BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-16
Company: Gross Polowy LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX Notice of Chapter XXXX Bankruptcy Case, Meeting of Creditor, & Deadlines filed. ( Notice attached ) XX/XX/XXXX Notice of Appearance with request for copies of all orders, notices and pleadings under bankruptcy rules 2002 ( g ) and 9010 ( b )  filed by XXXX XXXX XXXX, XXXX as servicer for the XXXX XXXX XXXX XXXX   XXXX XXXX XXXX. ( Notice attached ) XX/XX/XXXX Final bankruptcy Decree received that included referenced mortgage property. ( Letter attached. ) XX/XX/XXXX Received letter from XXXX XXXX XXXX, XXXX stating the following : " This letter was sent to acknowledge that we are in receipt of your request regarding the REO inquiry through correspondence received from XXXX XXXX. '' -I did not make this request and sent a certified letter, with return receipt, stating the property had been surrendered in a chapter XXXX bankruptcy with all of the applicable filing information. ( Letter attached. ) XX/XX/XXXX Received NOTICE OF OWNERSHIP CHANGE from XXXX XXXX XXXX, XXXX stating that the mortgage account had been transferred. ( Notice attached ) XX/XX/XXXX-XX/XX/XXXX Several invitations to pay and miscellaneous notices from " XXXX XXXX '' received . 

XX/XX/XXXX Debt validation notice received from Gross Polowy LLC. 
-XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and ALL of its servicers are well aware that this property was discharged in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Beginning in late XXXX, I began receiving a number of alerts from the credit monitoring services that I have, saying that either new inquiries had been made on my credit report, new addresses added to the report, or in some cases even new accounts opened. I contacted Experian, XXXX, and XXXX in order to dispute these items, and I have also been contacting the individual companies that are making the inquiries/ opening the accounts in order to ensure that all accounts are closed or applications denied. Originally, the credit reporting agencies suggested that I place a fraud alert on my credit report, which I did early in the process. However, that did not seem to have much effect, as I continued to get alerts about new inquiries and accounts. More recently, I discovered the option of a credit freeze ( which was never explained by the reporting agencies - Experian did suggest that I sign up for a paid service they offer in order to lock my report, but did not explain that it was also possible to do essentially the same thing for free with a freeze ). After placing freezes at all 3 bureaus, the alerts have definitely slowed down, but I did receive another address change and inquiry today ( 3 days after placing the freeze ). 

I am submitting this report because I was directed by Experian to submit a report through reportfraud.ftc.gov and upload it to them, and that site sent me to the CFPB website to submit this when I selected the type of 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 2022-08-08
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/2022 Received alert of new student loan on Equifax credit report. This not a new loanm My student loans have been consolidated, so XXXX XXXX {$13000.00} XXXX XXXX {$33000.00} XXXX XXXX {$45000.00} should be listed as PAID in FULL with XXXX BALANCE. Spoke to Equifax and it has not been resolved. Spoke to Student Loans-US Department of Education spoke to XXXXXXXX XXXX XXXX XXXX who also confirmed. 

Current LoaXXXX XXXX XXXX xxxxxxxxxxxx XXXX {$48.00}, XXXX is the Student Loan XXXXXXXX Balance, Paid in Full xxxxxxxxxxxx XXXX {$13000.00} XXXX Balance, Paid in Full xxxxxxxxxxxx XXXX {$33000.00} XXXX Balance, Paid in Full xxxxxxxxxxxx XXXX {$45000.00} XXXX Balance, Paid in Full

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment includes taxes and insurance and increased from {$3400.00} to {$4000.00} effective XX/XX/XXXX, an increase of {$630.00} a month. The increase was due to an unexplainable shortage of our escrow. However, the XXXX County Tax Assessor sent us a bill and the increase in our taxes was from {$8600.00} to {$9800.00} for that tax year, an increase of only {$98.00} a month. After requesting an explanation from Wells Fargo, we never received a response. We paid the increased mortgage payment over the next 12 months. Our mortgage increased to {$4100.00} effective XX/XX/XXXX, however these was an increase in our XXXX County taxes. Again, we asked for an explanation to no avail. We paid our XX/XX/XXXX mortgage of {$4100.00} on XX/XX/XXXX with Wells Fargo Check # XXXX. Wells Fargo cashed the check but never credited our account and thus said we were 30 days delinquent on our mortgage payments. However, we never missed a month of payments. Then, we fell behind 2 months in XXXX owing for XX/XX/XXXX and XX/XX/XXXX, however we made a payment on XX/XX/XXXX for {$8300.00} though brought us current. However, Wells sent us a statement saying that we owe {$5200.00}. We asked Wells Fargo to thoroughly review our payment history as we had proof that we made all the mortgage payments due. Wells Fargo refused to acknowledge our request. WellsFargo stopped accepting our mortgage payments in XX/XX/XXXX as they kept stating that we were delinquent. Wells Fargo never explained why they increased our escrow payment on a fixed interest rate loan and why they never credited our account for a payment that they cashed. We feel like they have no regards to our payments or mortgage contract

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: LA
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:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-03-06
Company: EQUIFAX, INC.
State: GA
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
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:
In the past months I see my credit report from Equifax have numbers accounts and inquiries 44 inquiries are fraudulents accounts are XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX all those accounts are fraudulents please tell Equifax to XXXX  those accounts and I right now thank you so much XXXX bless you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: CONTRACT CALLERS INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was not aware of this bill until, XX/XX/2020. When I ran my credit is when I found out that I owed an amount to XX/XX/XXXX ( XXXX XXXX ). I immediately called the creditor collectors, Contract Callers incorporated. I spoke with XXXX XXXX, a CCI representative. I explained to Mr. XXXX, I was unaware of this bill due to XXXX XXXX and XXXX XXXX and that I would appreciate the opportunity to pay this debt. I also explained that I was on XXXX and receiving limit funds., Mr. XXXX reduced the amount to {$480.00}. Mr. XXXX assured me I would have the opportunity to pay the bill without hassle from the collection agency CCI. I was promised the debt would be temporarily removed from all 3 credit bureau 's because I was never contacted and I was unaware of this debt. Mr. XXXX informed me that they did not have a current address for me and this is why I had not received any mailings. We ended the call with the agreement I must pay {$100.00} by the next Monday, XX/XX/2020. It was to my understanding, that if I paid this in full in a timely manner, the debt would be removed from my credit along with all negative reporting that was incorrectly reported, because I was completely unaware and had not had the opportunity to pay. 

payments XX/XX/XXXX {$20.00} paid XX/XX/XXXX {$40.00} paid XX/XX/XXXX {$55.00} paid Our agreement was met. 
XXXX XXXX {$100.00} paid XXXX XXXX {$19.00} paid XXXX {$45.00} paid XXXX XXXX {$39.00} paid XXXX XXXX {$19.00} paid XXXX XXXX {$150.00}. paid in full. 

This debt was a priority to me and I immediately went to great lengths to make sure it was paid by their guidelines and quickly. 

I have disputed this debt repeatedly on all 3 credit bureaus to no avail. CCI has failed to list any of my payments, diligence or that this account is paid in full. I have contact with them several times by phone, email and written correspondence, only to be back at the same spot I was on day one. 

I would like this debt and all false reporting of late payments and derogatory reporting removed in full as promised. To this date this account is paid in full.

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 2021-07-19
Company: USCB Corporation
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I sent a dispute validation letter, cease and desist letter to USCB Corporation. Under 15 USC 1692 C ( c ), 15 USC 1692 C ( c ) ( 2 ), 15 USC 1692G this company is in Federal Violation and did not follow the proper guidelines under the Fair Debt Collection Practices Act.

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 2021-03-26
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: Was not notified of investigation status or results

Complaint:
Why do you keep lying about my case? The credit bureaus say that I am not the one who is trying to repair my credit, what evidence do the credit bureaus have to say or allege this? They are playing with my financial life, MY CREDIT this is very unfair. I again demand that an investigation be opened immediately of ALL the accounts that I have been disputing in the last 10 months. And stop telling lies, the only one who has been trying to fix my credit IS ME AND NOBODY ELSE. 

And you CONSUMER FINANCIAL PROTECTION BUREAUS are not giving a true follow-up to what the credit bureaus do, I am truly disappointed in you, I came here with you to take refuge and you end up doing me more harm. 

I am attaching my identification, so that they do not say that it is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: SYNCHRONY FINANCIAL
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have recently written XXXX XXXX disputing this debt of {$2000.00} for a JCP card that is on my credit file. I am a victim of identity theft dating back to 10 years ago. Ive explained this to the synchrony bank and have a police report for this crime. I was told that the credit is mine and the account was sold to XXXX XXXX. Account was open XX/XX/2009!!!!!

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 2023-02-18
Company: Lennar Financial Services, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020, mortgage documents were executed with Lennar Mortgage/Lennar Homes , and I was deceived by the product and community promised by Lennar Mortgage/Lennar Homes . The Builder did not disclose red paint that would be painted throughout the community. The Builder did not disclose the Monument to be installed. the actions of Lennar Mortgage/Lennar Homes are depreciating our home value.

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 2022-08-09
Company: PLANET HOME LENDING, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I applied to XXXX and was awarded payment for past due XXXX months mortgage plus XXXX  months fwd. The payment was sent to my mortgage lender - Planet Home Lending on XX/XX/22. It is now XX/XX/22 and the payment still has not been posted my account. I am XXXX days from XXXX past due bc they have not applied the wire transfer from XXXX. Ruining my credit- theres strange men trying to access my home and leaving letters from Planet Home Lending. Per Planet Home Lending an inspector! 
I have spoken with my case XXXX at XXXX & payment was accepted by Planet Home Lending. I did get the payment ID & ACH wire transfer info from XXXX & sent it to Planet Home Lending to locate the payment. They are saying they still have not located the payment to apply it to loan mortgage???? I do not understand why they do not have this applied after XXXX days. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Experian Information Solutions Inc.
State: PA
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 am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions ifentity theft affidavit. Please delete the items 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 explanation
Consumer complaint received 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting to remove the fraud alert on my Credit report. I've sent mail about it but I haven't got any response yet from the credit bureaus. Please help me. Thank 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 2023-06-14
Company: Experian Information Solutions Inc.
State: IL
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 did not open these accounts and I strongly suspect that they are fraudulent.

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 2022-09-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AMERICAN EXPRESS - This account has been paid off and the company either has no record of my account or does not have the ability to take it off my credit report. I have contacted the company and would like some resolution. I do not want this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
upon logging into my Wells Fargo business checking account I was redirected to a page saying I was Pre-approved for a XXXX credit card from Wells Fargo. It clearly stated pre-approved not pre-qualified. I called them up and they proceeded to try and claim that it said pre-qualified not pre-approved. When I was adamant, the rep then very suspiciously asked whether I had proof or not. He then said to email him whatever I had. 

Based on the advertisement I received i applied for credit, which then had a negative impact on my crdit score. Had I known I was only prequalified I would not have filled out the application.

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 2020-11-28
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the information being reported on my credit report is incorrect. 
it's a few days short of 30 days and i have not received any updates on my fraud dispute letters. 

This Account not mine XXXX Account # XXXX Date Opened : XX/XX/XXXX Account not mine XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Account not mine XXXX XXXX Account # XXXX Date Opened:XX/XX/XXXX Account not mine XXXX Account # XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX 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 2018-12-26
Company: Experian Information Solutions 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:
I am a victim of identity theft, the 3 major credit bureaus have broken fcra 605 ( b ) laws by leaving on accounts/public records on my credit report after i've sent them all the stated necessary documents & ftc police report deeming them as fraud due to i.d theft.

Each bureau has stated over phone with me that they've received and processed the documents but are still " under investigation '' beyond the four business days of receipt stated in the fcra 605 ( b ) law. I should not be held to credit disparity due to a identity thieve. These 4 fraud items i have listed in my police report should have already been BLOCKED!

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 2018-12-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I went to ATM inside Branch on XXXX XXXX and tried to withdraw {$60.00}. The ATM took my {$60.00} and gave me a recipe and said call XXXX. Lol.. And withdrawal the money out my account. Then I file a dispute and was given a credit and later it was reverse. I still have this recipe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to request an update to the following information in my file. The item I request is stated below and correspondence I received directly from my credit report. 
Additionally, I noticed that my report is reflecting late payments on two accounts from American Express. These items are inaccurate because both accounts are paid in full and in good standing with no late payments. 

AMERICAN EXPRESS : # XXXX AMERICAN EXPRESS : # XXXX

Company response to consumer: Closed with explanation