BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted a previous claim on this issue and the lender, Wells Fargo contacted me and strung me along just long enough for the claim to expire..I believe they are frauduantly trying to take my house by saying they are going to do a loan modification and at the same time as initiating foreclosure proceedings which is commonly known as dual tracking..I have submitted all the paperwork as required by law and they keep delaying by saying they did n't receive them or they have to review them which never leads anywhere.They also told me not to make my payment until the modifiation was completed and I feel that is only to get farther behind and they are delaying me hoping to have the property awarded back to them through 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 2020-05-14
Company: Experian Information Solutions 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:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Enclosed is a copy of my Identity

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 2018-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Your receipt from TransUnion (Order #XXXX)Here is email I sent to: XXXXTo Whom It May Concern:I did not want this feature ($29.99) and must have accidentally clicked on something that wasn't clearly defined, which is the case with your website.Please reverse the charge or I will be forced to dispute it with my bank. Your website is seems deceptive and causes people to click on things that aren't clearly defined. Also, you make it very difficult to cancel anything including the subscription, the website keeps running you through circles. All of this information I can get free via my free credit report per year also I get it free with my XXXX XXXX Cards...Going to your website has cost me $XXXX already for literally stuff I get for free, it's ridiculous!I'm very dissatisfied with all of your services and believe your website is deceptive in the way it is designed. If I could give you a rating it wouldn't be worth even one star....Thanks literally for nothing but stress-ugh!

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 2021-02-23
Company: Flagstar Bank, N.A.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to CO19 I put my home into forbearance -Flagstar did extend that to me till XXXX XXXX I can start making payments again IF they will put the past amount owed onto the BACK of the loan [ like extend the loan one year beyond its final payment date ]. BUT THEY say I have to come up with the TOTAL amount owed [ it will be over {$24000.00} ] AT ONE TIME, once the forbearance is ended. WHAT is the POINT of doing a forbearance IF I still have to come up with all the money at once. OR IF my payments INCREASE? I thought that the CO19 laws where that the amount owed would be tacked on to the end of loan?! PLEASE HELP me get them to allow this so I wont lose my home!!

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 2020-12-01
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-14
Company: EQUIFAX, INC.
State: FL
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:
In XX/XX/2020, I was notified by XXXX  through XXXX that 2 hard inquiries were placed on my credit report to open new lines of credit with XXXX & XXXX XXXX in Michigan - a state I have never even visited or resided. These inquiries were flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX, XXXX & XXXX XXXX, fraud alerts were placed on all 3 credit reports and XXXX immediately removed those hard inquiries from my account ( I can provide documentation, if requested, but will not upload at this time, as it contains NPI ). XXXX  notified Equifax & XXXX, to which neither took action nor contacted me. Equifax has since prohibited me from pulling my free annual ( now weekly with COVID ) credit report from XXXX and they refuse to tell me why they did this. I am now unable to obtain my Equifax report online. 

On XX/XX/XXXX, I filed an online dispute via myEquifax.com to remove 2 fraudulent hard inquires on my account ( XXXX XXXX & XXXX ) ; however, myEquifax.com does not allow documentation to be uploaded for dispute investigation. On XX/XX/XXXX, Equifax denied those requests, stating that I need to contact these creditors on my own and ask they contact Equifax to remove this hard inquiry. Back in XXXX, XXXX XXXX was contacted and my identity was verified, thus the fraud application was denied. Equifax refuses to use XXXX XXXX 's investigation from the date in which the fraudulent activity occurred. On XX/XX/XXXX, I both filed an online dispute again and tried to file a dispute via telephone call, but both were rejected for the same excuse. Per XXXX ( employee ID : XXXX ) with the Equifax Fraud Department, I need to verify my identity with these companies, but she refuses to assist in that process. Equifax will not allow previous investigation work, nor will it assist me, as the real consumer, in getting my Equifax report updated to reflect accurate information. Additionally, since these are hard pulls, they negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: FIRST CITIZENS BANCSHARES, INC.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX   XXXX   closed near my home, so I went in person to the branch in the   XXXX   XXXX   to close it .I told them I would pay in full what ever needed to be paid and close the account, your employee assured me it was closed when I brought it to a   XXXX    balance.I paid the balance up and was told by your employee the account was now closed.Since then I have been receiving overdrafts from dates after it was closed.My automatic deposits were changed at the same time that I closed the account.I tried to contact the bank at the number given me, no response, it went directly to music and I waited as long as half an hour with no response! I am   XXXX    and can not be traveling miles to do my banking.I would appreciate it if you would quit harassing me and keep the account closed as it was in  XXXX .And I do not owe any overdrafts on a closed account! Your prompt attention would also be appreciated.I had 4 other people along the day I closed the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have various credit cards all major companies such as XXXX, XXXX XXXX and etc. Although we are in a pandemic in which many are losing their jobs and unable to pay their bills, however I am not in that situation, I have two jobs by which are thriving in the mist of the pandemic. Plus my wife makes a substantial amount of money as well so as a house hold we can support and pay any and all credit debits. However, I received a letter from fifth third bank stating that they were decreasing my credit limit from XXXX to the amount that has been used already on my credit card so that makes my new credit limit decreased to {$1600.00}, which now appears as if my credit card is maxed out which also decreases my credit score. I always pay my bills on time never been late and always pay ahead of time and never pay minimal due. Out of all the credit cards that I have, this is the only one that felt the need to decrease my credit limit amount which not only hurt my credit score, but also my situation. I been using my credit cards more lately because my father has been sick and I have traveling more often than usual to take care of family matters. I felt what fifth third bank did was selfish, untimely, unethical and influenced by pure speculation and assumptions to where I couldn't handle my debit by which I can, I have been a good customer. However, as a consumer, discriminated against, I was feeling as if it was almost racially motivated, and therefore I am very offended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2018, I had a loan balance of XXXX XXXX XXXX XXXX and XXXX XXXX dollars, XXXX cents with XXXXXXXX XXXX XXXX in which paid off in full. But for the past two months, there has not been any update to my credit report with any of the three credit bureaus as to my loan been paid off. I reach out to XXXX XXXXXXXX XXXX on many occasions to inquire about the inaccuracy on my credit report, but I was unsuccessful in getting the issue resolved with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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/XXXX  I contacted Transunion Credit bureau after having being notified through   XXXX   XXXX   credit monitoring app I use, that my information was sold on the back market, so Immediately I reviewed my credit report & saw inquiries from   XXXX   XXXX   on   XXXX   XXXX  , 2017 &  XX/XX/XXXX ,   XXXX   XXXX     XXXX   XXXX  , 2017,  XXXX    XXXX   XXXX  , 2017 I did n't authorize. I contacted the creditors and I was informed by them to contact The credit bureaus, So I first contacted transunion on  XX/XX/XXXX  and was told I needed to contact the creditors and request the ok to delete letter from them, I was again told to contact transunion since it was fraud, so on XX/XX/XXXX I contacted them and let them know that they needed to look into this & investigate it, I was assured that it was going to be looked into. In the mean time it was recommended by another credit bureau I file a police report for fraud, so I did on Friday XX/XX/XXXX and faxed it into transunion in hopes that this would get this matter finally resolved, I then called them the same day and was told a representative they received the report and they would investigate it, I was a little leery about it, given all the back and forth, so I called back Monday XX/XX/XXXX  and was told they did n't receive the 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 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX failed at my loan modification and my loan refinancing. Credit report went from XXXX to XXXX. Many hardships occured from their failures. I am trying to reach out to credit report to correct. I need a XXXX credit score to refinance. It was XXXX when I first applied for a loan refinancing. After 130 days it failed.

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 2020-07-23
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo automatically put me in a forbearance for 3 months which was very helpful. XXXX XXXX and XXXX. I re summed my monthly payments in XXXX. However they put that into my escrow account. The received another letter extending my forbearance till XXXX. which I did not want. Several emails and phone calls I was told I have to accept the additional 3 month or they would report my XXXX, XXXX and XXXX payments as late to the credit bureaus if I rejected and was removed from the Covid forbearance program. I did get someone else on the phone and they made a payment arrangement for 1 month of the forbearance period and they would move the other two to the end of my loan. We have an arrangement and they would send out documents to process within 10 business days its been 14 .My on line account still shows as being delinquent. My request for a refund of my Escrow account was denied ... over {$2000.00} extra even after just paying my Taxes and Insurance which they reported they could not apply to my loan or payment arrangement. My account still shows past due as XXXX payment. 
Copy of Online Account Next payment due on XX/XX/20 Next payment details {$1600.00} Total amount due to make loan current {$4800.00} Your account is on a short-term payment suspensionOpens dialog Last payment received on XX/XX/20 {$1600.00} Outstanding principal balance {$190000.00} Interest rate 4.75 % Escrow balance ( taxes & insurance ) Escrow details {$3000.00} Actual Payments in my account history Principal Balance XX/XX/20 PAYMENT {$800.00} {$190000.00} XX/XX/20 PAYMENT {$1600.00} {$190000.00} XX/XX/20 CITY TAX PMT {$1600.00} {$190000.00}

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 2018-09-27
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: Public record information inaccurate

Complaint:
I received a copy of my credit report and there is a Chapter XXXX Bankruptcy Discharge Ref # XXXX. I have never filed for bankruptcy and asked that you have the bankruptcy removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: Resurgent Capital Services L.P.
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 have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2019 with a balance of {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Experian Information Solutions Inc.
State: TN
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:
Creditor Name : XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX/XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623

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 2018-09-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a copy of my credit report and there is a Chapter XXXX Bankruptcy Discharge Ref # XXXX. I have never filed for bankruptcy and asked that you have the bankruptcy removed from 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 2020-05-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$420.00} XXXX  XXXX {$6300.00} XXXX XXXX XXXX {$550.00} XXXX, XXXX {$600.00} XXXX  XXXX {$1000.00} XXXX  XXXX {$270.00} XXXX, XXXX {$66.00} XXXX, XXXX {$110.00} XXXX, XXXX {$94.00} XXXX, XXXX {$100.00} XXXX XXXX XXXX   XXXX {$180.00} XXXX  XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$720.00} XXXX   XXXX XXXX XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In or about XX/XX/XXXX I got a home equity line of credit for {$120000.00} Account number ending in XXXX. 

The account was an open line of credit and transitioned into a term loan ending in account # XXXX In XXXX filed for Bankruptcy. 

Included in the Bankruptcy from XXXX was XXXX account ending in XXXX Credit Control LLC & XXXX has made several attempts after bankruptcy to collect via phone calls, voicemails, recorded phone calls, and via XXXX mail in XXXX and XXXX. A lien is also on the title of my home and is in and of itself pressure and an attempt to collect on this discharged debt. This is harassment. do not call me as I am represented.

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