BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This complaint is about a Wells Fargo credit card account. My account was just closed yesterday out of blue. When I called Wells Fargo, I was told it is due to inactivity of 6 months. Funny thing is I found out about the closure when I try to activate a new replacement card of this account that Wells Fargo sent out to me a few days ago. 

The question now is first of all, Wells Fargo has never informed us as customer that the credit card would be closed due to inactivity of 6 months. We as customer wo n't have a chance to make use of the card and keep the account open. Second of all, in fact, this account has been in inactive status for about 12 months. So if they are closing card due to 6 months of inactivity, why are they closing my account now at 12 months? And why are they even sending out the replacement card for this account? 

This closure without any notice is definitely going to hurt my credit score, as it shortens  my average credit history and my available total credit line.

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 2022-03-06
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I have filed a dispute letter to all 3 credit buruaus XXXX, Experian, XXXX to validate alleged debts on my consumer file. they Have failed to show me evidence bearing my original signature in a timely manner. They have failed to comply with their own policies a timely manner

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 2022-03-06
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I have filed a dispute letter to all 3 credit buruaus XXXX, XXXX, Equifax to validate alleged debts on my consumer file. they Have failed to show me evidence bearing my original signature in a timely manner. They have failed to comply with their own policies a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: EQUIFAX, 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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
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: Information belongs to someone else

Complaint:
These aren't mine ... please remove them.

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 2021-09-01
Company: Aspen Yo LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a homeowner who is in the XXXX field and due to COVID-19 I was working limited hours and only recently have we started to pick up hours almost back to normal. I am a single parent so there is one income at this point as well. I began the forbearance period in XX/XX/XXXX although I continued paying the mortgage until XX/XX/XXXX then with cut hours not coming back I stopped making payments due to the uncertainty of what the future holds. I spoke to my then servicer XXXX XXXX and they discussed future options with paying it back, they defer payments but I would owe my escrow. I spoke to XXXX at XXXX XXXX on XX/XX/XXXX at XXXX XXXX  to discuss my process to pay back and at that point I was told I owe {$5100.00} in escrow and then my regular payment would resume on XXXX XXXX. This was very fair. I filled out my loan modification package and emailed it back to XXXX XXXX. As I was waiting for a response from Loan Care I received a letter from XXXX XXXX saying I was sold to Gregory Funding as of XX/XX/XXXX. I called Gregory Funding many times to reach out and see how to begin payments. Each time I called I was told they don't have any information yet. Finally, I spoke to a XXXX [ forgot the date ] she mentioned that I should pay the now {$7500.00} escrow before they do an escrow analysis to avoid their escrow department calculating that into my monthly payment and it would go way up. Then, I spoke to XXXX on XX/XX/XXXX I wanted to get the exact escrow amount to pay and how I would pay it and should I also pay the XXXX payment. She advised me to not pay the escrow yet because if I had limited funds I may need that as a down payment after my mortgage was modified because they do not participate in deferral programs. She did recommend that I pay {$640.00} to at least make the XX/XX/XXXX payment complete. At this point I have no idea what to do it is impossible to get in touch with the company, each time I call there are 100+ calls they must take [ they have an automated voice that counts down ] if you leave a call back number they do not call back. In addition, I am basically told something different each time. I was also told a loan officer would reach out to me at some point to review my modification form that was forwarded from XXXX XXXX but I'm afraid that whatever payment option I do at this point it may hurt me financially and I'm very uncertain as to what step to take. A letter also came that said my mortgage was {$250000.00} before COVID-19 and now it's {$280000.00}. Where did the {$30000.00} come from if the idea of a forbearance was that interest would not be tacked on you were supposed to be deferred. Can this company change the deferment at this point or was it fair for XXXX XXXX to sell me to another company in the end of a forbearance before the exit was planned? Any help or direction would be greatly appreciated. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
It was denying my application for credit card from Chase Bank I have saving account and checking account How that was receiving credit card from different bank and the credit company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DOVENMUEHLE MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: ResidentCollect, 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: Old information reappears or never goes away

Complaint:
Innovative Recovery Inc is reporting a collection account to all 3 credit companies in the amount of {$840.00} this is not my account I have been disputing this account for a long time. I need written confirmation that this is my account. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
This USAA FSB account # XXXX is Paid-in-Full and Closed.  However, XXXX  CRA and XXXX  CRA continue to incorrectly report as Open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim with Wells Fargo concerning an unauthorized check deposited to my account from a location where I was nowhere near. Money was withdrawn from that account in the amounts of {$2000.00} and {$500.00} on XXXX. I called Wells Fargo to report this and I received a resolution on a claim about the deposited check but not about the 2 transactions mentioned above. They have now closed the account and I have tried to find out more information from customer service but they refuse to help me without a reference number that I did not receive in the mail.

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 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The following accounts do not belong to me. They are falsely reporting under my name. I have filed an FTC complaint and also with law enforcement. My next step is a civil suit against all 3 bureaus. 

-XXXX XXXX XXXX {$0.00} Balance Opened XX/XX/XXXX -XXXX  {$0.00} Balance Opened XX/XX/XXXX Inquiries : 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 non-monetary relief
Consumer complaint received 2021-10-17
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Has re-dated a debt from XXXX to make it appear as if I acquired the debt in XXXX. I did not live in XXXX on XXXX the XXXX, XXXX, and could not have incurred an obligation to the cities water services. See pages 41 and 42 of attachment I submitted a complaint with XXXX via XXXX XXXX, but nothing was fixed or removed. 

My understanding is changing the date on debt is illegal. 

Thank you for your assistance! 
Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
To whom it XXXX concern, My finance company Flagship Credit Acceptance is using an illegal forwarding company that is based out of XXXX and has no business license in the state of california to operate. XXXX XXXX is the company and XXXX is the owner. 

My car was repossessed in XX/XX/XXXX by XXXX XXXX and XXXX XXXX, they both came into my underground parking illegally and lied about where they picked my vehicle up from. To this day XXXX is still operating out of California illegally. I received a settlement from XXXX XXXX and XXXX XXXX, I wanted to make the CFPB aware of this and the practices of Flagship Credit Acceptance and XXXX XXXX along with their partnership. 

XXXX from XXXX XXXX showed up XXXX on XX/XX/XXXX just before covid. He took pictures and i asked " am I going to get visit from Flagship concerning my vehicle, XXXX assured me I would not. This was the 2nd time XXXX XXXX has come to my place and made contact before or after the CFPB time frame. 

I received a phone call on XX/XX/XXXX at XXXX From Flagship and I am in the state of California and this is the 2nd time this has happened with Flagship. The last time Flagship blocked me from making any contact with them please insure they do not do this again when they are investigating.

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 2017-11-08
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
I have started to monitor my credit report and noticed hard inquires on my report that I did not authorize. I have contacted the companies and the credit bureaus with no success and no help. The inquiries below should not be appearing on my credit file. I never gave verbal or written permission to these companies to run my credit. I have been a victim of identity theft in the past. 

XXXX pulled my credit report on XX/XX/XXXX XXXX pulled my credit file on XX/XX/XXXX,  XX/XX/XXXX and XX/XX/XXXX XXXX pulled my credit on XX/XX/XXXX XXXX pulled my credit file on XX/XX/XXXX XXXX XXXX pulled my credit file 3 times on XX/XX/XXXX XXXX  pulled my credit on XX/XX/XXXXXXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: AZ
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX and Transunion are continuing to report duplicate account that have been paid in full and should not show 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 2017-11-08
Company: EQUIFAX, INC.
State: IN
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:
An account reporting as a collection and open is reflecting on all three major credit reporting agencies with a balance of {$840.00} as of XXXX2017. This account did not derive from a consumer credit transaction, contract, or agreement and should not be listed on my credit report as a collection. I have not received any communication on such said overpayment. Per the Attorney General is upward of 31 states including my State Indiana, debts that do no derive from consumer credit transactions should not be reported to CRA ( credit reporting agencies ). XXXX Equifax, & XXXX are all three violating my rights by reporting these transactions. In addition the contact phone number for this account that is reflected on my report is a non working XXXX number XXXX that does not provide any further contact number to reach the listed account information provider ( Dept of Veteran Affairs )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
One Main Financial Debt collector calls me many times throughout the day. I have told them I can not talk because I am working. They call back within the next 15 minutes. I revive about 8-12phone calls a day between XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
XXXX and XXXX are reporting duplicate accounts for the same account that has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to get a loan modification with our VA loan for over 8 months. 

Carrington just keeps sending letters asking for the same thing over and over and over again. We get letters that say our review is closed out and then another asking for documents.

We are also trying to work with Carrington through our housing counselor and mediation but no one from Carrington seems to care. 

It seems like a game they are playing with my family. 

We can afford to pay our mortgage. Our finances have really stabilized. 

We sent a lot of new documents today. 

Carrington already has from previous submissions since XX/XX/XXXX over 7 months : Numerous Letters of explanations for deposits, amounts & differing from statements VA award letter and proof XX/XX/XXXX, XX/XX/XXXX Child support order proof has been submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Paystubs have been submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bank statements have been submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Numerous closed review letters have been sent. Not one time has the beneficiary responded when questioned why the review keeps being closed out. 
Closed review XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My husband died in XXXX. He never owned a mobile phone nor did he ever have an account with XXXX. I have moved since my husband 's death, hold title to my residence in my name alone and have a private telephone number in my name. I recently received a telephone call asking to speak to my deceased husband. I informed the caller of his death. The caller asked for a copy of his death certificate. I asked the caller who they were and what business they worked with. They replied, " ERC. '' Since I had never heard of this company I stated that I would not send a copy of his death certificate and discontinued the conversation. I then received a letter from ERC, dated XX/XX/XXXX, that stated that my husband owed XXXX {$1100.00} but that the account could be settled for {$780.00}. To my knowledge no Judgment has ever been entered against my dead husband. I am not aware of any attempt by XXXX to inform my deceased husband that he owed money on an account with them. The letter went on to state that objection to its content had to be submitted by the end of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Maury Cobb, Attorney at Law, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
V original contract between myself and XXXX States the following, By 4 lines for {$XXXX} extra line for {$XXXX} a month a limited talk unlimited text unlimited Internet. 
Account was closed on XX/XX/XXXX all bills then paid attachment bill and receipts. 
But I have notice to cancel all services On XX/XX/XXXX Stated and lost monthly bill statement. 
Cancelation shows under current charges total monthly bill for XXXX was XXXX Attach is a copy of the bill and receipt as stated shows Cancel next bill highlights. 
Received another statement for the most of XXXX shows {$75.00} per line a total amount of XXXX For a Canceled service. 
Contacted XXXX to resolve the subject they do not have a collection of the account. 
I was harassed by several collection agencies to collect a debt For a service I canceled 2 months prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Good Afternoon, I bank with Wells Fargo and have no protection whatsoever on my checking account. An individual sent me money via XXXX XXXX. The individual went to his bank after sending the money and opened a fraud claim. The individuals bank approved the claim and took {$150.00} from XXXX XXXX, and then XXXX XXXX turned around and withdrew {$150.00} from my account. There was no notice of any kind from Wells Fargo. XXXX XXXX just helped themselves to my account as if it were their account. Where is the protection?? Why can a third party just have unlimited access to my account? That is inappropriate and when filing a dispute, I was told that I would not get my money back. Please note that Wells Fargo does not even investigate!

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