BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: HANCOCK WHITNEY BANK
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Several email communications have taken place along with phone conversations about the incorrect reporting of 2 debts with Whitney ( XXXX XXXX ). The bank has stated in XX/XX/XXXX again in early XX/XX/XXXX to have the error in reporting corrected. Their incorrect reporting has caused denial in  employment. I was assured the errors would be corrected asap. The incorrect reporting is still in place. The reporting is sporadic and should be reported correctly. 

The below information was supplied to XXXX XXXX several times. 

" Whitney sent a XXXX  in XXXX for all of these items which were discharged. I have disputed the reporting of these items for some time now and none have been corrected. Currently WhitneyXXXX XXXX is in violation of Federal and State of  Louisiana Bankruptcy laws. In Louisiana a non filing spouse of a bankruptcy is awarded the benefit of the discharge.
Federal bankruptcy law 11 U.S.C 524 ( a ) ( 3 ). All of these accounts have been discharged as you can see by the attached. I have attached a copy of a letter which was provided to another creditor who is also reporting incorrectly for your reference '' Debts were discharged in Bankruptcy chapter XXXX XX/XX/XXXX. All documents have been supplied to the creditor on several occasions. Discharge documents can be supplied again if needed. 

Copies of bureaus incorrect reporting is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has sent my information to a collection agency called National Credit Systems , Inc . Since XX/XX/XXXX I have been receiving calls and letters from NCS requesting payment for something I never agreed to pay. I signed a lease with XXXX XX/XX/XXXX that ended on XX/XX/XXXX. 

As stated in the lease, the contract only automatically renewed on a month-to-month basis if neither if either party failed to give 60 days notice. I gave my 60-day notice on XX/XX/XXXX ( move out date of XX/XX/XXXX ) and did not enter another agreement with XXXX XXXX. There was no new lease signed, I did not agree to any of the charges they tried to bill me for. 

When I received my first letter from NCS I informed them, through certified mail on XX/XX/XXXX, that I had no knowledge of the charges. I asked if they could validate them and provide a detailed explanation. I have receipts from that letter that my letter was received on XX/XX/XXXX. National Credit Systems ignored my requests and continued to ask for a payment in a letter dated XX/XX/XXXX. 

On XX/XX/XXXX I sent NCS another letter explaining to them that I think my right had been violated by failing to validate a debt at my request and continuing to attempt to collect a disputed debt, both FDCPA violations. I asked them, again, to validate this debt. I specifically asked for them to provide me with the following : 1. Proof of right to own/collect this alleged debt 2. Balance claimed including all fees, interest and penalties 3. Contract bearing my personal signature 3. License proof to collect debts in my state To date they have yet to comply with my requests for validation. The lease they insist on providing me with expired with no new agreement on XX/XX/XXXX. XX/XX/XXXX, I fulfilled my final payment to XXXX XXXX and had a XXXX balance. XX/XX/XXXX, I received extra fees and charges ( I also disputed and was told by NCS I should've done a walk through - XXXX was NOT doing walk throughs at the time due to covid ) I never agreed to and along with threats to my credit report. 

I am distressed that National Credit Systems has now included this information in my credit profile and they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the information they report. At this point I feel this company and any claims for amounts owed is untrue and not properly investigated. Im very bothered by the months of total disregard of my rights by National Credit Systems and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was transferred from XXXX XXXX XXXX dba XXXX XXXX, with a large escrow shortage. We have held this loan for 2 years and 3 months of escrows were collected at closing and no changes to tax or insurance since this time. We never had a problem with the escrows until it was transferred to Mr. Cooper loan servicing. I have already got all documentation from Mr. Cooper showing that they received the loan with a large escrow shortage. I have talked on the phone with XXXX XXXX on XX/XX/2019, and on this same date faxed over a request for an investigation into the shortage. XXXX XXXX sent a letter dated the same day saying they will look into it. As of XX/XX/XXXX nothing had been done about the inquiry So I sent another fax on XX/XX/XXXX. I sent the letter they sent to us dated XX/XX/XXXX asking what has been done to solve this investigation, only to receive another letter XX/XX/XXXX that they would look into it. It has been over two months since we made our inital inquiry with no resolution. I am aware of 12 US code 2605 e-2 regarding the 30 days to receive a response and XX/XX/XXXX was well beyond the 30 days not counting weekends and holidays. We need this solved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX and I made signed legal agreements that the account was to be paid off and ended over 90 days ago. Instead they lied to Transunion and reported that I was 90 days delinquent as of today. Credit dispute produced no results. I have signed legal agreements!

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 2019-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion displays innacurrate employer ( XXXX XXXX ) on credit report again after saying they fixed 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 2021-03-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received this letter It doesnt tell me if the sale date of XXXX / XXXX / 2021 Been cancelled or not The letter is shady confusing And since SLS pulled every stunt in the book on me I cant trust SLS not telling straight out loud that the sale date stoped They send this letter not stopping the foreclosure so days before the sale date tell me I am not qualify so they could continue with the foreclosure

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 2017-11-14
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I notified the credit reporting agency that I was a victim of Identity theft and that the account listed on my credit report under public records for a dismissed bankruptcy was inaccurate and incorrect. I sent the credit reporting agency letters from both my tax collector office and the Bankruptcy court the creditor is stating validated this information as proof that this public record was incorrect, inaccurate and should not be on my credit file and the credit reporting agency has refused to furnish information on how they are validating this debt and remove this inaccurate and incorrect information from my credit report. I am now in emotional distress and losing job opportunities due to this inaccurate and incorrect information on my credit report. I did not file a bankruptcy and it does not belong to me.

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 2017-11-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/X/2017 I traded my car in that had an existing loan with Wells Fargo Dealer Services. I was never late with that loan, paid extra every single month and directed all over payments to be put into principal ... ..that was never done. I have a fico score of XXXX when I applied again thru Wells Fargo Dealer services for a new loan on a XXXX XXXX XXXX. Wells Fargo, knowing my excellent history with them denied my loan on application no XXXX ... .the dealer submitted my application and was just as astonished as I was to be denied. Further, I have a fraud alert on my account, Wells Fargo never phoned me to inquire about the alert. The denial is based on pure prejudices. I have no late payments at all for over 6 years. They said they denied ( without observing the fraud alert ) on : 1. Age of past or present credit experience ( did not bother them previously ). 2. Excessive number of trades recently opened ( what does excessive mean? more than one? ). 3. Lack of trades reported recently (??? ). 4. Insufficient revolving credit limits. All of this is so wrong, but mostly, my history with Wells Fargo shows my loan and payments were not handled properly by Wells Fargo. They were not applying over payments to principal, they just would keep reducing the amounts of my future payments. Mostly, denying my loan when XXXX approved me, XXXX XXXX ( which I have the loan with ) approved me, and 2 others approved me. Wells Fargo has a terrible reputation, but something is seriously wrong with their judgement.

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 2019-08-02
Company: I.C. System, Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I C System Inc. formally XXXX XXXX XXXX XXXX XXXX states that I owe them XXXX. I do not owe them any money at all. I told them to cancel XXXX XXXX and the account and they did cancel it and they still charged me XXXX which they say that I owed them which I never did.I told them I did not owe them any money and they said I did. I do not owe them any money and will not pay them. They constantly were going against their word and constantly charging me money I did not owe them. I cancelled the account and they continue to report on my credit history. I do not owe them anything. Take this illegal reporting of my credit off my credit report. It is being reported twice by I C System INC and XXXX 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 2019-11-04
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, Loan Care cashed my mortgage payment check. This was posted to my bank account on XX/XX/2019. 
On XX/XX/2019, Loan cashed my mortgage payment check. This was posted to my bank account on XX/XX/2019. 

Loan Care lied that they had not received any payments for 2 months so they charged me late fees and reported 2 months delinquency no payments to credit bureaus. 
On XX/XX/2019, I sent Loan Care a letter to let them know that 2 payment checks had been processed by Loan Care. Those 2 payments were still within the grace period ( which was between the XXXX to the XXXX of each month ). I requested that Loan Care credit all the late fees and correct the negative reports that they already reported to those two credit bureaus or else I would like to hear from loan care within 30 days before I file a compliant against Loan Care. However, I have not heard any responses from Loan Care. 

I truly need your help to investigate this matter because Loan care did not honor their 15 days grace period, lied, and charged late fees to borrower. As a result, this negatively impacted my credit score. Thank you in advance for your time  and attention.

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 2017-07-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The information concerns the status of my husbands XXXX student loan on which I was a co-signer in XX/XX/XXXX. The loan number appears on my credit report as follows : XXXX The original amount is {$2400.00}. <P/>My husband and I submitted the attached letter in XX/XX/XXXX and the loan information on my husbands credit report was corrected but mine is still inaccurate. The loan is still listed as a negative item on my Experian credit report. On XXXX and XXXX it is showing correctly and not affecting me negatively The following comments appear in the status and comment sections related to the loan : Paid in settlement ; Account paid in full for less than full balance. It is also showing a late payment in XX/XX/XXXX. We have never been late on a payment. <P/>As you will see by the attached letters, I have disputed with both XXXX and Experian but Experian will not correct the problem. My husband disputed it and they removed it from his Experian report. Since I am just the cosigner it should be corrected on mine also. I have disputed with Experian 3 times and they will not adjust it even though it is showing correctly on my husbands report and the other 2 reporting agencies.

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 2018-08-29
Company: SYNCHRONY FINANCIAL
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 shows a balance on account that has none. The account number is : 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 2017-11-14
Company: EQUIFAX, INC.
State: GA
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 received an alert on XXXX XXXX, 2017 from Equifax and XXXX ( I have multiple monitoring services because my identity has already been stolen ) that an inquiry was made for my credit through a company called XXXX XXXX. I called XXXX XXXX who told me I had to go through Equifax to get the name of the company who actually requested the data since they are a service provider for home and apartment rentals and do not make requests directly. I called Equifax who told me I had to go to XXXX XXXX to get the information. When I told them that I was directed to Equifax by XXXX XXXX I was basically told tough luck. 

As background I have a credit freeze on with Equifax. I do not understand how they can continue to operate with the issues they have created. Plesee help me get the information so I can insure that my credit is nt being damaged further. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I signed up for 0 % for 12 months with XXXX XXXX with the account issued by Wells Fargo National Bank. On X/XX/17 I sent a balance transfer from my credit card to Wells Fargo and the balance transfer was rejected. I called my credit card and they told me the balance transfer was returned back to them as Wells said the account information did not match the owner. Since this occurred, Wells charged my account 900 roughly in interest. I want this rolled back and the overnight address provided so I can get this off the 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 2019-11-04
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont remember rhe dates.but this was maybe XXXX or XXXXi moved out of my apartment. I called this company and explaine i was moving and when.i requested the electric be turned off and it was not done.some one else moved in and used the service and when they realized that then it was shut off. i tried to get thia resolved and was told they would look into it and nevwr did.then next thing i knew it was on my credit

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 2019-11-04
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:
incorrect info on report. id theft victim. 
chapter XXXX bankruptcy court XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
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 received an email from XXXX XXXX indicating that a hard inquiry had hit my credit report ( Equifax ). It showed as a hard inquiry from XXXX on XX/XX/2018. I do not have XXXX nor did I apply to receive any of their services. I have called Equifax and they said I would need to call XXXX to have them contact Equifax to have the inquiry removed. I called XXXX and they said I would need to call Equifax. I have been bounced around by everyone. My credit score is over 800 and I do not want a fraudulent hard inquiry be reflected on y credit. You help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I paid a man I met on XXXX the total of XXXX USD for two tickets to a XXXX XXXX XXXX concert. I was promised his log in information because tickets are nontransferable. His name on XXXX is XXXX XXXX. I contacted him for one ticket. I made a payment of XXXX through PayPal but due to fees became XXXX USD connected to the email XXXX on XX/XX/2019. He then informed me because he would be giving me his log in information I would have access to all his tickets through XXXX  but because he had two tickets I needed to also buy the second. I was hesitant but he insisted he was not a scammer and told me he would only charge me XXXXUSD this time. A second payment was made on XX/XX/2019 this time of the amount of XXXX USD. XXXXUSD was paid because of PayPal fees. XXXX XXXX sent me the Paypal of XXXX XXXX to send money to. When asked about this he claimed it was the Paypal of his room mate. After doing the first transaction of XXXX USD he told me to use the email XXXX for the second transaction claiming this one as his personal email but I did not do so instead I sent the money to XXXX XXXX XXXX paypal through the email XXXX like I had done the first time. XXXX XXXX kept in contact with me the later that day and said he could not contact his roommate to confirm I had made the payment so he could not give me his log in. I called him through XXXX and texted him many times after this to no avail. I am now blocked on messenger and his account is gone. He had also given me this number XXXX and texted me from this number assuring me he would not scam me. I lost a total of XXXXUSD XXXX was lost to the scammer XXXX while the rest was given to Paypal for fees

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2017, I sent {$220.00} to my friend, XXXX XXXX, who resides in XXXX XXXX, XXXX. The money, Transaction # XXXX, was sent through Western Union at the local, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The funds were sent on a Saturday afternoon. Unfortunately, the next 2 business days ( Monday & Tuesday ) in XXXX were holidays, and the banks were not opened. On the Wednesday, XX/XX/XXXX, Western Union in XXXX, paid the funds to someone claiming to be my friend. XXXX XXXX does not drive nor own a car, and lives about XXXX miles south of XXXX. She did not pick up the funds. Upon learning that the funds had been claimed in XXXX, I contacted Western Union, and filed a complaint, Claim # XXXX. My claim was investigated according to XXXX XXXX, and determined that it had been correctly paid. I asked how that was possible if XXXX XXXX had never been contacted? No reply. So, I believe that inside Western Union in XXXX, someone intercepted the transaction. Western Union does not care if XXXX XXXX actually received the funds. This can not be accepted as right, just, nor business as usual.

Company response to consumer: Closed with explanation