BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
WellsFargo did not pay XXXX County property taxes on time. Due XXXX, and not fully paid until XXXX, and a lien placed causing now my credit report to look like I did not pay on-time when I was not fully notified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
MY BALANCE INFORMATION IS INCORRECT ON MY XXXX XXXX  ACCOUNT ENDING IN XXXX AND XXXX XXXX ACCOUNT ENDING IN XXXX. THIS ACCOUNT INFORMATION IS UNTIMELY AND INACCURATE. PLEASE UPDATE BOTH ACCOUNTS.

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 2020-06-15
Company: BANK OF THE WEST
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX XXXX and I have been a victim of scam and identity theft. I initiated a Police Report with the XXXX Sheriff Office ; Florida ; ph. XXXX ; XXXX  Case Number XXXX and a Complaint with the FTC Rpt. # XXXX. The scam is related to : I performed a serial of wire transfer ( a total of 3 wire transfer {$31000.00} ) at the request of the Social Security Administration ( SSA ) and the Federal Trade Commission ( FTC ) guided by XXXX XXXX a fictitious DEA agent. Funds were wire transferred from my XXXX XXXX XXXX XXXX Account # XXXXX ; Routing # : XXXX to other 2 Bank accounts ( account numbers available upon request ; name of the banks : " XXXX XXXX XXXX  '' ; ( XXXX ) and " Bank of the West '' ; XXXX ) the account numbers and routing number for these banks were provided by the fictitious DEA Agent, named XXXX XXXX ( phone used to initiate the scam XXXX he used other numbers also ). On XX/XX/2020 ; I did the first wire transfer of XXXX to XXXX XXXX XXXX  ; the second on XX/XX/2020 for {$10000.00} and the third on XX/XX/2020 for {$11000.00}, both wire transfers to Bank of West ; for a total of {$31000.00}. On XX/XX/2020, I found I that this was an scam, when I called the Drug Enforcement Office, and told them that a DEA agent named XXXX XXXX made me wire transfer money to XXXX banks. The XXXX XXXX told me that call immediately the XXXX XXXX XXXX XXXX to recall the wire transfers and that XXXX XXXX was not a DEA agent. I immediately called XXXX XXXX XXXX and they recalled all the wire transfer from both banks. The Credit Union could recalled the wire transfer of XXXX from XXXX XXXX XXXX  ( which were wire transferred on XX/XX/2020 ) but could not recalled the 2 wire transfers for Bank of the West ( which were wire transferred on XX/XX/2020 ( {$10000.00} ) and XX/XX/2020 ( {$11000.00} ). In addition was also very difficult to communicate to the Bank of the West ; according to the XXXX XXXX XXXX XXXX. Please I need help to recuperate my money from Bank of the West located in California. Please if you publish this notice, remove my name and personal data from this notification.

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 2019-12-17
Company: ONEMAIN FINANCE CORPORATION
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This phone number is called at least 5 times a day. Today XX/XX/19, there have been 8 phone calls before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: General Information Services, Inc
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I applied for a XXXX position at XXXX in XXXX. In XX/XX/2016. A background check was done and was taking a long time. After a month I received a copy of the background check with very vauge information of a warrant for petty theft in XXXX. I immediately call GIS to dispute the accusations. I have NEVER been to XXXX. So I know for a fact my identity has been stolen. I asked a rep. XXXX was there anything I can or do to help in clearing my name and she tells me NO. I then get a call from a XXXX XXXX who called and left no msg. And she asked 'did i forget about the warrant '. I hope she was not trained to accuse people of a crime that they did n't do. She says she called the XXXX police dept. And I needed to be fingerprinted. And that she already contacted XXXX basically closing the dispute before I was able to get fingerprinted, so she can meet her 30 day time period of closing a dispute. So I lost a job because of false information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: WELLS FARGO & COMPANY
State: FL
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:
Wells Fargo reported inaccurate information on my credit report. 

In accordance with the Fair Credit Reporting act XXXX, # Account : 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 an 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 2019-12-17
Company: Ascendium Education Group
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ASCENDIUM COLLECTIONS has violated the FCRA by RE-AGING accounts AND reporting misinformation to credit bureaus which affected my credit scores, my financial life and my family 's life for over 2 years now.

Below are the inaccuracies which I have complained to credit bureaus about as well as ASCENDIUM and no one is taking this matter seriously. I have requested multiple times for them to prove this debt belongs to me and to correct my report and all I get is avoidance. 

Please see my credit reports as well as the items I have addressed with them below. 

A scendium XXXXYou are reporting that this account is a Charge Off and that there is a Balance and Past due amount of {$17000.00}? It can not be both. You are reporting date last active as XX/XX/XXXX and date of last payment was XXXX of XXXX. No payments have been made to this collection account ever. XXXX is showing date last active is XX/XX/XXXX and date of last payment was XX/XX/XXXX. It can not be both. This account is being RE-AGED also and is illegal. 


XXXX XXXX AGAIN, with this account you are reporting that this account is a Charge Off and a Past due amount of {$15000.00}? It can not be both! You are reporting date last active as XX/XX/XXXX and date of last payment was XXXX of XXXX. No payments have been made to this collection account ever. Equifax is showing date last active is XX/XX/XXXX and date of last payment iss XX/XX/XXXX. It can not be both. This account is being RE-AGED also and is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
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:
The following accounts where opened as a result of identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Store card. 


I have contacted the creditors and they have closed said accounts. But they have not removed said accounts from my credit reports. 

See attached FTC affidavit.

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 2021-12-13
Company: EQUIFAX, INC.
State: NY
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 submitted a complaint to the credit bureaus about a fraudulent collection account on my credit report I have no prior knowledge of this account and also this account has not been verified I was doing some research and was told that if I submit a complaint to the bureaus and it has been more then XXXX days then this collection account most be removed which it has been

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After 25 years in my home I am on XXXX. I M in XXXX XXXX an XXXX XXXX. I asked for a modificationAnd I was told that I would be given a modification. Mr XXXX   told me to give him $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For 6 months now my mortgage payment has not been applied correctly,  they are applying my mortgage payment wrong each month and then not sending me an invoice and putting me into collections.  I have called each month and they say it will be fixed but then the next month it happens again.  I have wasted countless hours on the phone with them but they keep on doing it.  I send my payment in as soon as I get the invoice with a small amount extra to be applied to principal,  it is all on the invoice.   They are going to cause me to have credit issues as this has been on going. This issue is with Fifth Third Bank.  They are completely incompetent.   How do I proceed as they are not fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working on a deed in luie for over a year with BayView Loan Servicing and they keep kicking the paperwork back, do n't return calls, or keep setting me up in different programs I did n't ask for. Recently, I 've been entered into a forbearance agreement .... But I never asked for one. They can see from my financial disclosures that I ca n't afford to pay anything on my account. 

My processor, XXXX XXXX, writes me letters with her email address. I email her and she never responds. She includes her phone number, but she never answers it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Self Financial Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone has been perpetrating me and still my identity and applying for credit from major agencies, such as XXXX XXXX XXXX, Self Financial, XXXX XXXXt, and XXXX XXXX XXXX. I have been a victim of Fraud and need immediate assistance. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I left on a XXXX to an austere location in XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX, there was a {$19.00} charge that was made on my American Express XXXX directly to XXXX. I do not recall this purchase and have filed a complaint with XXXX. They directed me up to the XXXX help-line after I reached out to their consumer website and stated " a direct purchase from XXXX is not possible. '' I have not heard back from XXXX 's XXXX office yet. 

Since I was XXXX, I went 60 days overdue on this {$19.00} charge. American Express paid it off after it was severely overdue. This has had an enormous effect on my credit score/report. I have worked with American Express on XXXX separate occasions. The first time I called XXXX XX/XX/XXXX ), the customer service clerk told me she would take care of it. Nothing was done. On the second attempt XXXX XX/XX/XXXX XXXX, I managed to file an official complaint with their credit bureau. They stated I should be able to see it removed XXXX XX/XX/XXXX. A few weeks after XX/XX/XXXX, I called back and they stated that it had all been resolved. They sent me a check in the mail for {$2.00}. I have not cashed that since I do not know what this is for. The check is still in my possession and the overdue {$19.00} still shows up on my credit reports. I'd like to press to have this removed. 

Under the Service Members Civil Relief Act, I should be protected from this erroneous charge since I was XXXX at that time. I had the financial means to pay off the {$19.00} but did not have the ability to do so due to my XXXX. I am filing with you since I have no been successful with American Express and have not heard back from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I applied for a home equity line of credit application with my bank, Citibank in XXXX XXXX and was initially offered a conditional HELOC of {$450000.00} ( in writing ). I was continually denied credit and after working with multiple higher levels within the organization and months of providing all data requested, on XXXX XXXX, they declined to offer me even as much as {$1.00} credit and I decided to file this complaint. 

With .... 
-Over 24 years of continuous banking relationship with Citibank -Status as a Citgold client ( their premium customer level ) -Over $ 100XXXX in deposits in my Citibank accounts consistently since XXXX ( including right now ) -Two previous home equity lines of credit with Citibank -A credit score of XXXX, the highest the loan officer had personally ever seen -Over $ 1XXXX in home equity in my XXXX homes -Over 80 % value equity in the home Citi would be issuing the line of credit against XXXX jobs from XXXX and my own consulting business -Already XXXX scheduled classes at XXXX XXXX XXXX ( at top XXXX public University in the world ) confirmed -A pending job as a XXXX XXXX XXXX as per the XXXX of the University with an anticipated annual salary of {$90000.00} -Over {$30000.00} annually in rental income profit ( $ XXXX gross ) from my XXXX XXXX XXXX car garage home that has a signed annual lease that Citi has a copy of at their request ( that has a loan/value ration of XXXX ) -A {$120000.00} annual consulting contract with my largest client that Citi has a copy of at their request -A statement from my XXXX CPA stating my anticipated income for XXXX to be at or over $ 120XXXX that Citi has a copy of at their request -Copies of my personal and company tax returns for the past 4 years that Citi has a copy of at their request. 
XXXX prior conditional approvals from Citibank for a home equity line of credit of $ XXXX and $ XXXX -My prompt and highly detailed/documented submissions of everything Citibank has asked for since starting this home equity line of credit application in XXXX, XXXX ( 5 months ago ) ... yet, I was still denied a Home Equity line of credit approval. 

The idea that my bank of over 24 years wo n't lend me even {$1.00} with this stellar and almost model loan applicant status is shocking, so I am asking the CFPB to intervene in the process with Citibank to review and overcome any approval issue. 

Thank you so much for 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 2016-01-15
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was paying out a credit card with a balance of {$580.00}. It suddenly had an increase of & gt ; {$200.00}. I told them it was incorrect, but they refused to listen. This is a Best Buy credit card issued by Citibank , N.A . They are now calling my work about 10 times a day. The front office worker is getting very upset. Everyone has told them to stop calling, but they wo n't. This is serious harrassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 tried to contact the credit bureaus and creditors in reference to inaccurate information on my credit report

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 2019-12-17
Company: Clarity Services
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:
incorrect information defamation of my credit historyXXXX XXXX  60 days late fcra violation see attach police report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: FIRST ADVANTAGE CORPORATION
State: OH
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: Personal information incorrect

Complaint:
Background check obtained from XXXX comes up with this information which is incorrect : SOCIAL SECURITY VERIFICATION NAME AND ADDRESS INFORMATION OBTAINED FROM : XXXX Customer Provided Information SSN XXXX DOB XXXX SSN State Issued XXXX Year Issued XXXX Name Type Report Subject Name XXXX, XXXX XXXX Addr Type Residence Address First Date XX/XX/XXXX Last XX/XX/XXXX Address XXXX XXXX XXXX XXXX, OH XXXX Addr Type Former Address First Date XX/XX/XXXX Last XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Addr Type Former Address First Date XX/XX/XXXX Last XX/XX/XXXX I never lived at these locations and have requested 3 time to have them removed. 
Also Only employment from XXXX to XXXX is XXXX XXXX XXXX and XXXX as well as Ohio XXXX and XXXX nobody else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent out 609 letters to all 3 credit bureaus XXXX, Experian, and XXXX. The letters detailed my disputes of the accounts that the bureaus are reporting inaccurate information on my credit profile. Its been over 60 days and I have not received any information on the results of the investigation from the bureaus.

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 2019-12-17
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on DPT EDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed a charge on my XXXX by calling the bank. At the end of the call they told me to follow up with a written letter which I did within the required timeframe. I followed up with a second written letter to the bank when no action was taken on my claim. Now the bank tells me they can not help me with the dispute as I never followed up with a written notice. I sent the bank copies of my written correspondence regarding the claim, but they still failed to help me. 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 2022-07-21
Company: Experian Information Solutions 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:
I am XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.

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