BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-01
Company: Phoenix Financial Services LLC
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thank for your help. I am making a complaint in hopes of speeding up the process so that I may move on to informing my mortgage bank about this error on my file being removed. Detail reasons of this error is explained in attached files but in short I believe said debt is not mine and I was not provided absolute proof the debt is mine. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We did a short sale on a mortgage in 2013. We had a mortgage with Wells Fargo which was a VA loan a that time we had a balance of of {$250000.00}. Wells Fargo agreed to the sale price of {$240000.00} and after all fees the sales proceeds were {$220000.00}. which left a balance of {$32000.00}. We received an agreement from Wells Fargo prior to the closing that they would not seek any deficiency balance. I have just been informed by VA home loan certificate dept that Wells Fargo did request the balance from them in the amount of {$64000.00} which is {$31000.00} above the deficiency balance. Now in order for my husband to get back his entitlement on his VA home loan certificate we will have to pay {$64000.00} to the VA. My question is was Wells Fargo within their right to seek the deficiency payment ( after they told us they would n't ) and if so, are they allow to profit {$31000.00} from it requiring us to be liable for that amount to the VA??

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 2020-04-08
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 is incorrectly reporting an account where I am shown as an Authorized User on XXXX  CARD - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  has removed this line item from my credit report. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX should not be reporting to XXXX and Experian a collection/chargeoff in the amount of {$3400.00} on THE XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) On XXXX I provided the apartment manager a formal written notice, signed by a notary, that I would be vacating the premises and terminating my lease that was ending on XXXX. This notice was provided within the ( 60 ) day time period outlined in my lease. I have attached a copy of the written notice which was notarized for reference. This account is not in collections, there is no outstanding debt owed. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted The XXXX Apartments, as well as the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This complaint is a continuation of complaint XXXX. Since XXXX of last year I have tried to constantly resolve an issue of a balance transfer that was done in error by Citi bank. The company offered me a 0 % balance transfer rate and every month, I keep getting charged interest and I keep getting a rash of excuses of why the issue is not fixed. I've heard, well, your payment was late, you do not have a promotional rate, and the last couple months is, that is interest that was carried over and we will remove in on the next statement, but they expect me to pay the interest which is forcing me to pay more than the minimum balance every month. Since XXXX, the interest is detailed on my statement as XXXX XXXX XXXX like part of the offer is subject to interest. I have tried to resolve this and keep getting the lame excuses of why it is happening and the continued harassment and what has actually amounted to about 12 hours of my time, wasted. Phone calls, complaint letters, pouring over statements, etc. This time, I spoke with XXXX XXXX, XXXX. I am asking for the Bureau to step in and make a phone call because my actions of calling, complaining, and writing letters does not seem to be motivating enough to fix the problem. All someone has to do is go into the account and type in the right information and this seems to be too difficult for Citi bank. Citi bank is being willfully negligent at this point.

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 2022-05-05
Company: HW Holding, Inc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have never had a contract with XXXX XXXX and HUnter warfield is attempting to collect a debt to for a company I have never done business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion should not be reporting the collection/chargeoff in the amount of {$5600.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance and be closed. It is being reported twice and this is a violation of the Fair Credit Reporting Act. This false reporting of a collection/chargeoff is seriously harming my XXXX XXXX and this line item needs to be updated to report {$0.00} balance or removed. I have contacted the bureau to remove this however, I have not been successful.

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 2017-01-10
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Account was flagged for fraud. This account was a account that was opened for a specific reason. The account had very little activity as the reason for opening the account did not play out as soon as I had thought. After I attempted to finally use the account I found that there was activity several months ago that was not from me. The account was flagged for fraud rightfully so but TD never reached out to me to let me know. TD customer service says they tried to contact me via telephone one time but i do not have voicemail regarding my TD account. Several months later when i discovered the issue TD says I will most likely have no actions taken to retrieve the money as it was far to long ( roughly 6 months ). I dont believe I was contacted properly and I do not have a paper trail or voice mail. my complaint is for the lack of effort on a banking institution to contact a customer when fraud is being committed. The money is a small amount but what truly bothers me is the lack of help i received from the bank after being a victim of fraud and robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Home Loan Center, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
In early XXXX I was shopping around to find a loan for a new car purchase. During my internet search I was directed to Lending Tree at which time I was lead to believe that I was shopping for companies with the best rate. I submitted basic personal information, but at no time did I understand that I was submitting an application for a loan. I ended up going with a local financial institution, but this week I received a letter saying that I had been denied a loan with XXXX XXXX XXXX . I do not recall submitting an application for a loan, and believed that I was only inquiring into details of loans. So contacted XXXX XXXX XXXX and the representative proceeds to ask for my information. Name, phone number, and then the last four of my social security number. At that point I declined verify any additional PII data because I never shared the data with XXXX XXXX, but the representative confirmed that the application came from Lending Tree. 

My issue is that Lending Tree is very misleading. There are a bunch of data points that are being collected upfront, and at no point was it ever disclosed that I was submitting an application for lending. If I knew that I was submitting an application I would have stopped or never started the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I checked my LexisNexis consumer report and it showed two different bankruptcies on it. One from XXXX, TX and one from XXXX, TX. Did not give any written consent to LexisNexis to publish these. I beleive thats a violation of my consumer privacy. I sent LexisNexis a certified letter on XXXX asking them to remove the bank bankruptcies. I sent a certified affidavit on XXXX showing LexisNexis all the consumer rights that they have violated since I am a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
I would like to issue a complaint that Wells Fargo violated several acts of Mortgage Fraud and Predatory Lending. Should I seek legal counseling, he/she will contact the appropriate parties. 

The term " mortgage fraud '' is typically used to describe fraudulent practices by borrowers in order to secure loans they can not afford to repay or to secure loans that exceed the value of the home or homes in question. Because they do not involve defrauding the government, these cases have nothing to do with the False Claims Act. However, fraudulent lending in cases where mortgages are guaranteed or insured by the government does constitute a violation of the False Claims Act. 

Since the financial crisis of 2008, the Federal Housing Administration ( FHA ) and the Department of Housing and Urban Development ( HUD ) have become major players in the housing market. In fact, more than 40 % of new mortgages today are backed by the FHA through loan guarantees and mortgage insurance. Lenders may also obtain mortgage insurance from the FHA to hedge against mortgage defaults. 

If a lender knows that it can purchase mortgage insurance on a particular loan, it may be more inclined to lend money to an unqualified borrower. Taking out FHA mortgage insurance on a loan that the lender knows to be fraudulently obtained or likely to default may be a violation of the False Claims Act because it involves claiming federal funds based on fraudulent activity. Any other type of fraud or falsification related to obtaining or making a claim against FHA, mortgage insurance may also violate the False Claims Act. 

Reporting mortgage fraud against FHA or HUD is a public service because it helps the government recover funds needed to help Americans legitimately secure affordable housing. That public service is rewarded under the False Claims Act, which allows whistleblowers in successful cases to receive a substantial percentage of the money recovered as a whistleblower reward.

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 2021-06-03
Company: Centron Services
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Centron Services Inc, also known as XXXX has failed multiple times to delete this collection item off all 3 credit bureaus. They have been advised by me that a notarized letter was sent to the original creditor on XX/XX/2021 and the original creditor stated that a notarized letter would discharge and remove the debt. XXXX thinks they are above all FCRA and government regulations and verbally stated to me that they were not removing anything. XXXX has provided me documents in the past of false documents that have a signature that does not belong to me. XXXX is also not able to verify who the debt actually belongs to. Therefore, this collections agency is subject to violations of section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you Centron Services Inc has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. please see attached correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed with transunion last year in XXXX about discrepancies on my credit report. The balances were in accurate. There were some accounts showing late when they were paid etc. It took about 3 weeks to resolve but we did! I asked for a copy of resolve letter and they provided me with it. So my question is this ... Why is my credit still showing all these negative accounts!!! I have the document that they sent. If this is not resolved, i will be taking this to court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I would like Chapter XXXX bankruptcy judgement removed on Transunion credit report and XXXX credit report.It has been passed seven years.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 2015-07-20
Company: ERNST, ARTMANN AND ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a medical debt in the mail that was not mine. I wrote the collection agency Ernst , Artmann & XXXX, INC to inform them the debt was n't mine and I was a victim of identity theft. They responded by writing on top of my letter with " this is not a credit account ... '' and again I disputed the debt because it was n't mine and was a result of ID Theft. They again returned my letter I written with a handwritten response on my letter and failed to adhere to the fact the debt was n't mine and a result of ID Theft. This debt is fraudulent and has never been validated. It was been past the 30 days as law provides to validate this debt. 
I then check my credit and found the collection agency reported this fraudulent account on my credit file causing a major credit diminish to my exceptional. 
This collection agency never validated this debt within 30 days and then knowingly and purposely reported this fraudulent account that is not mine on my credit report. 
The is a defamation of my character, malicious intent and a violation of my FDCPA, CA XXXX XXXX and California Identity Theft Act

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: ALLY FINANCIAL INC.
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had to file Bankrupcy and though the XXXX Ally Finical continued collection ativity. After my discharge and having reaffirmed the debt I arranged a payment arrangement to catch up on my past due and remain current. I received a " final demand ; letter '' despite my payment arrangement and I am being threatened with repossession despite thAlly agreeing to the payment arrangement being made and the Bankrupcy and collectiions person telling me that as long as I held to the arrangement this would not happen.

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 2021-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

3. Identity Theft XXXX XXXX  Account Number : XXXX**** This is not mine.

4. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

5. Identity Theft BK OF AMER Account Number : XXXX** This is not mine.

6. Identity ThefXXXX XXXX XXXX  Account Number : XXXX**** This is not mine.

7. Identity Theft XXXX XXXX  Account Number : XXXX**** This is not mine.

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 2021-06-03
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were under a repayment plan 5 months ago. Only had 2 more payments to make under the repayment plan. I called to see if I could pay the regular payment instead of the full repayment plan. The representative said they could not take that payment and suggested we do a short forbearance. We requested a forbearance period in XXXX. From XXXX til XX/XX/XXXX is the forbearance. I called today XX/XX/2021 to let them know we could continue the repayment plan XX/XX/XXXX. I was told in order to restart the repayment plan we needed to pay {$7000.00} upfront and restart the payment plan for 5months. If you requested a forbearance why do they think you would have {$7000.00} available???? Is it their way of putting the house in foreclosure??? I suggested we could probably have {$3000.00} down payment but that is not enough. Our only option is to do a modification???? 
We really don't need a modification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over XXXX letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over XXXX letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my 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 explanation
Consumer complaint received 2020-04-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Account XXXX is over the 7 year mark for reporting, as a consumer i have the right to dispute information passed the 7 year reporting mark. This debt is a zombie debt and the credit bureaus keep trying to sneak more months onto the term. I have proof in emails where my FINAL payment was made and the final payment was over 7 years ago. So please remove this old zombie debt.

Company response to consumer: Closed with explanation