BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When I spoke with Wells Fargo on XX/XX/XXXX they told me they had foreclosed on my home while I was in the middle of a refinance with a qualified co-signer. At that time they told me I had three options, One was to contact a Federal Program that Wells had declined to work with before, the second was to pay off the total amount I owed in arears, and lastly to re-apply for a modification with their re-entry department, which I did immediately on the phone Wells Fargo representative XXXX XXXX. 
XXXX informed me that all I needed to do was send them two pages of their modification application and that I would know within 3 days of their answer. 
In today 's mail, I received a letter from the XXXX County District Attorney about Foreclosure Fraud Alerts. I says that in fact my home was foreclosed on XX/XX/XXXX and that Wells can  not foreclose when I am in a modification process. 
Can I please get some help from this unscrupulous company who has refused to work with XXXX XXXX XXXX XXXX and XXXX even though I qualify for a modification, and they foreclosed on in the court, without notifying me, while I was in a modification process and all to short sell my property with over 600k in equity. 
Attached is the letter from the DA and my fax receipt of the modification papers with a stamped date. 
I am a XXXX woman with a XXXX child, please help.

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 2020-02-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is regarding an apartment lease. I elected to withhold rent because the property manager was unfairly charging late fees and utility fees. The issue went to Court in XXXX county Nevada. An offer was made for the full amount owed minus the fees, but the other party declined. The Court ordered me to vacate the property and for all parties to bear their own costs. That said, there is nothing owed to XXXX XXXX in this case although they have hired IQ Data as their collection agency. The collection agency has never furnished any itemized statements of the amount owed. Neither have they ever communicated in writing about the " outstanding debt. '' The collection agency has failed to abide by all the consumer laws required under the FDCA. As a result, I have suffered irreparable harm in the form of denied credit to continue my post-graduate degree, to refinance my car, and to obtain gainful employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: I.C. System, Inc.
State: MS
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 XXXX XXXX, I switched cell phone carriers from XXXX to XXXX. After becoming a XXXX customer, I was eligible for the switch promo XXXX was offering new customers. This meant that new customers could submit their final bill from former carrier and XXXX would allot for the payoff. I contacted XXXX several times for the final bill they never did comply. XXXX XXXX, 60 days past which made me ineligible for the switch promotion pay off. Of which time XXXX turns my account over to collections, ( I. C. System, inc. ), who begins reporting this account to all three credit bureaus and is currently still reporting. Again I contacted XXXX several times for final statement of my bill to submit to XXXX for payoff. XXXX never sent me a final document ; email or hard copy. XXXX has since dealt away with the matter. They 've received payment for turning the account over to the I. C. System collection agency, & I 'm now left with the negative reports against my credit through no fault of my own!!

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 2022-10-03
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I woke up in XX/XX/XXXX to a text asking about charges and I replied no. I looked into my bank and I saw all the charges, 18 totaling {$830.00}. I immediately cancelled my card and called chime to dispute. Chime responded via email that the charges werent fraudulent. Ive sent the police report, photo of text messages, everything and they still say not fraudulent. I have done all I know to do to get help and am getting no where. I have recorded all conversations with chime representatives, and notified them of the recording. All 4 representatives stated the charges looked fraudulent because they were originated in another country than the one I reside in. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspended that my identity had been compromised. I have many derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$0.00} XXXX XXXX/XXXX  XXXX {$490.00} XXXX XXXX   XXXX/XXXX  XXXX {$490.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$500.00} XXXX XXXX   XXXX {$1100.00} XXXX/XXXX XXXX   XXXX {$150.00} XXXX   XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$21000.00} BANKRUPTCY CHAPTER-DISCHARGED 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 2017-11-11
Company: Credit International Corporation
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This started from my landlord retaliating against us after we attempted to get the home energy efficient and we spoke with the Commerce Dept.. 
They contacted him. He 's a poor excuse of a landlord cuz upon move in he made me do all the cleaning. 
We got to the point of receiving a 2nd unlawful detainer, and we 're evicted XX/XX/XXXX then : A 3rd party collector gets involved, who made no attempts to contact me prior to the garnishment.!!! In XX/XX/XXXX I noticed that I was being garnished, I discovered that it was XXXX XXXX XXXX located out of XXXX. I sent a letter immediately for proof of the debt, validation & the amounts. It went unawnsered. I am frustrated because I 'm not able to get a statement to show the balance, payments and credits. The case # used is for a paid case. Previously, XXXX XXXX, was atty. of record and we took in a large cashiers check to pay the amount owing. We requested a copy of the receipt & copy of the check from XXXX office but have not gotten it yet. I did not get notified of the transfer to Credit International hearing or the wage garnishment. It appears that they sent my paperwork to a erroneous address. Furthermore, the garnishor has illegally withheld our personal items that we had in the garage and failed to return our last months deposit/security or a detailed statement. Please investigate this matter and determine if I overpaid this 2nd judgement. I pray that you will get the answers that I 've tried to obtain. 

Case # XXXX this is the correct case #. The case # XXXX had been paid except minor atty costs of {$300.00} approx. Otherwise on the XXXX XXXX day it would have showed all that 's owed to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: CT
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, US BKPT CT XXXX  XXXX XXXX ID # XXXX, DIVISION OF CHILD SUP XXXX  # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We already have a pending CFPB complaint that SPS has not responded to. In addition to that complaint, we are having issues with SPS now fabricating problems with our paperwork so that they can further delay our file. XXXX spoke with XXXX says need XXXX, need XXXX - did XXXX and submitted XXXX. XXXX with XXXX on XXXX - she confirmed XXXX and the " additional expenses ''. I sent in XXXX XXXX. Sent 1st lien approval on XXXX - resent to XXXX on XXXX while on the phone with him. No mention of needing XXXX. Sent in updated HUD XXXX due to SPS delays. XXXX with XXXX on XXXX - says still showing opened for a MOD review?! She was escalating the file on XXXX says we will have a reply in 48 hours. Called today - rep acts like there is no ESC, like file has never been sent to Investor and that no docs have been submitted. 

Today the escalations representative XXXX is telling me that they are still missing documents and that there is a pending counter offer. This has already been addressed - so now she says that although we used the SPS form we should have known to insert a signature and date on the pages of the XXXX that do not ask for it. I 'm not sure how we would know to do that or why they would n't put the signature block and date in there if that is what is required. 

I am now on the phone with a supervisor XXXX who says that was the wrong form ( although it was on their web site ) and that he will fax and e-mail me the form needed. That the previous rep was incorrect that we do not need to fabricate a section for a signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: FC HoldCo LLC
State: SC
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:
I financed a vehicle with Flagship Credit Acceptance in XXXX of XXXX. The vehicle was totaled in XXXX of XXXX. From XXXX until now I have been in contact with Flagship multiple times each month trying to work through the claims with insurance and GAP. Not once during any of these phone calls did any repress mention that there were two payments that needed to be paid that insurance and gap would not be covering. Today I spoke with them yet again after pulling my credit and finding that not only have they not applied the insurance and gap checks to my account ( they received and cashed the insurance check several months ago and the gap check last month ) so they are still showing a {$29000.00} balance but they are also showing multiple missed payments. I told the representative that I would pay the two payments that they are claiming I owe even after the settlements were received but that I would not accept all of these missed payments on my credit. I was told there is nothing that they can do. Today they claim to have sent a letter about still needing to make payments while they awaited the settlements, and although I have told them each phone over the past several months that they have my address wrong, no one ever updated it ( they continue to show the state as California and not South Carolina where I live ) so I have never received any correspondence from them. I am a XXXX XXXX veteran and was in the middle of getting a VA loan to purchase a home for my family and due to their erroneous reporting and refusal to make it right I am no longer able to.

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 2022-07-05
Company: EQUIFAX, INC.
State: NY
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 credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX  Opened XXXX. {$120.00} XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX RAN MY CREDIT TWICE IN ERROR! ONLY WAS TO SOFT INQUIRY.

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 2019-06-20
Company: EQUIFAX, 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:
On XX/XX/XXXX or XXXX th I received an email from XXXX XXXX that there was a hard inquiry on my report. It was XXXX. Since I did not contact the company to order their service I put off disputing the inquiry with Equifax till the weekend. The next night I receive a large box addressed to my maiden name I havent used in 18 years. It contained XXXX equipment. I immediately contacted XXXX and for the next two days was bounced between customer service reps, their supervisors and fraud. No one helped me at all or directed me how to fix the problem. By that Saturday morning I realized not only did I have equipment I didnt want but I also had a account with {$120.00} of charges this person signed me up for for two years. With absolutely no assistance from XXXX I notified XXXX so at least there could be a paper trail of  this. I filed a report last night online with identity theft.org ref # XXXX. I also put a freeze on Equifax running my credit. I will have to dispute the hard inquiry on Equifax as well. I am working 2 jobs so finding time to do all of this is hard yet important.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I logged into my USAA Checking account this past Sunday and saw a {$900.00} transaction through XXXX sent to someone named XXXX XXXX. I checked with my husband, the only other person on the account, and he did not authorize this. I reported it as fraudulent to USAA and USAA said that they had security logs to show it was not fraudulent. Neither my husband nor I know anyone by this name, and neither of us authorized {$900.00} to be sent to them. Anyone that would be able to get access to my USAA account would also have access to my email account since I log onto both accounts at work and at home from the same devices. If one account is compromised, then both accounts would be since they are linked. Since XXXX is a platform supported and provided by my bank for use, why should I be out the money that was taken from my by their program without my authorization?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
FTC VIOLATIONS he Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

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 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
While reviewing a copy of my Transunion report I noticed an unauthorized credit inquiry being reported. The company listed below should n't have been allowed to access my personal credit information or put a credit inquiry on my file because they did n't receive any type of authorization from me prior to doing so. XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX2016 ) I am requesting the above unauthorized inquiry be removed immediately from my credit report. Again, I did n't authorize any employed at the above company to make this inquiry or access my credit report. Please remove the inquiry from my report as pursuant to 15 U.S.C. 1681b Section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act that states a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit or insurance transaction that is not initiated by the consumer. This is a breach of my privacy. I sent a letter to the above company asking them to remove the inquiry and 60 days have passed with no response or action taken.

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 2017-07-07
Company: Experian Information Solutions Inc.
State: SC
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:
These hard inquires that were not authorized by me and need to be Immediately removed. I have contacted Experian by phone and sent numerous disputes regarding this inquires. Experian refuses to delete these unauthorized inquires off of my credit report. These unauthorized inquiries are keeping me from obtaining credit. My report contains credit inquiries that I never authorized. I request that the following inquiries be deleted immediately : XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX of XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. Please delete this inquires immediately from 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