Star Mortgage as they were servicing the loans. When I contacted Nation Star as to the what the situation was with the deed, they told me the paperwork had been straightened out. The independent CPA that handled the Aurora Bankruptcy said Nation Star was illegally collecting on the properties. I have had several problems with the interest rates not being updated on my loan in addition to an employee of Mr. Cooper ( formerly Nation Star ) telling me they could not service the loan as others due to the fact that they did not have any documents for the property. Additionally, the Company XXXX XXXX XXXX wrote the loan documents and stated that the load had to be reviewed if sold more than three times. This loan had been serviced by XXXX XXXX, XXXX, Aurora, Nationstar and Mr. Cooper. What should I do? Do I need to get the Chapter XXXX information from the IRS for the Aurora Bankruptcy or hire an attorney to check the excessive loan sales that breached the original contract?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account ( I.C. SYSTEM, INC ) XXXX XXXX XXXX XXXX XXXX, MN XXXX account # XXXX was placed on my credit report XX/XX/2023 with a negative balance of {$14000.00}. I do not recognize the account nor do I recognize the account number. I would like this account removed form my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - Mortgage company ( Shellpoint ) refigured my Escrow Accrual XX/XX/XXXX - Shellpoint sent a letter stating that I would be getting a $ XXXX check for overpaying but that my XXXX analysis showed a shortfall so they would be changing my monthly escrow payment from XXXX to XXXX, which immediately seemed incorrect ** Completed my own analysis and discovered they were mistakenly showing my annual hazard insurance as a monthly charge, therefore over charging me** XX/XX/XXXX - I called Shellpoint, they said it was due to my taxes and it was correct, walked them through the analysis and they agreed it was ultimately it was incorrect and I was told they would ask for the escrow analysis to be redone but that I should submit an email to XXXX also, I submitted that email XX/XX/XXXX detailing the issue and asking for a corrective action XX/XX/XXXX - Shellpoint took another payment at the incorrect amount XX/XX/XXXX - Called and spoke to another representative who also agreed it was incorrect, he said it wasn't elevated as an issue in the system but that he would elevate it XX/XX/XXXX - Checked my online file they still have not rerun the mortgage analysis, to date they owe me {$5400.00} in over accrued escrow funds and appear to be making no effort to resolve the issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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:
The attached account on my report has been removed from my XXXX consumer report. Per the 15 USC 1681, all three consumer reports must be reported accurately and uniformly. Please see the attached screenshot of my report for evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage for our Virginia home was obtained in the summer of XXXX with Wells Fargo. At that time, a contingency requirement of obtaining the mortgage was adding a home warrantee with XXXX XXXX XXXX. Years later we heard in the news about this unfair ( and illegal ) practice and that Wells Fargo was supposed to drop this requirement and compensate affected customers. After doing some research we learned Wells Fargo officially " discontinued '' this practice in XXXX. In XXXX and in XXXX, we called Wells Fargo to inquire about dropping the home warrantee and were told it was " not possible. '' We were also informed there would be a " penalty '' ( nonspecific ) if we were to allow the home warrantee coverage to lapse. We don't want to refinance the mortgage and spend XXXX  in more fees with another company in order to cease paying the annual home warrantee fee. Initially the home warrantee fee was {$600.00} per year but it has increased over time to {$750.00} per year. We've paid the fee each year to XXXX XXXX XXXX, in total around {$9200.00}.

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 explanation
Consumer complaint received 2019-07-08
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This pertains to a Discover credit card which I have had since XX/XX/XXXX. Today, XX/XX/XXXX at about XXXX XXXX   eastern time, I tried to my add discover credit card to a recurring bill on auto-pay to maintain activity on the card. I had previously used my cad regularly but this year I wanted to curtail credit card usage so I maintained a single card with a larger limit. When I tried to use my discover card today, it came back as an attempted fraud. I immediately called the toll free number on the card and was told that the credit card had been closed permanently. I spoke to a supervisor, explaining my mother 's illness and passing had absorbed my attention. Also the bank of mailboxes at my apartment had been vandalized and was being replaced around the timeline they sent me a letter. They said they had sent me a letter in the first week in XX/XX/XXXX. I didn't receive it and only just learned about it during our conversation. The supervisor explained that they could not reactivate my card as it was permanently closed. I saw congressional hearings regarding XXXX XXXX that was able to open accounts without customers knowing. I have watched Rep XXXX XXXX take big companies to task for not protecting their customers. I feel Discover is not protecting their customers if it takes only one missed letter to give them the legal cover to close my account that has real consequences for me. I participated in the application, the activation, the use, the payment of balances incurred. Why then can the company close my account without my participation. This affects my credit score in terms of the length of time averaged and my debt ratio. 
I started with a limit of {$500.00} and used it regularly to built up my credit limit. I feel that discover should not benefit from doing the bare minimum, not even sending me a second letter, an email, text or call. Also, their first contact was in XXXX and they did very little to maintain my business. I understand that a {$2000.00} may be nothing to their algorithm driven business model but this is certainly is a fissure in their business model that translates to a disregard for the average customer who is trying to build a credit history that will reduce the cost of borrowing money for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 called the credit reporting agencies and let them know that the account in the document included below are not supposed to be reporting a late payment. I never gave them written consent to report them. 

According to U.S. Code 1028A- Aggravated identity theft Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

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 2020-12-22
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Control has reported a collection account to my consumer credit file. I do not owe this alleged debt. If Credit Control has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt to be collected by Credit Control. Credit Control has no legal right to attempt to collect a debt as there is no balance owed to XXXX XXXX XXXX. Further, Credit Control never validated this debt nor sent me a notice of collection. I have learned that Credit Control is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removed from the credit bureaus immediately as this should not have ever been reported nor attempted to be collected on.

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