BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Wells Fargo ( XXXX ) in XX/XX/XXXX informing them I would pay my own California Supplemental taxes. I informed them I did not want XXXX to pay them because it would cause a shortage in my escrow account. They then instructed me that it would not cause a shortage and that they would pay it with my escrow funds. In XX/XX/XXXX it did indeed cause a large shortage just as I predicted to them and it was the exact amount of my taxes I intended to pay in XXXX. {$1900.00}. Then my mortgage would increase to help pay these the following year even though I proved to them California only charges these in the first year of homeownership. I called them the same day I received their new bill and told them this should not have happened because I was told by their own service team it would not occur. They told me they would fix it and my mortgage would return to my normal amount which was {$300.00} less than what they were trying to charge. Then a week later and they send a new bill which was {$500.00} higher than my original bill. I called again and now months have gone by without any real response. Just responses saying they are working on it. I paid my new XXXX bill that they pulled a number from thin air and now my XXXX bill is even higher than my XXXX bill that they said would be lowered. I have talked to numerous people and none of them can figure out how my bill is calculated. They come up with numbers then ask me to come up with a bill that I think I should pay. I never realized a bank could be so inept at figuring out a fixed mortgage bill.

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 2018-12-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account was opened fraudulently. I have tried to fix this problem with XXXX XXXX, Portfolio Recovery, as well as the credit reporting agencies with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They violated the law when I asked to view my note. They told me to come to XXXX XXXX XXXX Utah when they are required to allow me local Viewing. Also XXXX agreed to postpone the auction although it went forward. Illegal 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 2018-12-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018, I checked my credit report through XXXX. XXXX and XXXX   reports came back as accurate. Upon pulling my Equifax report, the Equifax website asked for my personal information and ask for me to complete the e-verification questions, which I completed appropriately. When the credit report was pulled, the report contained the name of another individual with a complete different credit history from my own. I have reached out to Equifax and filed a formal compliant and put a fraud alert on my account. 

My concern is their website linked my information to an entirely different individual and credit history. I'm also concerned as a consumer that my sensitive personal information is not secure and may be  available for others to view.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have inaccurate information on my credit report regarding a loan from XXXX XXXX XXXX that was paid off in full and no late payments. The loan is reporting inaccurately and causing me great distress.

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 2021-06-08
Company: EQUIFAX, INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax has not responded to my letter about four fraudulent accounts. These are not my accounts nor did I consent or authorize them. Also, according to the ) 1681 ( b ) ( 2 ) nothing can be furnished on the consumer report without the written instructions of the consumer. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: CITIBANK, N.A.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XX/XX/2018. I was notified I owed a debit, I did not make.

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Dear Consumer Financial Protection Bureau I recently received an update to my Transunion credit report on XX/XX/XXXX with XXXX added to my file. I have been battling with this company for years now and to date they have been unable to provide me any resolution and adding to my file destroying my creditworthiness. I am a victim of identity theft and Transunion takes this matter seriously therefore I am doing what the Transunion representative mentioned to do. 

I filed an original CFPB complaint in XXXX attaching my Federal Trade Commission Affidavit, and XXXX Police Report and was told by XXXX to send it again so that they can have the erroneous information removed. XXXX has been unable to provide me any documentation pertaining to the {$15000.00} amount reflecting that bears my signature nor ties me to any contract it's disappointing that a company would do such a thing to consumers. The company XXXX XXXX is destroying peoples lives and hurting my creditworthiness. It was deleted once and now 4 years later they are trying the same tactics. I hope that XXXX can see my hardworking in trying to fix my identity theft case and resolve this matter and remove this account please. 

Thank you Transunion for always helping me fight and you've been great at helping me fight identify theft. Identity theft is no fun and so very damaging. 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 non-monetary relief
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX and XX/XX/2020, I filed a dispute with the Three major credit bureaus Experian, XXXX  and XXXX  about the unverified account : XXXX XXXX acct # s XXXX and XXXX In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of XX/XX/2020. 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 2021-10-24
Company: EQUIFAX, 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:
As a victim of identity theft, in XX/XX/XXXX, the Federal Trade Commission issued me a recovery plan to follow step-by-step. The plan directed me to send a copy to Equifax. After equifax received it, they deleted the item. 
This item that they deleted, had appeared in XX/XX/XXXX without any notification by equifax as required by the law. I sent them a protest letter that they failed to notify me. Equifax responded that they completed the investigation and they verified it belongs to me I obtained new identity theft report and sent it equifax. On XX/XX/XXXX equifax deleted the item. This item reappeared for 2nd time without any notification by equifax as required by the law.

Since then I sent 5 additional letters, begging, requesting, asking equifax to provide me the description of the procedures used to verify this item. In addition, the attached letters here show that the information regarding this account have been changed and equifax is reporting them with different value, such as date when was open, 1st delinquency, date of last payment etc. The date when was closed is missing and this makes the account incomplete. Equifax have been notified multiple times of these errors and they are aware of these errors. 

So far, equifax have not responded to my letters how did they verify this belongs to me, why they are keeping this account in my file, knowing the fact that it is incomplete, and why does this account is now reported with different values from what it used to be before.

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

Complaint:
XXXX Stores have reported that I have opened an account No. XXXX on XXXX XXXX, 2013, for a line of credit of XXXX XXXX Dollars ( {$100.00} ).

XXXX clamied that I made a purchase for XXXX Dollars ( {$40.00} ). 

I did not open the account. I did not make purchases from XXXX. Also, I received no bills or any information from XXXX indicating that I owe XXXX any due and outstanding amounts. 

I only found about this account when it showed up as a negative mark on my credit report. I wrote to XXXX to request more information or copy of the bill. XXXX failed to respond. 

I disputed the matter through Experian credit agency. XXXX refused the dispute and affirmed the negative account. 

I request XXXX to produce the charges I made and XXXX bill that it had been sent to my address of record. XXXX failed to do so and should remove the negative report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: BlueChip Financial
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX. at XXXX XXXX XXXX, XXXX PA XXXX ( XXXX ) XXXX obtained my credit report from XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX on X/XX/2017. This inquire for credit purposes was then released to other credit report agencies which is illegal. Additionally, I do not remember ever applying for a loan with XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Mercedes Benz Financial Services
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 have filed several complaints about inaccurate reporting of my payments. The loan was paid in full and on time in XX/XX/XXXX. There are discrepancies between whats being reported to the XXXX  different credit bureaus. Twice Mercedes Benz Financial Services ( XXXX ) took more than 30 days ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 70 days ) and ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 39 days ) to respond to my complaint and simply ignored the premise of the complaint. 
Although the account has been paid and closed in XX/XX/XXXX, upon my disputes in XXXX and XX/XX/XXXX, XXXX has marked my credit report with a payment status for XXXX and XX/XX/XXXX. 
It is unacceptable that XXXX continues to ignore the FCRA, refuses to answer disputes within 30 days, posts inaccuracies to my credit report and behaves with impunity despite the fact that the loan was paid in full and in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX around XXXX XXXX  ( EST ), I called Ford Credit back after one of the numerous messages they left on my personal cell phone. I dialed the extension for XXXX, but my call was answered by someone named XXXX. 
XXXX barely let me speak and was so rude and nasty I don't understand how or why she still has a job. She had the audacity to tell me I may as well cancel my {$60.00} partial payment ( which would have resulted in a {$35.00} stop payment fee to me ), threatened to reposses my car as if it belonged to her personally, and when I asked to be transferred to someone else, she hung up on me. 

I don't appreciate being threatened with repossession at XXXX XXXX XXXX especially not when I suffered a XXXX XXXX in XXXX and am still in recovery. 
I was laid off from my job in XX/XX/XXXX and suffered a XXXX XXXX in XX/XX/XXXX. I have been in recovery for 6 months and unable to work. I was JUST cleared to look for work a few weeks ago and my payment history wasn't bad before these events. 
XXXX doesn't appear to have been trained on how to be professional when speaking to customers ; she spoke to me as if I were less than a person because I'm not yet able to make my missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been XXXX. I was unaware my account was overdrawn because I was hospitalized due to XXXX. While in the hospital my account accrued nearly XXXX dollars in over draft fees and a credit from a dispute for a room I never even should have been charged for was also reversed. 

I was not able to even understand what was going on around me while XXXX. I told them this and the fact I been not working and they offered to take the balance down by XXXX dollars only. Really? This is insane also two atm fees XXXX and the other for XXXX was charged when my account was long in the negative there is no way that the atm transactions went through I have a list of these fees this heartless bank is trying to take from me but I am not able to pay XXXX dollars. If I knew my account was overdrafted I would have paid but I was hospitalized and unaware. What do they want me to do? This is terrible greed of a bank. Going after one who has little. It's sad. I attached all the fees gathered while I lied in a hospital bed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX, I sent Equifax a certified letter ( view attached ) requesting verification of Inquiries on my account. Inquires that Im not aware of. I asked for further investigation to be done because, if you look at my XXXX. Its not all the same across. I wrote to Equifax, I called Equifax XX/XX/2021. I spoke to numerous representative that stated nothing can be done. XX/XX/2021 I wrote to Equifax again, I have not gotten a response in regards to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
5 years ago XXXX called me and told me i was eligible for student loan forgiveness. i paid XXXX a month for the first 12 months and then XXXX dollars ever since till XXXX of 2018 when i found they were being sued by the federal government, not sure what to do know i have auccered and extra few XXXX dollars in interest i thought they were paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX accounts # XXXX AND XXXX. 

Settled in Full with XXXX XXXX XXXX on XX/XX/2020 account representative is XXXX XXXX. I did receive letters settled in full for both accounts. 

I spoke with three different people at XXXX XXXX XXXX XXXX on XX/XX/2020. One advised they no longer own this debt they sold it to XXXX XXXX XXXX. I called back to ask for a letter stating that and was informed they do not have a letter to indicate that and was transferred to member services. I was then advised there was no update that payment has been fulfilled. I called three times to XXXX XXXX XXXX to find out when will it be reported back to XXXX XXXX XXXX XXXX as it has been over a month.

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 2020-02-10
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 just check my Credit. I notice an account that I did not authorize. this Account is fraud and I would like to report this I cant understand how this could happen, its like anyone can have access to your personal information. 
I would like this matter to be resolved, also I would like to add an fraud alert to my credit file ASAP so that can no longer happen 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 non-monetary relief
Consumer complaint received 2019-07-05
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: Information belongs to someone else

Complaint:
I had some concerns after getting a letter about a breach at XXXX XXXX. On XX/XX/2019, I went to annualcreditreport.com and pulled my credit report. Everything seems to be ok except for my report showing two different addresses. I have lived in Georgia my entire life and for the last 33 and 1/2 years I have lived at XXXX XXXX XXXX, XXXX, Ga XXXX which is the first address on the report. There is a 2nd address showing of XXXX XXXX XXXX, XXXX, XXXX, NT XXXX. Address ID # XXXX. I have never lived at this address and I don't know of anyone that does. Would you please help me with this? Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close : XXXX {$0.00} Charge Off : XXXX XXXX XXXXXXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief