BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-09
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was sold to Shellpoint by XXXX on XX/XX/XXXX, since that time I haven't missed a payment and have tried to setup an agreement which will place my loan in good standing status. However, I was told I dont qualify for loan assistance. My loan is technically a two months behind but, only one of the months is reportable to the credit bureau. I dont understand why this company continually sends me demand letters for questionable payments related to issues with XXXX XXXX  that date back to XXXX. I feel as though i'm being harassed by Shellpoint and wish someone could help me. I suffer from XXXX  XXXX and their treatment toward me is making my life a difficult. The representative are rude, insensitive and borderline disrepectful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. XXXX/XXXX/Experian -- Failed to correct my credit score.  REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is more than 4 years old as if it is new is illegal. Hence the reason the attorney general is now involved. My score should be restored!! XXXX  XXXX - Regarding account XXXX. The account was opened in XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XX/XX/XXXX. However, XXXX XXXX, RE-AGED the debt and is reporting it as if the account is still open. The detriment to my credit report for this illegal act was a loss of many points.

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 2017-10-26
Company: EQUIFAX, INC.
State: VA
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 have multiple inquiries on my credit report. I have wrote the company and disputed it with Equifax and it still remains. I would not continue to have my credit report ran by a company that I did not give authorization to do so. I have asked for proof of my signature and requesting to have the company stop putting hard inquiries on my credit report that is not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I recently have reviewed my credit reports and show an inaccurate account being reported to my credit file by XXXX, XXXX, and Trans Union. The 3 credit bureaus XXXX XXXX and Transunion have failed to comply to a dispute and investigation in a timely manner. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that are posted on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to Trans Union. 

Account Name : XXXX Acct # 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 2021-11-22
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Venmo has frozen my account and I have a balance in the account. Ive sent all of the documents there were needed as they asked. Its been frozen for XXXX weeks. The holidays are here and they are holding my money. I just want them to please look into my account and please release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: CarMax, 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: Account status incorrect

Complaint:
this company is stating that i had a late payment when i did not i tried to explain to them that they must have mistake with their system and that i always made my payments on time and my bank even stated to me that the payment was taken from my account in time and that it was not their fault. this company has refused to fix the situation even after numerous attempts. This is a violation of the FCRA all information must be truthful and accurate at all times and if not then this company can face possible fines and penalties in which i will seek for all of the complications i have had to go through to fix this problem they must show proof that it was my fault that the payment was ever late i paid them on time and they took the money but still put a negative remark on my credit which has impacted me negatively which is against the law. They state that my payment was late XXXX XXXX in which it could of very well been a problem with their systems due to corona related issues in once again you cant penalize a person if something happens because of a National Disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: CITY NATIONAL BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I requested to close my City National Bank Crystal Visa credit card in mid-XXXX by phone. I followed up by email. Yet the card is still open and will be subject to a high annual fee when the next cardmember anniversary arrives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
this company is stating that i had a late payment when i did not i tried to explain to them that they must have mistake with their system and that i always made my payments on time and my bank even stated to me that the payment was taken from my account in time and that it was not their fault. this company has refused to fix the situation even after numerous attempts. This is a violation of the FCRA all information must be truthful and accurate at all times and if not then this company can face possible fines and penalties in which i will seek for all of the complications i have had to go through to fix this problem they must show proof that it was my fault that the payment was ever late i paid them on time and they took the money but still put a negative remark on my credit which has impacted me negatively which is against the law. They state that my payment was late XX/XX/XXXX in which it could of very well been a problem with their systems due to corona related issues in once again you cant penalize a person if something happens because of a National Disaster.

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 2017-10-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/14-we sent Ocwen {$5000.00} ; arrears were at this time {$8800.00}. Ocwen stated that unless we had the total amount they would not accept any amount, but they took the {$5000.00} ; and did not return it. We ask for a repayment plan ; they said no! But when the loan go to be XXXX, they came up with a ridiculous repayment that was more than our monthly income behind. We asked how can you offer a repayment when the loan was $ XXXX and not offer it when the loan repayment would have been affordable? Ocwen had not answer. We ask for a modification ; Ocwen drug that process along numerous months to the point that it was unaffordable. It was {$30.00} over the allowed government amount for assistance? This was trickery on their part because how can you say you wo n't accept anything less than the total arrears and then you took the XXXX and then would n't offer a repayment plan? it was a set up for failure. Ocwen says helping homeowners is what we do. Hurting homeowners is what they did. Ocwen lied and misled ; took our money, but stated they would n't take anything less than the arrears. Ocwen could have easily fixed this, but foreclosure is what they seemed to be aiming for from the beginning. This is right..double tongued and lied, but yet they still took our money and would n't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fair Collections & Outsourcing is attempting to collect an invalid debt that is not mine from XX/XX/2016 based off of a previous apartment lease. I have tried to dispute this but FCO refuses to validate the debt correctly and claims what they have is sufficient even though there is not sufficient evidence present. XXXX XXXX attempted to collectcharges from me based on the itemized list sent to me for carpet and vinyl replacement 3 months after my lease had already expired and the apartment was already being rented to another tenant. In addition I received no letter from XXXXstating these charges until Fair Collections and Outsourcing sent me the first collection notice. Also, the document that Fair Collections & Outsourcing sent me is a copy of the lease agreement however there is no legal signature present. On the bottom of the document it states it was executed via e-signature however FCO was unable to provide me a copy of the original document with a valid signature.

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 2020-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2015-06-27
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Other

Complaint:
I purchased a XXXX Enlightening mattress set. Six months after the purchase date the left side of the mattress started sinking at  least XXXX inches EVERY NIGHT! My wife has to reach "up a hill" every night to hug me. She has XXXX problems because the middle sinks lower than the top and foot of the bed on that side - EVERY NIGHT!!!
XXXX sent out a "bed checker." He pressed the bed in for a few seconds - took his handy ruler and proceeded to submit a report. We received a letter stating "the mattress is contouring to the shape of your body." Really - so sinking into "the panels" is to be expected? 
It is absolutely ridiculous to think that a legitimate complaint about a XXXX product could be taken so lightly. The fact that this product is impacting my wife's health  - who is a XXXX is truly worrisome. The bed was supposed to aid in increasing our well being and not in diminishing it. Every morning my wife has to pull herself out of the bed as if she is struggling from an abyss. XXXX This bed is a MENACE!!! We have more aches and pains with this new bed than we did with our 10 year old mattress. This is the worst product we have ever purchased!!! EVER!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This situation is not over until I get paid, I love how WELLS FARGO sends fraud proof to consumerfinance.gov thinking they can take my rights away, I HAVE PROOF OF THEIR illegal activity and the fact they would not call me to talk about this they sent some shady mail to me that was full of worthless repent and even proved I am right, there are many many issues other ones I can right here as I have not enough room. I was hoping WELLS FARGO would have come its sense and realize that it 's calling ME, the card holder, the consumer and customer a liar. But in essence, knowing full well all the issue we had with identity theft and precautions we need to now take, and knowing full well WELLS FARGO made well over {$350.00} just in 3 months of over 12 months I had the card. I did not complain about the {$10.00} atm charge you charged me every time I used the card or your high interest rates. And I was never late once with my bill. Not to mention I can show with phone records and emails how many times I had to call in to WELLS FARGO to handle simple small issues over and over and over again. I can promise you as well over two hours a week was spent dealing with issues that I was told once I signed the forms would be handled. And they never did, they always came back. As well I also There were several disputes on the card that were active when WELLS FARGO closed the card down. And oddly the card just so happened to equal {$1000.00} which was my deposit. 

I have lost four times over with every company, not only not caring of my extreme identity theft issues, but taking advantage of our situation when we paid our bills and we stayed in contact with each company every issues doing whatever company policies were, but in the end, those things never mattered either. 

So, I let all those issues go, all those many many many issues. And I told you guys I was willing work with you, but you, again, WELLS FARGO has found a way to call the consumer who took the time to call right away when there was an issue on the card, a liar. So, I your customer, lied to you about the {$200.00} ATM dispute in XXXX. Cause what you told me was the MERCHANT saw me take the money of the machine. Well let me rectify this again for you, and I Will not discuss other disputes again, I am simply going go over this XXXX ATM at roughly XXXX at a convenient store located across from XXXX, next to XXXX XXXX -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my loan XXXX with ASC america servicing company, i tried to remodify in 2013, i had hard time finding a job, i made payments XXXX XXXX XXXX 2013 then i found out that XXXX sent a credit of {$70000.00} to the IRS who is demanding me to pay taxes on that amount. they denied my remodification application twice, they claim i have reached the limit in remodification application and have no right for appeal anymore. 
i want to stay in the house i told them and i asked them many times that they accept monthly payments, they refused and demand that i pay all the back pay which is close to or more than XXXX $ which i do not have right now. 
my number is XXXX XXXX XXXX or XXXX XXXX XXXXthank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: VA
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 submitted a complaint to all three credit bureaus. I also submitted a police report of identity theft. They made no effort to eradicate the items off of my report even with proof of 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 2017-09-21
Company: Experian Information Solutions Inc.
State: AL
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:
This complaint involves Experian Credit Bureau. On XX/XX/XXXX  thru a credit application with XXXX XXXX, Experian reported I have serious delinquency, length of time accounts have been established, and too few accounts currently paid as agreed. Thru Experian 's website, I pulled my credit report. Of all accounts, opened and closed, there are NO delinquent accounts. The length of time of accounts is rated excellent to the average of over 6 years old. Next, all accounts have been paid on time, over 240 payments have been made on time and up to date. On XX/XX/XXXX, Experian reported to XXXX XXXX XXXX that I have serious delinquency, too many consumer finance company accounts, too many accounts with balances, and too many inquiries within the last 12 months. Again, no accounts are delinquent. I have 1 finance company account with XXXX. The 2 accounts with XXXX are my 2 student loan accounts, and the 1 account with XXXX XXXX is a parent plus student loan for my son. Experian may think I have too many inquiries because I keep getting turned down for credit because of their fraudulent information they continue to report against me. Last, I think I have 8 accounts with balances. My total debt is around {$25.00} thousand. My income per year is around {$72000.00}, so I can afford my current debt. Experian does n't list any of my accounts that are delinquent, not paid as agreed, amounts that I owe, etc. I 've file several complaints about the same issues I 'm stating. I 've even talked to the dispute department with Experian. We went thru my credit report together, and he could not give me a reason why this fraudulent information continues to show up on my credit applications.

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 2022-05-13
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I obtained a copy of my credit report and discovered incorrect information, including late payments when I am not actually late on this 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 explanation
Consumer complaint received 2021-11-14
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive worked with XXXX and National Credit Adjusters, the collection agency. It was paid in full XX/XX/2020 but remains on my credit as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently wrote and sent out dispute letter. I 've notarized, and certified by mail sent to Diversified Consultants, Inc. And I received the letter by mail and Diversified Consultants , Inc. refused to deleted inaccurate off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I tried to open an account with Chase Bank a while back at that time they said the only thing that I qualified for was a Chase Liquid account which is a pre-paid account. I waited until I got my credit somewhat ok and tried online, at that time I was told that I needed to go in a branch, before I could make it to the branch I got a letter in the mail saying that they denied me because I have too many accounts. However I don't have any bad relationships with any of those banks.Then I received an offer to open a business account. I figured I can do my business account and have my personal at the same bank and close out one of  my other accounts. Not leaving a bad relationship just moving on. Well I was able to open my business account online. I was told I could open a personal but I needed to go to the branch so that's what I did, 2 days later they closed my account due to usual activity. The only thing I did was XXXX {$25.00} from one account to this one and set up my direct deposit from my job. They have no reason to close my account.

Company response to consumer: Closed with explanation