BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been asking for help for years now and WFHM seems to fail to provide an honest review of my file. There is robo signers including notary robosigners, from the trustee to WFHM, there are over charges including late fees, home inspections, escrow fees that add up to XXXX dollars when I pay only XXXX for property taxes, there are over charges of interest payments hidden in the lump sum of the total interest payment due, the default amount included principal payments again increasing the default amount to almost XXXX when my original loan was XXXX. 

My home when I refinance it to my name was appraised at XXXX by XXXX XXXX and my home was owned by my family since the XXXX 's. My family is a hard working immigrant family that their dream of having a home made them work 6 days per week over 12 hours per day. it is unfair that today, I have to be part of the greed of a lender that has no end to their fraudulent activity. 

I have sent the lender copies of the wrongful calculations on the loan modifications and the investor 's guidelines as well as assurance agreement for the pick a payment loans. I have offer to pay the default amount in a repayment plan. I offered in XXXX when I recently had defaulted XXXX to partially cure a debt of XXXX and I ask the lender to add the rest to the principal, they refused to assist me back in XXXX and instead I was put on a non ending loan modification process. 

My house was sold XXXX XXXX, XXXX. The foreclosure laws for non-judicial were not followed, the XXXX XXXX XXXX was ignored and instead the WELLS FARGO HOME MORTGAGE AND THE TRUSTEE DECIDED TO SKIP THE INTERVIEW TO ASSESS MY FINANCES and decided to skip the recording of a new NOTICE OF DEFAULT. instead the trustee decided to use the NOD RECORDED ON XXXX XXXX, XXXX back in XXXX, wfhm decided to skip the interview that was under THE CALIFORNIA LAWS and recorded the NOD UNDER PENALTY OF Perjury. 
skipping steps to shorten the time to foreclose and denying a loan modification when I knew I qualify and can afford my payments is not right. 

THE STORIES FROM WELLS FARGO BANK HAVE NOT ENDED TO THIS DAY AND WE HAVE NOBODY TO GO TO FOR HELP. THIS PUTS MANY OF US IN DEFAULT WITHOUT ANY TYPE OF SAFEGUARD FROM WELLS FARGO AND THE TRUSTEE ARE NOT OBEYING THE LAW I NEED YOUR HELP TO GET MY HOUSE BACK.

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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality accounts FAIR COLLECTIONS AND OUT and XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A - STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 section 604 A section 2 a STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c. ( A ) ( 5 ) section states- NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, ORTHER THAN RECORDS OF CONVICTIONS OF CRIMES ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality accounts FAIR COLLECTIONS AND OUT and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A - STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 section 604 A section 2 a STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c. ( A ) ( 5 ) section states- NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, ORTHER THAN RECORDS OF CONVICTIONS OF CRIMES ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
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: Account information incorrect

Complaint:
On my equifax report XXXX XXXX is reporting my account as XXXX past due which is incorrect. My account is current and my balance is incorrect as well. I tried to contact equifax to dispute online but they are having system problems as well as a data breach issue. My score has dropped XXXX point because of this incorrect, inaccurate reporting. Please help thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
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:
On XXXX/XXXX/XXXX at around XXXX EST I received an alert that my credit had been pulled by One Main Financial. I promptly called XXXX and after not being able to get help the first time, I called a second time. During the second call, I placed a fraud alert on my profile and asked that the inquriy be removed as it was not authorized by me. The representative gave me the phone number XXXX to call One Main. When calling this number it goes to XXXX. The rep for XXXX Services l gave me the number to One Main FinancialXXXX, but when calling this number, they were already closed for the day. When I called XXXX XXXX XXXX back and tried to ask questions, the representative was acting as if I was XXXX in trying to find out XXXX One Main Financial is. She just kept saying over and over that " They are a separate company, you will have to contact them. '' It is ridiculous how much of a run around I received due to an unauthorized hard inquiry being placed on my credit by One Main Financial at XXXX XXXX XXXX, XXXX TX. I did NOT authorize this company to run my credit report for any reason and I would like this inquiry to be removed from my report by One Main Financial and or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Better Mortgage, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Since XXXX of XXXX I began the first time buyers process. On XX/XX/XXXX I submitted a mortgage loan request to a company called Better. Prior to submitting the report I checked with all 3 credit bureaus, who listed me above a XXXX score, so I was in the range from XXXX. However if you read the attachment from Better, they used a company called XXXX XXXX, without my consent who has a score of XXXX. I contacted this company and have asked for the file they have on me, since I have never heard of them. On XX/XX/XXXX I processed an application with XXXX XXXX who just a day later came back with a score from XXXX  of XXXX. So I contacted all 3 credit bureaus and not one of them have me listed with a score in the XXXX range. Ive attached XXXX/XXXX  and these are the scores as of XX/XX/XXXX. Ive also attached XXXX. I utilize XXXX XXXX and also have gone to the websites of these 3 credit bureaus. Across the board this is unfair and makes me think that once I give my demographic information, then an algorithm is programmed to present incorrect information about my credit score. What other reason could there be for this major discrepancy across all agencies. This is a major systemic problem and could possibly be associated with the people who set the standard. It is clear that it is unfair and feels more like a sham or parody, there is no American dream in it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TransferWise Ltd
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
on XX/XX/2020 I wired {$5000.00} from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The person who was supposed to receive the funds, NEVER received them. it never reached the beneficiary 's account. 
I asked the XXXX  XXXX XXXX to return the money to my bank account since it never got to the other count. 
Several times XXXX  XXXX XXXX contacted the XXXX XXXX XXXX XXXX, but there was no answer. 
just once, the XXXX XXXX XXXX XXXX  answered that the funds have been deposited to the beneficiary 's account and since they have withdrew them, they can not return the money. 
When i contacted the beneficiary, they stated that the funds were never deposed in our account and they sent me a PDF from their account showing there no {$5000.00} deposed in their account from XX/XX/XXXX to XX/XX/2020 as you see it in attachment. 
the XXXX XXXX XXXX XXXX  is not returning the calls for XXXX  XXXX XXXX, Nor do they return the funds to my account. 
Where is my Money???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX. 
# XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX Has violated my rights.

15.u.s.c. 1681 section 602 a. States I have the right to privacy.

15.u.s.c. 1681 section 604 a.section 2. States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX. 
# XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX Has violated my rights.

15.u.s.c. 1681 section 602 a. States I have the right to privacy.

15.u.s.c. 1681 section 604 a.section 2. States a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: Bread Financial Holdings, Inc.
State: NV
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:
I have been disputing fraudulent inquires from the credit bureaus as Comenity Bank instructed me ; the credit bureaus are not removing or blocking those credit inquiries from my credit report, credit bureaus are referring me to Comenity Bank to dispute those inquiries directly with them because Comenity Bank is alleging that the credit inquiries are valid every time I deny then with the credit bureau. Whenever I dispute fraudulent inquiries without including the valid accounts that I have with Comenity Bank and the correct inquiries related to those accounts, Comentity Bank is closing all my accounts for no reason. They claim that the credit bureaus are informing them that I am disputing all the open accounts, I requested evidence of that, but Comenity Bank refuses to send proof to me. At this point, I am informing CFPB that XXXX and other credit bureaus, and Comenity Bank are refusing to remove the following fraudulent inquiries : COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYBANK/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITY BANK/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYBANK/XXXX XX/XX/XXXX COMENITY BANK/XXXX XX/XX/XXXX COMENITYBANK/XXXX XX/XX/XXXX COMENITYCAPITALXXXX  XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITY BANK/XXXX XXXXXX/XX/XXXX COMENITYCAPITAL/XXXX XXXXXX/XX/XXXX COMENITYCAPITAL/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX  XX/XX/XXXX Those inquiries have been inserted in my credit report per Comenity Bank request, I called to the Account Protection Team at ( XXXX ) XXXX, and spoke with XXXX, a supervisor of that department, and she refused to help me with this dispute claiming that she didn't have access to the applications completed in more than 30 days ; I requested to speak with the person who is verifying these inquiries with the credit bureaus, and she said that I have to contact the credit bureau to resolve this. 
Valid Accounts that I have with Comenity Bank that don't need to be disputed or closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am disputing only the inquiries that I listed and nothing else, so then the accounts that I have with Comenity Bank should not be affected for retaliation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: RI
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:
Equifax allowed personal information to be released, and a check with their website confirmed my information was comprised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Applied Business Services, 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:
These accounts are not accounts of my own and were not opened by myself. Whatever services are at question were not rendered by myself. I've attempted several times to dispute these fraudulent charges with no result, no help.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
opened a dispute for items i never received, called td bank on the phone in XX/XX/XXXX wanted to dispute XXXX they told me i could n't dispute half of the amount had to do the whole amount which was XXXX, but i said i received some items and only wanted the XXXX cause i was promised to have parts by then. they put my dispute in for the entire amount. call them back and said that i talked to person sending items that they where coming. asked td Representative if something changes can i reopen dispute and he said yes. so in XX/XX/XXXX i called back to reopen 1st dispute and once again i said only wanted to dispute the XXXX and they wrote it up for XXXX after i told them it was supposed to be XXXX, they refunded me the money on XX/XX/XXXX. thought they settle it with company i bought from. 7 months go by and i get a letter stating they are reversing the charges back letter was dated XX/XX/XXXX, i did n't receive the letter till XX/XX/XXXX, and they are taking the money out on the XX/XX/XXXX which i did n't authorize. i went to td bank in XXXX and talk to a representative and tried to tell her that i need to reopen the dispute for the right amount that I 've been telling td was for XXXX and the response from td bank cause my debit card was a XXXX logo on it that there are denying cause i opened 2 claims. i gave the all the documents proving i never received the items with all the emails from vendor stating i asked for a refund and nothing came from going to vendor avoiding response from him. vendor scam or fraud cause still have n't received items so i feel i should have to pay for something i did n't get. now my bank account is in the negative and i 'm incurring charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  has the aged multiple accounts on my credit report I've asked them to correct them and they still have not to this day off of XX/XX/2019 this has been going on since XX/XX/2019 I've sent them letters certified and still have not corrected it count has been closed since XXXX and now they are real and putting charge-offs and late payments on XXXX I was also part of the XXXX  breach and they still have not corrected information on my credit report they just say verified no documentation whatsoever report number for XXXX  XXXX XXXX   free age XXXX it's been closed since XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: ENCORE CAPITAL GROUP 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:
On XXXX XXXX, 2020, MIDLAND CREDIT MANAGEMEN add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND CREDIT MANAGEMEN has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: MO
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 financial information was stolen during the Equifax breach of XXXX XXXX. I visited their website, but according to third party reports, their credit monitoring will start charging after 1 year if I use their service to monitor a problem that they caused through their lax security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to acces my credit report today, XX/XX/22 and I was unable to do so. I was given the code XXXX  to provide to customer care ( euphemism ). I tried several times to get through the robot and I was hung up on several times, by a robot. Once because I sighed when answering the secuity questions and another when I finally found the secret way to get to an agent. The reporting agencies have all made it impossible to access our credit reports so we can't dispute information. This needs to be fixed.

Company response to consumer: Closed with explanation