BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: USDA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Was denied assistance on my loan with Carrington Mtge for the fourth time. They advised me to appeal the deck on each time wit no success. My daughter lives with and I submitted her income to show extra income. I was put in forebearance and I feel that applying for assistance was just a way to put me further behind on my payments, Now the only offer is to liquidate my home. XXXXXXXX XXXX sold the mortgages to Carrington which was a XXXX Rural development loan. I called XXXX and was told, they show no record of a guaranteed loan with this address. I called HUD and was set up with a counselor, Carrington refuse to give her information about the decision on the loss mitigation. XXXX XXXX, HUD counselor. Her phone # is XXXX XXXX XXXX. I feel I was denied the CARES act and this company uses predatory tactics to take people properly. My husband is deceased. I sent death certificates and did a succession on property and they still have on the loan. 
I do plan to seek legal representation but I feel I do not need to pay for a lawyer for their shady tactics. What is the next step in government to address a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. I have never filed Bankruptcy! 

Account Name : BANKRUPTCY CHAPTER XXXXDISCHARGED Account Number : XXXX AMOUNT : $ NA Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$3600.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX  Account Number : XXXX AMOUNT : {$6300.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX  Account Number : XXXX AMOUNT : {$8500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX AMOUNT : {$26000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$3900.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$3800.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$5400.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$5600.00} Reason : Account is fraudulent Account Name : U S DEPT OF EDXXXX Account Number : XXXX AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXXXXXXXXXXXXXX AMOUNT : {$7500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$290.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$760.00} Reason : Account is fraudulent Inquiries : XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have used Venmo for many years and have never had a problem. I have enjoyed the app and it has been easy to use. I trusted them with their service but that is not the case any longer. XXXX XX/XX/2022, I tried to transfer funds of {$100.00} from my account to my bank account only to find out that my account was " suspended ''. I never received an email, I never received a notification on my phone, I was not contacted in any way. I contacted them on XX/XX/2022 and asked for an update on how to unsuspend my account. The customer service team told me they couldn't provide an answer and I would need to wait for their " specialized '' team to reach out to me in 6-8 business days. I decided that a phone call might help speed up the process, I called and still received the same answer. I contacted them again today, XX/XX/2022 and they told me the same thing, but this time, the timeframe can be up to 3 weeks. The CS agent said that I " might '' hear something by XX/XX/XXXX. I still can not access my funds. I still do not understand why my account has been frozen. I believe Venmo, like many other financial institutions, invests the money that I have in my account to make themselves money and they're holding my funds to benefit themselves. This is an unacceptable policy they have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
It is very clear that Transunion is providing false information on my credit report, worst is, when I contacted them to dispute the accounts and ask for evidence or proof of ownership, they could not supply one.. CFPB amp up and remove XXXX   XXXX, XXXX XXXX XXXX XXXX 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 2022-07-20
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 604 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2. It also States a consumer reporting agency can not furnish an account without my written instructions

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 2021-06-07
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX PayPal permanently limited my account with them, and froze my remaining balance. The account held {$2000.00} in revenue for selling goods. All of my sales were legal and in good standing. I contacted PayPal on XX/XX/XXXX via telephone, and I was told that my account was permanently banned, and they did not state the reason. I asked about my money still in the account, and the representative told my the money would be held for 180 days, after which I would receive an email on how to claim. On XX/XX/XXXX, PayPal debited my account the entire {$2000.00}, stating it was to pay for damages to the company. I reached out to the XXXX to complain, and today XX/XX/XXXX I received a response stating they banned my account for possible ammunition sales. They still refuse to refund the money. I understand they can ban my account, but I do not understand how they can lie, string someone along for 6 months, then steal the money that is left in the account for damages. A quick XXXX search regarding this issue will reveal this is not an isolated case. PayPal is continuing to perform fraud and theft in regards to their vague acceptable use policy for which anyone can violate for a multitude of reasons. PayPal should do the right thing and refund not just my money, but the hundreds and probably thousands of others this has been done to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: LendUp Loans LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
It shows in my credit report that I owe XXXX XXXX {$25000.00} that I NEVER applied for it and Never received, although I have never received any info or requests from them all of the sudden very suspiciously it shows I owed them that amount from XX/XX/2016. I spoke to someone in customer service that had no idea what she was doing, completely clueless said the TEAM '' will get in touch with me of course they have NOT. I have sent them many emails they do not answer, finally they send me an email that says LOG IN to my account, which I DONT KNOW what they are talking about since I do not have accounts with them, and send them my name birth date phone number which I did and still they have not answer. This co is a SCAM do not answer back, do not show the documentation or disbursement of funds and they are ruining my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: RC Willey
State: UT
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:
RC Willey is reporting late notations on my credit file for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see RC Willey report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that RC Willey please take leniency on my hardship and remove any XXXX and XXXX lates as a onetime goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-07-31
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:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 

XXXX XXXX XXXX, XXXX XXXX XXXX,. XXXX, XXXX, XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) 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 2023-08-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not the first time we have reached out about these accounts. 

I Noticed 2 errors, one was an account for XXXX, and the other was an Account for XXXX  XXXX on my credit report, and I knew they were not mine, so I called the FTC and filed an Identity Theft Complaint, and received a 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 2021-07-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about mid-year of XXXX, I became aware that Wells Fargo was attempting to foreclose on my mother 's home due to an unpaid mortgage in the amount of {$36000.00} in my name. The date of the loan transaction is list as XX/XX/XXXX, however, the recorded date of the mortgage is listed as XX/XX/XXXX. 

While trying to get an understanding and documents from Wells Fargo that could explain how this transaction took place without my knowledge, the bank continued to notify my mother about their intent to foreclose on her home. 

I reached out to a couple attorneys and acted on the advice to participated in a city sponsored mortgage retention program that stopped the foreclosure notices, and we were assigned a Housing Counselor, however, because I do not own the property and my mother is not a party to the debt the program wasn't able to assist in resolving the issue. 

To avoid any foreclosure process from resuming, I consulted with an attorney and elected to file a ChapterXXXX Bankruptcy, believing this would give me the protection from a foreclosure and the time I needed to track this mortgage from its origination date. Unfortunately, when I contacted Wells Fargo and requested the loan origination documents I was told they did not have my loan origination documents. 

Even thou this mortgage was in dispute ; Wells Fargo sold this mortgage to XXXX XXXX. Once that accrued, I was able to get documents issued by Wells Fargo 's Title Service instructing Wells Fargo they CAN NOT record a mortgage in my name without a DEED conveying the property to me. However, what Wells Fargo did instead of following their Title Service instructions, they edited the original mortgage by adding my mother 's name on the front page and added three ( 3 ) additions pages to the back of the mortgage and none of the edits were initialed by my mother or me.

This transaction is similar to if not the same as what the former CEO of Wells Fargo admitted to in front of Congress, where he stated bank employees created " Debt Instruments and Financial Obligations " in their depositor 's name without their knowledge.

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 2018-05-18
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX contacted me via XXXX XXXX XXXX XXXX , XXXX XXXX XXXX with a threat to get a judgement against me for a collection debt. Although I had no other communication previous to this, I contacted the agency to make arrangements to pay the debt. This was accepted by the XXXX XXXX via the attorney and the payment made in XX/XX/2018. To date, the company has failed to notify the credit bureaus that the account no longer has a balance. I disputed the item with the credit bureaus and XXXX XXXX continued to deny the account was paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To whom it my concern Thank you so much for helping me first. I think Citibank is violating banking laws and robbed my money. Here is what happened to me at Citibank. 

I opened a new checking account and a new saving account in XXXX 2022 at Citibank. 
Then I transferred total {$50000.00} dollars to my new checking account at Citibank from my own account at XXXX XXXX  and I transferred total {$10000.00} dollars to my new saving account at Citibank from my own account at XXXX XXXX XXXX. 

On XXXX2022, I received a written notice from Citibank that all my accounts, both checking and saving at Citibank are closed and I will get all the money back which is total {$60000.00} by check in mail with 30-60 days. The 60th day is XX/XX/2022. 

Today is XXXX2022, clearly the 60 days have already passed, and I didn't receive any money back till now. I called Citibank several times, they said the money on my account will not be given back to me and Citibank don't owe me any money. Citibank said the money does not belong to me anymore. 

Citibank said if I want to get my money back, the only solution is to go to XXXX and XXXX XXXX XXXX to file a claim and reverse the transaction because Citibank will not give me any money back. Then I went to XXXX and XXXX XXXXXXXX XXXX and told them what Citibank have told me. However, both XXXX and XXXX XXXX XXXXXXXX said all the transactions are valid since it is me who sent the money and all the transactions have been finalized and the Citibank has confirmed the money is received. All XXXX and XXXX XXXX  XXXX can do is to provide me bank statements which will proof the money sent out is my money. 

I am really hopeless right now since there is no way I can get my own hard earned money back from Citibank by myself. and I think I am robbed by Citibank. I have recored all the phone call with Citibank as evidence. And I have other evidence like my Citibank debit card, my Citibank account paper check, my Citibank account related email etc. 

Here are the dates and amount of the transaction for your reference. 
My XXXX XXXX  checking account to my Citibank checking account : ( XXXX ) on XXXXXXXX2022, {$25.00} dollars. 
( XXXX ) on XXXX2022, {$970.00} dollars. 
( XXXX ) on XXXX2022, {$1000.00} dollars. 
( XXXX ) on XX/XX/2022, {$25000.00} dollars. 
( XXXX ) on XX/XX/2022, {$23000.00} dollars. 
My XXXX XXXX XXXX checking account to my Citibank saving account : ( XXXX ) XX/XX/2022, {$10000.00} dollars. 

Thank you so much for helping me again! Hope to hear you back from you soon! 

Sincerely

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 2018-11-22
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:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

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 2019-07-18
Company: Experian Information Solutions Inc.
State: OH
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:
Contacted Experian and XXXX multiple times concerning XXXX XXXX. 
Experian stated they investigated claim but never initiated a dispute after stating they were investigating XXXX XXXX. XXXX XXXX admitted that I XXXX XXXX and my wife XXXX XXXX paid of account. XXXX XXXX is reporting false fraudulent information to XXXX XXXX and Experian and the to credit bureaus are allowing it because XXXX XXXX is a paying customer. This will be my last and final warning to Experian and Transunion concerning XXXX XXXX or I will be filing suit for violation of FCRa 609 611 612 616 as well as defamation. 
Ive given you time to investigate properly as stated in FCra now Im demanding a deletion. 
XXXX has deleted this account because they actually did a thorough investigation. Please see attached and no response we are lookinh into it no more stall tactics.

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 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There are two accounts reporting on my credit file that I was only an authorized user and I never asked to be. My ex husband put me on their without my knowledge and when I disputed the information the credit reporting agencies stated it was an individual account. I never opened nor signed for a XXXX XXXX /XXXX  account nor a XXXX XXXX account. All the bureaus did was report the information show it included under a bankruptcy but still have it listed under my name.

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