BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, my husband and I submitted a loan application to Wells Fargo Bank so that we could get a prequalification to pursue purchase of a home in XXXX XXXX, LA. On XX/XX/XXXX, we were contacted by XXXX XXXX. We completed the application process, then request a Pre Approval letter for a home to make an offer. On XX/XX/2020 we received a " Preferred Buyer Letter '' from Mr. XXXX for {$170000.00}. Our offer was not accepted, so we continued to look. We We lost on several offers. We then asked for subsequent letters, the last one on XX/XX/2020 for {$250000.00}. On XX/XX/XXXX, based on this letter, we signed a purchase and sales agreement for a {$230000.00} home. We moved forward with our loan application. Our loan was then sent to XXXX XXXX a loan processors at Wells Fargo in XXXX. She never once returned a phone call. She only responded via email, asking for documents. We supplied everything asked for. If we had questions, we sent emails to her supervisor. No one EVER called us. No one EVER responded to an email. I contacted the main office of Wells Fargo several times asking for follow-up. On XX/XX/2020 with no explanation we were told our loan would not be funded. I called and emailed, and no one would explain. I wanted to know the factors so we could find another lender. 

I believe we are the victims of unfair lending practices by Wells Fargo. It appears they did not want to lend in a " redlined '' XXXX neighborhood in XXXX XXXX to an XXXX American buyer. Wells Fargo was deceptive, leading us to believe we were qualified for a home for {$230000.00} since we were given a higher prequalification. I am not sure they had any intention of assisting a XXXX, just checking a box that they performed outreach to us.

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 2021-11-27
Company: EQUIFAX, INC.
State: MI
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:
In the past I had a secured credit card with XXXX Bank. The card was eventually lost or stolen and charges were made on my behalf. The account was closed and reported as a charge off. Because the account was secured with {$250.00}, the balance of {$300.00} was reduced to {$58.00}. Although not responsible, I paid this balance in full. I contacted the creditor and asked for the account be updated correctly or removed completely as terms of our payment agreement to which they agreed. Months have gone by and they still report the account incorrectly per our agreement because it is still harming my credit. They continue to update this as a charge off. I would like the account to be removed completely from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had a XXXX phone bill and now a collection company has hit men out after me. Also the XXXX car loan is not accurate. The car is paid for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
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:
There is one account on my credit report that does not belong to me this is not my account I have not used signed or authorized this account I need this removed from my credit report!!! 

XXXX  - Account # XXXX XXXX XX/XX/2020 XXXX $ {$11000.00}

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 explanation
Consumer complaint received 2018-07-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This XXXX account # XXXX has been paid-in-full. XXXX is reporting the account as " Derogatory '' and in a " Payment Plan ''. Neither is true. This account is also " closed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
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 Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Exeter Finance Corp.
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 would like to get these Unauthorized Inquiries off of my XXXX credit report, Please 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 Customer service at XXXX would not help correct my file by deleting the unauthorized inquiries reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
Barclays Bank Delaware is reporting an account fraudulently obtained by another individual to 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 2019-10-23
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been a loan modification process with flagstar since XXXX of this year. I feel flagstar is stinging me along. I am two months behind and all im asking is to stop the late payments and put me on a repayment plan or lower my monthly payment amount. 

The last straw with them was on monday when i called because yet another letter comes stating my application is incomplete. 

I call and im told im missing documents that I clealry submitted on XX/XX/XXXX. 

Im fed up and dont know what to do

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 2018-09-19
Company: SYNCHRONY FINANCIAL
State: CA
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/2018 another person not being me applied for a credit card online to Creditor Name : XXXX XXXX XXXX. I received a letter from the creditor and I was informed that they would take care of the issue and remove the inquiry from all 3 bureaus. 
It has been more than 30 days and the inquiry is still reflecting on my credit report. By the way I was informed from creditor that the person who stole my identity input my information from Florida and I live in California,

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 2020-05-16
Company: EQUIFAX, 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:
I just received my credit report update by XXXX Report As Of XX/XX/XXXX. XXXX is still showing my legal name as my mother name XXXX XXXX on my consumer credit report and they have also added a collection account that was deleted from my consumer credit report back in XXXX XXXX XXXX XXXX and they also balance updated on XX/XX/XXXX. I never received a written letter from XXXX letting me know that this collection has been Reinserted back to my consumer credit report 5 days before or 5 days after letting me know that they were adding this collection back to my credit file. It took me over a year to get that account removed for improper misuse. Equifax has a name by XXXX XXXX XXXX and I guess with her credit file merged into my consumer-credit report. XXXX, Equifax, and XXXX have all damaged my credit. Under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of my credit information. I am also entitled to certain privacy rights concerning my credit information and protection from the misuse of my credit information. XXXX, Equifax, and XXXX have caused severity violation to my consumer credit report and have willfully violated its obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: GENWORTH FINANCIAL INC.
State: KS
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:
Because of a clerical error, our financial institution attempted to purchase insurance on our home on our behalf, which we did not agree to, causing a hard credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Car was towed illegally as a tactic used by landlord to force my family and I to break lease. As we've learned ( the hard way ), he has a reputation of using underhanded tactics like this. There was no posted information about towing and no advance warning, which are necessary to legally tow a vehicle in XXXX XXXX. The substantial discrepancy between prices mandated by XXXX XXXX MTA code ( XXXX XXXX XXXX ) and what I was " charged '', in addition to my confrontations with the tower, suggest that he may be in racket with this particular towing company. 

If we look to the SFMTA code, we see that for first offences its {$220.00} plus {$65.00} per day the car is on the tower 's lot. I was " charged '' for more days than it was actually on the lot, at some crazy rate inconsistent with SFMTA code, resulting in a whopping difference of {$400.00}, XXXX {$900.00} vs. ~ {$1300.00}. I had left for a week and a half long business trip ( which my landlord was aware of ) and almost immediately after I left the car was towed ( again without legally-required warning ). This wasn't some small, innocent error. 

When it comes to getting your car towed, you have no choice but to pay whatever they tell you to get your car out. No choice. Or else the price keeps going up and up. I knew this was an illegal tow and I quickly identified that I was being extorted when the tower presented me the bill, after having done extensive research beforehand. I confronted the tower about both the illegal tow and how he was clearly overcharging me and I was told " do you want the car out or not? '' I had no choice to pay, but pay I did. I considered paying cash but I remembered that my credit card issuer protects me against fraud like this. I paid with credit and when I got home, I immediately submitted a chargeback request for the full amount, briefly touching on some of these points to the extent I could with the bank 's limited interface. I identified the charge, told the bank I confronted the tower in person ( multiple times ), and awaited a favorable ruling. 

But checking my credit card account today, I see that the temporary credit the bank granted for the fraudulent charge has been removed. I am expected to pay the full amount. 

Anyone in my situation would agree this is utterly unacceptable, hence my pursuit of further consumer protection with you, the CFPB.

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 2018-04-05
Company: WELLS FARGO & COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I called the customer service line for XXXX/Wells Fargo XXXX XXXX . I noticed they had not processed my payment {$88.00} that I scheduled on XX/XX/XXXX that was due on XX/XX/XXXX that I scheduled for XX/XX/XXXX. My payment was for the full amount due. My balance was now {$110.00}. My payment was still in processing status on their side and not completed. This was my first billing cycle with them so I wanted to make sure everything was alright and was why I logged in the day after my payment was due to make sure everything processed okay. Their customer service agent named XXXX told me that eventually the late fee would be removed, but the interest charges would remain. I informed her that was illegal because I scheduled the payment on XX/XX/XXXX for the due date of XX/XX/XXXX on their web site and I paid on time. It was their processing time that was late. I was put on hold several times and after being put on hold multiple times she said no interest charges would be on my account, but as of now my account still has a balance of {$110.00} no time line was give to me of when my balance will be XXXX  out. I was given no confirmation number just that she would be checking on my account. No call back number no time frame. Just the word of an agent with the a credit card company that I no longer trust.

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 2018-09-19
Company: EQUIFAX, INC.
State: GA
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:
I applied for a credit card with XXXX on XX/XX/2018. I was denied and when I called back to see if they would reconsider the rep advised that they would give it another review with a manager and would NOT pull another credit report since they just recently pulled it. However, on XX/XX/2018 my credit was pulled again without my consent. The second pull should be dropped from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Please Help! 

My wife and I are in an open bankruptcy and have been paying off our debts for the last 4 years. We were very excited to hear recently are bankruptcy was going to be discharged. Going back to XXXX I was off work because of the Covid pandemic and was offered to put my payments in forbearance by Wells Fargo and they stated that during this forbearance time the payments we missed will be tacked on to the end of our loan. When we called in today to start making payments again they are now saying we have to pay the full amount now or we will have to go into foreclosure. They are asking for {$21000.00}. Can they do this? Will my wife and my XXXX little kids all of sudden become homeless now. I sent in numerous emails and waited countless hours on the phone with them and they said after I selected this option on  there website that I was approved. I wanted to be clear that this plan would just take our payments and put them to the back of the loan. Please help us! I'm sure we are not the only family going thru this with Wells Fargo and I really am scared of what is going to happen to us now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2019-06-10
Company: Davis and Goldmark, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They contacted my family members multiple times, and my employees telling them I was in debt and that they were gon na sue me. They call very early in the morning. My family has asked to be taken off their list and they receive phone calls daily.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: ERC
State: IL
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:
Due to the Coronavirus pandemic, we are now in receipt of your results.

On the onset, you stated and I quote ; We take compliance with all applicable state and federal laws very seriously. In this circumstance no contract with XXXX is required to validate the account.

We are a nation of laws. The misrepresentation of XXXX XXXX is egregious based on the fact that they only provided an alleged  ledger. XXXX provides a relation back theory to substantiate a dispute in this circumstance. 

Therefore, if CFPB refuses to compel XXXX XXXX, to turn over the material verification documents ; then I, demand that XXXX XXXX provide an application with my signature on it that  demonstrates myself seeking any form of financial help or credit from the original lender or the aforementioned downstream lender in order for them to properly validate that this account belongs to me. 

My records indicate that I have not received any such notices from XXXX XXXX to come to court in or around XX/XX/2017. 

Therewith, it appears that XXXX XXXX gained a judgment without prejudice, based on no appearance opposed to what XXXX XXXX alleged.

Addressing court records, I was never served a complaint or summons at any time. My dispute remains clear. This account was not initiated, nor an application signed by me, seeking any services.

Conclusively, provide me the controlling document in this dispute which is either contract or application with my signature on it, which sought credit from the parties listed herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: TX
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've made multiple complaints on the indivivudal bureau websites

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just found out Bank of America pulled my credit report. I have not applied for credit, held an account, or had a balance owing with this company for the better part of a decade. 

I do not have a balance owing. 
I have not applied for any new accounts. 
I am opted out of promotional lists. 
I did not give my permission or authorization. 
I just pulled my credit report and found out that they ran my credit on XX/XX/2016.

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 2017-12-20
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX bought a debt from XXXX the original amount with XXXX was a fraction of what the collection company XXXX XXXX XXXX XXXX is harassing me for now. I had worked with XXXX to reduce the amount they had inflated and began to negotiate a better payment plan. However they double backed on me and sold the debt to XXXX XXXX who has now increased the interest and is calling me and trying to serve me a court order. My research has shown me that they are not so above board and are even in bankruptcy. 

I am willing to make a deal to pay off the original amount, but not the over {$1200.00} they are asking for now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account is involved in litigation.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

This account has already been removed from my XXXX  and XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: General Motors Financial Company, Inc.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Due to COVID 19, I was out of work from XXXX XXXX mid XX/XX/2020, I called the GM financial and made them aware they delayed my payment by two months. I received a notice in XXXX that my account was past due, I called as if I could get another extension and was advised that they only extend by two months. Unfortunately, I was not at work and couldn't pay it. Now it is XXXX and I'm behind almost 30 days because they never granted the extension or acknowledged that people can still be out of work do to this pandemic. I called a few times to no avail. I even put in a complaint with the XXXX XXXX XXXX where GM financial sent me a copy of my agreement, which I am well aware of!

Company response to consumer: Closed with explanation