BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX # XXXXProperty : XXXX XXXX XXXX, XXXX XXXX, NY XXXXHi, my name is XXXX XXXX, and I work at the Law Office of XXXX XXXX XXXX. The reason for the complaint is due to we have been in process of a Loan modification since XXXX 2013 with Wells Fargo, and received a negative notice against the Loan. The file was removed from Litigation and Settlement conferences, making us negotiate directly with the bank. We summited a complete Loan modification Package on XXXX 2013. Due to Litigation, the file was delayed for nearly a year and a half, and now we got denied for Wrong Income usage. We appeal the decision made, and Wells Fargo claim the correct income was used to calculate the Loan Modification, which it does n't even match the income that was include on the RMA with evidence of this income. We have complied with every request as far as a Loan Mod docs, and we have provided more than enough evidence to support the income. 
The HO was paying a monthly expenses to do a P & L statement for his personal income, he invested over $ XXXX/month executing P & L statement due to accounting charges, with an end result of a denial. 
HO really wants to keep the property, we need Wells Fargo to make the changes in the income used, and provide the HO with the Loan Modification which was Applied. 
We want to placed a complaint against Wells Fargo for not providing the right opportunity for HO

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Found out in my credit report that I have some trying to collect a dept bill that I dont know in the amount of {$1800.00} on XX/XX/2022 by XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ran a credit check and a XXXX  loan was on my report. I have never taken, received or applied for a XXXX  loan.

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 2019-05-14
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:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 2 and 3 of the attached credit report. ) This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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: CAPITAL ONE FINANCIAL CORPORATION
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: Personal information incorrect

Complaint:
I was the victim of the inquiry issue with XXXX  they not responding to me customer service refuse to take care of it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: WELLS FARGO & COMPANY
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A fraudulent checking account has been opened in my name and was used to take a loan out from a XXXXXXXX loan company that I had a previous relationship with. I talked with Wells Fargo, with whom the account was started, and they have begun an investigation and said I did my due diligence.

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 2022-07-20
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XXXX of 2022, I have been attempting to get this erroneous information deleted from my credit report with XXXX that is appearing TWICE. The amount is {$150.00}, and I have demanded verifications and investigations repeatedly, only to receive generic responses that this debt has been proven to belong to me. I have demanded information to include the original creditor, their name/address/phone number, the account number, and amount owed, the date it was transferred to them, a copy of the written agreement, and information ( name/address/phone ) of the person that verified this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Bank of America credit card information was stolen and I do n't know when. But my card was charged overseas in the amount of {$60000.00} plus starting in XXXX, 2016. I have been talking with BOA since then and at first they credited my account but then they said I have to pay these charges. I have never been to these countries in my life so I am not sure how this information was stolen. I have all my corespondence with BOA and was wondering if you can guide me in some direction.

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 2020-03-16
Company: HW Holding, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2015, my attorney wrote Hunter Warfield a letter of representation regarding HW 's efforts to collect an illegal debt and requested that it cease and desist further collection efforts and remove negative information from the 3 credit bureaus. The letter was faxed, mailed and emailed to three people at Hunter Warfield and XXXX XXXX XXXX. The debt was not validated per my attorney 's request. My attorney and I never heard another word from this creditor. It was assumed this matter was disposed of. I recently received a notice from XXXX of this derogatory reporting.

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 2022-03-24
Company: WELLS FARGO & COMPANY
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX AC 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-03-16
Company: Avadyne Health Holdings, Inc
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
H & R Collections # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Receivables Performance Management, LLC
State: CO
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:
On XX/XX/2021, the company Receivables Performance, a collection company flagged my credit report for collection. The alledged amount is XXXX. The alledged creditor is XXXX. 
On XXXX, I opened a Fraud/Identity theft case with Receivables Performance.I advised this company, I have no knowledge of this account, that I have never conducted business w XXXX and requested documentation supporting this alledged account to be sent to me. I was advised by Receivables Performance that a letter will be sent to me, detailing how to initiate a fraud investigation. Fraud report # XXXX was opened. I was advised not to contact XXXX. 
On XXXX, at XXXX, I initiated a phone call to XXXX. I spoke to XXXX a XXXX representative. I advised XXXX that this account was not opened by me and requested additional info. XXXX advised me that he has had similar calls and situations as this. XXXX researched the alledged account, cells phones in XXXX XXXX ( i reside in XXXX ) and the cell phones had zero usage. 
XXXX advised me XXXX will be submitting a report to remove the finding, credut reporting. XXXX advised me to contact XXXX  and advise them of 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 2021-04-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Money on hold for 180 days per paypal. 
The account email is XXXX and the Account name and holder is XXXX XXXX XXXX which is also me, the phone number registed to the account is mine, the email registered to the account is also mine, the money was donated through XXXX as a donation to an account named XXXX, which can also be tracked. Just give me my money, I don't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CMG MORTGAGE, INC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recieved an email from my Mortgage Lender ( CMG Financial ) that my forbearance plan is in effect since XX/XX/2021 as approved with consultant from HUD Counselor over the phone. 

While on XX/XX/XXXX I contacted CMG Financial and asked them why they were still reporting my credit and they notified that my forbearance plan ended which was done without my consent I called again on XX/XX/2021 they reinstated that my forbearance is effective. 

I feel its not fair to be reporting my credit especially if my forbearance plan was in effect since 2021, I want to emphasize that I am protected under the CARES Act and this should not be reported to my credit. 

Thank you for you time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Greetings, Thanks For taking the time out for reading my notice. I have sent Numerous notices to Equifax, XXXX, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I used one of the cash back deals from Bank of America ( BOA ) that requires me to spend 2x {$15.00} at XXXX to get {$75.00} dollar cash back. After fulfilling that requirement within required dates, BOA is denying me the cash back. I have attached my proof of purchase at XXXX and the exact terms listed in the offer for reference. Terms part 2 is from opening the link from second to last sentence of terms part 1

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 2017-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I submitted a dispute with court documentation about a collection agency on my report called XXXX XXXX XXXX over 30 days ago, and I have not received a response from all 3 credit bureau 's.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX and Navient debt collection agency is harrassing me at my work, and my bosses via personal cell phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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 belongs to someone else

Complaint:
I had been living in my home for the last 20 years and when the owner decided he was going to sell I had to pull my credit apartment search when I saw all these inquiries and credit cards medical bills ect on my credit profile and a XXXX Florida address come up I have never ever lived in XXXX Florida but my ex boyfriend does so I did a XXXX search on the address and XXXX image and his XXXX XXXX XXXX picture came up so I think he rented his house in my name and gave my info to others he hates me and has been tounting me for years I have no actual proof but I did contact police.

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 2022-03-25
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 belongs to someone else

Complaint:
I had been living in my home for the last 20 years and when the owner decided he was going to sell I had to pull my credit apartment search when I saw all these inquiries and credit cards medical bills ect on my credit profile and a XXXX Florida address come up I have never ever lived in XXXX Florida but my ex boyfriend does so I did a XXXX search on the address and XXXX image and his XXXX XXXX XXXX XXXX came up so I think he rented his house in my name and gave my info to others he hates me and has been tounting me for years I have no actual proof but I did contact police.

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 2017-05-24
Company: Red Bishop LLC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was told by the Federal Student Help, that they would help me to consolidate my student loan at a low monthly fee for a period of 10 years. I had to pay them a fee of {$750.00} only to find out that they sent all my personal information to another company. When I ask this other company how they got my information, I was told either I contacted them or other agency sent them the information. The company that 's now handle my student loan informed me that I did not need to pay anyone for this service it is free to all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Include dates, amounts, and actions that were taken by you or the company I have called XXXX and remove inaccurate information on my credit report. Since XX/XX/20 I have been fighting tooth and nail to resolve credit inaccuracies. I have been filing disputes for late payments, and fraudulent inquiries XXXX refuses to remove. I have called them day in and day out for weeks working on resolution and I have sent multiple disputes waiting 30 days between disputes! I have spent over {$50000.00} in credit repair and I have lost out on over {$750000.00} worth of damages in lost investments.

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 2022-03-24
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:
Include dates, amounts, and actions that were taken by you or the company I have called Equifax and remove inaccurate information on my credit report. Since XX/XX/20 I have been fighting tooth and nail to resolve credit inaccuracies. I have been filing disputes for late payments, and fraudulent inquiries Equifax refuses to remove. I have called them day in and day out for weeks working on resolution and I have sent multiple disputes waiting 30 days between disputes! I have spent over {$50000.00} in credit repair and I have lost out on over {$750000.00} worth of damages in lost investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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 have accounts that I disputed that they alsaid are correct but they are not. The dates are wrong. Under the FCRA they are to investigate and report 100 % accurate info. How was it accurate if the. Last reported date is wrong and last activity date is wrong. These accounts should be deleted for in accurate 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 non-monetary relief
Consumer complaint received 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify or validate the accounts i disputed. Being that they have gone past the 30 day mark and can not verify/validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... Promptly delete all information which can not be verified '' that I have disputed. Also there were two collection accounts removed from my reports and they were promptly re-reported without any notification. Please resolve the manner as soon as possible. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, 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:
In XXXX, XXXX and XXXX of 2019 filed disputes with the credit bureaus. I am a victim of identity theft. The information listed in this report, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation