BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a complete loan modification packet with Wells Fargo Bank, afterwhich Wells Fargo Bank denied my loan modification request. 
Wells Fargo Bank 's denial letter had factually based errors contained within it. 
So I filed a timely appeal and included additional exhibits A through F ( approx. XXXX pages ). 
Wells Fargo Bank thereafter sent out a notice of receipt of my appeal and that letter also contained factually based errors by stating that my appeal was submitted without additional documentation and that I had a present bankruptcy case. ( none of which was true, see attached appeal and Wells Fargo 's incorrect letters ) Wells Fargo than tool less than three days to deny my appeal and did so without XXXX providing me with the additional documentation that my appeal had requested from Wells Fargo, instead I was told that my loan modification was denied. 
Wells Fargo Bank commits these errors either through gross negligence or intentionally created and Wells Fargo Bank has no intention of conducting a good faith loan modification review. 
Wells Fargo Bank should not be allowed to just deny loan modification applications based on factual errors, and than Wells Fargo Bank should not be the only entity to review their own errors in the borrowers loan modification appeal. 
Wells Fargo Bank literally just goes through the motions in order to appear in compliance with the law, but than does not even bother to read the borrowers documents that they have submitted in support of the loan modification process. 
Than when Wells Fargo Bank denies the loan modification application, they refuse to send you the denial letter by fax, and instead they choose to use the XXXX Mail which always takes approximately XXXX additional days to receive. 
This act alone also cuts into the borrowers time to prepare documents and submit a timely request for review. 
Wells Fargo Bank 's entire loan modification process is a farce and set up to blatantly ignore the borrowers information in order to expedite Wells Fargo Bank 's predetermined denial. 
Wells Fargo Bank continues to violate the CFPB 's rules and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan for a mobile home and was given a 7 % interest rate. I wanted a lower rate so my agent told me to call another person. I did and they gave me a 5 % interest rate over the phone, and gathered all my information. I received the loan estimate and the interest was 8 %. My real estate agent asked me to call the lender, I told her I was not going to call him because I feel he bated and switched the amount of interest. She said I told him not to do that. I was shocked that she knew what he was doing and didnt tell me. I thought she worked for me not the loan originator. I feel they are in co hoots in trying to trick me. He thought I wouldn't notice the amount on the paperwork, but I did. Isn't that illegal? If its not, it should be. This was a {$200000.00} loan and the loan fees were {$10000.00}!! The name of the company is 21st mortgage, the loan originator was XXXX XXXX, and real estate agent was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: BARCLAYS BANK DELAWARE
State: NC
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 would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report b y the Barclay Card USA o n  XXXX   XXXX ,  XXXX . They  ( Barclay Card USA ) NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with Barclay Card USA management, they keep insisting that " customers are not told that  their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.     Really? Who in their right mind would say  YES  to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!      Barclay Card has now damaged my credit score and now I have to wait before proceeding with my mortgage application until this ILL EGAL mark on my credit report in permanently removed.     This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the  Barclay  Card must be addressed as the rep on the phone on  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  ( and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my  XXXX  years ever hit my credit with a HARD inquiry for a simple, few  XXXX  dollar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at  Barclay Card USA repe atedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report month  ( if not years ) down the road.      So, as in my case,  XXXX  hard inquiries were done on my card b y Barclay Card USA  within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a couple  XXXX  dollar credit line increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
Almost 1 year ago I purchased furniture on credit card XXXX ( TD Bank NA ) .Account number is XXXX. XXXX/XXXX/2016 I made the last payment XXXX , after this payment my account balance became XXXX . At XXXX/XXXX/2016 I called to costumer service by number XXXX, spoke with representative XXXX at XXXX and closed account. 
After, I received e-mail that informed me that I have to pay {$700.00} interest at XXXX/XXXX/2016. But at that time my account was fully paid off and closed, and I did not have to pay any interest, because I had no interest charge for this account for 1 year. 
This is attachment from what I see for today : Trans. Date Post Date Ref. Number Description Plan ID Amount XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX BILLED DEFERRED INTEREST CHARGES ON PURC XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
State: CO
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, Account # 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 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 2016-12-20
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
TD Bank accepted and processed my Additional Principal payment of {$5000.00} immediately on Monday, XXXX XXXX, 2016. The money was withdrawn from my account instantaneously. The payment still had not been recorded as of Monday, XXXX XXXX, 2016, after fourteen ( 14 ) days. When inquiring about the status of the payment at my local bank branch both the Branch Manager and Customer Service representative learned that the exact location of the {$5000.00} is unknown. I have no complaints and in fact compliment both the Manager and Customer Service Rep at my local branch because they did all they could but even after an hour there was no resolution. They promised to pick up the trail today. 

The loan department indicated that this is an ongoing problem at TD Bank mortgage division for IT reasons and that I should " call them '' in advance of making an extra payment - presumably so they can " look out '' for the transfer of funds so they do n't get " lost ''. This has happened to me before but the last time the money was " found '' after three ( 3 ) days. 

So I, as a consumer am being forced to give TD Bank an interest-free loan of {$5000.00} while my regular mortgage accrues an additional 14 days of interest. I view this as a tactic to discourage consumers from pre-paying the loan which is allowed under the terms of my mortgage. In addition, I am becoming seriously concerned about the solvency of TD Bank when they are hiding money for two weeks. If I did n't complain would the payment ever be recorded properly???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Some medical bills on credit report have paid on XXXX XXXX XXXX and auto loan was paid full XXXX XXXX XXXX XXXX XXXX XXXX XXXX United revenue there three with this company and collect for personal debt was paid in full need be remove from credit report all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXXXXXX XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXX XXXX XXXX account # XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A States I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Used car loan application was computer generated has wrong name on it from finance company and forged signature on all documents. I can provide document to show signature is a forgery.

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 2022-07-19
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Lexis Nexis has furnished innacurate information to XXXX to report on my credit report and there is false information as well as incorrect information. I have submitted disputes several times to no avail with the letter from the Court stating that they do not furnish this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: SANTANDER BANCORP
State: PR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
iI 'm trying to refinance my mortgage thru the credit union. We need a letter of mortgage cancelation in order to proceed. My current financial institution, Banco Santander almost deny such letter. 
They charge {$10.00} for it and it can not be pay. They sum it to the mortage. 
I need the letter for the XXXX of XXXX. Banco Santander say that it can not be before the XXXX. 
These is clearly an obstruction for me to refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Patient Account Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Agent from Patient Account Services ( PAS ) called my cell phone, demanding payment of XXXX. Without letting me speak after I had asked what the debt was for, the agent rudely asked if I knew " how much money '' I had in the bank, and preemptorily said he would write me off as " refusal to pay '' then hung up. I had no chance to ask any questions, provide or receive any relevant information, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Bull City Financial Solutions, Inc
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I saw on my credit report a derogatory mark for a place called Bull City Financial. They then told me i owe money for a bill at an address i never lived in. I then told the debt collectors to remove the debt from my credit because it is not mine. i sent them the proper information to prove that it was not mine. I had the person who was responsible for the bill ( my father, we have the same name ) tell them it was his bill, they still said i am responsible for it. Now upon telling them numerous of times i have sent the the proper paper work to prove it is not mine they still keep telling me it will remain on my credit report until it is paid. If it was my bill i wont have any problem paying for it, but unfortunately for them it is not mine. My credit is getting lower and lower because of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: NY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 explanation
Consumer complaint received 2016-09-13
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX and XXXX are listing a credit collection account ( Bull City - Acct # XXXX ) that does not belong to me. I have previously filed an investigation with XXXX and XXXX explaining to them that this collection account does not belong to me. XXXX and XXXX sent me a response and said that they verified it does belong to me and I would need to contact Bull City directly if I disagreed with their decision. So I wrote Bull City a letter and told them they were listing a collection account that does not belong to me. I asked Bull City to either validate this alleged collection debt or delete it from my credit reports. I sent the letter over 30 days ago and I have not received any response from Bull City. Since Bull City can not validate this alleged debt, I would like for them to delete this collection account from my XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN
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 recently sent a letter to the credit reporting agencies regarding inaccurate things on my credit report. I asked for the debt to be validated to show this is my debt. I did not deny this debt Im just not aware of it. The creditor updated the credit reported stating the debt is valid but failed to send me any information on how it was validated. I know I have the right to know that. Im not paying a debt thats mine until Im shown proof its mine. I think this needs to be investigated or they need to remove it from my report because it has caused me to be denied for the purchase of a home. I think that this is just wrong, and I will not let the creditors ruin my reputation with lenders because of the inaccurate and misleading information they are spreading by selling my information to lenders. I feel like Im being taken advantage of and being ignored of my disputes. The law plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts to be deleted immediately or I will file for litigation due to the stress they have caused me. I have sent the letters to the actually creditor and they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. This account is not mine and belongs to another person this account information is wrong I have a letter from the creditor that states I do not have a balance due but instead I have a XXXX balance and did not have service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Maury Cobb, Attorney at Law, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am in collections with XXXX for a charge of {$2200.00}. The debt collection was sent over to XXXX, who then sent it over to their attorney office, Maury Cobb located in Alabama. First off, I have never received anything through the mail from any collection agency regarding the debt they are trying to collect. Once I received notice that their was this collection against me through checking my credit report, I called XXXX in order to dispute the debt. XXXX told me that I had to go through Cobb for anything further since the account was transferred over to them. I have now been in contact with Cobb for about three weeks and they have been very unprofessional. I sent over a police report on XXXX XXXX, stating that the phones were stolen out of my vehicle back in XXXX and they stated that in order for the account to be settled that they had to send the police report over to XXXX. I have called XXXX today and they said they never received anything. I then called Cobb 's office back and the individual I spoke to was very improper using slang and profanity towards me, then hanging up on me twice. While talking to him each time I asked to speak with a supervisor the two different times that I had called and the same man I was transferred to stated that there was not one for 48-72 hours and that he would not transfer me to anyone else. All I was asking for was an email of some sort of dispute validation that I asked for back on XXXX XXXX and the man keeps informing me that they are not able to send out anything to me stating that I am disputing it. He said I need to ask XXXX for that, but XXXX 's corporate office is stating that since the account is in Cobb 's hands that they need to be the ones to send me a dispute validation. Cobb 's customer service is refusing to send me over any validation that I am disputing the charges, claiming that they sent over the police report to XXXX, while XXXX is stating that they never received anything, and the customer service representatives are being very unprofessional and ending the phone calls on me without giving me the proper information and not giving me answers to any questions that I ask. I am trying to receive this validation of dispute so that I can get this taken off of my credit report as soon as possible because it is affecting it drastically and also because I was in the process of purchasing a new home and this is effecting the process. I want to see if I am able to get my debt transferred over to anything collector or if I can just receive a dispute validation at the very least.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: EQUIFAX, INC.
State: AR
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 wanted to start building my credit because I am getting close to the age were I am going to start wanting to purchase big things. I been applying for several different credit cards and I been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for much items and the one credit card I had paid for it and had the  account closed. I decided to pull my credit and there are a couple of unknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Comenity Bank opened an account on a card that I paid off without my consent with a collection agency XXXX XXXX and they want remove it from my credit report. You can not bill someone again after they closed the account thats against my right as a consumer

Company response to consumer: Closed with explanation