BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I purchased a XXXX XXXX XXXX off the lot. During the purchase I was guaranteed that XXXX would lower my interest rate after 6 consecutive months of on time payments. 3 years later and nothing. I 've called and got the run around. Gone to the dealership and they say I have to call. The bigger issue is a late payment they reported about 2 years ago that was their fault because my bank said they did n't pull the payment out. I 've asked to have it removed since it was n't late and the money was there as well as my branch manager confirming how the transactions always occur monthly. It 's not fair to continue to carry a negative that does n't belong to me.

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 2017-08-21
Company: DISCOVER BANK
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Discover Bank Complaint CFPB # XXXX Over two months have passed since I contacted Discover Bank and informed them that every time I logged on to the site, I received the notification that I would have to complete a few items that would only take a few minutes before I could access my account. When I tried to comply, I received this message : TECHNICAL DIFFICULTIES We were unable to complete your request. We regret there was a problem on our end. Please try again later or contact Online Banking Customer Service at XXXX. As of this date, XXXX XXXX, XXXX, I am still receiving this message!! Then, in early XXXX, when I logged into the Discover Bank web site, and tried to access my account, I noticed that my user name was shown as I wanted it to do but when I clicked on the password block, a notification asked if I wanted to use my Discover Card password to access my account, I clicked on it and gained access to my account. Anyone with access to my computer could gain access to my account without knowing the password!! Alarmed, I again contacted Discover Bank and was directed to their web support department to get the matter corrected. I followed the employees instructions to accomplish this and when I tried to use my computer I found that all of my information entered for the various programs had been wiped out. I could not use my computer for two days before I had the problems corrected. They could not have XXXX things up any worse if they tried.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: U.S. BANCORP
State: IA
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 was told by us bank credit card that i was under covid 19 with them. i was under the understanding of covid protected your credit score with no negative report and payment was differed or ok not to be paid. well come to find out that all their covid was to prevent late fees. the lady I've been dealing with for at least three months said she has no idea how us bank is reporting account to credit bureu. never was there anything mentioned about this being reported as a missed payment now that I've found out what they have done it has destroyed my credit. this is wrong and misleading info that they give on the phone. this is no help and these people that work their lie about they know nothing about how these covid cases are handled and reported to the bereu

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 2020-08-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The below accounts do not belong to me please remove them from all three credit reporting agency 's. They are stopping me from providing for my family and stopping me from buying a home. I have never done business with this company. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$220.00}

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 2016-05-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo postures that they are in favor of keeping people in their homes. As per their website they participate in the federal government 's Home Affordable Modification Program where they " help keep people in their homes when facing a significant hardship '' where the borrower is " allowed to make lower payments. '' They offer " mortgage assistance events '' and state " we are here to help you. '' ASC recently assigned to me my own new " home preservation specialist '' there to offer " mortgage assistance ''. In XX/XX/XXXX as per their annual report, Wells Fargo " adjusted loan terms, lowered rates or reduced principal ( or a combination of the XXXX ) '' and " forgave XXXX in principal ( by far the industry leader. '' And in XX/XX/XXXX annual report Wells Fargo claims to have " forgiven more than XXXX in mortgage principal '' and hosted " more than XXXX home preservation events. " That is a stark contrast of what Wells Fargo recently did to my mortgage. In XXXX XXXX, Wells Fargo increased my total mortgage payment from {$4000.00} to {$5500.00} - an increase of {$1400.00}. This is a fixed rate loan of 7 % which is high to begin with. That is a whopping XXXX percent increase on a monthly payment. They increase escrow from XXXX to XXXX a whopping XXXX percent increase. Taxes and insurance did n't double in the last year. What they also did was increase the payoff portion of the loan by {$18000.00} a year and are sucking the equity out of the property and placing it into the " overdue payment '' portion of the loan. 
Wells Fargo is acting in bad faith here. They claim their goal is to keep people in their homes by participating in HAMP, offering home preservation events, assigning home preservation specialists and claiming to reduce XXXX in principal. The reality is they increased my monthly payment by XXXX percent, increased escrow by XXXX % and are adding {$18000.00} a year to my payoff amount each year even though taxes and insurance have not doubled. They are acting in bad faith here. They profess to perform actions to keep people in their homes but they increased payments and payoff amounts making it more difficult to make payments or refinance assuring that people will lose their homes. The CFPB recently found " The XXXX companies about which the CFPB received the most mortgage-related complaints between XXXX XXXX to XXXX XXXX were Wells Fargo, XXXX XXXX XXXX, XXXX, and XXXX XXXX. '' Wells Fargo 's antics are in bad faith. From jacking up payments to more than doubling escrow amounts to increasing payment by {$18000.00} is disgraceful and is counter to " keeping people in their homes. ''

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 2022-07-26
Company: EQUIFAX, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: EOS Holdings, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Approximately once a month or more frequently, I receive a recorded message on my answering machine stating, " This is a message from EOS CCA. This is an important call about a debt collection. Please call XXXX. '' I do not have any late or unpaid debt at the moment, so I believe these phone calls to be fraud activity and illegal. I have researched this company online, and it has a history of fraudulent and illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: WELLS FARGO & COMPANY
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2016 at XXXX a Treasurer of the XXXX XXXX XXXX of XXXX, MA received an email requesting the wiring of {$3600.00}. The email looked like it came from the XXXX President due to the return email address matching that of the XXXX President and the signature in the text. The email was actually a fraudulent email and the XXXX President had not sent it. 
Believing the funds were needed for a XXXX project, the Board Member went ahead and wired the money to a XXXX XXXX XXXX with an account held at Wells Fargo Bank, XXXX XXXX XXXX, XXXX, MS XXXX at XXXX on XXXX XXXX. 
Several hours after the transfer was complete, the Board Member realized that this was a fraudulent email and notified and filed a report with the XXXX Police Department. 
XXXX was already closed, so the Board Member was unable to contact them until the morning of XXXX XXXX. 
On XXXX XXXX at XXXX XXXX sent Wells Fargo a service request to let them know about the fraud. 
Wells Fargo responded at XXXX EST that the service request had been received. 
At XXXX EST on XXXX XXXX, {$3200.00} of the {$3600.00} was withdrawn in person at the Wells Fargo Bank on XXXX XXXX XXXX in XXXX, MS . 

Wells Fargo, in communication with the Detective on the case, noted that they did not begin the process to put a hold on the account until XXXX XXXX. This is 24 hours after they were notified of the fraudulent activity. 
Additional funds were removed from the account through XXXX XXXX. Thus, the account was not put on hold on XXXX XXXX as stated by Wells Fargo. 

Wells Fargo notified XXXX that no funds were available for return on XXXX XXXX, even though the remainder of the funds, in the amount of {$450.00}, continued to be withdrawn from the account through XXXX XXXX. 

We have documentation from Wells Fargo and XXXX that supports all the above 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 explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
During sometime back in XXXX of XXXX I believe I became a victim of identity theft. Someone may have stolen all of my personal information and from that point they began to open up credit cards and receive financial assistance in my name without my acknowledgement! All this was going on without my knowledge for a total of about 6 years. On about XX/XX/XXXX I decided to apply for and open up credit accounts for myself and this is when I found out that I was a victim of identity theft. I immediately contacted all three credit bureaus and reported the fraud. I sent in all needed documents to verify that it was not me. I have also blocked anything from my report without my knowledge. The accounts are listed as XXXXXXXX XXXX XXXX {$1000.00}, XXXX XXXX {$1100.00}, XXXX XXXX  XXXX {$12000.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX  XXXX {$500.00}

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 non-monetary relief
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted a total of three disputes to Experian ( dates : XX/XX/2020, XX/XX/2020, XX/XX/2020 ) Experian has refused to do an investigation into my disputes. After I have provided all the necessary supporting documents and proper identification. 
They are now in violation of FCRA Sections 616, 617, 609, 611 and 605B.

When I attempt to call, no one answers and an operator gives me  prompted choices that has nothing to do with my concerns. If I do not chose any of the options the operator hangs up on me. At this point, Experian has continued this willful and negligent noncompliance and I am submitting this complaint to the Consumer Financial Protection Bureau to investigate their practices further.

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 2020-08-04
Company: AMERICAN HONDA FINANCE CORP
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: Account status incorrect

Complaint:
I am reaching out to you in regards to an issue with account # XXXX. It is of great concern to me and I havent been able to get it resolved with customer service. 

There is a late payment showing up on the account for the month of XX/XX/2020. 

I am the kind who pays bills promptly and timely. In all my years of credit history, XXXX included, Ive had all payments paid on time and in an orderly fashion. 
As I am a busy man, I hired a bookkeeper many years ago. She has been taking care of all my bills, payments and so on and so forth. 

I was very surprised to see this late payment show up on my report. My bookkeeper claims she hasnt received a statement for that payment and was still setting up the payment plan as this is a new lease, and therefore didnt know of a payment due. 

It really upset me. This is my account yet I heavily relied on her making the payments, as shes been doing for years. Please understand the situation here as this was way out of my control. The bookkeeper is at fault here and she claims she knew nothing of the payment due. I cant do anything else at this point, other than reach out to you. 

I will be extra cautious in the future to make sure something of the like doesnt happen again. 

My credit report is otherwise clean. This late stands out and is affecting my credit negatively. I am trying to get a mortgage loan right now and it is impossible to do so with this mark on my report. It must be deleted. 

I turn to you to please remove the late from my account. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: NE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I went through the pre-approval process at a local jeweler to see the amount of a loan I could get approved through Wells Fargo for an engagement ring. Neither the paperwork or the jeweler ever mentioned opening an account with Wells Fargo, and I left the jewelry store that day without making a purchase and without ever speaking with Wells Fargo to open the account. About a month later, I received a credit score that mentioned I had a line of credit that had been open for about a month. While I was confused at the time, it sounds very similar to what has happened with many consumers that have been scammed by Wells Fargo. At the time, I called Wells Fargo to close the account and clear up the confusion - and even mentioned that the account was opened without my knowledge. The representative on the phone said there was nothing they could do to clear the account off of my record. I did not come to the realization until reading further into the scam that I was definitely victimized by Wells Fargo, and they did not take steps to correct the mistake and have not reached back out to me.

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 2022-01-24
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I submitted my property tax record showing that the tax exemption for being 100 % disable veteran was in effect. I recieved an automated email stating I would get a response in 7-10 business days. I called Flagstar on the 10th business day when I had not received a response. The individual on the phone told me they would not be running a escrow analysis on my account since it was so close to tax payouts and that the form I submited was not valid because it listed my tax amount a " N/A '' instead of " 0 ''. I called my county office to get a document showing zero and the tax office said they could not produce that. In there system we are exempt from the taxes and that reflects as N/A. I don't know how to get these tax withholdings taken off of my account. I purchased this home in XXXX  and have now spent 6 months battling with the bank to take off the property taxes. 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 2019-12-31
Company: Experian Information Solutions Inc.
State: MN
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:
In early XXXX I was notified by a credit monitoring company that a fraudulent loan was taken out in my name. After several correspondences with the bank, XXXX XXXX XXXX XXXX XXXX, MN, we resolved that this activity was fraudulent. This conclusion was established on XX/XX/XXXX. Immediately, I began working through each of the credit bureaus, establishing Security Freezes and Fraud Alerts on my account. 

After easy and quick success with the first two agencies, I attempted to reach Experian. My first phone call on XX/XX/XXXX reached an answering service, since it was after business hours. 

When attempting to log in to my account, my password was not accepted. 
When attempting to reset my password, the password reset was sent to an email that I did not recognize. 
I have attempted to reach Experian on numerous additional times : XX/XX/XXXX - attempted phone call - was on hold for over an hour, then was hung up upon. 
XX/XX/XXXX - attempted several phone calls - was on hold for over four hours, then was hung up upon. Called the business office technical support line to reset my password and was denied. At this point, my account has been in the hands of a criminal for several weeks, with no way to reach a human at Experian able to assist me with reclaiming my account.

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