BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have been having issues with paying the full payment each month to One Main Finacial. I have tried talking the ladies at the local office and letting them know that even though I am paying less than the normal payme I am paying something at least once a month. I receive harassing phone calls from them on a daily basis pressuring me to pay more that I can not afford to and now thy are calling not only me but my place of employment and my co borrower and his place of employment. I have asked them several times to stop since I am paying something on the loan each month and it continues everyday sometimes XXXX times a day. I am afraid they are going to cause me to loose my job then none of my bills will get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a complaint with CFPB on XXXX XXXX over wells Fargo giving us the run around for almost 3 months now and not helping us with our mortgage. Had a man from wells Fargo call me the next day on the XXXX and say how sorry he was and he would get working on it right away! He said he would have a decision by XXXX XXXX for me. Today is the XXXX, have n't heard anything from them so I called AGAIN! This time I was told my file had been pulled from review on XXXX XXXX and no more action has been or will be takin on this account. I was also told that they do n't do unemployment forbearance anymore they could only give me a lower payment for 6 months then on the XXXX month I would owe all of the past due balances for those 6 months. I 've been working with them since XXXX XXXX and have gotten nowhere! And does n't look like they ever had any intensions on helping me. I 've had my home for 5 years never missed a payment. And now because my husband got temporarily laid off for a few months seems our only option is bankruptcy. This ca n't be right, there has to be help out there for the American working family. Please help!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Let 's refer to complaint XXXX.Wells Fargo responding to a firm we hired to aid in the loan mod process stonewalled that firm for a long period of time.A complaint was filed XX/XX/XXXX move the process along WF response , ask for 60 days.On XX/XX/XXXX they moved for summary judgement.On XX/XX/XXXX they notified our firm l/m had been granted, and confirmed that onXX/XX/XXXX,4 days before having the court grant it.They again confirmed the L/M XX/XX/XXXX.IS THIS NOT CLASSIC WRONGDOING AND DUAL TRACKING!?

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 2020-04-04
Company: Experian Information Solutions Inc.
State: NV
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 are not my accounts, and I did not authorize these companies to pull my credit. Additionally, my personal information is wrong on my reports.

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 2017-11-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was a victim of identity theft 2 years ago. I sent 3 certified letters to XXXX requesting that they validate several items on my report and send me either a contract or something showing that these were my charges. After 3 attempts, they never produced the documents and this is unfair to me as a consumer. They also had an address in a state where I never lived. The below accounts were never validated. They sent me a letter stating that they validated the accounts but failed to provide me with anything. This is a direct violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was also a XXXX  account that was opened in another state that they did remove but not the 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 non-monetary relief
Consumer complaint received 2015-06-30
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This be on my credit reports. It is not anything I know of. Never wrote me, just put it on my reports.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
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:
i XXXX XXXX i was a Victim of Identity Theft i am having a problem with XXXX With a Fraudulent Account from Collection i Never Open any Account with XXXX XXXX XXXX with a Balance {$200.00} i contacted XXXX and Made A Dispute for this Account and XXXX Denied the Dispute and the Information was not remove from my Credit Report and i Contacted XXXX Today XX/XX/2021 and Open a new Dispute this account does not belong to me and is Fraudulent and i never lived at XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX also this address is Fraudulent Showing on My XXXX Report and also this Account Was Disputed with XXXX and it was Already Remove so i dont understand why XXXX Denied the Dispute investigation for this Fraud Account From This Collection Agency Coming From XXXX  i Never had any Account Open with this Company neither.

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 2016-07-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a fire in my home due to a lightning strike on XXXX/XXXX/16. Within 48 hours, I advised Wells Fargo, which stated they would send a " claim packet '' that would arrive within 5 business days. The following week, I called to check on the status of the packet, and was advised that a claim had not been opened with Wells Fargo ( further delaying any work towards moving back to my home ). The mailing address in my temporary apartment was confirmed, and a week later, I realized the packet was sent to my vacant home. WF then received my insurance check on XX/XX/XXXX, as well as my Contractor 's XXXX. I called on XX/XX/XXXX to check the status of the disbursement/pending items - and was told that the XXXX was not correctly filled out ( no one bothered to call me or the contractor to let us know ). Finally, after calling every day, on XX/XX/XXXX I received the check. When my contractor tried to deposit it on XX/XX/XXXX - neither of his banks would deposit due to my wife and I also showing as payees ( even though it was endorsed ). He even called a WF branch to ask if they would deposit ( assuming he opened a business account ), and was told my wife and I would have to show up for fingerprints. That same day, I requested another check be released showing only my Contractor as the Payee ( and provided written/signed authorization ). As of XX/XX/XXXX, I am XXXX % funding my own rebuild with the contractor, due to Wells Fargo 's inability to appropriately manage the claim process. Over 20 days since Wells Fargo has documented receipt of the claim check from Wells Fargo, my wife, my children and I have been given the ultimate option to continue to live without our home - OR, continue funding our own rebuild while WF sits on monies XXXX has provided.

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 2016-05-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
On XXXX XXXX, 2016, my son and I called Wells Fargo to apply for a Home Equity Loan. 
We spoke with XXXX XXXX ( Tel. XXXX ext. XXXX. ) She explained the process and told us it would take XXXX weeks to close on the loan. We told her that remodeling and updating was being done and she said that as long as it was n't a new home construction, it was OK. We were pre-approved, and were told that there would be a drive by inspection. When the inspector drove by, we were painting the exterior. He reported back to Wells Fargo that the house was under construction. After telling them that the house exterior was being painted, Wells Fargo upgraded the inspection to a full inspection of the interior, which increased the cost of the inspection and would take more time. Again we told them that the reason for the loan was to remodeling and that there were open walls. On XX/XX/XXXX, during the inspection, the inspector requested an estimate to sheet rock the walls. We emailed her the estimate on XXXX. 
The following week I called XXXX XXXX our Home Equity Specialist at Wells Fargo Consumer Lending Group ( XXXX XXXX XXXX ext. XXXX, email : XXXXXXXXXXXX ) to find out the status of our application and she told me that it was being reviewed by the underwriter. After a week, she told me that it needed to be reviewed by a XXXX underwriter. Last week, I reached out to customer service to find out the status of our loan. The agent told me that she would bring it to a manager 's attention. This morning, I emailed XXXX XXXX to find out what was going on. She called me at about XXXX to inform me that the loan was decline because of open walls in the kitchen. As a retiree, this has become a drain on me and my husband. We were taken in circles and had Wells Fargo been honest from the beginning, we could have gone to another bank. We are requesting that any fees ( including appraisal ) be refunded to us. Alternatively, we would still accept the loan if it were processed this week. Unfortunately, waiting 15 days for a response will not work given we have already been put in a position of hardship by Wells Fargo. We need to move forward with our projects, and their funding.

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 2021-09-27
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: NV
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 have contacted a XXXX credit bureaus and most recently XXXX to get my credit unfrozen and unlocked due to someone else accessing my account and chancing my information. And it keeps locking me out and most recently on XX/XX/XXXX there were memos placed on my credit report with information that isn't mine an a phone number I have never had. I moved to XXXX XXXX and recently had my wallet stolen and it has been a completely aggravating time trying to get my credit reports and credit back to where only I have access to it, even acquiring XXXX to help monitor my credit and my information from getting on the dark web and being used. I have had the most difficult time in an already stressful and difficult situation. I just want my credit reports to have the correct information and only MY INFORMATION and for the credit bureaus to do there job for me, a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
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 have no knowledge of several accounts on my credit reports I've requested validation with no avail they are in violation of the fcra 609 and 611 af this point please assist me with this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: SECURITY FINANCE CORP
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Manager at Security Finance released third party information about my loan to my ex wife. When I spoke to manager about this, she git attitude with me and told me she is within her rights since my loan was past due.

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 2015-05-28
Company: WELLS FARGO & COMPANY
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have both Federal and private loans ; fortunately, the income-based repayment for the federal loans requires a reasonable payment ( XXXX-time ever I am grateful for a XXXX ), but the private loan will not consider the fact that with its MASSIVE payment requirement, over half of my monthly salary goes towards student loans. It is crippling and because of the amount of loans in the XXXX place, they will not approve me for a consolidation or refinancing in order to lower the payment. They have absolutely no options for people who are being suffocated by student loans, and let 's face it, the education industry is n't exactly going to yield XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: CBC Companies, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusCollection account. {$210.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$210.00} Date OpenedXXXX Detailsunder dispute icon Currently Under Dispute Revolving Accountsshow XXXX  button XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$280.00} written off. {$280.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$280.00} Date OpenedXXXX Detailsunder dispute icon Currently Under Dispute Installment Loansshow XXXX button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeEducation Balance- Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow XXXX buttonSelect as many as apply XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX APARTMENT COMPLEX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I went to website to manage my account and this message came up I went to the website to review my account the I received the following error. 

Hmm, something's not quite right. 
Access seems to be down at the moment. Thank you for your patience - things will be up and running soon. 
XXXX TD Bank, N.A. All Rights Reserved Please investigate this website ensure that it working and operating according to United States Federal Regulation and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations Now this supposed be online bank made easy this is not easy when you are not allowed to access you bank account or make transfer to any account. I called customer services regarding this and they said that they unable access my account and make transfer to my checking I would have go into the branch for access is this legal to offer services and the bank and the customer services is not able to assist and please investigate this store or bank ensure that it working according to United States Federal Regulation and all misconduct and mismangement found all individuals involved be convited according to United States Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The specific nature of the problem refers to the terrible customer service of XXXX XXXX XXXX XXXX. Over two months ago I 've sent a payment via postal mail and I still have n't received a payment receipt. Every time I try to call I 'm transferred to someone that never answers the phone and whenever I do leave voice messages no one ever returns my call. This is a horrible way to treat customers who are trying to rectify their accounts. Unfortunately this has happened before ever since they 've had my account over the past two years. I need a payment receipt for payment made in XX/XX/XXXX and every payment I 've made since XX/XX/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 2021-09-27
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/2021 I received a letter by myloancare.com from XX/XX/2021 stating that my loan was removed my from Forbearance per my request. 
I NEVER MADE A REQUEST TO REMOVE MY LOAN FROM FORBEARANCE!!!!!!!!! 
As a matter of fact I had a phone call with their Loss Mitigation Department on XX/XX/2021 at XXXX XXXX. I was assured that I still have several month left on my Forbearance and my next Payment would be due on XX/XX/2021. 
I called them again today and asked to put my Loan back on Forbearance and that I will begin making Payments, as per their confirmation from XX/XX/2021. Unfortunately their Customer Service did not even try to help me. Like always, they forwarded my call to their Loss Mitigation Team, which I suspect doesn't even exist. I tried to call them at least 20 times under several numbers provided by myloancare, and nobody EVER answered the phone. I requested call backs with the customer service, never received one. I also sent several emails. All they do is provide pre written answers, that my email will be forwarded to their team of " Specialists '', and then you will hear never from them again. 
I do not know, who could have make a request to remove my XXXXoan from Forbearance, but I am thinking about handing this Incident over to my Lawyer for further Investigation and also file this complaint with you. There seems to be some fraudulent actions going on, and I want to get to the bottom of this.

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 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Since XX/XX/XXXX XXXX XXXX XXXX  ( Mortgage owned by XXXX XXXX XXXX ) stopped reporting the status of my payments, which were made on time. By failing to report the status of my recent payments, it lowers my credit score preventing me from re-financing. I have filed complaints with both XXXX, and then the credit bureaus. Transunion closed the complaint without changing the status of payments since XX/XX/XXXX. The payments should be reported as on time, since XXXX failed to report the status to Transunion. In XX/XX/XXXX, XXXX  XXXX XXXX stopped using XXXX XXXX  XXXX   to manage mortgages, and it is now with XXXX XXXX. I would like Transunion to change the status of the payments from XX/XX/XXXX to XX/XX/XXXX as on time or current instead of " not reported ''.

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 2017-01-27
Company: EVERBANK, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I just refinanced my mortgage with Everbank. My loan went through and the old mortgage was paid off. But in the time between the payoff and the automatic payment of my XX/XX/XXXX mortgage ( which was not supposed to be paid ), the bank took out the monthly payment, a mistake on their end, and instead of refunding that payment to me, they applied it to the new mortgage. I told them that I wanted the entire amount that they owed to me to be refunded. I am still waiting. They are telling me that they can only refund a partial amount. It was their mistake, and I want all of the money owed to me.

Company response to consumer: Closed with explanation