BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My mother and I bought property together and I also had martial home which was not my mothers. Wells Fargo foreclosed I 'm property that I did n't given permission to use. This property was part of a divorce settlement dispute and XXXX lower had no right to property. XXXX XXXX of XXXXr was loan officer I believed he fudge paperwork and committed some type of false information which in end result made my mother lose all her property 's it should have been exempt from taking mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$490.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$160.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My vehicle was repossessed despite making payments on the loan. In fact my vehicle was repossessed just days ( no even a week ) after my last payment. They have unfair and predatory practices aimed at ripping off consumers. I was offered a loan extension but it was withdrawn without my input and claim ( according to email ) that " I no longer was interested '' in the loan extension, after which they quickly charged off the debt. Their practices are predatory, their communications are misleading, and the entire business model unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
For the past 15 months, I have noticed that EQUIFAX continues to report key factors that adversely affected credit scores. These key factors appear to be verbatim. EQUIFAX has yet to respond to these concerns. 
EQUIFAX stated that they have reviewed my concerns and concluded that I need to be specific with concerns by listing account names, numbers and nature of dispute. When a creditor sends a letter, they list the key factors that adversely affected their decision and the credit agency who reported these key factors. On XXXX XXXX, 2015, EQUIFAX reported credit scores of XXXX to XXXX XXXX Bank, XXXX to XXXX XXXX and XXXX XXXX, 2015 a credit score of XXXX was reported to XXXX. Why is there disparity in these score within the same day? I have become frustrated in the way EQUIFAX has been reporting my credit information. Why does companies continue to accept the credit agency information as gospel. Is there any way that the consumer can be a part of this decision making process? Why are these credit bureaus allowed to be a powerful influence and the consumer has no say so in whether he/she is approved or not approved. I conducted some research on my own and I found that some people feel that they are fighting a losing battle and the creditors are going to accept what the credit bureaus are providing, with no input from the consumer. Even if something is reported incorrectly, you will have to wait until the 60 days before issue is corrected. By that time the consumer could miss out of favorable credit rates. I have attached several letters that have been submitted to EQUIFAX in reference to key factors that continue to adversely affect my credit scores. The only responses received would be their investigations/reinvestigations, which does not address these key factors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am a victim of identity theft. Currently an account has been opened in my name for electric with XXXX XXXX down in Texas. They will not close my account without a police report. I have already filed this with the FTC. 

The FTC tried telling me to check NTCUE for other utilities opened in my name. When I called and entered my social security number with street address and zip code for verification, NTCUE could not verify my information. So I could not access my NTCUE information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
See attatched transactions XXXX XXXX see attatched transactions XX/XX/XXXX. Duplicate charges are XX/XX/XXXX, {$340.00} XX/XX/XXXX ALL XXXX are charges from XX/XX/XXXX TOTAL {$470.00}. All XXXX Transactions are ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) and ( XX/XX/XXXX ) XXXX. XX/XX/XXXX statement ( MERCHANTS PAID {$340.00} XX/XX/XXXX back on card XX/XX/XXXX as New Purchases ) THERE ARE NO CREDITS FROM USAA. All these are duplicate charges. XX/XX/XXXX AND XX/XX/XXXX TOTAL {$810.00} ON CARD 2Xs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I received a letter from ALLY Financial regarding an auto lease that I am currently in. They are threatening legal action on an account that is not behind in it 's payments. They are trying to collect " late '' fees that have been erroronously charged to my account because I pay my payments bi-monthly. I have spoken to them NUMEROUS times regarding the fees that they are charging me and each time I speak to them they assure me that they are going to reverse the fees, and they still have not. It 's been two years now. I have approximately XXXX payments left on my lease, and they have just sent a letter titled " Notice of Right to Cure Default '' threatening LEGAL action if I do n't pay the random amount of {$1300.00} they have noted on the letter. When I sign on to my on-line account with them this figure is n't listed anywhere, and also shows that my account is CURRENT in payments. This letter alos threatens that if I do not pay this random amount they have on this letter that I wo n't be able to continue my lease with them. Again, My lease will be complete XXXX XXXX. I spoke to an individual this morning by the name of XXXX that told me it 's " nothing personal '' and because of the state I live in they had to send the letter because my account was 60 days late????? Again, my account is NOT 60 days late, never has been and reflects that on my on-line account. This is just another example of predatory lenders that prey on individuals by charging inappropriate fees and lack in Customer Service.

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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After pulling my report from a mortage lender i noticed the debt on my credit profile. After reviewing the report i saw an account with a balance over XXXX. I knew that it couldnt have been mine. So Im am submitting a dispute to get it removed

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 2021-04-20
Company: Experian Information Solutions 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:
I am concerned about the validity and accuracy of your recent investigation of this account # XXXX with XXXX that is reporting on my credit report. SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CREDIT REPORT. Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable legal and lawful Proof ( an original Consumer Contract with my Signature on it with XXXX. XXXX account information was deleted from XXXX and XXXX because the fraudulent account could not be legally verify. Experian stated that they will delete the XXXX account in 7 days on XX/XX/1921 because of the FTC fraud report filed. However, Experian is still reporting the account on my credit report. Please provide me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. If you can not supply the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress.I will further pursue all of my legal remedy without further notice to Experian. I have attempted to resolve this matter formally before filing a complaint and lawsuit! I give Experian authorization to check or investigate the XXXX account.

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 2020-06-20
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had cancelled a Forbearance on our account on Friday XX/XX/2020, At that time we paid our balance {$7900.00} and brought our account up to date. The reason we are needing this document, is that we are in the process of trying to close on our Refinance with another company at a much much lower interest rate. 
Shellpoint Mortgage stated they would get that cancellation notice emailed to me in 1-2 days. 
I have been having to reschedule our closing date due to Shellpoint not getting our Forbearance cancellation out as they said they would. 
I have spoked to numerous people and they all now say something different or come up with another reason. 
Just this morning they're telling me it will take another 10 business days. 
I feel I've been getting the runaround and they really could care less. 
I have done all I can on my part and I'm just afraid I will never be able to see this simple document stating the forbearance has been cancelled and I will never be able to go through with my refi. 
I've read numerous reviews about this company and they all seem to be negative. Please Please look into this for us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Pacific Union Financial, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I initiated a refinance through our existing mortgage lender, Pacific Union Financial. We started the refinance process with plenty of time for the loan to close prior to a 30 day late. We have never experienced a 30 day late in all of our years as homeowners. We were assured by the loan consultant that our loan would close/fund within 30 days. Although we signed all loan documents on XXXX XXXX ( with plenty of time for the loan to close/fund prior to end of month ), the loan did not close until XXXX XXXX, 2015. I have documentation in writing ( e-mail from escrow office to loan consultant ) explaining that a mistake was made in terms of the payoff amount and this caused a delay in closing our loan. Nevertheless, Pacific Union Financial reported my wife and I to the national credit agencies as being more than 30 days late in our mortgage payment resulting in a severe impact to our credit rating. I wrote a letter to Pacific Union Financial on XXXX XXXX, 2015 but was surprised to receive a response on XXXX XXXX stating that they were denying our request to correct this issue. This was an irresponsible reaction given that the mortgage lender was provided with the written documentation clearly showing that a mistake was made in the processing of our 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 2017-05-21
Company: Comerica
State: KY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On  XXXX   XXXX ,2017 I noticed an unarthorized transaction was charged to my account for {$300.00} I immediately called direct express to make them aware and find out how did something like this happen the lady looked into the account and seen it was clearly compromised as the undocumented company tried to also take another {$490.00} out as well she canceled my card told me they would investigate and cure the issue I ca n't remember if she told me the investigation process but I know I received a letter about my dispute saying it could tak e 45 to 90 b usiness day 's however in my case I didnt believe it would take that long 45 days came and they put the money back on my account only to snatch it back off I noticed when I went to pay an already overdue bill I figured it was a mistake as I called thinking it could be simply fixed I was then informed that it was a provision credit that was put on there that could be snatched back off with no explanation I was in disbelief as I cried like a baby on how was I going to feed my kid 's and pay my bills the lady who was very rude told me to call local food bank 's which insulted me for the life of me I ca n't understand why must I be made to suffer longer for something that can easily be seen as a hack this card company is horrible and has horrible ratings from the   BBB    with so many customers who experience the same issue 's I just want my money back and to close my account as I  feel un eased violated and I no longer trust them with my finances ple ase help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of XXXX XXXX XXXX # XXXX my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2020-12-29
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I have credit monitoring service with Equifax. Today I called to lock my credit reporting down as I received a notice from the IRS that my SSN has been breached. When I called, my call was picked up in XXXX XXXX. Equifax has an offshoring contract with a company in XXXX XXXX taking SSN, mother 's maiden name, address, and phone number with access to my credit file. This is in direct violation of the FCRA. When speaking with the representative, I also found they had a number on file that was not my phone number and refused to tell me where that information came from. Getting intouch with anyone in the US that works at Equifax is virtually impossible. As victim of identiy theft in the last year, the questions Equifax asks for verification are the same questions my hackers had. Anyone can call in and pretend they 're me. I know this, because this happend in the breach that promted me to pay for the extra protection.There is no additional security provied for the {$20.00} a month I must pay. 
The entire practice of Equifax and their credit monitoring must be looked into. The IRS, XXXX and others encourge this service that adds to up a great deal of money up for Exquifax, and money the consumer is FORCED to pay because there is no other option. But my information is not secure. It is offshore and without my permission!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Recently, I sent certified mail with supporting proof of identity theft and the agency refuses to remove items that are a resulting the theft. I have uploaded documentation that was sent. I have also filed another complaint with the FTC, this way all measures will be exhausted and the only thing left will be a civil complaint. There is nothing more to add as this has been ongoing for sometime and many credit violations have been made. There is a timeline in which this has to be addressed and they have not done anything accept take down my score as my continued effort to fix things get worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, 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:
Hi I am submitting this XXXX 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 .This 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now

Company response to consumer: Closed with explanation