BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am in fear of losing my home. Wells Fargo has dragged me out in trying to to get assistance for now my primary resident home. In XXXX, the home was vacant, and unable to rent and dealing with squatters. My daughter and her sons moved in to help me save the home. Wells declined my request for a more more reasonable payments and instead we paid an additional {$600.00} a month to get the loan current. After the 6 months, payment was increased again. 
We managed to keep making the payment but it was difficult. My daughters work filed BK and she lost her job. XXXX XXXX, I did the ALL the necessary paper work for XXXX and again Wells denied my request. My daughter obtained new employment but with less pay. XXXX XXXX, I moved in with my daughter and reached out to XXXX to help us. Again did the XXXX and at this time we 're finding impossible with the lower income and child care. We are unable to make payments that are now {$600.00} more than when family decided to move into this home. Children are locked into schools and activities here, we do n't want to lose our home or have to relocate. 
What frustrated us more is the fact Wells has dragged their decision on for so long that by time they decided we will not be able to catch up as in the past. I was told they would have a decision by XXXX then XXXX. I made a joke to XXXX saying do you think by the XXXX then XXXX NOW maybe XXXX. Our lives have been in turmoil not knowing what direction we are going. My family has had enough upset, we do n't need anymore. I feel that because my daughter and I are XXXX single woman with XXXX children that we are not getting help. I was told by XXXX lender it helps to have a mans income to qualify. I am hoping this is n't true. 
We can afford this house, there is no reason why Wells Fargo can not help us. Wells Fargo has been have been very difficult to work with. We have been trying to get a resolution since early XXXX. We would greatly appreciate your assistance.

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 2021-11-23
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
After consummation of the XXXX XXXX XXXX, I learned that I was not Clearly and Conspicuously disclosed of my Right to Rescind. 
After certified mail delivery of my Notice of Rescission, the creditor did NOT reimburse the obligor. Instead, their was no legitimate response. I was told via recorded telephone call, that " I can not rescind the loan. Rescission applies only to houses. '' They did not mail this response as they said they would. Also to mention, the right to rescind is applicable to ALL consumer credit transactions. Please see XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ). 

The XXXX days for their reimbursement period has well past. A remedy is now demanded.

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 2021-11-23
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:
XXXX and Transunion have violated my privacy right under the HIPPA law and my right under the fair credit and billing act and FCRA. I have 3rd party collector continuous making harassment calls about my medical information. Please ask the bureaus to stop and provide full validation of below account and their right to collect. I have requested by certified mail on XX/XX/2021 without an answer back. I have filed a HIPPA violation in the attachment. 
XXXX XXXX XXXX Account number XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I could n't get past the page that required me to present with accurate answers to questions regarding transaction information on my ssn in the last 4 years that I was populating accurate information for but ended up getting blocked out from retrieving the credit report on freecredit reporting website. I was trying to retrieve information from all XXXX credit reporting sites but equifax popped up questions that eventually blocked me out. I then tried retrieving specifically credit report from XXXX but that returned a message indicating my free credit report for the year was already retrieved from them. I have n't done this. Can you look into both - I want a credit report from all XXXX firms. Also if its any help, I am already a victim of aggravated fraud, hate crime, trade secret misappropriation and copyright infringements. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2018 I disputed several items on my credit report through Transunion credit bureau. These accounts I have no affiliation/business. And have no contract with said collection agencies. There has been no contact between me and TransUnion to give explanation why removals were completed at this time. The 30 days has lapsed for said accounts with TransUnion. And contract with collections agency doesn't exist according to the FCRA. 
1. XXXX XXXX ( for the amount of {$410.00} ) 2. XXXX XXXX ( for the amount of {$680.00} ) 3. XXXX XXXX XXXXXXXX ( for the amount of XXXX ) 4. XXXX XXXX XXXX ( for the amount of {$150.00} ) I am requesting that these items are removed from my credit report immediately with letter to follow.

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 2018-03-15
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am seeking your help to resolve my problem with Seterus Inc before my home goes into foreclosure. 

In XX/XX/2018, I made my mortgage payment of {$1100.00}. Unfortunately, my account was {$11.00} short and my mortgage payment was returned to Seterus for insufficient funds. 

I have made deposits into our XXXX XXXX account, to cover my mortgage payment of {$1100.00}. Seterus Inc has been refusing my payment via online and insisting that I must go to a XXXX XXXX or mail my payment via money order. 

In order for me to accommodate this payment method, I would need to take a day off from work, or go into work late which will cause me a penalty on my job. 
When I inquired to Seterus Inc. why are they refusing my on-line payment, I was told that I had four returned payments for insufficient funds in the past year. This is absolutely untrue.

Seterus Inc. is forcing me to go into foreclosure, by refusing my payment. I am seeking your intervention before my home goes into foreclosure. I can not afford to take a day off from work every month to make my mortgage payment.

I am currently working seven days per week, not only to accommodate my needs but the needs of my family members who are living in XXXX, who depends on my check each month to buy their food. Nothing that I expect Seterus to understand, as they have no idea what it is like to be in need.

Please, I am asking you to stop Seterus Inc. from forcing our homes into foreclosure. They are tyrants who have no care for us, other than to abuse their power, leaving homeowners homeless. 

Respectfully, 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 2021-11-23
Company: MicroBilt / PRBC (formerly CL Verify)
State: IL
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: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
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: Personal information incorrect

Complaint:
I disputed Experian to remove this address from my credit report because I never lived there and they refuse to remove it. The address that is showing on my credit report is XXXX XXXX XXXX XXXX fl XXXX I have sent in letters numerous of times and they refuse to remove address.

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 2015-11-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Despite my repeated requests that they do so, EQUIFAX refuses to delete an outdated, factually inaccurate account with XXXX from my file. The vehicle in question was NOT repossessed from ME, nor were ANY payments made late by ME but in fact belonged to my former spouse who received over {$1000.00} when the vehicle was sold as it was her account and NOT mine! I simply want ALL information pertaining to it deleted from my EQUIFAX file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
These fools send me a letter that claims they deleted there sloppy blunders. This is a lie. Flagrant incompetence. WHAT is this inaccurate garbage still doing in my file? After claiming it was deleted. I just seen it again online 5 minutes ago today? XX/XX/2015 I told them a month ago, I want these expired, inaccurate addresses deleted, they agreed, never complied to. Plus, they have some ridiculous landline number with XXXX XXXX ( XXXX ) for a area code. What do you call this sloppy incompetence?! # Willful gross negligence, stupidity, what?! # That XXXX cellphone XXXX is inaccurate and I cancelled with verizon. PLUS, that XXXX partial number, they must fish for errors?! #

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Sent dispute to Equifax on XX/XX/XXXX re : XXXX credit card account XXXX to verify date of first delinquency. Received response XX/XX/XXXX stating company verified date of last activity was correct. Recent correspondence directly from XXXX XXXX verifies account was closed ( due to original delinquency and nonpayment ) XX/XX/XXXX ( see associated CFPB complaint # XXXX XXXX. Account is still reporting, which exceeds the XXXX year reporting period for negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
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: Information belongs to someone else

Complaint:
I am filing a complaint under the violation of my FCRA right and Fair credit and reporting act. I have requested numerous times for a full validation and their right to collection so I can validate of this account. I am not aware of this account and demand proof. I have sent numerous letters by certified mail with any result or proof. If you can't provide the company right to collect, please remove this information from my account as its has hampered my financial needs. Please show with XXXX co vendor you used to collect this information as I take my privacy seriously and have opted out all XXXX party vendors who sold my information to the credit bureaus. The account in question is name XXXX XXXX XXXXXXXX Account number 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 2015-10-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX/XXXX made a hard inquiry which appears on my credit. The only thing I ever signed up for was the regular XXXX, never a XXXX XXXX. This lowered my credit score twice and XXXX will not change their procedure and the reporting companies will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I was a victim of ID theft 3 times in past year and requested and submitted all the info to have a security freeze and fraud alert placed on my credit bureau accounts. Equifax sent my credit report and all my security freeze info to an address that was not even mine. So now my info is in the wrong hands again. I spoke with XXXX people from Equifax over an hour and half and they told me that it was my fault for not reporting the correct address. All of the documents submitted had my correct address. They will not provide me with a new PIN number, and I have left 2 messages with the corporate office and received no call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The credit reporting agency did receive proper documentation to confirm that the account was mine. When I asked the credit bureau they could not provide me with specific details on how they came to the conclusion that a debt was mine. There were documents bearing my signature, and not other evidence. I am not sure how they can investigate and come to a conclusion without proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have disputed this account many times. The attached XXXX letter states the account was not being reported properly ... " I also confirmed that the consumer reporting agencies were not updated to reflect the sold status at that time, and regret any inconvenience that this may have caused. '' In addition, the date of last payment is still incorrect. This account is over seven years from the date of last delinquency. If this is not removed, I will sue XXXX and Equifax and they can point the finger at eachother as to who dropped the ball in the incorrect reporting. The language used in the attached letter shows XXXX is already indicating it will throw Equifax under the bus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: DISCOVER BANK
State: NY
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:
I contacted Discover card on XX/XX/2021 in reference to a pending charge in the amount of {$2500.00} via the discover message center to let them know i wanted to start a dispute. I was told i would receive conformation either by email or mail. I never got either and i followed up myself on XX/XX/2021 to see if the dispute was started and was told it was being followed up on. it was not till XX/XX/2021 did i receive any correspondence via email stating the dispute was in my favor ( nothing had been requested from me during he whole process ) I contacted Discover again to ask details re : the company in relation to the charge disputing the decision and once again that was the only way i got any information from Discover. Then i contacted Discover again on XX/XX/2021 because the {$2500.00} was just applied back to my account, no information, no correspondence so like before i had to reach out. At XXXX i was told there was no dispute on my account for the past XXXX months and then with some back and forth i was told that the dispute was resolved. I complained that no documents were requested from me and when i explained what i did have they told me the only documents that would be acceptable for me to submit would be proof the company in question agrees to issue a refund. I had to ask more than once for where i submit documents on my behalf and this only was provided after i requested a manager and it was XXXX days later on the XXXX XXXX XXXX. I faxed a letter with some documentation on XXXX XXXX XXXX. I received an email XX/XX/2021 letting me know my information was already considered or was insufficient and said i have another XXXX days to continue my dispute but that they already sent reporting to credit bureau 's. When checking my credit report on XX/XX/XXXX was already effected by Discovers actions and my rating dropped XXXX points. Now when reading the FCBA I was under the impression that while a dispute is ongoing it should not be reported to the credit bureau 's. Also my main issue is Discover in not allowing a proper dispute and is stating the only documents they want is for me to get the opposing company to agree to a refund which is NOT a dispute and not how disputes work when there is fraud involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Back on XXXX XXXX I filed a complaint about seeing hard inquires on my credit report after I ordered my credit report. I called and mailed Equifax that those Hard Inquires on my credit report that I had no business with those companies. I requested that they remove them. I have been getting the run around with Equifax. I want all those hard inquires removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX CCB/PPC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
My credit report showed a credit inquiry by your company that I do not recall authorizing I understand that you should not be allowed to put an inquiry on my file unless I have authorized it Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit This account is paid I have sent this letter because I need your prompt response to this issue Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed If you find that I am wrong and you did have my authorization to inquire into my credit report then please send me proof of this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried REPEATEDLY to get my free annual report from Equifax. When the questions came up it would say that they were wrong and that I had to send in a copy of my license to get my report. FINALLY after another month my report finally came HOWEVER I recently had and identity theft incident of someone using my information to apply for a credit card. It HAS BEEN reported to the company and the police but it takes months to fix this AND it would be more easily traceable if a copy of my license was n't out there when they should have allowed the questions to approve my identity. After searching online I see that it is common issue with getting the free annual credit report for EQUIFAX and I want it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. I sent in to the credit bureau a copy of my identity theft report, police report and a letter detailing the fraudulent items that I requested to be blocked from reporting on my report. Some items were blocked, however, not all of them listed in my letter and in the police report were. There is a fraudulent account with XXXX XXXX and a bankruptcy that is being reported in error on my report. I have never filed bankruptcy, nor have I had an account with XXXX XXXX. I contacted the court directly and was told that they do not report to credit bureaus and that I would have to deal directly with Equifax , as the other credit bureaus blocked the fraudulent reporting. Upon contacting Equifax , I was told that they verified the accounts and will continue to report them. How can they verify them with the court, if the court does not report to them or communicate with them? I do n't understand why Equifax insists on reporting fraudulent information at my expense.

Company response to consumer: Closed with explanation