BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX/XXXX/2015 XXXX XXXX Equifax reported that XXXX remove a debit on my credit in the amount of {$3000.00}, Then after checking my credit report I notice Diversified had recycled the debt on XXXX/XXXX/2015 in the amount oh {$3000.00} I do n't feel this way doe doing business is fair or correct, as long as the the debt is being sold ther will never be an experationa date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
credit bureaus do not validate or verify any information with the court system, this has been verified by every Federal Court, and because of this, i want my Bankruptcy XXXX removed from all XXXX credit bureaus, as i have spoken with all XXXX credit bureaus, and they respond with the statement " we have validated this Public Record with the courts '' That is a Lie. They Have not Validated Anything according to every Federal Court queried. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I went on line with Equifax Credit Bureau to dispute a incorrect item on my credit report and instead of starting an investigation Equifax sent me a letter stating that they were putting a " fraud Alert '' on my credit profile and notified the other XXXX credit reporting bureaus to do the same. I did not request Equifax to put a " Fraud Alert '' on my credit profile nor did I give them permission. I requested an investigation into a item on my credit profile by law they are required to do. I want Equifax to remove the " Fraud Alert '' and notify the other bureaus that they notified and remove the same. This is the XXXX or XXXX complaint I have filed against this Bureau. If I ca n't get any help I will obtain an attorney and file a lawsuit against Equifax. I am still unable to receive my online free credit report. I am always told to send in the mail for my report. I am entitle to be able to download my report once I accurately verify the questions. I have asked the CFPB to investigate this XXXX and you have taken the word of this company that their is no block preventing me from accessing and downloading my credit report. Equifax is the only bureau that I have problems. I want this " fraud Alert '' removed immediately and I would like verification that this has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I investigated the negative items on my reports that were not mine and I have not receive any proof of the proper actions taken. My accounts were not properly investigated. Equifax failed to abide by Section XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: FL
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 have contacted Equifax and mailed the information and uploaded it. This is still showing on my credit and I was informed that my credit will be updated in XXXX hours. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since the inception of my loan XX/XX/XXXX with XXXX and XXXX XXXX I have never had an Escrow account and I have always paid my homeowners insurance and property taxes. 
Just to give a little background ; I had a mortgage with XXXX since XX/XX/XXXX, effective XX/XX/XXXX the mortgage was serviced by XXXX XXXX XXXX XXXX, with no issues with the transitioning of the loan, my monthly payments of {$380.00} was due on or before the XXXX of the month without receiving additional service charges. During XX/XX/XXXX, I was informed that Seterus will be servicing my mortgage loan starting in XX/XX/XXXX. Unfortunately, since Seterus has taken over the loan, the transition has been a nightmare for me. The proper documentation ( statement of account with loan account details ) was never received. The Notice of Servicing Transfer and Welcome letter was not received, hence I was not given the proper information as to where to send my monthly mortgage payments of {$380.00}. 
Prior to XXXX XXXX, XXXX, I did not receive a statement from Seterus stating the amount of the loan or the transfer amount for verification purposes. Since the first notification nothing was ever received from Seterus. On XXXX XXXX, XXXX, I received a call from a Seterus representative stating that I was delinquent. I informed the representative ( XXXX ) that I was not made aware of where to send my payments, or the transfer loan amount. I further stated that I have the funds in my checking account, and the funds were transfer on XXXX XXXX, XXXX, in the amount of {$770.00} to Seterus, which represented XX/XX/XXXX and XX/XX/XXXX mortgage payment. I was charge late fees from Seterus, not due to my error but theirs for not sending out the proper documentation for me to pay my mortgage ( on recorded line, a representative stated that I was not mailed out any letters ). 
On XXXX XXXX, XXXX I received a Escrow Account Statement for my loan, which stated that I will be paying {$660.00}, I contacted Seterus and made them aware verbally that I am responsible for my property taxes and insurance. I was informed to send fax a letter stating those facts. I did on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX, the representative further stated for me to continue to make my monthly payments of {$380.00}. I have made my monthly mortgage payments of {$380.00} and Seterus is not apply my payments and has put me in default. My credit report has been hindered, Seterus is stating that I am 31 days past due, I have spent hours on the phone with their representative stating that they are going to apply the fund properly. I have be threaten with foreclosure. Seterus needs to be evaluated with their business practices. I have lived in my house for 15 years and had no issues until Seterus has taken over my loan servicing mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
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: Information belongs to someone else

Complaint:
Hello, Today is XX/XX/2021. I am looking to fix information on my credit report which should have been taken care of along time ago. At some point someone stole my identity and used my synchrony bank credit cards. I never made these purchases. I had 2 store cards. I never signed anything or gave anyone my consent to use my credit cards. One says for the amount of {$650.00} and the other {$810.00}. The collection agency names are XXXX Rc and XXXX XXXX XXXX. In the past I have called XXXX going back over 1 year ago about the situation multiple times. I was told they would put in theft since I never authorized anything and I would not be responsible. Now I am getting the run around which is why I am coming to you guys for help. I have been told by friends under the fair credit reporting act alone of letters I sent in that this should be removed from my credit as it's been way over 45 days since my original complaints went in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for my Discover It Secured credit card on XX/XX/XXXX, and was required to pay a security deposit and complete identity verification before the card could be opened. My security deposit was withdrawn from my bank account on XX/XX/XXXX, and Discover confirmed that my information was verified on XX/XX/XXXX. I received my card and it was activated on XX/XX/XXXX. On XX/XX/XXXX, I received an email notice that my account was closed because Discover was unable to verify my personal information. This was after I have spent the past month completing the verification process and having it confirmed. It was a prerequisite to opening the account, so if I wasn't verified the account wouldn't have been opened. There is no reason to now close my account immediately after successfully opening it, before I have even had a chance to use the card. 

I have contacted Discover and they did not resolve this issue or give me any additional information. I was only given a XXXX XXXX mailing address to write to them about the issue, which is not acceptable to me due to the slow nature of mail communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
When I pull my Equifax credit report from a credit monitoring site, I receive a report with XXXX trade lines. Contacted Equifax about this and they verified that I have XXXX files. Stated that they will merge the files. Dispute results state that they ca n't merge the files, and did not send me a copy of the other file. I have tried numerous times to pull my equifax report, even from myFico to check the score. The report with XXXX trade lines always comes up. I am unable to pull a report with my positive trade lines ( XXXX accounts ) and ca n't get a credit score for the report with the positive trade lines. I have no idea what is actually on the second report, which creates a problem with applying for credit. If I pull the report from the equifax dispute website, I alway 's get the report with only XXXX trade lines on it. As the consumer I do n't feel that I should have multiple reports. If there are multiple reports I should be able to access all reports, as I am paying a credit monitoring company to view these reports. As stated above although I know what should be on my credit reports. It is difficult to decide credit related decisions without actually seeing what is on the report, or what the credit score is. Thanks in advance for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, I'm XXXX XXXXXXXX XXXXXXXX XXXX XXXX  of XXXX XXXX XXXX XXXX XXXX in the state of Georgia, USA. 

Our congregation supports missionaries across different countries in XXXX XXXX, through our support we help them meet their financial needs. So far we have a list of almost 20 people that we are currently supporting, sometimes we even send money for special projects or unexpected needs such as : family deaths, travel, surgeries and education expenses. 

In response to the continuous block of our accounts and transactions, I have submitted the documents requested to Western Union and I keep being blocked from sending money transfers. I have requested the reinstatement form and submitted a bank statement to Western Union On XXXX XXXX, 2021, at XXXX XXXX and XXXX, XXXXXXXX XXXX XXXX at XXXX XXXX XXXX. and I have not received a response. 

Today XX/XX/2021 I called western union to request a refund that one of our receivers claimed and they do not want to pay. 

This is the money transfer details. 
XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXX XXXX # ( XXXX  ) : XXXX XXXX XXXX I hope we can clear this out ASAP. Our people is in need of our support and we have encountered many problems with your service resulting in significant delays. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I set a bill payment to my XXXX bank credit card account from Santander Bank on line banking, but XXXX bank did not receive the payment. I call Santander bank, the Rep. said they mail out the payment on time, this is post office problem. But he said you can mail the XXXXcredit card statement to our bank and attention Case management, we will refund the late fee city bank charge you. I did mail the copy of credit card statement to the Santander bank address he gave to me on XXXX XXXX. After one month, I called again, another Rep. said the address is wrong and they do not accept, you must fax over the statement. She gave me the fax number .The fax number is no answer. Then called again, gave another fax number. That fax number is communication error .THis morning called again, they said your fax matching is no good, change another fax machine.

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
Consumer complaint received 2016-09-27
Company: WELLS FARGO & COMPANY
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Only gave me one option for lowering my payments but only taking my rent in to account and not other bills that I have to pay monthly. I am more than willing to try and start payments, but can not afford the full payment at this time.

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 2022-11-27
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
WELLSFARGO All Banks XX/XX/2022 XXXX I have contacted Wells Fargo and XXXX I DID NOT AUTHERIZE THIS INQURY and i have no open account to dispute for fraud relating to this inquiry please provide proof or remove inquiry

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 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This is my second complaint against the bureaus. They are being ticky tacky about things so I guess I will be to. Since they want want to specific disputes I guess I will list all of them kind of stupid since they already know them .Here the list they wanted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX 'S XXXX XXXX XXXX XXXX XXXX XXXX All of these are over 7 years old and need to be remove from my credit reports. I dont know what other information they could possibly want 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 2016-03-10
Company: Alliant Capital Management LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Received a call from XXXX asking to verify delivery of legal document. When called back a recording states, " you have reached the location verification division please call XXXX. When that number is called it is the phone number of Alliant Capital Management XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX - XXXX Compliance - XXXX XXXXXXXXXXXX. 
I have determined it may be or posing as a debt collection company. I have no debt, no failed loans perfect credit.

Company response to consumer: Closed
Consumer complaint received 2015-12-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As a XXXX veteran ( XXXX ) with a XXXX status accorded me by VA, I qualified in 2013 for a VA mortgage, which in New Jersey means that I do not pay property tax. Despite this, my mortgage lender, Wells Fargo, has not only required me to pay property tax as part of my mortgage payment, they have demanded the municipality send my tax refund to them. They have also then held the full amount, over {$4000.00}, claiming it is needed for escrow to pay my homeowners ' insurance, despite the fact that the homeowners ' insurance is under {$1000.00}. Additionally, they have held the refund payment for a full year, despite the fact that the insurance premium was paid on time six months ago. 

Despite several appeals to Wells Fargo and a full-scale effort to get things cleared up by the XXXX, I can not get a coherent answer to why Wells Fargo needs the money I have been exempted from by the government due to my service record. They send me forms that make no sense to me. Their replies to the XXXX inquiry were simply inscrutable. 

I need help. I am unable to work. I am under continuous VA medical care. I was told by VA, the state of New Jersey, and the municipality in which I live that my service record entitles me to not pay property tax. Why should I pay tax to Wells Fargo?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Applied Resolutions Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This debt collector called me, my employer and my minor daughter. When told to no longer contact or speak to my minor daughter, they stated they would not agree to not call her. They gave out personal information to others. They have also threatened to get me fired. They have in the past threatened my parents as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/2018 I purchased a home with XXXX  XXXX  service and I made my payments and they report as late. 

Payment was made on time. 
They destroy my credibility and credit worth. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/2018 I purchased a home with XXXX  XXXX  service and I made my payments and they report as late. 

Payment was made on time. 
They destroy my credibility and credit worth. I need help please.

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 2016-12-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a loan modification or forbearance with Wells Fargo since 2013. I work in a XXXX and have a 20 % interest that shows on my taxes. I was working with two representatives of Wells Fargo and each requested paystubs bank statements tax returns. One person held up my file for 3 mos.until I could get the business tax returns. 
I tried to explain that I do not own the XXXX I work there I get a XXXX. 
The next person that was assigned said that I did not need the tax returns. Now re-entry said that I can do nothing to saver my home because of the time that lapsed. Wells Fargo created these issues. I had three different underwriters, m one requested documents and he left the company. One Underwriter was transferred this underwriter requested over XXXX documents. The last underwriter and person assigned took less than a day to say that I did not make enough income even after my father provided his taxes and proof of income.There was a sale date on my home. I need help to save my home. My whole family is now living in the house with me. We are all working. I want to keep my home. Please 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 explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: TX
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 submitted a letter back in XX/XX/2020 and again in the beginning of XX/XX/2020 and my letters are being ignored. Also I have many duplicate accounts on my report, false late fees, and bankruptcy past XXXX years old and many other discrepancies keeping me from closing on my house. This is so unfair to me as a consumer, the bureaus are ignoring peoples needs and not sending letters back.

Company response to consumer: Closed with explanation