BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar continues to refuse postponing the foreclosure sale date to allow the sale to go through even though they are being paid off in full and it is the first foreclosure sale date the homeowner has had. We are simply asking for one postponement. Nationstar is stating that if we were doing a short sale they would postpone to allow the short sale to go through but they will not postpone if they are going to get paid off? This just does n't make any sense to us and we are simply told this is the guideline without any other explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act Account : XXXX XXXX ( Original Creditor : 10 XXXX XXXX  ) Account # : XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and 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 2019-11-19
Company: Aargon Agency, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019 on my Credit Report the account AARGON AGENCY INC was added to my transunion and there is no evidence or record with that agency.

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 2020-06-27
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:
These accounts DO NOT BELONG TO ME!!! 

XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$460.00} XXXX/XXXX  Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} XXXX/XXXX  Opened XX/XX/XXXX Balance {$500.00} XXXX  XXXX Opened XX/XX/XXXX Balance {$700.00} XXXX XXXX Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX Opened XX/XX/XXXX Balance {$680.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$830.00} XXXX XX/XX/XXXX Balance {$400.00}

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 2018-12-04
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have already payed the company almost a year ago. I called the company and send them a Copy of my bank statement proving this. They agreed they had received it. I do not know why it is showing up now on my credit. This had been settled before it affected my credit. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The IRS withdrew a tax lien against myself and my spouse. Both the IRS and I have provided a copy of the form XXXX to all credit reporting agencies and XXXX immediately removed this public record. Experian has failed to do so therefore I filed a dispute. I received the results of their " investigation '' and they refuse to remove this public record even though it is no longer valid whatsoever.

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 2017-04-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I mailed several dispute letters pertaining to unauthorized inquiries on my credit report to Equifax by certified mail. The dispute dates and dispute complete dates are as follows : Disputed XXXX/XXXX/17, dispute completed XXXX/XXXX/17 Disputed XXXX/XXXX/17, dispute completed XXXX/XXXX/17 Disputed XXXX/XXXX/17, dispute completed XXXX/XXXX/17 The request that I submitted included XXXX hard inquiries that were not factual and I received the same response for all inquiries each time disputed which was 'inquiries are factual record of file access. I you believe this was unauthorized, please contact the creditor. ' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from it 's files. The fact that I received a response in 8, 1, and 4 days respectively, after the receipt of my certified letter, one can assume that there was no investigation conducted pertaining to the matter. I am planning on purchasing a home this year, and with fraudulent information on my credit report such as these inquiries shows financial desperation. I 'm submitting this complaint due to the lack of investigation into my original dispute for inquiries that were not authorized, nor did I sign for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Navient Solutions, LLC.
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:
Navient has been reporting incorrect information to my credit report.I was told that I was under forbearance in 2016 Navient instead reported me as 120 days late in 2016.It is incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I purchased tickets through XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX XXXX XXXX. Unfortunately, due to COVID-19 the events were later cancelled. XXXX XXXX XXXX refunded my account with TD that I used to purchase tickets but, that account had been previously closed. XXXX XXXX has sent multiple emails showing that the money was refunded to TD Bank. I've reached out to TD  and they have stated that they do not have the money. At this point I have become very frustrated because TD has not been helpful and I would like clarity on the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had and credit or service through portfolio recovery. They are reporting on my credit report and I have never done any business with them. They also have an open date of 2017 which is incorrect because I have had no business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: AZ
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:
improper investigation methods used are resulting in extortion on debts beyond statute being pushed into files, XXXX is refusing to staff company and recieve reports. XXXX  is flat out refusing to comply with the law. BOTH NEED TO BE SERVED IMMEADIATELY, as does XXXX, XXXX, and several other ID verification landlord used systems. They buy and resell old and inaccurate data and refuse to remove any of it. This includes inaccurate public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: United Shore Financial Services, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I fully paid off my mortgage with United Wholesale Mortgage ( UWM ) on XX/XX/2021. UWM sent me an email on XX/XX/2021 acknowledging that my mortgage was paid in full. On XX/XX/2021 UWM erroneously processed another payment and took money out of my bank account despite the fact that my loan was fully paid off. As of XX/XX/2021 ( XXXX days after loan payoff ), they have not returned the money they stole nor my remaining escrow balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I contacted XXXX XXXX, Fiduciary Administrator at Wells Fargo XXXX XXXX to begin the process to request a distribution from an XXXX trust fund. I completed and submitted all the forms on XX/XX/2021. I emailed XXXX XXXX on XX/XX/2021 to ask how long the distribution process generally takes. He replied, It usually takes about two weeks to do the paperwork and get approval and then depending on the transaction and the amount maybe a couple extra days past that time to raise cash or to coordinate the payment to the payee. The last email I received from XXXX XXXX was on XX/XX/2021 to request clarification regarding the recipient of the distribution funds, I replied immediately. XXXX XXXX has not responded to several phone calls asking for an update on the process since the XX/XX/2021 email.

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 2022-04-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After multiple attempts to get the agency to investigate Inaccurate and unverified accounts on my credit profile my disputes have been ignored with out any investigation being completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ref : CFPB Case XXXX I have alleged fraud in Wells Fargo 's treatment of my mortgage problems in the above captioned case. Wells Fargo appears to be trying to extend their reply to after the sale date of my home. This would result in a sheriff 's sale of my home and the rendering of my appeal alleging fraud moot.

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 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I WOULD LIKE TO HAVE MY CREDIT ALERT REMOVED AND CREDIT FREEZE REMOVED FROM MY CREDIT REPORTS. I HAVE A UNKNOWN ADDRESS ON MY FILE THAT I NEVER LIVED AT PLEASE RMOVE : XXXX XXXX XXXX XXXX XXXX, CA XXXX. I HAVE LIVED IN OHIO MY WHOLE LIFE!

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 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2019-12-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transactions that I have made or authorized. It is the result of identity theft. And I have filed a police report with my local police department to have this issue investigated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Called a number that I thought was navient ( XXXX ). This number was given by a XXXX ad subscriber with the web address www.navientinfo.com or www.navient-info.com individual that answered claimed to be from navient. Tried to get me to log them into my fedral fasfa website. Went as far as putting my email in and sending me the reset email and asked for the password reset code. Obvious identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've called many times to the credit reporting agency to inform them these inquiries were not mine, that they were fraudulently. The agency are telling me to just let the inquiries fall off, but they do n't belong to me, so I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: COMMERCE BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Multiple fees of {$37.00} for overdraft they won't let me stop or activate overdraft protection horse have a low risk account this fee has happened more than 10 times in the past 12 months I can't do it I'm tired of it that's a lot of money XXXX * XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-18
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 am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 
As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.

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 2017-06-01
Company: Colony Brands, Inc.
State: MI
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:
I Called XXXX XXXX starting on XX/XX/XXXX to resolve at debt that I owed in the amount of {$320.00}. this company could not find my account. I informed them that it was in Collections, they then informed me to call the collections agency that they no longer had that account. I then called the collection agency and they could not find the account. I had a order number that I gave the collection agency and they were able to find my account. the collection agency then informed me that they returned the account back to XXXX XXXX. I then called XXXX XXXX on XX/XX/XXXX and informed them that the collection agency says they no longer have that account and I gave XXXX XXXX my file number once again and they were able to find the account. I asked if i should pay them, XXXX XXXX, or the Collection Agency they said that i could pay either one. Before agreeing to pay i asked the associate that i spoke to " Once payment is made in full will the Charge Off be removed from my credit report and He answered yes.I then asked him if he was sure he repeated yes, he assured me as soon as there office receive full payment that the charge off would be removed from both credit bureaus.I sent a cashiers check in the amount of {$320.00} to XXXX XXXX XXXX XXXX. I then called XXXX XXXX Back after payment was made, spoke with a supervisor and He said that they would not be removing the charge Off from my credit report. He Said " that he could but he would not because it is not company policy ''. I informed him of the conversation that i had with one of their Associates and i gave him that persons name. I explained to him that that was unlawful what they did to me.He then apologized and said he was going to have a coaching/training meeting this supervisor said that he that he could return my money and leave the credit report as it was.This is Larceny by conversion and this company has yet to report the the Credit Bureau that the debt has been paid in full.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-30
Company: Waypoint Resource Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Due to me being a victim of identity theft these items are on my credit and its effecting my progress in life I can not get approved for any credit these are the dates of unauthorized collections on my credit report XXXX these dates are from unauthorized collections placed on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hi, I currently paid {$1000.00} to my FedLoan Servicing : https : //myfedloan.org/. They accepted the Payment on XX/XX/XXXX but the remaining income stay the same. The orignal amount was {$5900.00} but it did not go down to {$4000.00}. They accepted payment and tells me they couldn't find my payment record for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
A hard inquiry appeared on my credit report, dated XX/XX/2022, that I did not authorize. I didn't apply for any credit cards, loans or other products.

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