BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity

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: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a Car note from WELLS FARGO DEALER SERVICES. I have been with this company since XX/XX/XXXX. In XX/XX/XXXX & XX/XX/XXXX, I ran into a hardship where I was late on my carnote payments. I am now up to date on my payments and now that it is XX/XX/XXXX, I have not made any other late payments. I would like to get these negative remarks removed from my credit removed and forgiven as I have been a loyal customer as well as making early and double payments. 

Thank you in advance

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review.

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 2016-02-17
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have XXXX and XXXX mortgages with Navy Federal Credit Union which I have been paying late for over a year after I fell behind for several months in XX/XX/XXXX. I submitted borrower response packages in XX/XX/XXXX requesting modifications on XXXX mortgages. I was offered a modification on my XXXX mortgage on XXXX XXXX XXXX, but not on the XXXX mortgage. During the same time period Navy Federal asked me to submit another borrower response package for the same mortgages. I submitted another response package on XXXX XXXX. I called Navy Federal on XXXX XXXX and told them I was unsure of what was going on with the modification. I did not understand whether I needed to accept the modification offer on the second mortgage in XX/XX/XXXX or wait for them to finish reviewing the borrower response package I had just re-submitted for XXXX mortgages. I scheduled the payment for my XXXX mortgage on XXXX XXXX but I did not schedule a payment for the XXXX mortgage because it sounded like I should wait for a call on the borrower response package. On XXXX XXXX I was contacted and asked for more information for the borrower response package, which I provided. Navy Federal asked me for additional information on several more occasions up until XXXX XXXX. I received XXXX letters in the mail on XXXX XXXX. XXXX letter from Navy Federal dated XXXX XXXX telling me my borrower response package was now complete, a second letter asking me to fill out another borrower response package to avoid foreclosure, and a third letter from an attorney dated XXXX XXXX explaining they were being instructed by Navy Federal to " commence foreclosure '' on my home. I am extremely confused and beat down by all of this. I have been paying my mortgage. I paid it on time for over 10 years until I fell behind. If this is true and they are foreclosing on my home over a misunderstanding I really need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Good morning, I looking for answers regarding my mortgage account with Wells Fargo. I received annual escrow projection for 2017 taxes. This analysis is based what they " think '' coming year taxes. This projections are often inaccurate and never adjusted if not disputed. Well I have attached what was sent to me and it does not reflect my actual monthly payment. 
I have spoken to several of Wells Fargo representatives last ( XXXX XXXX ) and it still does not answer my question. Projection is based on a payment made twice a month payment of {$690.00} this amount is incorrect. My actual payment is {$620.00} twice a month. Why this rate is not based actual amount being paid? WHY? If projection is false so is calculation for monthly rate? The past few year my receive a tax credit. See noted on tax record.This has been on going and I feel my current monthly payments is inaccurate. I 'm asking for someone this to review and advise. 
Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Windham Professionals, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am having difficulty dealing with and securing information from Windham Professionals located at XXXX XXXX XXXX, XXXX, MA XXXX regarding a XXXX  credit card charge off. I have called Windham on several occasions to request information I am entitled to under both federal and state law with no success. When I called Windham, I was forced to deal with inexperience, young adults ( teenagers? ) that were incapable of answering even the most basic questions. I have requested on at least three different telephone calls a complete and accurate breakdown of the exorbitant balance they are claiming I owe. I requested a breakdown of all alleged charges, copies and dates of when the account was sold and to whom, past due fees, interest, attorneys fees, and any other fees. The current balance Windham claims I owe is {$3200.00}. I have also requested the cardholders agreement, any signatures linking me to this account, a copy of the original application bearing my signature, the original card limit, or any form of validation of this debt. It should be noted that I contact XXXX  directly ( XXXX XXXX  is the issuer ), and I was informed the account was sold to XXXX XXXX, XXXX, located in XXXX, Texas. I called XXXX XXXX, only to be told that the account was sold to Windham Professionals in New Hampshire. As stated above, I have called Windham on several occasions with no success. I have kept detailed notes with dates and specific information on these conversations. After I informed the young woman on the phone that I intended to initiate a Smalls Claims action against Windham, I received three old card statements, dated XXXX, XXXX, and XX/XX/2019 in the mail. I did not receive any of the other information that I previously requested. I believe I am entitled to this information. I am the XXXX  XXXX  XXXX  for my elderly mother who suffers from XXXX. This account owned by Windham Associates is keeping me from refinancing my home to help my mother. I have tried everything possible to address this debt, but Windham Associates is being uncooperative. They do not have enough experienced employees to assist consumers. They also do not have the information as required that I have requested to validate this debt. I am seeking help and guidance as to how to handle this situation. 

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 non-monetary relief
Consumer complaint received 2017-02-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have spoken with this collector and explain the situation and I am making payments. They are calling more than 10 times a day never leave a message and do this eveyday. Some days less some days more. I understand I owe money but as explained to the company I am making payments as I have money. The calls are really an harassment at this point. I could not download my call list for you but I can provide the information if needed

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or around the date of XX/XX/XXXX, my wife and I, who are first time home buyers, were discussing with my lender XXXX Bank of America ) on a loan estimate for a mortgage on a new house we will be closing on XX/XX/XXXX. The account manager for us was XXXX XXXX. 

During that discussion, I had told them that we were ready to move forward with the loan with Bank of America. We had directed the lender to do a 90-day lock in rate so that we have that rate locked in by the time we close on the house. Then, we went through signing papers for the application. 

Routinely, I kept checking in with my lender to see if there's anything else that needs to be done on the loan application. As first time home buyers, there's a lot to the process so I wanted to keep verifying with my lender if there were any steps that were missed. There was no mention of not having the rate locked in. 

Around the end of XXXX, as I was checking in with my lender, he told me he had in fact not locked in the rate. I've been trying to work with the lender XXXX Bank of America ) on getting this resolved, even with the managers above my direct contact. The manager, XXXX XXXX, was supposed to call me back on XX/XX/XXXX, but then told me they would need another day. Its been two additional days since and my calls are not being answered or returned. 
After calling around the company for customer service, someone told me the verbal message from the manager was that they will not honor the 90 day rate lock in I had originally requested. 

I do not know how things are normally done, but as a first time home buyer, the process felt incredibly deceptive. It didn't feel like my lender was working in my best interest and only looking to increase the upfront loan costs. Additionally, with a new loan rate, which have increased, my closing costs will also increase significantly.

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 2022-07-20
Company: EQUIFAX, 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:
After getting a copy of my report that I ordered a credit report with XXXX XXXXXXXX XXXX, 2022, I called Equifax since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there was CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) I have never with these accounts listed below, so please help me remove these CHARGE OFFS, from my personal profile. A copy of my Utility Bill, drivers license, and W-9 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

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

Complaint:
XXXX XXXX account reported written off as bad debt was fully settled with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
All of the following companies made collections for an account that isnt owed by me : XXXX Amshercollectionservices Creditor : XXXX Amount : {$150.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$330.00}

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 2022-03-24
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have new and updated information regarding my previous complaint against American Express for denying my application for credit for an American Express XXXX XXXX XXXX XXXX credit card account. I have attempted to mail American Express a request for payment of Arbitration Fees for XXXX  however, the letters I have mailed to the address indicated on the Cardmember Agreement have been returned to me twice via USPS. So, I have attached the request here as American Express has violated my right to credit, discriminated against me and violated the False Claims Act by stating the reason for denial of my application was due to an XXXX XXXX from American Express account being closed due to non-payment. American Express also violated 18 U.S. Code 8.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo ( WF ) lied to me about foreclosing my home beginning XXXX XXXX. I was advised by multiple WF agents that I would not be foreclosed for missing payments as long as I was in a pre-approved modification status. My home was foreclosed in XXXX XXXX. It took me over a year, which included 3 HARP applications and 3 WF applications, before I finally got my home out of foreclosure ( after complaining to the Office of the Comptroller of the Currency - OCC ). I have all of the letters WF sent me during that time and after. Because of the foreclosure my employment options were severely limited, without being able to leave my area I could not fully pursue options in my career field. WF constantly changed the rules for getting out of foreclosure and basically made my and my wife 's lives living XXXX. With the latest WF scandal all over the news I would like someone to revisit my complaint. I filed multiple grievances through the OCC which proved fruitless as they gave up and awarded pitiful compensations. Everyone now knows WF was staffed by dishonest and worse people who manipulated and ruined lives. WF needs to be held accountable. I am now in my XXXX with no retirement and nothing in Savings. We live paycheck to paycheck - and like so many Americans ( and because of WF ) - I am painfully underemployed with no bright prospects. I need to be able to relocate and can not do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: New Century Auto Sales, Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I am a XXXX year XXXX mom who has been driving for one year. I needed a car so that I could get to and from my full-time job. I found a used car dealer who also has financing. When I went to the dealer I was alone and thought I had enough basic knowledge about purchasing a used car. Well, after high pressure sales tactics I drove the car home. The very next day I went back to the dealer to return the car. They laughed and said that I could not return the car or get out of the contract. Worst part is they reminded me that if I do not make the payments they have a device on the car that shuts the engine off while driving. This seems so wrong on many counts. No XXXX else that bought a car has this device on the car. My credit was not even that risky it is just that I was only interested in a late model car, which new car dealerships do n't offer. What a scam. I purchased a 2004 chevy with XXXX miles on it that was only worth less than {$2000.00} for {$19000.00}. I gave {$800.00} as a down payment and they also forced me to buy an extended warranty that does not cover anything that broke on the car while I have owned it. The car has had many breakdowns including the brake lines breaking with my baby in car, along with a rats nest in the engine. The dealer claimed to complete a full all points ( XXXX ) inspection prior when the mechanic said all the breakdowns should have been corrected with an inspection. My payments are {$200.00} biweekly and if I am even late XXXX day they shut off the car engine by remote control. PLEASE HELP ME. I believe what I have repaired and paid for this car exceeds what anyone should have paid. I wish to either have my money returned or keep the car and owe nothing. Thank you for you time.

Company response to consumer: Closed with explanation