BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
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:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine CXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$120.00} Status Collection account. {$120.00} past due as of XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses 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

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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

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 2015-07-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I filed for a chapter XXXX as a result of my lender instituting foreclosure procedures. My home was scheduled to be foreclosed on at the courthouse steps on XXXX XXXX, 2015. As a result of the filing it halted all proceedings from debt collectors, attorneys etc. After informing by lender of this filing they asked me what where my intentions with the property and I informed them that I wanted to keep the property and just catch up the missed payments. The bank informed me that i couldnt pay what was owed because it showed that the home had been foreclosed on until the foreclosure status on my account had been removed I could n't pay on it, pay what was owed, do a workout option or anything to move forward. I was told that the sale had to be resended and then I could move forward. That was XX/XX/XXXX and now we are XX/XX/XXXX and we still can not move forward because it is currently showing that property was foreclosed on and it hasnt been removed from there system. I now owe more which is not fair making it more difficult to work out something with my lender and catch up due to internal operations and lack of due diligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have been contacting all three credit agencies for disputes with information being reported on my credit report for over a year now starting in XXXX of XXXX. I have also disputed incorrect account information with the original companies. Two accounts in particular have not been resolved, XXXX XXXX, and XXXX XXXX XXXX. I have sent in every single document required including proof of identity and documents to dispute these accounts and to date the only response I have ever received from all 3 agencies is the same generic response. I have only received emailed responses from XXXX stating my disputes are now open, we are working on your disputes and they should be completed by this date, your disputes are now closed. Every response is the same and they always result in the same thing stating, " The account has been verified as accurate however, the account may have been updated ''. From my initial dispute starting in XXXX of XXXX I received NO response from anyone. A second dispute was sent 2 months later and again no response. Demand letters were sent around XXXX and again the only response was the same listed above. I sent the attached dispute letter and all required documentation again asking for a complete investigation, proof of investigation, documentation, etc..and once again I got the same generic responses and nothing else from any of the agencies. They are violating the FCRA and have failed to comply with requests and complete thorough and factual investigations. Per the laws they should have removed the negative items disputed immediately after failing to respond within the 30 day time limit, and failing to respond several months after. The last dispute demand letter was sent in XX/XX/XXXX and the tracking numbers are, XXXX, XXXX, XXXX. These accounts need to be deleted immediately due to FCRA and law violations. Furthermore, I have never received any letters or response from XXXX XXXX XXXX as well. I only knew about the account due to checking my credit report. They are damaging my credit for the same XXXX Account that I have been disputing.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Home was wrongfully foreclosured on by Wells Fargo. 
I made payments, actually made over the amount due. Always have. 
May have missed payments XXXX  years ago but thought according to XXXX it was caught up. 
Every payment made was sent back to me by check in the mail! No certified letters, nothing. I didn't open so therefore haven't cashed the checks. 
First I heard was someone showed up at my door saying they purchased my house!

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 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
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 sales and Lease, violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX, Department of Education, Transunion Consumer, Transunion Interactive, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX reported to the Transunion that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights.

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 2023-01-19
Company: Experian Information Solutions Inc.
State: CA
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:
This is not my loan. This loan is 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 2022-05-17
Company: EQUIFAX, INC.
State: SC
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 contacted the bureaus inquiring about hard inquiries listed that i don't recognize, there hasn't been positive resolution after multiple attempts. 
also tried to remove inaccurate personal information with zero success

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I am involved in what has to be the longest re-finance of a loan ever!! I own a rental property and because of divorce, losing my job and the interest rate adjusting, I couldnt afford the payment so I applied to XXXX to refinance the loan instead of defaulting. This started in the middle of XXXX and was going along great when XXXX decided to sell the loan to SPS ( select portfolio servicing -approx XXXX ) -- this has to be the WORST company ever!!! I have been submitting the RMA since then monthly and have had to submit one section ( section XXXX ) no less than 9 times ( I am not kidding-I have the copies )!!!! I am supposed to have a relationship manager, XXXX, who never calls back or takes a week to call back -- why have one then?? Everytime I call I put in her ext. and it goes to someone else? Anyways, the problem with section XXXX is that this is a rental property and not my primary residence ( I am renting now ). I have had to send it on with the different boxes checked, my primary home address, mortgage payment and HOA payment -- did I mention I am renting now? Everytime I call there is a new customer service rep that says send it in this way after talking to underwriting and EVERYTIME when i call to see if they have received it, there is a problem??? I have asked to talk to underwriting numerous times but they dont take calls?? So here I am almost 2 years later and no closer to refinancing?? I just want to know if they are going to approve this or not so I can tell my tenants what they need to do, or if I can short sale it, or just have them foreclose on it?? At this point I am considering the later but really dont want to do that. I need help with this so called company and let me know if underwriting is ever going to get its act together and make a decision????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Williams & Fudge, Inc
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My loan was originally a federal student loan. I signed a promissory note for the loan and was released the funds to purchase books and other school supplies. The school XXXX XXXX XXXX XXXX XXXX, lost or misplaced the promissory note. I 'm assuming because the school lost the note, the gov't agency did not fund the loan therefore causing the school to be out of money. In an effort to get their funds recanted, the school rolled the federal loan into a private school loan ( XXXX for which i did not sign a promissory note ). The school is refusing to release transcripts or allow me to attend classes with an outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid the original creditor, XXXX, in FULL, receipt # XXXX in the amount of {$670.00}. Enhanced Recovery Company, located in XXXX, FL has refused to remove this from my credit report. I am in the middle of a mortgage that is about to expire. After repeated attempts to have them remove this, I keep getting the same answer, " will not delete. '' This has to come off my credit report through all XXXX bureaus, XXXX, XXXX and XXXX because they are reporting this inaccurately. They sent me an email yesterday stating they would report it to the credit bureaus as " Paid in Full. '' Unacceptable. XXXX recalled the debt and I paid them directly, NOT ERC. If they fail to remove this IMMEDIATELY and provide documentation that it will be done as it takes the credit bureaus weeks to remove, I will lose my {$170000.00} home. If they will not remove, I will escalate this to Federal court, and sue for pain, suffering and loss of my home over a {$670.00} PAID IN FULL bill through the original creditor. They do not own the account, XXXX DOES. Contract on my house expires in a week, I have already spent weeks working on this, and Enhanced recovery refuses to remove for a debt they do not own!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a XXXX email account where much of my personal business was transacted. Since XXXX of this year, if not sooner, I started to received fraudulent, hacked alerts for accounts utilizing my social Security number, name, address stated I have accounts and out money On XXXX/XXXX/2016 also have an inquiry from Capital One Bank. I have had this problem before and would like this inquiry removed from my consumer credit report as part of this anti-ID theft action I an taking to protect myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the evening of  XXXX   XXXX ,    2017  I was out with my wife for our wedding anniversary. I attempted to withdrawal money from an atm machine and was denied. I checked my balance and there was plenty of money. I tried several more times with no luck. I called my bank customer service ( too k over 30 minutes ) the service person said I was over my daily withdraw limit. I let her know that I have not  used my atm yet and it must be from the machines that were not letting me get money. She made some adjustment and I was able to get cash from the atm. The following morning  XXXX / XXXX /   17  I looked at my account and saw there was activity on my card from an atm machine earlier on the  XXXX . I called Bank of Am erica customer service again and let them know of the fraudulent atm activity. There was also one show ing for  XXXX / XXXX / 17 . Both of these withdraws were in different cities than all of my legitimate charges. I was informed that my card would be cancelled and they transferred me to the fraud department. I was on hold for  over 30 min utes and I had to hang up. The next morning  XXXX / XXXX / 17  I got on the phone again to file the full fraud information and again was on hold for o ver 30 m inutes and couldnt keep holding because I was at work. I then noticed that another atm withdrawal happend on  XXXX / XXXX / 17 . I was very unsure how this could happen if Bank of America cancelled the card. I ended up taking a day off and going into the bank office to file the case. After their investigation I was denied because they said I waited too long to file. When I argued that I have phone records fro m 3 straig ht days of trying to file the case the decided to reopen it. They have again denied coverage because they claim I knew of the charges because I accessed my online banking. When I asked how my card was turned back on the bank says that I called and said there was no fraud and to turn it back on. There is absolutely no common sense in this. Why would I call about fraud then call to turn it back on. These atm fraud withdrawals were made while the same card was being used in another city? How can the bank not have an alert for this. My card was never out of my possession.

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 monetary relief
Consumer complaint received 2017-10-26
Company: EQUIFAX, INC.
State: GA
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:
After a complaint to XXXX Mortgage about reporting my mortgage payments as late the mortgage company is now reporting that my mortgage loan account was modified. This reported information was and is not true. 

I applied for the mortgage assistance program in XXXX and was denied XXXX/XXXX/XXXX but In XXXX I again tried to apply for a loan modification that was denied on XXXX/XXXX/XXXX. 

There was nothing regarding any type of modification on my XXXX credit report or the XXXX report. The information is just now being reported by midland mortgage on my credit report after they had to do corrections regarding my payment dates In addition the {$70.00} from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX that I have been paying over the regular mortgage that midland had been charging back to me as a late fees has not been credited back to my account as additional principle or refunded back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: GREAT LAKES
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Just the beginning of this year I have received numerous emails from Great Lakes about my student loan is due. I have emailed them and called them letting them know I am still in school and have been since XXXX. Just today, XXXX XXXX, XXXX I received a letter stating my my forbearance has been approved and payments will start up again in XXXX. I have had this problem with them every year

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 'm only XXXX and never had an account in my name before and just found out that I have this collection on my report the do n't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Experian Information Solutions Inc.
State: NC
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 been disputing XXXX XXXX XXXX in the past and i finally got XXXX  to do a real investigation on XXXX XXXX at XXXX XXXX to see if it was a real company. the results came back that its absence of existence. this is considered a Phantom Debt, because the company that there claiming to collect a debt for is non existent. i would like this removed this from my credit report just like XXXX  has done with there investigation.

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 2021-01-26
Company: CMRE Financial Services, 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:
I received my credit reports on XXXX, Notice a negative report sent to collections for the amount of {$360.00}, ( if i hadn't request my credit report i would'nt never known about this ) also reported an unknown address in my credit report. 
I called XXXX to file dispute on XXXX, XXXX asked if i contacted the collection agency shown on report i said not yet, I figured call XXXX first ; XXXX suggested to me to give CMRE Financial service a call and let them know the situation. 
I called CMRE Finan Serv on XXXX and talk to a representative to file dispute on my behalf, I was told the SSN # they had matched my number, I told the CMRE representative the address shown on my credit report was not my address, That I've lived on the same address for over 40 yrs, I told the CMRE representative it was not me ; that it was not my bill ; that I never lived on the address shown in my report ; in XXXX Tx I never received any services on the location shown on my credit report ; XXXX XXXX XXXX, The CMRE representative mention was for services provided on XXXX for a Chest Ex-ray, again I said it's not me you have the wrong person. 
I called again talked to a CMRE representative on XXXX to ask for an update on my case, they said it was going to take some time didn't know how long ; case was still under investigation, CMRE representaive suggested i file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
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:
Wellsfargo placed me on forbearance without my consent. They damaged my credit twice. Never missed a payment. See attached credit screenshot.

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