BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/20 I file a dispute for fraudulent charges made using my checking account that included approximately 20 charges. I provided Wells Fargo with all of the information I had including a copy of the FTC identity theft report. When asked why I had not recognized and reported the charges earlier, I advised that I did not check my online banking statement and would have had no other way of knowing about the charges. This was able to be confirmed by looking at my activity and account usage. On XX/XX/20 I learned that the entire dispute was denied. When asked why the dispute was denied, I was told that the claim was reviewed in its entirety and a decision is made as a whole rather than on a transaction by transaction basis. Additionally, in making that decision Wells Fargo has factors that it looks to to make this determination. However, days earlier, when I requested to review the claims details with a representative to ensure that the claim was filed appropriately I was told that the transactions that were more than 60 days old would have to be denied because the time to dispute the transactions had expired. If that rationale was used to deny those charges, it could not also be used for transactions that were timely disputed. Furthermore, in speaking with some of the merchants I learned that some of the charges were made online without the physical card being present. It is illogical to investigate a transaction made with the physical card in the same manner in which online transactions are processed. Wells Fargo did not dispute the claim in accordance with federal regulations. This is a norm for Wells Fargo, and why I closed my accounts 6 years ago. I thought over time they must have learned to do better. But they have not. They are in direct violation of their own policy which provides for XXXX liability for fraud. At a minimum, Wells Fargo should have put the onus on the merchant to provide supporting documentation that the charges were valid. Instead Wells Fargo investigated the claims against me as if they were the merchant who allowed for the fraudulent transaction. Wells Fargo 's failure to fully investigate my dispute is a violation of federal regulations.

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 2018-01-26
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: Public record information inaccurate

Complaint:
Had a tax liens filed for {$150000.00}, {$6400.00} and {$2000.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I moved to Nevada in XX/XX/XXXX and filed Chapter XXXX Bankruptcy in XX/XX/XXXX. 
All items items were included in the Bankruptcy and was discharged XX/XX/XXXX. All are currently reflected on my Transunion 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 2017-09-13
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
This reported previously. After inquiring on line from a different company I continued to receive calls from XXXX XXXX and XXXX XXXX XXXX XXXX Co. Even though they were advised I was not interested they went ahead and puled credit anyway. Unauthorized access to my credit file resulted in their rejection of insurance which I DID NOT SEEK AND INFORMED THEM TO CEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
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: Account information incorrect

Complaint:
Experian has a XXXX XXXX XXXX XXXX   showing with issues and the loan was done in fraud by XXXX XXXX XXXX XXXX There are documents forged and not a legal binding contract nor is the instrument by XXXX XXXX XXXX XXXX   legally binding. 
I need by Experian legally proof and the documents proven legally sign by the party as it states personally appeared before. Need proof of Signature as Authentic by me. 
I have attach copy of the document and its what's make/makes the instrument legally binding for the debt. 
If Experian cant prove the document is my Authentic signature I will pursue to add them in my lawsuit as errors or information as showing false/Forged by what ever parties.

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 2022-04-25
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Comenity Bank/ Victoria Secret has been reporting an account for {$460.00} on my consumer report for a couple years now. They illegally sold the account to a debt collector involving my social security number which is considered my credit card. This has been without my knowledge and it is considered unauthorized use Pursuant 15 usc 1602 ( p ). This is defamation of my character and has caused me emotional distress. I am demanding that this account is removed from reporting to my consumer report permanently. I have sent Comenity Bank/Victoria Secret a letter certified mail XXXX XXXX and waiting for this issue to be solved immediately as it is stopping me from many opportunities over the years pertaining to extending my credit out to other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Due to a change in employment and a move, I had to short sell my house. XXXX XXXX XXXX was my mortgage servicer. My account was closed on XX/XX/XXXX. 

In XX/XX/XXXX I received a credit report alert on a past due account. The alert showed that I was past due on my mortgage payment by more than 30 days. This situation caused my credit score to drop by more than 100 points. My credit score is usually in the high 850s. 

I contacted XXXX XXXX XXXX and was told that because my account was closed, they couldn't fix any errors 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 2017-09-13
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Recently there was a massive data breach at Equifax. Said data breach has put at risk the financial security of hundreds of millions of Americans. 
Out society is such that our credit score deterined by this company will determine the trajectory of your life. 
In the recent events, the only option to truly protect your credit score is to enact a credit freeze at each credit agency. This will cost almost EVERY American 10 dollars per agency for a freeze and to remove a freeze. That is {$60.00} for each of the 143 million Americans for the mistake of a company performing a service that most of those Americans did not request. 
I know I do not want to pay the fee to freeze because why should I give money to the people whose fault this is. 
There should be no fee to freeze one 's credit, especially given the current circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: MONEY SOURCE, INC., THE
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My homeowners insurance was due at the end of XXXX. Prior to that date, I switched companies which should save $ XXXX/yr. TMS paid both the old insurance and the new insurance. I received a refund from the old insurance and sent TMS {$1300.00} refund. I asked them to redo the escrow analysis at that time. 

They applied the {$1300.00} to suspense/escrow on XX/XX/XXXX. As of today, they have not completed a new escrow analysis. They expected to have it completed by XX/XX/XXXX. 

They have increased my payment to {$1900.00}, from {$1600.00}, and now say that amount will be due for XXXX also. 

It should not take 3 months to do a new escrow analysis. We have taken a hit with covid, but somehow we're managing. This is not helping!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed a an electricity bill that I paid in XX/XX/XXXX, the utility company wanted to charge a redeposit fee of {$270.00}. I did not agree and sought another service provider. The reason this happened was due to me being displaced from an act of God a Hurricane XXXX. I am still not in my home and this is the only negative remark that is unfair not accurate and is impacting me negatively as a home owner and US Veteran Business Owner. I have tried to pay the Alleged amount owed under protest on XX/XX/XXXX only to have my check returned. I will forward the documents as proof. This agency can not have it both ways and this last act only affirm what I have always maintained. This is not a legitimate claim and should not be on my credit profile. In addition to this complaint I will be forwarding a formal letter to the Three major credit reporting agencies with supporting documentation. I need to be treated fairly based upon the Fair Credit Reporting Statute. This has not been the case as it relates to this issue. My documentation supports my argument.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts are fraudulent and inaccurate on my credit profile

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 2021-11-11
Company: EQUIFAX, INC.
State: FL
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: AMERISAVE MORTGAGE CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2020, I started the re-fi process with AmeriSave Mortgage Co. 
It has been a nightmare of stress and lies. 
This company charges upfront fees. 
They also don't let u shop around for services as they source out to their affiliates. 
But I did not know this initially. 
I was told we would close in 8-10 weeks.

My original loan officer disappeared ( XXXX ) after about 1 month. I never heard from him and after calling a dozen times and NEVER being able to speak to a live person ( in various departments ) for weeks, I was finally assigned a new loan officer. 
I have submitted and resubmitted the SAME paperwork 4-5 times. At some point this loan officer went AWOL for about a week and I again could never get in touch with a living person on the phone not did anyone return my calls. He came back, claiming he had oral surgery. 
They lost my files about midway. They took SO long, losing papers and basically being incompetent, that they had to pull our credit AGAIN b/c it expired. 
They also too SO long that the appraisal expired and they r trying to charge me for a second. 
Since XXXX, I'm told that we will close any day now, but then another mistake pops up and the loan officer blames others and the loan processor blames the loan office, etc. 
I would have fired them long ago, except they charged me upfront fees. And keep promising that we will close any day now. 
I'm very frustrated and have LOST SLEEP over this! 
Why do I not have any recourse or help with this. 
They are holding me XXXX with " non-refundable fees. '' I gave up trying to call b/c I can not speak with anyone anyway. 
Please help. 
BTW- we started a re-fi on a 2nd property and we closed on that one, after MANY hassles and mistakes, in late XXXX. 
Overall, Amerisave is not only unprofessional and incompetent, but full of tricks, lies, and high fees.

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 2021-11-11
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I spoke with Midland Mortgage XX/XX/ on my loan modification with XXXX teller # XXXX for XXXX and they have offered me a modification of 3.125 % which should have lowered my payment but instead they raised it to XXXX My original payment at 4.75 was XXXX and they are unable to explain to me why the payment has gone up except to say they had to add XXXX into the cost of the loan for modification. They said per FHA regulations they can only finance it to XX/XX/. They aren't willing to talk or consider a lower payment. My payment is due XX/XX/ 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 2018-01-26
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: Account status incorrect

Complaint:
The credit agency has dropped my score over 140 points ( how do you calculate how much you are going to drop someone's score? ) over what they assumed was a open account with a delinquent payment. My student loans were in forbearence and the forberence expired but within the week the forbearence was renewed and I no longer had any missed payments. Please see the paperwork attached approving my forbearence. 

I also see they have not updated my credit card amount, as I've made payments as well. This is an awful thing credit companies do to people 's reports and I don't have anything but 2 things on my report, neither being delinquent or in debt collection, I have no idea why I would have a 400-580 below credit card. Please explain and fix this.

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 2022-11-17
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: Account status incorrect

Complaint:
In XXXX  XXXX XXXX  closed my account and charged it off as bad debt for which I received a XXXX and it was filed on my tax return. Though the debt was charged off, my credit reports drill reflect the full balance. In efforts to get the situation resolved by making a payment toward the balance, XXXX XXXX  does not allow you to make a payment with them. When calling back, XXXXXXXX XXXX leaves me on hold for extended periods of time. It is illegal for XXXXXXXX XXXX to take the full balance from me on a debt that they have already charged off and received tax benefit for. It is unfair for XXXX XXXX to let my credit continue to be negatively affected.

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 2019-07-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Not as if it comes with or as a big surprise but during the process of Obtaining two separate school loans I was led to believe that my payment would always remain manageable and that I would have nothing to fear when graduating only blue skies ahead however I was fraudulently led to believe that the payment would not adjust and yet it did and skies became quite a bit more gray. I am aware of the US government is suing XXXX XXXX XXXX and many other entities For fraudulently issue in student loans without disclosing variable rates against the fair lending credit act end it is a violation of the fair credit reporting act to report such fraudulent loans on my credit. I have opened disputes to ask for original amount of the loan an original signature is agreeing to those amounts Yet all three credit reporting agencys failed miserably and following the FCRA in verifying those facts with 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 2020-04-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I keep calling to see where I'm at with the modification and they do not respond to my inquiries, email, onsite messaging and calling leaving messages. 

I am afraid of losing my home which is already in pre-foreclosure status. 

I think they want to keep my house, they pre-foreclosed when I missed only 4 payments from being in a rehabilitation center and couldn't make the payments. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: EQUIFAX, INC.
State: CO
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: Problem with personal statement of dispute

Complaint:
My information is being held hostage I can not get access to it. 

I have spoken with all three bureaus and demand written documentation that I agreed for them to collect and sell my information or show me written documentation that I agreed to be represented by any of these entities. 

I demand addresses for these data collection services so they can be served their notice of suit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
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 received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. Accounts : XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The company XXXX XXXX XXXX sold us furniture and related items on XX/XX/XXXX for {$3000.00} dollars. They delivered different furniture than what we picked out, They will do nothing!! and claim I signed a sales order that states all sales are final, no refunds. There sales order # XXXX is a forgery and never signed by me. I have filed a complaint with my bank The bank stated onXX/XX/XXXX by " XXXX '' there claims representative the bank has no liability to help me. Wells Fargo has a responsibility to protect me from fraud and missrepresentation

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