BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE NO acknowledgement OF THIS ACCOUNT CREDENCE RESOURCE management. IT IS REPORTING ON MY CREDIT REPORT. I DEMAND THIS fraudulent ACCOUNT BE REMOVED. ALSO, ADDRESSED I NEVER LIVED 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. All accounts above need to be removed from 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 2020-06-04
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened new checking and savings accounts at Citibank on XX/XX/2020. I tried to transfer all the money from my old Citi accounts to the new ones and close the old ones. I called Citi twice and neither representatives could find my old accounts in their system. They told me to go to a branch, but that was not practical because the nearest branch was over 200 miles away in XXXX. The second representative said I could transfer the money by myself and that Citi would close XXXX  balance accounts automatically. I explicitly asked if there would be negative consequences of leaving accounts with XXXX  balance and the representative said no. So I transferred the money. 
On XX/XX/XXXX, I found an overdraft notice in my mail pile after being away in XXXX. It turned out Citi charged me a monthly service fee on XX/XX/XXXX, and then an overdraft fee on XX/XX/XXXX. I called Citi right away. The first representative told me to wait while he went to ask his supervisor. Then, I was cut off. I called again. The second representative said my accounts hadn't been closed because {$0.00} ( my savings account interest ) was transferred to my checking account on XX/XX/XXXX. Then I was cut off again while waiting for her to close my accounts. I called a third time and told the representative at the beginning that I was cut off twice already. The third representative promised not to hang up and closed my accounts. 
Though my problem was resolved in the end - fees waived and accounts closed, it took me 5 calls and more than an hour on the phone. The whole experience was very unsatisfactory, and it is easy to imagine situations where some clients didn't call or gave up during the process or couldn't get fees waived. 
I don't have complaints against individual representatives even though one give inaccurate information, because I felt they were under pressure from the management to avoid closing accounts. So, I want to urge the management at Citibank to stop doing so ASAP, especially under the current circumstances.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 DONT RECOGNIZE THIS INQUIRY XXXX  XX/XX/2021 I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( I have never paid late ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Hi, my name is XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX  XXXX XXXX Florida XXXX. There are multiple credit bureaus reporting inaccurate information on 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 2018-12-14
Company: Harmon Law Offices, P.C.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Harmon Law PC attorney XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX has published for a second time XXXX XXXX newspaper ILLEGAL foreclosure advertisement see attached ad dated XX/XX/XXXX containing wrongful/false information showing that the FDIC has standing to illegally take my home into this illegal foreclosure, much false information causing PUBLIC Deformation of Character, Slander and Banking Fraud being that it's client XXXX claims to have standing via the FDIC when in fact in addition to the counterfitted and forged documents shown in Federal court Docket # XXXX also showing XXXX XXXX on this account ( XXXX ) see attached. I am being severly abused with this Publically advertised information AUCTION AD for this ILLEGAL foreclosure..I will be seeking damages as well as sanctioning ( BBO ) of this attorney directed by this criminal client XXXX XXXX XXXX XXXX XXXX . see all attachments!! 

PUBLIC DEFORMATION OF CHARACTER AND SLANDER AS WELL AS BANKING FRAUD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: MONEY SOURCE, INC., THE
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our loan was previously serviced by XXXX XXXX XXXX. I was up to date and current with my mortgage. XXXX informed me in XX/XX/2018 that they will be transferring my loan as of XX/XX/18 to TMS ( The Money Source ). However, somehow TMS received my loan information in XX/XX/2018, and I have received delinquency notices saying that I have not paid my mortgage since XXXX. 

Since XXXX we have been in contact with both TMS and XXXX MANY, MANY times trying to get this issue resolved. At one point both companies had the same mortgage listed on our credit reports ( adding up to double the amount of our mortgage ), with XXXX showing as current, and TMS showing incorrectly as delinquent. After XX/XX/18 XXXX updated their information on our credit reports to show as closed and current. TMS is still showing on my credit report incorrectly as delinquent since XXXX. I was assured by TMS that the issue would be resolved by XXXX. It is the beginning of XXXX and still not resolved. TMS is now saying they can not help me because their records show I owe them the money. I have even provided them with our bank statements showing the mortgage payments to XXXX up to XX/XX/2018, along with the letter from XXXX confirming that the mortgage was only to be transferred to TMS as of XX/XX/18. The XXXX number I always called is now disconnected. It seems that the location is XXXX, NJ is no longer open ( I searched for XXXX corporate number and I left a message ( they do not give you the option to speak to a live person ). I have not received a call back. 

Now because of the mix-up between these 2 mortgage companies and through no fault of our own, this is causing us additional financial distress, as we have a leased car which needs to be switched over to a purchase/finance, and they will not approve us due to my credit report incorrectly showing we are 6 months behind on our mortgage. They have extended our lease for another month, and if this issue is not resolved before then, we face repossession of the vehicle, which will cause more unnecessary distress and damage to our credit! We should not be penalized and suffer the consequences of the errors between these two companies.

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 2021-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On the following dates I filed the following disputes with CFPB : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX CFPB - you have allowed the credit bureaus to not act accordingly to my FCRA rights as a consumer. I have filed several complaints with you, which you've closed my complaint every single time. You have allowed the credit bureaus to use the stall method acting as if I was impersonating someone else which is XXXX. I am the original creditor per the FCRA and no debt can't be validated unless " I '' the consumer validate it. This has caused me stress, anxiety, loss of employment due to this public record on my credit report which is a violation of 15 USC 1692d ( 1 ) states any bad debt furnished on my credit report is ruining my reputation. This defamation and emotional stress.

I have been asking for a remedy and haven't received anything yet. My privacy is being violated continuously. Since you have been closing my accounts with no remedy and not holding the credit bureau accountable, if this issue is not resolved I will be seeking litigation on you.

I am a California Consumer and I will refer you all to the district attorney office.

I have also filed a complaint with the FTC and XXXX.

Removed this off my CREDIT 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 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. Regardless of the multiple written requests, the public record, accounts and inaccurate information listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( EXPERIAN, XXXX, XXXX ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove these items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$0.00}

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 2021-07-09
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On Monday, XX/XX/2021 I closed on a property with Wells Fargo as my lender. XXXX XXXX was the company who performed the title work. 

The final amount that I was informed I owed was {$25000.00} by XXXX XXXX  and Wells Fargo the morning I went to closing. I went to the bank and performed a wire transfer for the full amount. I then went in and signed all relevant closing disclosures with this amount present on the paperwork at XXXX XXXX 

On Tuesday, XX/XX/2021 I received an email and phone call from XXXX XXXX  that stated Wells Fargo had made a mistake on the closing disclosure. That I would have to sign a revised closing disclosure and wire additional funds in the amount of {$1600.00} or they would refuse to fund the loan which would void my contract on the property and result in me losing {$10000.00} in earnest money deposit. 

I spoke with my realtor regarding this situation and he said this was the first time in his twenty years of experience of a bank forcing a revised closing disclosure when it was clearly their mistake. 

My loan officer at Wells Fargo was XXXX XXXX XXXX XXXX ). I reached out to his Branch Manager, XXXX XXXX ( XXXX ) who confirmed that my choices were to pay in full, or they would refuse to fund the loan end of story. Despite it clearly being their mistake, and the closing disclosure already being signed they refused to make it right by waiving the difference. 

I had to take off work an additional day XXXX XXXX XXXX XXXX XXXX to handle this situation and to do the additional wire transfer or risk losing the property as the loan would not be funded. 

XXXX XXXX said the best she could do was a small adjustment of {$380.00} ( from ( {$1600.00} to {$1300.00} owed ) as an apology for the inconvenience. I said this was unacceptable as I had already closed on the property and this was clearly Wells Fargos mistake.

She said I could either wire the money or lose the property as the loan would not be funded. I asked for this issue to be elevated further to Wells Fargo corporate and was assigned to XXXX XXXX, XXXX XXXX XXXX. 

I spoke with her once, she never followed up regarding the case and a month later I received a phone call from someone I had never spoken with before stating a review had been done and Wells Fargo would be taking no actions to make this right.

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 2016-02-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2009 I lost a job that I had for about 20 years. I found a job 3 months later making XXXX less so I got behind on my mortgage so I ask for a modification they did in but the payment went up I told them that it will be hard but it took a long time and I hired a attorney to help me he drag it along for over a year then I did n't hear from the attorney then I found at he was suspended. So I had to do it myself I think they took advantage of me. Then I ask for another modification because I was struggling they did it went hire I struggle they did another one it went to XXXX over XXXX more then what the original payment in 2009. I thought that when you get a modification the payment go down ( am I right ) so I have gotten behind and they will not help me that 's why I am turning to you guys for help we took in my father-in-law he is retired because he has no place to live and we took in my daughter and he XXXX baby 's so was in XXXX relationship. So all the bills went up I am looking for help so I do n't lose my house my son is upset because we might have to leave.

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 2022-07-15
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2016-06-28
Company: Big Picture Loans, LLC
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took a loan out of {$1000.00} and was told I would repay {$1300.00}. I have now made XXXX payments and my first payment was for {$500.00}, XXXX payments at {$290.00} and XXXX payment for {$320.00} so now I 've paid {$2000.00}. This transaction approval for funds was before signing and not knowing they were going to charge me thousands.complaint : Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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: Reporting company used your report improperly

Complaint:
I submitted an online dispute with equifax on XX/XX/22 for XXXX account # XXXX. I received an update online on XX/XX/22 stating my account was verified as accurate. I'm confused as to how they were able to investigate this account in only 6 days and make a determination that its accurate. On XX/XX/22 I sent them a letter requesting them to provide me with validation of how they completed the investigation and verified this debt to be accurate. They are saying they did but according to law they didn't do a proper investigation. According to law they violated my consumer rights and these consumer laws. 
15 USC 1681. ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, 2015, I found Enhanced Recovery listed on my credit report ( XXXX and XXXX Account Number per Credit Report : XXXX ). I have never been contacted by them, never received a dunning letter stating I had XXXX days to dispute ... nothing. I just found them on my credit reports. I immediately sent them a DV letter. It was mailed on XXXX XXXX, 2015 and received XXXX XXXX, 2015. ( Tracking number via XXXX XXXX, mailed to ENHANCED RECOVERY XXXX XXXX XXXX, FL XXXX ). On XXXX XXXX, I get an alert that Enhance was posted to my XXXX report. That right there, posting an account to a credit report while in dispute and not showing proof, is a violation. On XXXX XXXX, I disputed it with all XXXX CRA 's. Within XXXX hours, Enhanced verified the account with all XXXX CRA 's. Still till this day, XXXX XXXX, 2015, Enhanced has ignored my DV and has not responded to my DV but they continue to verify with all XXXX CRA 's. Huge violation! Enhanced has violated the FDCPA section 809. I want this account immediately removed from all CRA 's.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: MI
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:
An accommodation includes any payment assistance or relief granted to a consumer who is affected by the XXXX pandemic during the period from XX/XX/2020, until 120 days after the termination of the XXXX national emergency declared by the President on XX/XX/2020 under the National Emergencies Act.1 Such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract.2 An accommodation includes assistance or relief that is granted voluntarily or pursuant to a statutory or regulatory requirement. 
This statement from the cares act clearly states that payments during the XXXX national emergency would have accommodations. My late payment was reported XX/XX/2020 My payment was missed in XXXX. this is well in the 120 days of XX/XX/2020. 
XXXX XXXX is in violation of the cares act but not giving me accommodation. 

I will attach the email sent to them informing my situation.

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