BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-10
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Was in the process of a loan modification with WELLS FARGO, submitted EVERYTHING they requested, but had to refax some material over and over again, because they stated they never got it. Making the process very long, and having to start over because I NEVER got the same person twice. Was NEVER directed to a representative to help me either. I was told the foreclosure had stopped while working on the remodification, only to be faxed a letter to my office on XXXX/XXXX/XXXX stating they needed the money ALL of it almost XXXX dollars by Wednesday. Wednesday morning a lady called my mother in law stating she needed to speak to my wife, and I was told if I could show proof we had the full amount everything would stop. We did that my father in law took the money out of his account and gifted it to my wife, ( sent notarized letter to them ) whos name is on the account, mine is not, but I was handling this remodification. That evening we sent proof of the cashiers check and the deposit ticket proving the money was in our account. They told me to LATE the sale took place. In shock, we asked how to go about buying it back. The lawyers office told me to shut up and walk away, Wells Fargo told me NOTHING I could do. Then next morning I spoke with someone in the loans department who told me I could do a RIGHT to RESCIND. First I was told of this, I immediately sent her XXXX XXXX everything she needed, again having to fax and refax several copies, but I did it, she said everything looked good. Would contact me on Tuesday. It is Thursday XXXX and nothing. I have OperationREACH trying to help, I have contacted XXXX lawyers to see if they can help. I was given a stall tactic and I was mislead and misinformed. I also have a copy of the SENATE BILL No. 361. I feel I have been treated unfairly, with my rights, my 14th amendment ignored as well. Please help me and my family keep our home. Its our XXXX!!! 
Thank you XXXX and XXXX XXXX Please contact me there is so much more to this nightmare.

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 2015-09-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
URGENT - SHERIFF SALE TOMORROW - XX/XX/2015Hi. I was fraudulently turned down on a loan modification. 
XXXX XXXX is investigating the problems but I just called and he did not pick up. 
His voicemail says he will return the call within 24 hours and by then my home will be sold under a Sheriff Sale. His phone number is XXXX x XXXX. 
Please call him. 
Three weeks ago, I got a call from Wells, Fargo Home Mortgage that my loan was denied because it was over {$720000.00}. I applied on XXXX/XXXX/15 for a loan modification with a loan over {$900000.00} ( Wells, Fargo knew this and sent me the paperwork ). 
I called to say " how could this happen? ". XXXX XXXX told me I was grandfathered for the XXXX loan but the reason I was turned down was I did not provide a profit and loss statement for my real estate company. I do n't have a real estate company and no one contacted me about this. They just want to get rid of my home! 
Then, XXXX XXXX sent me a letter stating that she wanted to help me, but it is to late due to the Sheriff Sale. How can this be? The bank can stop the sheriff sale anytime they want to do it by just calling their attorneys. 
Then I got a call from XXXX XXXX and he said he is investigating the whole matter but that was just last Thursday and the Sheriff Sale is tomorrow. I do n't know what is going on but this in not right. He must stop the sheriff sale so he has the time to investigate this matter ASAP & gt ; Please help me. Thank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX is illegally reporting a fraudulent account on my credit file. I made outreach to XXXX XXXX  and explained to them the the account was not mine and that I filed a police report. They explained to me that a XXXX credit card was opened in my name in 2015 which is not true as I have never applied nor used credit at XXXX. So, not only is there a fraudulent account reporting, the information is also inaccurate and outdated which is legally grounds for this account to be permanently deleted. Additionally, the furnisher sent me a copy of a bill that does not verify the account belongs to me. I reached out to Experian to explain my concern as I am in the purchasing process for buying my family a home and I have not heard back from them. I do plan to take legal action if this inaccurate data is not removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: TX
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:
On the date of XX/XX/2022 I disputed several inaccuracies on my report. All were removed, but two has come back & it's causing severe damage to my profile. According to the FCRA several of my rights have been violated. 
15 U.S.C.602A : States my right to privacy 15 U.S.C. 604A : States a consumer Reporting Agency can not furnish my information without my written consent. 
I did not give permission for any of these companies to furnish my 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 2020-03-06
Company: EQUIFAX, INC.
State: VA
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 have contacted these companies and advised them these charges don't belong to me, they are keeping my score down, an I cant refinance my home at the lowest rate. The company and info amounts are below. 

XXXX XXXX # XXXX {$1200.00} XXXX XXXX # XXXX {$0.00} XXXX  XXXX XXXX # XXXX {$100.00} XXXX XXXX XXXX # XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been with this mortgage company for 20 years the last year has been a real challenge due to covid and my XXXX XXXX I fell behind and has not payed for 1 year.I requested a modification and sent them all the required documents. I`m now able to handle the payment and sent them letter from XXXX XXXX XXXX XXXX XXXX XXXX which stated XXXX annual salary. Additionally I sent my social security statements from me and my wife which is {$2800.00} per month. My son XXXX XXXX has moved in to our house and I sent his W-2 which is {$160000.00} and will be contributing. I was denied a modification due to XXXX  score, and they claimed I had one in the past. True a trial modification was offered and I payed all trial payments. I was sent a modification and I freturned it to late. Rather than going in forclosure and then bankrupcy ( the easy way would for them to give me a realisic modification. My mortgage is XXXX underwater.The name of the mortgage company is SPECIALIZED LOAN SERVICING

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 2022-07-11
Company: Experian Information Solutions Inc.
State: OH
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, 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.

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 2022-07-11
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have paid the debt as of XX/XX/2022. On the same date, the collection agency reported that the debt was still owed. I am attaching all the documents to support that the payment has been made. I have included the document that illustrates the phone you can call to verify the money has been cashed. When I log into the collections agency 's website it also shows it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Experian Information Solutions Inc.
State: NV
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:
This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromising of my social security number, and identity theft.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Ive have submitted a ( 3 ) disputes on this matter to no avail, constantly reporting accounts of missed payments, and charge-offs As accurate when it is in included in bankruptcy XXXX  XXXX. Its affecting my life I was recently turned down for school for this the adverse letter specified that I have late accounts and charge offs

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 2022-07-11
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have paid the debt as of XX/XX/2022. On the same date, the collection agency reported that the debt was still owed. I am attaching all the documents to support that the payment has been made. I have included the document that illustrates the phone you can call to verify the money has been cashed. When I log into the collections agency 's website it also shows it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: ID Analytics, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In response to complaint XXXX : Sage stream continues to violate FCRA by continuing not to honor my mailed in request with documents proving my identity. this has been going on for 6 months. I submitted the documents that suitable to verify my identity. 
by certified mail certified mail # XXXX delivered and signed for on XX/XX/2020 certified mail # XXXX delivered and signed for on XX/XX/2020 SAGE STREAM 's failure to continuance to deny my request for security freeze and copy of consumer report, will lend to a filing of suit at a legal venue near me this will be my last request for them to honor my documentation or I can see them in court and a let a Judge decide on who was correct on suitability of documents. 

Northing in the FCRA says I must submit online and I will not be using online means to facilitate my 2 requests. 
I've submitted my two request via certified mail on 2 separate occasions the next certified mailing will be for legal remedy 4th and final request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
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 is missing that should be on the report

Complaint:
While I sought relief under XXXX  XXXX Bankruptcy filed inXX/XX/XXXX and XX/XX/XXXXin XXXX. The obligation with XXXX survives the discharge and since they reported prior to the BAnkruptcy, Bankruptcy code says they must report after the discharge since I am liable and paying this obligation. Mortgagees are treated differently and as secured loans iunder Chapter XXXX and continued to be paid outside the repayment plan. 

Mortgages arent discharged In Chapter XXXX, your liability on your mortgage is an exception to the discharge. 

The mortgage loan is not discharged as a personal obligation. 

And therefore, there is no legal bar to the servicer reporting your payments, and every danger should they not report. 

Heres the part of the Bankruptcy Code that excludes long term debt like your mortgage. 

Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due ; So, among the debts excepted from the Chapter XXXX discharge is a secured claim with a payment schedule that extends beyond the life of the Chapter XXXX plan. 

Servicers obligation to report Put simply, if a creditor reported to credit reporting agencies before the bankruptcy was filed, then there is an obligation to report after the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
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: Information is missing that should be on the report

Complaint:
XX/XX/XXXX My Moms Bankruptcy ended I noticed that XXXX XXXX was reporting during the bankruptcy that our Mortgage was 90 -180 Days late every month on on Both Credit reports (. ) in XXXX I received her Discharge and we sent letters to all 3 Bureaus XXXX, XXXX, Trans Union all 3 said they would contact XXXX XXXX doing business as XXXX XXXX XXXX upon contacting XXXX all 3 were told that they were reporting it right and it would stay that way, So I contacted XXXX XXXX and explained that it was illegal to report inaccurate information on credit reports and that I would seek legal remedy, Consumer Financial Protection Bureau was contacted sent all 3 credit reports and the complaint letter to 3 credit bureaus in XXXX, XXXX and now XXXX XXXX XXXX ( KNOWINGLY Deleted ) our Mortgage on our reports and so we could not show a mortgage history which would keep us from getting a loan from another bank? and would keep our credit score down so we could not qualify for any other loan? I have the documentation from the credit bureaus showing it was there in XX/XX/XXXX and before although it shows them reporting it late 90-180 days again that is illegal, so I filed several complaints and have tried to speak with them and have had them say time and time again that its correct and they are not changing it, Well in XXXX i received notices that they were reporting our information incorrect and they would fix it and they were sorry? I am going to sue XXXX XXXX for this as they have lied to a Congressmen 's office that checked into this as I am a Veteran, This has financially ruined us, we have gotten no loans with reasonable APR 's and We have paid more for all Purchases We still have not had fixed and now were forced to sell our property as we couldn't get a loan for the Mortgage that our report doesn't show.

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 2021-08-25
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 is missing that should be on the report

Complaint:
I filed chapter XXXX bankruptcy in XX/XX/XXXX in Florida 's Southern Bankruptcy Court. This information and the subseuqent Discharge in XX/XX/XXXX has been relayed to all Credit Reporting Agencies ( Equifax, XXXX  and XXXX  ). 

Equifax has no record of this on my file after repeated attemepts to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo has stolen {$270.00} from my business checking account in the terms of XXXX {$35.00} overdraft fees and XXXX {$12.00} overdraft fees and {$70.00} from personal checking account ... I never signed up for OD protection. 

Due to, what I believe to be an error by Arizona they levied my account and brought it to a balance of XXXX and the XXXX number Wells fArgo provided to handle the issue never had anyone pick up leaving me to use the internal messaging system. 

They saw that I, a XXXX XXXX Veteran XXXX XXXX XXXX XXXX who is XXXX ( from Arizona of course ), was in a tough spot financially and they took advantage by not responding to my messages with anything but " copy and paste '' responses asking me to call the line that never worked. 

I demand they return the {$270.00} immediately and also return the {$120.00} fee they charged me to have money withdrawed. 

XX/XX/XXXX XXXX withdrawal caused a {$35.00} fee XX/XX/XXXX a XXXX withdrawal caused ANOTHER {$35.00} fee On XX/XX/XXXX and XX/XX/XXXX they hit me {$35.00} both dates for the same {$250.00} attempt. 

This is unacceptable and I would like this to be documented formally so I may take additional legal action 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 and XXXX XXXX XXXX, among others.

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 2020-03-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/XXXX My Moms Bankruptcy ended I noticed that XXXX XXXX was reporting during the bankruptcy that our Mortgage was 90 -180 Days late every month on on Both Credit reports (. ) in XXXX I received her Discharge and we sent letters to all 3 Bureaus Equifax, XXXX, XXXX XXXX all 3 said they would contact XXXX XXXX doing business as XXXX XXXX XXXX upon contacting XXXX all 3 were told that they were reporting it right and it would stay that way, So I contacted XXXX XXXX and explained that it was illegal to report inaccurate information on credit reports and that I would seek legal remedy, Consumer Financial Protection Bureau was contacted sent all 3 credit reports and the complaint letter to 3 credit bureaus in XXXX, XXXX and now XXXX XXXX XXXX ( KNOWINGLY Deleted ) our Mortgage on our reports and so we could not show a mortgage history which would keep us from getting a loan from another bank? and would keep our credit score down so we could not qualify for any other loan? I have the documentation from the credit bureaus showing it was there in XX/XX/XXXX and before although it shows them reporting it late 90-180 days again that is illegal, so I filed several complaints and have tried to speak with them and have had them say time and time again that its correct and they are not changing it, Well in XXXX i received notices that they were reporting our information incorrect and they would fix it and they were sorry? I am going to sue XXXX XXXX for this as they have lied to a Congressmen 's office that checked into this as I am a Veteran, This has financially ruined us, we have gotten no loans with reasonable APR 's and We have paid more for all Purchases We still have not had fixed and now were forced to sell our property as we couldn't get a loan for the Mortgage that our report doesn't show.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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 XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation