BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-07
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had fallen behind in my payments due to many unforeseen medical issues starting when my son had to have a a XXXX XXXX removed. My wife has also had many ongoing medical issues the past several years. My mortgage was originally with XXXX XXXX XXXX, then it went to XXXX XXXX then with XXXX, and now it is with Fay Servicing. Beginning XX/XX/XXXX of this year I applied for a loan modification with Fay Servicing. I sent them all required income and bank information they requested and was told our household income was sufficient to qualify for the modification. Then on XX/XX/XXXX of this year i received a call from my account manager XXXX XXXX  informing me that I had been approved for the modification. I was relived beyond words. I was then and am still now committed to stay in my home. Then two days later onXX/XX/XXXX XXXX XXXX called again to say I was not approved due to a problem with the mortgage insurance company. He stated that I was approved by Fay Servicing. I appealed this decision through Fay and just recently received notification that my appeal was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Bread Financial Holdings, Inc.
State: PA
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:
Pay pal credit closed my account because there was fraud associated with my XXXX account. Someone changed my address to a fraudulent address, I had to make several phone calls, at leasdt 6 hours worth!!!! They, and XXXX, were of no help to this mess! 
I called the XXXX, NY post office, and they found the items, and they are returning them to the sellers because they VERIFIED THAT THEY WERE MAILED TO A FRAUDULENT ADDRESS!. Now Pay pal, will not open up my account, when I took care of the problem myself, with no help from them!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
I want that accouont opened now!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: WELLS FARGO & COMPANY
State: NC
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:
There are 3 Credit Ratings Companies ( Top 3 ) all give me a credit score from XXXX to XXXX out of XXXX. Now it is very puzzling when they decide to give someone a credit card, why they fail to use the credit score? Or why they refuse how good this guy credit rating is? 

when I go buy a car, They tell me your credit score is in 5 percentile and very good. 

I have had business both personal and corporate with Wells Fargo BanK long before that started with XXXX XXXX XXXX XXXX NC and then Wachovia Bank, all of these are now within Wells Fargo Bank. So there is a clear knowledge base for the company to make decision. Nothing more important than the Credit Score which clearly show the character of the person getting the credit card. I had never had a returned check through out the 50 years of work experience and never failed to pay my bills, if they were mine, and not paying them ontime. 

The excuse they bring is " you need to do things to improve your credit score ''. This clearly show the persons who is actually reading and sending out these letters are not highly qualified people. 

The only plausible explanation is the pure prejudice because of my XXXX name, which by itself does not necessarily determine the character of the person. 

I would like to send you the two letters I received from these folks and you would explain how this can be anything else other than prejudice. 

The letters provide details needed, I did not include those details here. 

Please allow me to know how I can send you the letters from Wachovia. 

Sincerely

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 2017-09-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted Experian in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. I have even requested for a copy of any of the contracts I initiated with my signature to be produced to Experian where the accounts were " verified '', still nothing has been provided to me, yet they continue to report inaccurate information that is continuing to deteriorate my credit file.These items have been deleted from the other two agencies. The items are : XXXX XXXX XXXX XXXX and 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 2022-07-14
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Service denied my approved modification. XXXX XXXX XXXX sent Shellpoint Loan Modification Documents. I also sent them the same documents. I am a XXXX, low-income, XXXX, XXXX  veteran in a constant medical battle with XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX ( XXXX  ), Pain/Walking ( XXXX XXXX XXXX  ), XXXX ( XXXX XXXX XXXX ). I need this modification. My life depends on it. 

This started when XXXX  took possession of the loan simultaneously to creating documents of the successful completion of the XXXX trial payments approved by investor XXXX XXXX XXXX. It seems the grant got done but there never received the new modification documents from either XXXX or Shellpoint. My modification is XXXX XXXX XXXX XXXX months. Mortgage Payment {$1600.00}. I request either XXXX or the new servicer Shellpoint Mortgage Services send me the above-approved modification documents to sign. 

THIS STRESS IS KILLING ME!!!! 

Please Help! 

With the Warmest and Kindest of Regards XXXX XXXX XXXX email XXXX Home Phone : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-07-14
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my credit report and saw this derogatory account reporting on my file. I have never done business with this company and need them off my credit report. I want to rent an apartment but I know the potential landlord will not rent to me with this account on my credit report. I wrote and email them a letter and have not receive a response as yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Dear TransUnion, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX Bank Account number XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Date of Birth : XX/XX/1998 SSN : XXXX As proof of my identity, I have included my drivers license and a copy of our mortgage statement. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. You failed to do this properly the last time I wrote to you and if you fail to do so again, I will be filing my complaint and taking this issue to court. 

Sincerely, 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 2022-08-25
Company: Experian Information Solutions Inc.
State: MD
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2017-09-07
Company: Capital Accounts, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2017 AROUND XXXX XXXX est. Called spoke w a XXXX after seeing item on my XXXX XXXX which is not mine bill- has been previous disputed these charge amounts before. XXXX refused to allow me to dispute stated the time has came and gone to do that and its in collections now. I told him to Cease and Desist account- he refused to do this as wel.. kept saying send it in writing ... on everything i stated. very rude. felt threatened, and that it did not matter what i had to say, asked for supervisor said I could call back no one was above him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I initiated a TRIAL service with a company called JUST ANSWER on XX/XX/2020. On XX/XX/2020 a payment was deducted from my checking account in the amount of {$5.00} for the services I received. On XX/XX/2020 {$46.00} was unexpectedly deducted from my checking account. I contacted JUST ANSWER to request a refund and confirm I want no part of their services any longer. They could not find my account stating my email address was incorrect. I was on the phone with them for quite a while and a supervisor was to call me back within 1/2 hour. I received no call within 1/2 hour. I did receive numerous calls from the company with the automated prompts but that only took me back to the regular customer service. On XX/XX/2020 I again had {$46.00} deducted from my checking account. I called JUST ANSWER again requesting a full refund for all funds and discontinuation of any membership. I was told they could not provide a refund. I requested, again, a supervisor. A representative named XXXX contacted me from their escalations department. She again stated they could not refund any monthly membership payments but could cancel my membership which still showed as active. She stated I should have cancelled the membership within 7 days of the initial inquiry. When I initiated my activity with JUST ANSWER, I explained I wanted no continued services and I also contacted them on XX/XX/2020 cancelling any membership services. I have no confidence they will not charge me again in XXXX. I should not have to change my bank account number to resolve this membership deduction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-07
Company: EQUIFAX, INC.
State: CA
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:
A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2017-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted Transunion in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XXXX, XXXX, XXXX and XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. I have even requested for a copy of any of the contracts I initiated with my signature to be produced to Transunion for the accounts that have been " verified '', still nothing has been provided to me, yet they continue to report inaccurate information that is continuing to deteriorate my credit file.These items have been deleted from the other two agencies. The items are : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2020-11-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}, {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-09-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted Equifax in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. Equifax responds and states that they need additional information. However, I have supplied all information needed. Equifax then responds that they have verified the accounts with my date of birth, social and address. However, Equifax JUST,XX/XX/XXXX, updated my records with the correct date of birth at my request. Therefore, it is impossible that these accounts were verified accurately. I have even requested for a copy of any of the contracts I initiated with my signature to be produced by Equifax. Still nothing has been provided to me, yet they continue to report inaccurate information that is continuing to deteriorate my credit file.These items have been deleted from the other two agencies. The items are : XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XX/XX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions 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:
For 5 years, Experian and XXXX XXXX XXXX XXXX have yet to give me a copy of the permissible permission used to access my credit report on 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 2020-02-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and I discovered fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

The accounts are : XXXX XXXX XXXX / XXXX XXXX  account # XXXX amount {$510.00} XXXX XXXX XXXX account # XXXX amount {$4100.00} XXXX XXXX account # XXXX amount {$4900.00} XXXX/XXXX  account # XXXX amount {$1600.00} XXXX XXXX   account # XXXX amount {$8400.00}

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 non-monetary relief