BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-03
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
there was someone trying to open an account in my name from target corporation, which resulted in a inquiry from XXXX placed on my credit report. The company XXXX sent the information over asking Equifax to remove the inquiry. I am even the information over by certified mail, but Euifax refused to removed the inquiry. Equifax violated the fair reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
XXXX XXXX / XXXX Transfer of {$1500.00} was sent to the wrong phone number for rent payment. 

WRONG # : XXXX  XXXX XXXX CORRECT # : XXXX ) XXXX We contacted chase bank the same day when error was realized. They open a " attempt to recover '' claim due to customer error. 

We also contracted ; XXXX XXXX at phone number : XXXX ) XXXX He informed us that he contacted his bank ( Wells Fargo ) and informed them of the error and requested they send the money back to me. 

I have been in contract with the branch manager at wells fargo at the below address. This is the location the receiver of our funds also went in regarding the issue. 

XXXX XXXX XXXX, XXXX XXXX, CA XXXX Wells Fargo withdrawn the funds from the receivers account and has refused to give me any updates to date XXXX XXXX informed me that wells fargo closed their attempt to recover because wells fargo declined their attempt. They will no open another attempt to recover claim. 

Wells fargo provided me with a case number : CASE NUMBER : XXXX and their Faud Departments phone # : XXXX ) XXXX As of today XXXX Wells Fargo will not provide me with any information. They have declined providing me with proof of my funds being sent back to us and will not provide us with any resolution. 

We are currently facing an eviction due to us not having those funds to pay our rent in over 30 days. My boyfriend is out of work due to the COVID-19 pandemic. and we are struggling to survive due to this issue. 

We beg someone help us. Wells Fargo will not provide us with our money back even when they took it from the receiver.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My credit is being used inappropriately without my consent and against my XXXX XXXX by XXXX XXXX who somehow prove to these credit agencies they are not in error when it's reported that I am Full Faith In Credit and I have discharged my debt with my original mortgage company and don't hold or have a contract with any mortgage company furthermore all DEBTS AND INTEREST BELONG TO ME THE ENTITLEMENT HOLDER.

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 2016-08-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Wells Fargo. Wells Fargo had offered a program to oo offer a lower interest rate if I see a lower interest ; I called Wells Fargo, I was told I qualified for lower Interest rate. When I called, to find out why I was n't was n't contacted for the lower interest ... Well Fargo denied any record of me making a phone call for the special program to lower my interest rate I notice that each time I called Wells Fargo the representative knew my mortgage loan. Their computer identified me by my phone number and the Wells Fargo representative new my name and loan number. I believe Wells that Wells Fargo knowingly discriminated against 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 2020-04-03
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by a process server for XXXX county stating I was being legally notified that I would be served papers. They told me to contact their office at XXXX-XXXX-XXXX  to discuss the matter to prevent proceedings. When I called I spoke with XXXX XXXX who said that Barclays Juniper Bank was processing a lawsuit against me for debt from 2008. He had my name, SSN, address, phone number and relative information. He told me that he was notifying me that they were mediating the case to prevent legal proceedings. The original voicemail had identified themselves as process servers but he told me that they are not process servers, they are a debt consolidation and mediation firm called XXXX XXXX and directed me to a website XXXX. The website exists however there is no other information regarding this firm online anywhere. They also said that they would take payment for debt which I know process servers would not, but a debt collector would. They are falsely identifying themselves as process servers in order to trick consumers into paying off an old debt. The debt he was referring to was from 2008 from Barclays Juniper Bank. I have never received any written notification of this yet he had my correct address on file. He said he would have his supervisor contact me regarding my case.

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 2015-12-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax and XXXX both have misused and misidentified information reporting on my credit report. Transunion is the only agency which has blocked the identity theft items from appearing. I have submitted all necessary documents including Police report, identity theft affidavit, identification, summary of fraudulent items asking to block them per FCRA 605B, and credit report with items circled. I have submitted it at least 10 times in the past year to XXXX which fails to yield results and they do not notify me that they are refusing to block the information. Secondly, I have submitted the same documentation 76 different times via fax, online, and mail to Equifax. They have failed to notify me of any information. When calling Equifax , I asked to conference call one of the creditors. We did so and the creditor verified it was fraud and to remove it. Rather than removing it, Equifax placed items ONTO my credit report which were never mine. They are included at least XXXX inquiries which were over 2 years old and several accounts never belonging to me. They then claim that they investigated the matter and that they verified the information and will not remove it. Both Agencies treat it as a dispute taking 30 days rather than an identity theft block request which takes 4 days. Also, in XXXX instances, Equifax " completes '' their investigation in just 2 days saying they verified my social, name and Date of birth. This isnt possible and if it was too, it shows I was a victim of identity theft and of course they used MY information. Both Equifax and XXXX have failed on many occasions to address my concerns and I plan to file suit if it is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions 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:
My credit report fico score has mysteriously dissapeared, all my accounts are active and used. So theres no way one second my scores just are gone and Im not getting approved for anything now. I have great credit scores that are mysteriously gone. I had a legal name change but that shouldnt affect it

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 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 call transunion try to resolve an issue with my credit report and credit inquiry 's that I do not knowledge. The customer service was horrible I was getting cut off all the time when I wanted to ask or talk to the representive I after verifying my identity he instantly responded that he ca n't remove any inquiry 's or the collection on my report that I have not authorized. In addition the customer service did not want to help remove the inquiry 's and collection 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 2021-02-19
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Home Equity Loan with Regions Bank on XX/XX/XXXX XXXX 
The application process was absolutely brutal including not only submitting multiple years of tax returns and W-2 's and the expected application and financial disclosure forms but also federal tax information release forms, paystubs, bank account statements, rental agreements, property insurance forms, flood insurance forms, etc I also needed to go through two appraisal processes when the first appraisal estimated the square footage of my home at XXXX less than actual. 

After months of submitting information two weeks ago only a final form was needed which was the Flood Insurance certificate with my name on it. But while the insurance company was working on this the entire loan application was cancelled (! ) that's right, CANCELLED without a word of warning because apparently an application is cancelled once it is three months old (?! ) Now I am being asked to start completely over submitting the EXACT same documents that took months for me to submit and for Regions to review. To say that this process is 'not fair ' to consumers is an understatement.. this is literally consumer ABUSE. Please do not bail out this bank the next time they are bordering on bankruptcy.. they don't deserve the help and consumers don't deserve the abuse.

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 2022-09-12
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:
My credit report fico score has mysteriously dissapeared, all my accounts are active and used. So theres no way one second my scores just are gone and Im not getting approved for anything now. I have great credit scores that are mysteriously gone. I had a legal name change but that shouldnt affect it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report fico score has mysteriously dissapeared, all my accounts are active and used. So theres no way one second my scores just are gone and Im not getting approved for anything now. I have great credit scores that are mysteriously gone. I had a legal name change but that shouldnt affect it

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 2015-11-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I currently have a 30 year decreasing interest rate loan with Beneficial a member of the HSBC Group. I have had this loan since XXXX XXXX, 2005. Under the terms of the loan, my interest rate will decrease by one quarter percent annually if all payments are made on time during the year, which has always been the case. This was done automatically until 3 years ago. For the past three years on my anniversary date the interest rate has not been decreased until I call and write letters to have the issue resolved. Since this has happened for three consecutive years, I feel Beneficial is behaving in a fraudulent manner, hoping I will not hold them to the terms of the mortgage thus receiving a higher than entitled interest rate. I can mail you any paperwork you may need to assist you, I am unable to download anything on the computer. As of this date I am still waiting for the interest deduction after numerous telephone calls and registered letter. Beneficial says they are working on the problem. However, I make my payments on line biweekly and when trying to use their website I am locked out supposedly because they are making updates. Thus I feel they are trying to make me miss a payment so I am in violation of my contract so I can not receive the interest deduction. Please assist me in this matter so I do not have to repeatedly go through this process. XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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: Was not notified of investigation status or results

Complaint:
I sent a letter to Experian on XX/XX/2022 about an account from XXXX XXXX reporting an late balance. This is collection/charge off how can there be a late payment? This is a violation! They havent responded back and its been more than 30 days. A credit reporting agency are obligated to respond to my request, how can they just blatantly ignore me while Im trying so hard to fix my credit. Account # 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 explanation
Consumer complaint received 2020-04-03
Company: Rodenburg LLP
State: MN
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:
A company called XXXX XXXX XXXX in XXXX XXXX, MN took my XXXX/XXXX  XXXX  in XXXX for services that I never received from them. 
They also repeatedly charged my credit card {$200.00} and they did pay those back to me after I disputed with my credit card company. I did not know about the XXXX XXXX at this time. 

XXXX XXXX  sold this debt to XXXX XXXX XXXX. It was made as a judgement against me in XXXX, and showed up on one of my credit reports in XXXX. I contacted XXXX XXXX XXXX on XX/XX/XXXX and they said that Rodenburg Law Firm out of North Dakota was handling the account. 

So I called Rodenburg Law Firm and was forwarded to a voicemail for a XXXX at ext. # XXXX. She called me back, and I asked her to send literature on this account, as I believe I do not owe this debt. I received literature in the mail, and I have called and left countless voicemails. No one answers the phones, and no one returns my calls. I need this taken care of, as I am trying to close on a house, and this is preventing me to do so. 

There is an active judgement against me, that I do not agree with, and have disputed numerous times. XXXX XXXX XXXX agrees that I do not owe the debt. Yet after it has been sold and sold, I can not get a hold of anyone to remove it, or help me get this taken care of. If they are going to file something on me like this, they should make sure consumers are able to get in contact with someone to take care of it. I feel trapped. 

This is not fair, and I am filing a complaint against Rodenburg Law Firm, and XXXX XXXX XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: TekCollect Inc.
State: IL
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:
TekCollect is attempting to collect a debt that is not owed. This alleged debt is to a XXXX in XXXX Illinois. XXXX refuses to provide any invoices or evidence that these monies are owed, TekCollect has no evidence to support this alleged debt. 

Security deposit is owed to me for the apartment,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had asked Caliber Home Loans to be removed from e-statements and for them to mail me statements XX/XX/2016 because I would miss the e-statement emailed to me and accrued a late payment. They removed that late payment. Caliber Home Loans did not remove me from e-statements nor did they mail me a statement and I accrued another late payment penalty. I called again in XX/XX/XXXX requesting to be removed from e-statement and never receive a statement by mail. I called again in XX/XX/XXXX and explained how I have always paid in advance when I would receive my statement in the mail. Now this e-statement has messed up my payment history and wanted to receive statements by mail and asked to have my late fee waived. 
I have asked several times for it to be removed and Caliber Home Loans never did. My account shows me contacting them several times but with no response from Caliber Home Loans. I spoke to account representative and asked to speak with a manager. The account representative said that the manager was busy and would call me back. I have never received a call back from Caliber Home Loans. I asked for them to waive my late fee and they would not. I tried to pay my mortgage payment online but Caliber Home Loans would not allow me to make the mortgage payment without paying the late fee. So I mailed them a payment. Caliber Home Loans sent me a letter stating that my payment was posted to my suspense/unapplied funds account. What is that? How being late on two payments equal to a {$310.00} fee? Where in my mortgage does it state Caliber Home Loans can defer my mortgage payment to another account? How can Caliber Home Loans send me a letter but be negligent in sending me a statement in the mail?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint to you all dated XX/XX/2021 Im regards to Experian violating my rights in accordance to FCRA 611 ( a ). I requested a method of verification letter, supplied my Identification and other documents per usual and Experian responded back to you to provide things already supplied along with letter. At this point they are trying to prolong this instead of resolving. I provided my documentation along with identification with the initial letter. So tell my why do you need it AGAIN?? I demand a deletion of the bankruptcy. Do not allow them to get away with this. It is sending a message that its ok to to violate consumer rights. They were suppose to respond in 15 days. They received on XX/XX/2021. Just do the right thing and stop trying to prolong this.

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 2017-07-05
Company: Experian Information Solutions Inc.
State: KS
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:
All inquires on credit report are fraud i did not make these inquires please remove.

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 2020-04-03
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX / Zelle Transfer of {$1500.00} was sent to the wrong phone number for rent payment. 

ZELE CASE NUMBER : Zelle Case : XXXX WRONG # : XXXX ) XXXX CORRECT # : XXXX ) XXXX We contacted XXXX bank the same day when error was realized. They open a " attempt to recover '' claim due to customer error. 

We also contracted ; XXXX XXXX at phone number : XXXX ) XXXX He informed us that he contacted his bank ( XXXX XXXX ) and informed them of the error and requested they send the money back to me. I have been in contract with the branch manager at XXXX XXXX at the below address. This is the location the receiver of our funds also went in regarding the issue. XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX withdrawn the funds from the receivers account and has refused to give me any updates to date XXXX XXXX informed me that XXXX XXXX closed their attempt to recover because XXXX XXXX declined their attempt. They will no open another attempt to recover claim. 

XXXX XXXX provided me with a case number : CASE NUMBER : XXXX and their Faud Departments phone # : XXXX ) XXXX As of today XXXX XXXX XXXX will not provide me with any information. They have declined providing me with proof of my funds being sent back to us and will not provide us with any resolution. We are currently facing an eviction due to us not having those funds to pay our rent in over 30 days. My boyfriend is out of work due to the COVID-19 pandemic. and we are struggling to survive due to this issue. We beg someone help us. XXXX XXXX will not provide us with our money back even when they took it from the receiver.

Company response to consumer: Closed with explanation