BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-13
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Both my husband and I have been put on XXXX in the past couple years, we lost a good portion of our income and are paying a outrageous amount for health insurance. We were in the process of getting a home modification loan through XXXX XXXX XXXX when they sold our loan to Seterus. We are behind our mortgage for the months of XXXX XXXX XXXX, we have been bombarded with foreclosure notices from both XXXX XXXX XXXX XXXX Seterus. We have researched the reputation of Seterus and it appears that loan modification loan approval rarely happens.We would like someone on our side, we ca n't afford a lawyer, but it would be nice to have someone watch and make sure we are n't taken advantage of and lose our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I am in dire need of your help. My credit was ruined as a result of suffering from " HURRICANE XXXX '' in XXXX XXXX. The Flood insurance only reimbursed me {$23000.00}. after I had submitted all the paid receipts for work I had to have done on my house and all of the losses that occurred, totally over {$120000.00}. ( my house still is not finished, because I ran out of money ) By XXXX XXXX my22.5 year marriage ended, & mostly due to the financial impact from the Flood insurance. So now I am divorced & living in an unfinished house that I had put a tremendous amour of money in to repair & it 's not even worth what we paid for it, {$560000.00} in XX/XX/XXXX. I desperately need to re-fi but my credit is not good enough. My mortgage ( {$380000.00}. ) is at 4.5 % & a XXXX ( {$53000.00} ) at 6.99 %. If things do n't get better I will lose my house. 
I have worked very hard at cleaning up my credit but I just do n't seem to get a head because of things I can not control or understand. There are numerous problems with this CREDIT REPORTING SYSTEM, but for now I am only addressing this XXXX instance. 
I subscribe to XXXX credit reporting agencies on line, XXXX is " XXXX '' & the other is " EQUIFAX ''. I watch my credit scores & the reports closely & earlier in XXXX according to EQUIFAX MY SCORE WAS # XXXX & on " XXXX '' it was # XXXX, under EQUIFAX. WHY ALL THE DIFFERENT SCORES FROM THE SAME PLACES IS BEYOND ME, & VERY DIFFICULT TO WORK WITH, NEVER KNOWING WHAT IS CORRECT! ( but that 's a different topic ) XXXX of the necessary things I need to do is establish NEW CREDIT. I looked up & found that with my scores I would be able to acquire a CREDIT CARD from XXXX XXXX. I applied & to my surprise I GOT REJECTED! I got rejected because when XXXX XXXX inquired about my score FROM EQUIFAX, THEY REPORTED MY SCORE AS XXXX! I NEVER WOULD HAVE APPLIED IF I SUSPECTED THAT THEY WOULD REPRT SUCH A DIFFERENT SCORE THAN THE ONE THE GAVE ME! I called EQUIFAX, & explained what happened & they did n't know why. They knew my score was higher than XXXX but they did n't know why they told XXXX XXXX it was so low. Then they gave me a phone # to tell XXXX XXXX THAT EQUIFAX MADE A XXXX & THAT XXXX XXXX COULD CALL & VERIFY THAT IT WAS HIGHER. XXXX XXXX, thought I was stupid & told me that they were not going to call EQUIFAX! 
And the BEST PART, AFTER I WAS REJECTED, EQUIFAX LOWER MY SCORE FOR TRYING TO GET A CREDIT CARD. 
I have attached all the pertentant documentation. Thank you for your help. I look forward to hearing from you! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
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: Their investigation did not fix an error on your report

Complaint:
Upon receiving a copy of my consumer report. I seen there was numerous fraudulent accounts taken out of my name. I have contacted the consumer reporting agencies. I have contacted the creditors. I have done a FTC report XXXX  report. With no resolution insight. I am a victim of identity theft. The situation has caused the great distress loss of sleep as well as XXXX XXXX Due to this fraudulent information being Furnished onto my consumer 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 non-monetary relief
Consumer complaint received 2015-10-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello : I am writing this letter because there is a big mistake on my credit report. I am specifically asking for a legal debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA for the following account : XXXX {$1500.00} CollectionsThe collection company has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item and prevent them from re-inserting this item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to a speedy resolution of this matter. 

XXXX XXXXSSN : XXXXDOB : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: TN
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: Other problem getting your report or credit score

Complaint:
I have send three rounds of certified letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all in 2021 ) for the correction of my Experian credit report for inaccuracies and for Experian to send me an updated credit report. Experian has ignored my letters and when I've called them multiple times on the phone they have placated me with promises that they would update my file and send me corrected reports. I have received nothing and have been ignored completely. I'm at wits end, please assist me.

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 2021-12-29
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Unauthorized payments were made on my cashapp account. I was scammed and they got access to my cashapp and they sent large funds to two accounts. I delete the app and my account to stop them from hacking my accounts. I went through cashapp support chat and Ive called a ton of times to tell them to cancel those transactions. I tried on the XXXX and almost everyday since then but have had no luck. They asked for some information to prove my identity through the app and they said they cant do anything since the account was closed. I am trying to get that money refunded so I can pay off a debt to the bank and they are practically refusing to help me. I cant chat or call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech has reported a payment with a code XXXX instead of a code XXXX on my credit report. It is preventing me from refinancing and has caused one of my credit card companies to suddenly lower my credit limit. This code XXXX stands for a bankruptcy or foreclosure. I have never made a late payment to them or anyone else. All of my other accounts report all code XXXX with the exception of Ditech. They told me upon calling them that they do not report my loan at all, yet I am looking at it on at least XXXX credit reporting agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I contacted XXXXXXXX XXXX XXXX XXXX on XX/XX/2021 to give me an estimate on a blower motor. After they arrived, there quote was completely different than I was quoted over the phone. I told them ( XXXX 's ) no thanks. I was told about a {$29.00} trip charge which I was ok with. However, two days later when checking my account. I see a charge of {$540.00}!!!! I did not authorize this or sign anything!!! When I contacted Wells Fargo, they said there investigation shows a valid purchase!!! XXXXXXXX XXXX  submitted a fraudulent invoice!!! I have never seen this invoice and it contains a signature!! XXXXXXXX XXXX & Wells Fargo have a fraudulent document that has a forged signature!!! 
The invoice I have is completely different!! No signature or and bogus work done!! 
I have provided the correct document and the document from XXXX XXXX. XXXX XXXX  did a great job providing me a blower motor!! 
XXXX investigators do not care about my money and would prefer to pay it out. They allowed this fraudulent purchase and do not want to admit liability!!

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 2021-12-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
There was a Wells Fargo Checking Account opened in my name that I did not authorize. The date is Wednesday XX/XX/2021. Wells Fargo placed a hold on the account and alerted their fraud protection department.

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 2022-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital OneXXXX action as a settler of disputes is always unfounded, discriminatory and arbitrary. 
I have a dispute with XXXX XXXX for an amount of {$32.00}. Although XXXX is not raising any issues, Capital One is intentionally and maliciously raising an issue that XXXX XXXX also credited my account. All it takes for Capital One to make such a ridiculous claim is look at my account, but refused to do so and just keep on adding back the disputed amount. 
Heres what transpired : XX/XX/XXXX Placed XXXX items order # XXXX with XXXX totaling {$78.00}. ( Receipt attached ) XX/XX/XXXX Two items were shipped charged my account for {$45.00}. 
XX/XX/XXXX Last item was shipped charged my account for {$32.00}. 
XX/XX/XXXX XXXX all items. A credit receipt ( attached ) was issued for the total amount of {$78.00}. 
XX/XX/XXXX Filed a dispute for {$32.00} and {$45.00}, total of {$78.00}. Received a total credit of {$78.00}. 
XX/XX/XXXX Capital One charged the {$32.00} back to my account maliciously claiming that XXXX already credited my account for said amount. 
XX/XX/XXXX Deducted {$32.00} after I filed another dispute. 
XX/XX/XXXX Added back XXXX. 
Capital One had been doing this arbitrary tactic even in the past. They are engaging in Unfair Trade Practices Act. Unless, I closed my account they will never stop the harassment of adding the disputed amount in my account. 
The {$32.00} that was charged back need to be credited to my account again as XXXX never issued that credit to my account as Capital One maliciously claimed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: AL
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 AM A VICTIM OF IDENTITY THEFT. SOMEONE OBTAINED MY INFO AND OPENED ACCOUNTS IN MY NAME. THIS IS CAUSING ME SO MUCH HRDSHIP. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE.

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 2016-04-29
Company: Brown’s New Credit Bureau 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 was discharged in bankruptcy

Complaint:
They keep showing account open and reporting it to " my credit report ''. This was discharged in bankruptcy, I would like them to show it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  XXXX   XXXX .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection agency not a Government Agency like Department of Education.      XXXX   XXXX   XXXX  are reporting the account as a collection account not a  Student Loan Education Ac count, and they are not showing as current. I have been making automated payments since    XXXX   XXXX   XXXX    faithfully in the amount of {$200.00}, but in  XX/XX/XXXX  amount went up to {$200.00}. On my credit report the payment history still shows as "  Past Due  '' with no payment listed as " OK '' it has a " C '' which represents Collection.     The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurting my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I have spoken with  XXXX   XXXX  and their answers are : " Sorry, We ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to  XXXX   XXXX  for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit bureaus.

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 2016-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX financial lost 2 of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff +

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: AMERICAN EXPRESS COMPANY
State: TN
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: Other problem getting your report or credit score

Complaint:
I was pre-approved and applied for the American Express XXXX XXXX XXXX on XX/XX/XXXX. There was a hard pull on XX/XX/XXXX. 

My reference number : XXXX My application was denied and they said I could check why through a link. I went to the link and the application said it was in progress for a few days. I called them and they said I was denied because they could not pull my credit report or credit score. Both XXXX and XXXX did not show I have a credit history. 

They kept asking me if I had a credit history or if I had a credit lock or freeze and to talk to XXXX or XXXX. I told them I have over a decade of credit history, no locks or freezes ( verified by XXXX  ) and can view my credit score on all three websites.

I was able to pull my free credit scores from all 3 agencies from the annualcreditreport website. I pulled them and they first told me I could not email them. 

I called back a few days later and someone told me to submit them online. The online portal did not allow me to submit. Then I called back and they told me I could fax it to them. 

I faxed them my XXXX and XXXX credit reports. They said they received them and once again it was denied because I was showing no credit history/XXXX score. 

They said they could send it to their team to do a manual application and pull. So they did that on XX/XX/XXXX. I was once again denied because of no credit history/fico score. 

I have two hard pulls on my XXXX credit report ( XX/XX/XXXX and XX/XX/XXXX ). XXXX says because of the hard pulls, AMEX was able to get my credit report so there is no issue on their end. 

American Express said they were not able to pull anything from XXXX and I have been unable to get into contact with an actual person to talk to from XXXX 's customer service. I have been trying for a month. 

American Express says it shows I have no credit history or XXXX score so that the issue is with XXXX or XXXX. 

XXXX says that they use the XXXX and no XXXX score so that American Express should not be trying to pull a XXXX. This does not make sense to me because why would American Express not know this and try to pull XXXX  scores from XXXX. XXXX says the issue is with AMEX, and I can't get into contact with XXXX at all. 

I do not know which company to file the complaint with because they keep pointing fingers without escalating to someone who can investigate or help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am disputing the following hard inquiries on all my credit reports to include XXXX and equifax. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX EquifaxOPENXXXX XXXX XXXX XXXX, XXXX EquifaxXXXX XXXX XXXX XXXX XXXX XXXX, XXXX EquifaxXXXX XXXX XXXX XXXX, XXXX EquifaxI did voluntarily submit my info to XXXX XXXX XXXX for refinancing my XXXX chevy chevy cruz. I did not authorize any others above other than XXXX XXXX. Ialso am disputing all hard inquiries on all my credit reports with all bureaus with the exception of XXXX. that was my auto loan. I do want to dispute whyXXXX XXXX is on there more there more than once? Please look into thisas I do not know or have not authorized places like XXXX, XXXX, XXXX, etc to pull my credit. Me and my wife had to amend ourtaxes for tax year XXXX due to identity theft. I am a veteran of this countryand would like to see these stricken from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
All XXXX credit bureaus list XXXX state tax liens as active ; however these liens were XXXX released and I have a copy of the release documents from the state. I would like to have XXXX of these state tax lien entries deleted from all my credit reports. See attached documents.

Company response to consumer: Closed with explanation