BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: Hunt & Kahn, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I OWE A BALANCE ON A CREDIT CARD, DUE TO CIRCUMSTANCES OUT OF MY CONTROL I FAILED BEHIND. I WAS TAKEN TO COURT, THEY WOULD ONLY EXCEPT XXXX A MONTH, I TOLD THEM IT WAS MORE THAN I COULD AFFORD I WOULD TRY. SHORTLY AFTER THAT, THINGS GOT MUCH WORSE MY SISTER, XXXX XXXX XXXX, FEEL TERMINAL SICK WITH XXXX, I HELP ALL I COULD. WE LOST HER XX/XX/XXXX, OH PAY THE WAY THIS COURT DATE WAS IN XXXX. THEN I ENDED UP IN THE HOSPITAL VERY SICK DUE TO THE XXXX. ALMOST MY XXXX  WAS XXXX I WAS IN XX/XX/XXXX FOR 4 DAYS, THAT WAS XXXX, OF COURSE I WAS VERY WEAK TRYING TO JUST MAKE IT, AFTER THAT MY MOM HAD A XXXX WE LOST HER XXXX OF XXXX, THEN XXXX OF XXXX I HAD XXXX XXXX MISSED A MONTH OF WORK, SO YOU MIGHT UNDERSTAND WHY I WAS STRUGGLE TO MAKE IT, THEY CHARGE OVER XXXX WITH COURT COST FOR A XXXX DOLLAR BILL, THEY TOKE EVRYTHING EXCEPT XXXX FRIDAY XX/XX/XXXX, AND INSTEAD OF TAKING THE XXXX DOLLARS THAT ARE LEFT ON THIS BILL THEY ARE TAKING XXXX THE COMPANY IS HUNT AND KAHN PA. PLEASE HELP XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
WELLS FARGO BANK WON'T LET ME ACCESS MY SAVING ACCOUNT WHEN I TRIED TO DEPOSIT CASH IN THE ACCOUNT THE REFUSED TO ACCEPT CASH AND TOLD ME TO GET A MONEY ORDER. WHEN I CAME BACK WITH A MONEY ORDER THEY REFUSED TO ACCEPT IT AND WOULD NOT TELL ME WHY. ALL THEY SAID WAS MY ACCOUNT WAS FROZEN.

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 2015-08-03
Company: FORD MOTOR CREDIT CO.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Received un unsigned letter from Ford Credit informing me that they had unilaterally increased the amount of my loan by {$1500.00} due to a maintenance contract. The maintenance contract had been paid by a Visa card. I have the receipt. 
A company should not be permited to 1 ) increase the amount of the contract ( loan ) without prior approval. 2 ) should not be permitted to send out a letter such as this without a name, phone number and/or e-mail address to respond to. 
My understanding of the Dodd Frank legislation is to prevent things like this from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent one of my first letters to the three credit bureaus to dispute the accuracy of student loans from the Department of Education ; with the account numbers XXXX on or about XX/XX/XXXX. Among the inaccuracies I listed was that the Department of Education, and DEPTEDXXXX duplicated similar derogatory information for the same student loans. It is negligent for TransUnion to allow Department of Education and DEPTEDXXXX  to Morph or duplicate negative credit information for the sole purpose of injury. After 73 days of inaction, it is clear TransUnion doesnt want an amicable resolution. 
Another inaccuracy with the Department of Education account on my credit report is the date a single account was opened. Transunion is : XX/XX/XXXX and XXXX is : XX/XX/XXXX 5 U.S. Code 1681i : Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer I have attached my account information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX You will see that my student loan is in Forbearance. 
A fair resolution is for TransUnion and XXXX to immediately delete the four Department of Education accounts listed on my credit report for not complying with FCRA.

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 2016-04-08
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Under lawyers Lein lawyer took case on contingency, I had My exam. After signing the retainer agreement the lawyer did not do due diligence and did not find out the person at faults insurance did n't cover my expenses.

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 explanation
Consumer complaint received 2021-04-06
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Its really bad when you have excellent credit, can payoff your loan with liquid assets you have in the bank and are only asking to borrow 48 % of the value of your home that you can not get loan approval from PNC. I will definitely let others interested in home loans not to bother with PNC. 
On the other hand, I dont blame PNC, I would rather make 5.75 % on an investment than 2.75 %. 

This is an email I sent to PNC. Seeing that the above is true and correct, I feel that Im being denied a refinance loan due to the fact that two ( 2 ) XXXX and senior woman applied together for this loan that we are being discriminated against. 

I never received a response to this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There are several discrepancies on my credit report. I had initiated a fraud alert but the very items in question proceeded to collections. The judgments have been ruled in favor of the collection agency based on fraudulent address ( utility bills and cell phone bills ). 
Also due to unemployment, I lost my home due to foreclosure after that I received an amended tax bill stating the credit card balances has been recorded as income on cards that we settled through a debt settlement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XX/XX/2016 I sent a letter to XXXX XXXX disputing a alleged account that I do not recognize. The amount was for {$880.00}. Today is now XX/XX/2016 and I have yet to get a response from them disputing my letter. This is in violation of the law for fair reporting. They have taken more than 30 days to furnish proof that the account is 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 2018-05-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a very hard time with Wells Fargo mortgage. I am trying to do a short sale to avoid foreclosure. Previously, we had been trying to save my home through a modification but was declined. I have fallen behind on my mortgage after my husband was diagnosed with XXXX. My husband XXXX XXXX XXXX on XX/XX/2015. I have recently tried to do a short sale with Wells Fargo but they have refused to let me do one. Wells Fargo is stating that my home is worth {$890000.00} and would not look at my offer. My home is not worth {$890000.00}, this is 100 %, ABSOLUTELY, PURE BANK FRAUD. Wells Fargo seems to never change and is up to the old tricks again. Wells Fargo has not done an appraisal on my property, they have only run comps from Iowa, on a computer. In the area I live in, that is not smart. I have also sent photos, and list of repairs need on the property by licensed contractors. This home needs a rehab. With the medical hardship, our family went through we have been unable to keep up with needed repairs. Wells Fargo is stating this does not affect the price of the property, which again, is pure fraud. We have several, brokers, title companies, and appraisers tell what they feel the property value is at. This property is worth {$680000.00}. We are submitting the highest and best offer to Wells Fargo for short sale review and to avoid foreclosure.

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 2015-08-24
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Caller ( Ph # XXXX ) claimed to be with Arcadia Recovery Bureau, asked for me by name, then asked for my birthdate as a verification. Caller refused to disclose the nature of the call unless I furnished her w/ my birthdate. I terminated the call. I have no knowledge of the agency named, but it 's evidently a collection agency. I 've no knowledge of any debts that would have been given to such an agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A collection account that was place on my credit report by XXXX XXXX XXXX XXXX NV XXXX XXXX NV XXXX Account # XXXX. This is Identity theft is a fraud account, TransUnion let this company put a fraud account on my credit report with proper documents to prove this my account and second this collection company has never mail me anything regarding a collection account and as well as the original creditor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Please have lates removed from XXXX 2010 XXXX XXXX account. Account was under bankruptcy at time of reporting.

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 2015-12-04
Company: ALLY FINANCIAL INC.
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a permanent resident. I do not yet have a SSN. Ally online bank flatly refused to let me open an account without one although I explained that the gov.ss states I do not need one to open a bank account. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX make the online process impossible without a SSN.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I took the no penalty forbearance offered by Mr Cooper regarding my loan XXXX during a year 's time due to Covid etc. At the time I was told I'd have an opportunity to discuss the payback options. As of XXXX, my year was up and it was time to make a decision, however I seemed forced in to a loan modification which added to the principal. I actually do not know what happened and that's the issue. I email Mr Cooper from my portal and ask for details regarding the loan mod. I'd like to know if any terms were changed and if so, what, and to ensure it's correct for me, but nobody replies to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My only name is XXXX XXXX XXXX. I see another name, XXXX XXXX, listed. I think it 's a typo.

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 2017-01-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have tried multiple times to have this dispute resolved. I have disputed the Bankruptcy that is showing on my report and the Bankruptcy still remains. I would like for Credit Reporting Agency to provide their method of verification on this. I have already spoken with the court that is listed on the Credit Report and they deny supplying information to the Credit Reporting Agency as it relates to Bankruptcy. The Credit Reporting company claims to have received its information in speaking with someone at the Bankruptcy Court, but the letter attached proves this to be untrue. I have tried several times through this method and others to have the CRA provide me with their method of verification and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: DISCOVER BANK
State: WI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I initially invested in a 7 ye ar CD with Discover Bank. The CD matured a  nd I allowed it to be automatically reinvested in another 7 year CD with Discover. I decided to close the CD and understood that I would incur a penalty for early withdrawal. My previous documentation from Discover Bank stated that early withdraw penalty would be 15 months simple interest. After closing the account I was told that I would have to pay 24months simple interest for a penalty. I never received any documentation from Discover Bank bef ore the renewal indicating the change in terms. I just received a letter saying it was renewed with the new interest rate. I feel the penalty was excessive which actually cut into my principle. They not only use money for free 16 months but decided to take a little extra for themselves. My main complaint is that Discover Bank never sent information of the change in term s of the CD rene wal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Experian Information Solutions 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:
I SUBMITTED ID THEFT DISPUTE TO ALL THE OF THE MAJOR CREDIT AGENCIES WITH FULL POLICE REPORTS. XXXX  AND XXXX  WE'RE ABLE TO REMOVE THE FRAUDULENT ACCOUNT BUT EXPERIAN REFUSES AND REFUSES TO PROVIDE INVESTIGATIVE DETAILS FROM THE COMPANY IN QUESTION THAT PROVE THAT THIS ACCOUNT IS MINE. THE REFUSE TO BLOCK THIS ACCOUNT AS IS MY RIGHT PER THE FAIR CREDIT ACT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: Alliance One, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Please be aware that my name is XXXX. On XX/XX/XXXX, I received a letter in the mail titled by the company name Alliance One, Receivable Management XXXX. which is a debt collector agency. I called them up and come to find out they were trying to collect on a Debt that was transferred from XXXX even though I was already addressed that the debt was time-barred and had reached it statute of limitations dead line as of XX/XX/XXXX this debt happen to be the debt that was allegedly owed to XXXX Court of XXXX. Please note it is illegal for anyone to try and collect on this debt since it is time barred. The customer service representative of Alliance One told me that it was a "Fresh Debt" which is not true. I believe XXXX is in violation and may have purposefully tried to reset the time on this debt which is also ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Stearns Ventures, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
on XXXX/XXXX/2015 we ordered a payoff statement from Stearns Lending. On XXXX, having still not received a response to our request, we contacted Stearns and were told to email the request and we would have the payoff XXXX. When we did not have it by XXXX, we called back and were told we would have it by XXXX. When we still had not received it by Monday XXXX, we called back and spoke with a supervisor who asked that we conference our client in for verbal authorization. Upon doing so, we were told once again that we would have the payoff in an hour. Tuesday XXXX, still no payoff received. Called Stearns again at XXXX. They asked that we conference the client in for a verbal authorization. When I pointed out that I was simply following up on the call from the previous day when verbal authorization was provided, we were told that the request was being expedited. At XXXX we called again and were told that our authorization was expired and no payoff would be sent. We were connected with the same supervisor from the previous day, however, in this conversation he stated that a verbal authorization would not be accepted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: VA
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 to let them know there were a lot of fraudulent inquiries made there were 28 of them. And I was hoping that they would remove them without having to go through this process but they said they could not and I had to file a report with you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill from XXXX of Michigan for services received in XX/XX/XXXX. I paid the fee of XXXX on XX/XX/XXXX. I received several calls from XXXX stating I did not pay the XXXX. I told the company the date the payment was made and the check number. The clinic continues to call and write me regarding this bill. I sent a copy of the cashed check. I also requested they no longer contact me. The company received a COPY OF the cashed check. The company received a copy of the cashed check on XX/XX/XXXX. XXXX sent this account to a collection agency, Transworld System Inc. I informed TSI that the payment was paid on XX/XX/XXXX. Despite evidence of this paid bill TSI has continued to call and send collection letters. 
I believe the companies, XXXX and TSI are harassing and extorting money. The next game they will play is to continue to pass this alleged bill onto other companies. 
I am requesting the following, 1. the harassment to stop 2. An apology from both companies 3. XXXX  XXXX  dollars for their unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( experian, equifax ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove it to the others bureus sending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities. 
i already fix the problem with the irs and i have the documents to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Seterus has been notoriously slow in processing my client 's loan modification. My client was approved for a HAMP trial modification back in XXXX XXXX to begin XXXX/XXXX/XXXX and end XXXX/XXXX/XXXX. He completed the trial successfully. It then took 5 months for the borrower to receive permanent modification documents. We signed and returned them in the beginning of XXXX XXXX. Ever since, I have been trying to ensure the modification is processed and finalized before closing the file of this case. I make weekly calls to Seterus and each time I call the call is at least an hour in duration, most of that being time on hold. Needless to say that we still have not reached a resolution. In my latest phone call today I was told that during the drawing up of the modification documents there was an error with the title portion, that is potentially going to force Seterus to redo the mod documents and my client will need to sign and return the documents again. My first problem with this is that if it took them 5 months to draw up the documents manually in the first place, then how could there be an error and why is it taking MONTHS to correct this issue? Every time I call Seterus about this client, I always speak to someone different and no one ever gives me any answers. I find this very discouraging to my client. He is elderly and thought he was finally at the end of this process. only for the delay to continue for no reason.

Company response to consumer: Closed with explanation