BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-12
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: Their investigation did not fix an error on your report

Complaint:
In reviewing my credit report in XX/XX/2018, I learned a company, XXXX XXXX XXXX, had reported a debt in XX/XX/2018 and never contacted me. To this date, I have received nothing. I attempted to contact them as soon as I discovered the item on my credit report. I wrote to the address on the credit report and USPS returned the mail undeliverable. I submitted online disputes with Transunion and XXXX. No investigation responses were received from them either. I wrote to other addresses I found for XXXX XXXX and have never received any response. I sent letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 to XXXX. The online disputes were submitted to the credit report agencies during that time and again recently. I have spoken with an attorney who states they are in violation of FCRA and FDCPA as this effects my ability to move to suitable housing and they did not respond within 45 days with verification of this alleged debt. My right to dispute this debt has been violated. I am being denied housing now in addition to the violation of my rights. To this date, no contact has been made by XXXX to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The XXXX XXXX sent me multiple emails after I departed from their facility none of which mentioned a debt owed. I have attempted to contact them for months when my roommate first made me aware of the balance ( no answer ). My roommate stated that it appeared on her credit. A month later I started getting harassed with multiple calls ( within minutes of each other ) everyday while at work. When I would call back I got line errors so I thought it was fraud. This company Hunter Warfield who is now reporting to my credit never sent me anything regarding this debt. I had no issues fr the XXXX while living there so Idk what this could be for. I have disputed this debt TWICE on my XXXX report since XXXX and still have not gotten a breakdown of the debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was victim of identity theft as a result of being XXXX and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the ACCOUNTS are not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take settlements. I don't know what else to do so i am finally coming to you guys for some guidance please.

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 2020-05-11
Company: Experian Information Solutions Inc.
State: AR
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/2020 I sent copy of my Federal Trade Commission # XXXX identity theft report to XXXX, Experian, and XXXX   via mail explaining that I've recently have become a victim of identity theft and that several accounts including XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX were opened and or established without my knowledge or consent. Since my dispute today marks day 38 days total and I've yet to have heard or received any correspondence from XXXX, Experian, or XXXX. I checked my credit report this morning and these same accounts still remain reporting on my credit report. I still have several addresses that are currently displaying that were requested to be removed during the same time my initial dispute was sent to XXXX, Experian, and XXXX. Since it has bee over 30 days and I've yet to receive any nor accurate verification period, Per the Fair Credit Reporting Act ; XXXX, XXXX, and Experian must delete all of the fraudulent accounts from my credit file and send me an updated copy after the deletions have been made. I exercising my rights per section 605b, 609,  and 611. I will include a copy of my report with this complaint.

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 2020-06-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, We submitted a Mortgage Application with one of USAA Loan representatives. at that time we were told that we were not approved due to XXXX XXXX middle credit score was 2 points less than required. 
Because of the information in the credit history, it is very important to review the credit information that is being furnished to make sure it is accurate, that's exactly what we did and discovered that there was inaccurate information reported on all three credit files. ITEM WAS DEPUTED and removed. 
On XX/XX/2020, we requested and application report to check XXXX XXXX Score to assure a required status. At that time We were told that XXXX XXXX score was not Significant enough to fit the required score to qualify for a Mortgage Loan. 
XXXX did not ask to have a credit application re- pulled because a credit report is good for 90 days. I was told that my middle score was to low. 
On XX/XX/2020 XXXX XXXX middle score was XXXX. 
On XX/XX/2020 XXXX XXXX middle score was XXXX. 
( unexplainable ) One again we were asked to contact at three Credit Agencies. 
We did that and discovered that XXXX had no record of USAA ever inquiring of a credit file. Unexplainable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I SUBMITTED A COMPLAINT REGARDING MY LOAN THAT IS SERVICED BY BAYVIEW LOAN SERVICING FOR XXXX  XXXX XXXX, REGARDING THE PREDATORY LOAN I HAVE WHICH HAS DIRECT VIOLATIONS TO THE TRUTH IN LENDING FEDERAL LAWS THAT IS STILL UNDER INVESTIGATION, WHICH BAYVIEW IS FULLING AWARE OF BUT THEY ARE STILL TRYING TO MOVE FORWARD WITH THE FORECLOSURE OF MY HOME ON XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Experian Information Solutions Inc.
State: NY
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/2018 I submit a request to all 3 credit companies with documentation in support of asking them to investigate and remove XXXX XXXX XXXX XXXX loan because it was fraud and obtain through Identity theft. All 3 investigated and XXXX   along with XXXX  decision was it was deem fraudulent and removed it from my report. Experian did not remove XXXX XXXX XXXX XXXX but as you can see in my documents they remove XXXX XXXX XXXX XXXX/XXXX XXXX. One part of the loan. I am begging for assistance to get this resolved.

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 2020-02-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my Chase Visa Card was charged 77 ( seventy seven ) times with unauthorized charges. 76 ( seventy six ) of the charges were for {$200.00} each ( XXXX XXXX ) to  the same merchant. One charge was for {$600.00} ( XXXX XXXX ) to a different merchant. 
I called Chase in XXXX of XXXX immediately after I made the discovery of the charges. They subsequently removed the charges from my account. On XX/XX/XXXX Chase called and said I will have to pay the charges. They were not on my XX/XX/XXXX to XX/XX/XXXX statement but I do see the amount as of today on my Internet statement. 
Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-12
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I got this loan in XX/XX/2014 only had 8 late payments, loan started at XXXX now after 4 yrs balance is XXXX, It hadn't went down only up this can't be right. I had no help from them, they just say pay more, I need help so I can pay it off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The listed credit card accounts XXXX, were opened through fraud on or about the following dates XXXX. 
I documented that the accounts were opened by a divorced spouse that was able to obtain my personal information, including checking account details about me and even opened a checking account in my name. 



Capital one Bank, was provided copies of the FTC report. Capital One Bank failed to acknowledge the receipt of the documents sent to them by certified mail, nor did they update my credit report showing that the accounts were in dispute, with the necessary notations. I notified XXXX, XXXX, and XXXX, of the Fraud, and I provided requested documents to them. Each of the three credit bureaus placed fraud alerts in my credit file. I disputed each one of the accounts with the bureaus. Capital One Bank failed to respond to the dispute as it was filed with the credit bureaus, and instead verified the accounts as accurate. 

Capital One Bank did open an investigation, but did not supply any supporting information to their incomplete findings. I received a letter for each account from Capital One, dated XX/XX/2020, which stated that their investigation found no signs of fraud on the accounts, with no further information. I was not provided in writing how Capital One Bank came to this conclusion. I suspect that no investigations actually took place. 


XXXX XXXX XXXX in XXXX Tx, filed separate lawsuits for each fraudulent account in the county in which I reside, per the direction of Capital One bank, and also obtained default judgements for them as well.

How can a collection lawyer obtain judgements through the courts, when the accounts that they hold were not opened by me and have been reported as fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. I have attempted to have it removed and disputed on numerous occasions. I have spoke with the creditor and attempted to get it removed unsuccessfully. I have received numerous calls threatening about this debt collection. I do not owe this account or this Dad and I want it removed from all my credit bureaus immediately. To include XXXX, XXXX, and XXXX XXXX. I am in the process of seeking legal help and an attorney to pursue a lawsuit if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Experian Information Solutions Inc.
State: AR
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've contacted this company three times with a request to remove inaccurate and unverifiable accounts from my credit report. A notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. They are in violation of this law. 

The following accounts remain unverified, even after multiple attempts to receive validation from them. I request that these accounts be immediately removed from my credit report with all credit bureaus that they report to.

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 2021-11-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For over 3 months, I have been trying to get the Private Mortgage Insurance ( PMI ) removed from my mortgage loan. I qualify for it based in Wells Fargo Home Mortgage criteria. I initially requested to have the PMI removed and was informed that forms would be mailed to me. I call Well Fargo Home Mortgage back a month later due to not receiving the forms. I requested for the forms to be sent via email ( which I was previously told could not be done ) and they were sent to me. I completed forms and enclosed a {$320.00} dollar check for an appraisal to be continued. The check was cashed 1 month ago. I have called multiple times to try to get them to remove the PMI. Each time, I am told the same thing ( we can't find a person to do the appraisal ). I am given different answers every time and in the meantime I continue to be billed for the PMI. I called again today and asked specifically when the appraisal would be done and when the PMI would be removed. The answer was " we don't know. '' I am aware of the deceptive practices Wells Fargo Home Mortgage has used in the past. In fact, I was part of a government class action lawsuit and I received a small settlement due to the deceptive practices used by Wells Fargo Home Mortgage in a previous mortgage loan. This time around, my mortgage loan was sold to Wells Fargo by a broker and I had no say in this process. Otherwise, I would not have selected them to be my mortgage holders. My loan # is XXXX. I seek a simple resolution - complete appraisal and remove PMI. I also request that this is done retroactively and that all PMI payment that are being currently made be refunded to me. Wells Fargo Home Mortgage continues to use deceptive practices to take advantage of customers. I now ask for CFPB for help. Thanks you.

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 2021-06-05
Company: Fidelity National Information Services, Inc. (FNIS)
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:
CHEXSYSTEMS, INC CONSUMER RELATIONS DEPT XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX I HAVE CONTACTED CHEXSYSTEMS ABOUT 5 DIFFERENT TIMES TO DISPUTE INACCUARTE / INCORRECT AND UNVERIFIABLE INFORMATION ON MY CREDIT REPORT BUT THEY ARE REFUSING TO UPDATE AND CORRECT MY FINDINGS. THEREFORE, MY NAME, ADDRESS, AND SEVERAL OTHER THINGS ON MY CREDIT REPORT ARE WRONG AND I AM NOT EVEN ALLOWED TO GET A LOAN WITH XXXX XXXX BECAUSE OF THE INACCURIES. I SENT THEM DOCUMENTATION PROVING MY FACTS AND THEY HAVE STILL DENIED MY REQUEST AND REFUSE TO CORRECT MY INFORATION.

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 2021-06-05
Company: Continental Finance Company, LLC
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 I called in to Continental Finance Company regarding an annual fee, was in seek of a potential waiver or reduction. I explained to the representative that I would potentially consider closing my account because I dont use the card often. We had a discussion and he explained he was unable to grant a fee waiver. I ended the call. I never gave him authorization to close my account but I believe he did so out of retaliation because I hung up the phone. I mentioned I considered closing my account but did not state affirmatively that I wanted the account closed. I called back and spoke with a manager who reopened the account and escalated my complaint but I wanted to take it a step further because this rogue employee has negatively impacted my credit by lowering my available credit and now triggering a new account on my credit report when its actually aged.

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 2020-05-21
Company: PENNYMAC LOAN SERVICES, LLC.
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:
We called to ask about Forbearance plan, and was told information would be sent out for our review. We received a letter on XX/XX/2020 stating we have been approved for a Forbearance plan. After reviewing the information we decided this is not for us and paid our monthly payment on time and have been paying on time as our credit report stated all for the month of XXXX states No Data Show ( ND ). We are request the month of XX/XX/2020 to be shown as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-12
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:
On XX/XX/XXXX I sent a certified letter to XXXX XXXX containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to Experian containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to Experian. Experian # XXXX XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to XXXX  containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX. XXXX  # XXXX XXXX XXXX On XX/XX/XXXX I received confirmation that XXXX XXXX received the certified packet and on XX/XX/XXXX I received confirmation that Experian and XXXX  received the certified packet that I sent. 

On XX/XX/XXXX I paid my credit monitoring website, XXXX a fee of {$29.00} to refresh my credit reports with all three credit bureaus. The fraudulent accounts with each respective credit bureau have not been removed and are causing my FICO Scores to report inaccurate.Additionally, this is causing a strain on my health with my XXXX and XXXX  levels. 

On XX/XX/XXXX I am submitting a request to Consumer Finance Protection Bureau to assist me in this urgent matter and clear this up as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had a XXXX XXXX XXXX store card since XXXX. In XX/XX/XXXXthe card was removed from my reports due to fraudulant activity which was incorrect and resolved. It was reported to all credit agencies but i noticed it was missing from Trans Union and was affecting my credit score for example XXXX trans union and XXXX XXXX this was due to length of credit as my account is 11 years old it would make a huge difference to my score. I have tried to have them reinstate the card but was told that Trans Union would not do it due to the length of time. I then called Trans union they told me that they had no such request logged on there system and was told by trans union that if the card was in good standing they would report the information correctly. So i can only assume that XXXX XXXX /XXXX are not telling the truth. I have never missed a payment and have kept my card in good standing. I am in the process of obtaining a mortgage and this is affecting me greatly and is not treating me fairly at all. I want the card and it full history reported to all agencies. I f this is not resolved i will be getting a lawyer involved and sue them for all the extra interest i have had to pay due to there error.

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 2019-01-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We had an interest-only mortgage with Wells Fargo for 10 years. We always paid on time. When the 10 year term of the loan came close to ending, we tried to refinance the mortgage, since the on option Wells Fargo gave us was an interest and principal loan amortized for 30 years. The payments were too high, so we tried to negotiate a 30 year term loan. WF gave us a run-around, kept denying us after numerous attempts, even though our income/debt ratio was in line for their refinance consideration. Eventually, I was forced to file a Chapter XXXX bankruptcy to stall their foreclosure proceedings and we eventually had to sell our home below its value. They were horrible to work with, and forced us out of the home we planned to keep.

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