BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-11
Company: Tormey Bewley Corporation
State: NM
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:
I have a significantly lowered credit score due to an inaccurate and completely false collection claim by XXXX XXXX XXXX. The case was closed as a false misrepresentation to an otherwise PERFECT score in 2014 and yet the derogatory information remains on my credit report falsely and erroneously diminishing my credit status for the past 5 years. XXXX XXXX XXXX needs to take action to REMOVE this damaging false and slanderous information from my report immediately!!! 
Please hold XXXX XXXX XXXX accountable for falsely damaging the credit of good standing citizens!! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to call XXXX XXXX XXXX XXXX XXXX since the matter is urgent. 
This is an automated service where one in not able to talk to live person. 
I think this is outrage that company, that can have real damaging impact on peoples life, limits the access to the company. With this kind of behavior this company should not have a license to operate in this country. 
I believe that they have things on the report that should not be there. 
This could have been resolved, if I had an access to the company. 
Written access in this instance is way to long, it can cause me immeasurable damage.

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 2022-07-06
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
XXXX is paid in full please removed 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 2022-02-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo, currently holds our mortgage. Initiated the process to refinance before rates go up. Submitted paperwork, etc, got the ball rolling. The appraisal was ordered. The appraisal came in at $ XXXX. This puts us at 62 % of value vs equity, kicked the rate up, XXXX was added to our refi amount without any explanation. Back to the appraisal. The appraiser put us at approximately 2100 sq ft above grade, 700 ft below grade. We live in a split level. The lower level is actually even grade with our driveway. Two things about this. Based on the appraisers OWN COMPS, 2100 sq ft would have put us well over XXXX in appraisal value. The house is in great shape. We have made improvements and maintained since we purchased. Two, Wells Fargo had initially given us a mortgage based on an appraisal of 2800 sq ft above grade space. 
We were VERY unhappy with the outcome, the response from our Wells Fargo rep, and shopped out the refi. We have started the process with another company. The appraiser for the new company came out. The appraisal came in at $ XXXX. HUGE disparity. Our rate and payment is now in line with what we were told to expect. Wells Fargo is scamming. Shame on them.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
n accordance with the Fair Credit Reporting act 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 : It also 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 2022-07-06
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2022-02-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I reached out to all three credit bureaus XXXX, XXXX and Equifax by mail regard the inaccuracies of this account. XXXX loan mark this account is reporting inaccurate please see the attached reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Equifax, XXXX and XXXX This account is reporting as open and active this is inaccurate. Please delete this inaccurate account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having a very difficult time with Ditech. I have been approved for a modification and was making my trial payments. I was unable to get a hold of Ditch durning the holidays and now am having trouble having Ditech accept my 3rd trial payment. I called to set up my 3rd payment on a payment arrangement for the XX/XX/XXXX. I was being recorded and I " Specifically asked if should post it for three XX/XX/XXXX because ii wanted to make sure all funds were in '', he said i should be okay because they dont receive the funds until 3-5 business days. As long they receive payment within XX/XX/XXXX I will be fine. They will then send me new papers upon my mortgage agreement. I got an email notification about Ditech received payment. I never gotten an BBC alert from my bank claiming an insufficient fund. I called on XX/XX/XXXX because no answer during the XXXX XXXX Holiday. I talked to XXXX ( asking why they have not taken the money or fired XX/XX/XXXX ) who told me that the check came back and that there is nothing they can do for me except do another modification. My last payment ... he said if they took the money now its for XX/XX/XXXX and XX/XX/XXXX would not be accounted for!!! I was almost in tears and explained what the other representative said to me. He really didnt seem to care!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/22 I tried contacting Huntington via chat to downgrade my checking account which is costing me $ XXXX. The chat rep said she could not do it on her own. She was only able to provide me a regular business number to call but could not provide a XXXX  number as requested. I am not able to go into branch due to XXXX XXXX XXXX so I am left with no options to stop getting this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear CFPB, I ask that you seriously you investigate this company. I had a mortgage with XXXX XXXX ( already had to file XXXX complaints that are still ongoing ). The mortgage was transferred to Freedom mortgage. The transfer has been a complete mess. After a long trial the previous company finally transferred everything to the new company including a check. The first time I spoke to the new company the person said it was taking them a while to process payments because they were bringing in a large number of mortgages from multiple companies. Per their own records it too almost 2 weeks from when the payment was " received '' ( an attachment will show their own records show it took this long ) for them to actually post it. I was told that this would be corrected and that they would process checks more quickly. Now, I have mailed another check, directly to them this time, and it has been over 2 weeks since the check was mailed and they still have not posted it. I called in to inquire about their address and then asked why it was taking them so long to process checks that are mailed. The woman who answered ( I did not get her name, although they can tell you who it was since the calls are recorded. ) insisted to me that all checks are posted in no more than 72 hours. When I pointed out that their own records showed it took them almost 2 weeks to post my check even after they claimed they received it ( which was 2 weeks after it was mailed. I know the Post office is slow, it is not that slow though ) she then said it did not take them that long to post and then i again stated that their own records show it did and asked why it was taking so long. She then hung up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted for assistance from Mr. Cooper. They did advise me that my documents are there but were just sitting there. I asked why they were just sitting there and was given the runaround. No one could give me an answer.. I called numerous times and finally I was advised by XXXX XXXX based in Arizona, that the reason theyre not reviewing my file is because I have an attorney on record.They insisted that my file needs the bankruptcy attorney 's consent. Why did it take them so long to advise that? That would have been simple to provide but it also does not make any sense. Please see attached document from the bk court stating that and I quote- It is further ordered " in addition to potentially pursuing other loss mitigation alternatives including but not limited to, a loan modification. '' After going in circles I was then advised that my file will not be reviewed as it is a commercial property. So which is it. It is not a commercial property. I live in my house. It is a single-family residence. Not a commercial property, it's not rented out. I actually live there. I am a XXXX XXXX XXXX vet and I do not pay property taxes. That would not be the case if this was a commercial property or non owner occupied property. 
Please see attached utility bill showing that I live there and please also see attached documents from the county. Please also see my mortgage statement which shows the property and mailing address as the same. At this point I feel like I am being discriminated against based on my age and XXXX. My file has been neglected and looked over. Because I am older doesn't give anyone the right to ignore my inquiries. There is no valid reason why my file can not be reviewed for assistance. I do not want to lose my home. I have nowhere to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX 2016 my wife submitted a payment of approximately of XXXX to Wells Fargo. On the date, there was a correspondence mailed to our house which was " Notice of Default and Requirement of Strict Compliance '' On the document the box IS NOT CHECKED which denotes that " Wells Fargo Dealer Services is informed and believes that you are also in default. '' In other words, the letter suggests future action, but is not checked for immediate action as of XXXX XXXX. On XXXX XXXX, Wells Fargo initiated the repossession of our vehicle despite this correspondence not having the check noted for possible repossession. So, the car, according Wells Fargo 's own paper work should not have been taken. XXXX XXXX XXXX charged XXXX for taking my car and this also cost me 1 day of work, approximately {$200.00}. ( XXXX XXXX XXXX XXXX XXXX. I also had to pay XXXX for a XXXX and the time and frustration of getting my car back etc. 
Wells Fargo claims that they called me, but I did n't talk to them directly and this written compliance form is not accurate based on the actions of Wells Fargo and XXXX XXXX. 
Further than all this, I wonder : is it reasonable to tow a car out of someone 's driveway about three weeks after an attempt to make a payment, which is off by XXXX dollars? And sending a document without setting expectations for repossession? And no record of talking to me in person? I think that Wells Fargo not only broke its contract but harassed me and caused me two days of grief, even shortly after we made an effort to pay them. We had no history of not paying regularly. We have a record of some grace period payments due to over business but not an inability to pay.

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 2016-05-07
Company: Big Picture Loans, LLC
State: IN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for a loan from Castle Payday Loans ( now XXXX ) in XXXX 2015 for {$1000.00} online. I received a phone call from CPL stating I have been approved for the {$1000.00} loan and the finance charge would be {$350.00}, thus bringing my total to {$1300.00}. I have since paid {$2400.00}, over {$1000.00} more than I was told I had to pay. CPL continued taking payments from my bank account, so I blocked them from drawing payments from my account. I tried to log into my CPL account, but it would no longer allow me to log in. I contacted CPL and spoke to a representitive from collections and I conveniently got dropped once I told them there was a mistake with my account and had been overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am still tying to get a resolution from Experian. On XXXX of this year I sent Experian a copy of my identity theft police report in reference to Fraudulent Taxes that were filed using my social security number. I also sent them a copy of the XXXX Identity theft form that I filed with the IRS. They responded in Complaint number XXXX with a request to send in additional documentation to support my claim in order to consider to block this public record With XXXX XXXX Courts from my file. I sent them Via Mail a Copy of the letter that IRS sent me confirming the receipt of my XXXX Form I am attaching this letter in the complaint for your records. Still to date Experian has not responded to my request. In the XXXX notice I received from IRS it confirms receipt of my documentation for identity theft and it also states that this matter can take 180 days to resolve. There is no reason that I should have to stay 180 days which is 6 months with this record on my credit profile. I have provided sufficient documentation supporting my claim for Identity theft yet Experian continues to give me a problem in resolving this matter. I have been prevented from purchasing a home because this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: AMERISAVE MORTGAGE CORPORATION
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In over 40  years of loans and mortgages, this is the worse company I have dealt with. Was pre approved and paid {$500.00} application fee. Spent XXXX on attorney to make sure title co had everything was taken care of. A lot of this could have been handled by XXXX XXXX and XXXX XXXX. They were so slow at requiring more info needed. That I had to resubmit things several times. I spent numerous hours on e-mails and phone calls ... most a week or so to return or not at all. I spent a lot of time on items requested also. Now after 6 months, application is closed. I should have my Application fee returned. I intend to send this to as many review places I find included Consumers Reports if I am not reimbursed my application fee. All I wanted to do was lower my mortgage payment and make a few improvements. I have all correspondence with them saved. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Recently reviewed my credit file. I noticed some accounts that were investigated and deleted from XXXX. XXXX and Transunion has not provided any debt validation or method of verification used to validate debt. 

below XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-06
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which 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 response to consumer: Closed with explanation