BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
Company: WELLS FARGO & COMPANY
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have always made an effort to pay my mortgage on time. I have a FHA mortgage that I signed on XXXX of XXXX. Starting on XX/XX/XXXX I was placed on a non-paid medical leave. I immediately enrolled in my mortgage companies ' Wells Fargo Covid Payment Extension/Home Preservation Program . They provide forbearance for Covid-related medical financial hardships. I qualified. 

On XX/XX/XXXX I applied for the US Treasury funded/ Homeowner 's Assistance Program/RI Housing program to help me with my mortgage. I submitted my tax returns from XXXX and XXXX and I had no recent paystubs to submit because I've had no income since XX/XX/XXXX due to non-paid medical leave from work. As of yet I am still not back to work and my doctor has not released me to return to work. 

My complaint is that the US Treasury has funded RI Housing and Wells Fargo with this program for people just like me and want them to use the funds to please help me to bring my mortgage up to date. That has not happened. RI Housing is claiming that my application to the Homeowner Assistance Fund is being held up by Wells Fargo since XX/XX/XXXX when they tried to contact them. But Wells Fargo mortgage, on the other hand is saying, that as of XX/XX/XXXX no one from RI Housing XXXXXXXX has tried to contact them in regards to my Homeowner Assistance Fund application that I completed on XX/XX/XXXX through RI Housing  online application portal ( see documents attached below for proof ). 

As a result of this tug of war between RI Housing and Wells Fargo the Homeowner Assistance Fund in my state is running low and I may not reap the benefits of the program. The program is meant to target people exactly like me ( low-income Afro-latina homeowners ).

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 2020-03-11
Company: Credit Karma, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I created an ETF transfer from Credit Karma Savings to XXXX XXXX  XXXX. Recently, the wife and I had separated our Accounts from XXXX XXXX  so we had a new Savings Account Number. The account number we had on file with Credit Karma was still the old XXXX Savings account number. We did not realize this until after the transfer had taken place. I sent an email to Credit Karma explaining the error on XX/XX/2020 since they do not have a public phone number to call. I was sent a reply on XX/XX/2020 stating they were going to make contact with their " Bank of record '' to find out what will happen. I contacted XXXX XXXX  on XX/XX/2020 and they said typically with a failed ETF, it simply get 's routed back to the originating account. As of today, the funds have not appeared in my account. I attempted to email Credit Karma again on XX/XX/2020 but have not heard back from the " Bank of Record '' or heard back on my additional email. 

I found a phone number hidden in the financial documents for Credit Karma but it goes to a voicemail. Banking partner with Credit Karma is XXXX XXXX , XXXX I would provide you with my account number but according to their website " For your protection, we do not display your full savings account number nor routing numbers associated with your Credit Karma Savings account anywhere on the website or on your statements. Only the last four digits of your account number appear on your  statements. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
First, I 'm told by the bank contact provided that I will have an answer by XXXX XXXX. -- to the simple question I asked in XXXX. 

Then, I receive a notice that it will be XXXX XXXX. 

Today, I received a notice today that the bank will contact me sometime within 60 days. 

It took the bank TWO months to send a notice that they will respond sometime in the next TWO Months? What then? Another notice that the bank will take another 6 months to send another notice? 

This is not reasonable. The bank has the information -- they had it when the provided the work-out plan -- in XXXX XXXX and they had it when they sent the confirming paperwork in XXXX of XXXX and they had it when they sent the final paperwork in XXXX of XXXX. The bank is refusing to disclose essential financial information to me - the consumer. 

What purpose does it serve to not provide me with the proper, lawful disclosures of financial information? I did NOT ask to renegotiate or change anything -- I simply requested the specific numbers for principal, interest, insurance, and taxes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information

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 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information

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 2022-03-19
Company: Jon Barry and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
So, not too long ago I had a chance to pull a full credit analysis to do a check in on my credit and the only reason that I'm just now taking action is due to my address and number not being updated due to me relocating and the credit bureaus not properly making the change in time. When I did look at my report, to my surprise, I noticed I had 3 collection accounts from some company I've never heard of called XXXX Paragon Revenue Group that was opened in XX/XX/2021 for {$2000.00}, {$740.00}, & {$220.00} with the last balance update of XXXX that I do NOT recall and am not liable for. That's a total of {$2900.00} from a company I don't know or have never signed any agreement or contract with. I've NEVER received any notice pertaining to this alleged debt or that it was even reported and added to my credit. I never entered into any signed agreement or completed an original contract with them for this alleged debt. This situation is fraudulent and is a violation of my rights. This inaccurate collection is NOT mine and is doing nothing, but negatively impacting my credit score. I've filed a complaint with the XXXX  and have also mailed in documents asking them to validate debt and have no received a response, they also said they would remove their accounts from collections and they're still reporting to my credit report and affecting it negatively. My last resort if this can not be solved or fixed is to take legal action and speak with the attorney general and take it to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account with out written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Over the past 2 years I have submitted disputes to the organization and the credit bureau for reporting inaccurate information. XXXX XXXX continued to report inaccurate information to all 3 the credit buraus. After each dispute XXXX XXXX would come back and say the information they are reporting was accurate. In XXXX, Equifax deleted the account after a dispute due to the continuous inaccurate reporting from XXXX XXXX. I grew so tired of the back and forth between XXXX XXXX, and the credit bureaus I paid the car off early in XX/XX/XXXX and the account was closed. 
Today XX/XX/XXXX. I get a letter from Equifax indicating that XXXX XXXX requested to have the account reinserted into my credit XX/XX/XXXX. The account was reinserted as an open account with a {$5900.00} balance. My Equifax credit score took a hit for the reinsertion of an account with debt I don't actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 left my company 's employment in XX/XX/XXXX. At that time, my company supposedly deleted my name from the corporation and accordingly, from the corporate account with the American Express Company ( card # XXXX XXXX ). I was contacted by the AMEX in XXXX of XXXX, saying that the account was in arrears for 120 days. I explained that I was retired from the company on XX/XX/XXXX and had no idea that my name was still on the account or who made the charges that appeared on the bills. After some research, I was able to give them updated information on the persons now responsible for the debt. I was informed by AMEX that they could not by law, contact the corporation. I then learned that the account was canceled as was my personal AMEX card. I had been a personal cardholder since XXXX and never missed a payment, but they still questioned my veracity in the matter. After several phone calls to AMEX, I could not make any progress. In the mean time, AMEX reported the account to several credit score companies, which resulted in my credit score going down an average of XXXX points. I have submitted complaints to XXXX and XXXX XXXX, but there efforts have been feeble and ineffective. I seek to have my credit score restored and for AMEX to rescind their derogatory remarks no on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: MO
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 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 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 1681 s-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 2022-03-19
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: Personal information incorrect

Complaint:
I, the consumer, requested that personal information be removed from my consumer report showing incorrect spelling of names and unknown addresses. This request was received by the consumer reporting agency, TransUnion, file # XXXX on XX/XX/22 with proper documentation included. ( i.e. ID, Proof of Address ). The consumer reporting agency, Transunion, responded on XX/XX/22, with the opinion that they believed I did not send in the request and I may have used a third party. Along, will no personal information being updated. This is a violation of my rights per 15 USC 1681H ( a ) ( 1 ).

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 2022-07-14
Company: EQUIFAX, INC.
State: NY
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2017-07-26
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ON CREDIT REPORT FOR THE AMOUNT OF XXXX PLACED IN COLLECTION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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: Information belongs to someone else

Complaint:
FCRA Violation : credit accounts not mine XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2019-08-17
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I states in my loan modification agreement that I have 60 months to repay the escrow account. Specialized loan servicing changed the terms of an existing home loan with out my consent. They decided that 60 months was to long to pay back the Escrow shortage four months after acquiring the loan from XXXX XXXX XXXX. They increased the amount of my loan and told me that I short paid them even though i paid according to the agreement I had with the previous lender. I asked them to honor the terms and i was to that is not in their protocol and i would not be able to pay the amount back.

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 2022-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Beginning on XX/XX/2002 including today XX/XX/2002 I have had 22 phone calls from PORTFOLIORECOV. Most calls show from CA, but also one each from TX, ID, IN, NJ, WI, KY and IL They have never left a message nor have I ever received anything written as to why they are calling. My son and I who live here have no unpaid overdue debt. I suspect fraud. All calls have been to my home phone that is a land line and some appear to be ROBO. 
I have listed all the calls including date, phone number city and state called from on a note pad, but I don't know that that will help in this complaint. I can send them, if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: NY
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 ( account # XXXX ) Have violated my rights. 

15 U.S.C. 1681 section 602H states I have the right to privacy.

15 U.S.C. 1681 section 604H section 2. States a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This afternoon I attempted to contact Renton Collections over the phone to find out additional information about a collection account they were reporting with the original company " XXXX Inc ''. I suspect it may have been a medical item that should have been covered by my insurance. After verifying the account number on the credit report, my DOB and my address, the representative refused to speak with me because I would not provide my Social Security number over the phone. A XXXX representative got on the phone, then said he was going to put that I was refusing to identify myself and said he 'd transfer me to a supervisor so I could " talk about my feelings '' and was dismissive about my concern and need to address the issue on my credit. He was clearly intending to upset me any way possible, while not providing any additional information about the debt on my credit report. The supervisor ( XXXX XXXX I believe was the name ) was incredibly rude, would not assist me even after I provided my DOB again and informed her I had provided both the account number and the address. When I tried to explain the situation about how the other representatives would not assist me even with the requested information, said she would put me on hold and I could hang up whenever I 'd like. I identified myself, with the exception of not providing my Social, a practice that help prevent identity fraud. I do n't have sufficient information to get this resolved, so I have tried calling XXXX directly, but their billing department was closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation