BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to modify my mortgage as I am XXXX. I could no longer work and had to leave the workforce in XX/XX/XXXX. I had be able to continue making payments with the assistance of my finance. 
I was not able to keep up with the mortgage payments when we broke up. I asked for a remodification and they refused. I stopped paying on my mortgage and now I have filed a bankruptcy to keep my home. 
Wells Fargo refuses to remodifiy my mortgage and wants to sell my home. Ive been here for 13 plus years. It is my home and I would be literally homeless. 
Wells Fargo says that I do not make enough to stay in my home nor do I make enough money to declare bankruptcy. 
They have foreclosure and the next auction date is scheduled for the XX/XX/XXXX. 
I want to keep my home and am trying to get a part time job with the XXXX XXXX XXXX California. 
This would help my income level and I absolutely want to keep my home and Wells Fargo isnt willing to help a XXXX person like 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 2020-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
On XX/XX/2017, Portfolio Recovery Associates, LLC added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account Debtor 's creditor did not verify this collection. Also, there was NO contract, or signature for this accused debt at all. A bill without a written signature does NOT validate the debt and anybody can send a bill and say its mines. Not only that, this debt is beyond the Statues of Limitatons for collecting a debt in the state of Texas. According to the FCRA, Profolio Recovery Associates, LLC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23
Company: Coinbase, Inc.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX the XXXX I withdrew {$390.00} out of my Coinbase account to go into my XXXX XXXX XXXX bank account. Its now XXXX the XXXX and it still says my transfer is pending. I 've emailed support twice over the past two weeks for a transfer that should only take 2-5 days. And I 've gotten zero response of what is going on and why its taking so long. My accounts email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Paycheck Solutions llc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I had taken this loan out due to family emergencies and personal issues related to health. My debit card was stolen and my account closed. I was unable to make a payment to the company. They started harassing my HR department detailing all of the information regarding them. I reached out via email asking them to cease contacting my HR department and asked to pay less each period, as I am having continued financial strain. They told me that they wanted me to send a letter from my doctor which I refused. I let them know I'd be filing complaints as their harassment could lead to my termination.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: American Credit Acceptance, LLC
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Loan was paid off on XX/XX/2019. There was approx {$120.00} over payment to be refunded. I have called several times to resolve and have them sent, but they still haven't complied. XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX, Ne XXXX American Credit Acceptance XXXX XXXX XXXX XXXX , TX 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 2017-08-23
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: Personal information incorrect

Complaint:
I spoke to Transunion today about inaccurate address on my credit report. Credit report XXXX. I told them the address that does not belong to me and that I have never ever lived at that address. The agent told me that he could not delete it and I insisted to him the address is wrong. I am concerned about identity theft and I want this address removed before I take the next step to filing a lawsuit. It is the credit bureau job to report accurate information and at this time they are not. I am angry and appalled about this. The only address that is correct is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The other address XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX is WRONG. I hope to have this remedied as soon as possible.

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 2021-01-19
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: Investigation took more than 30 days

Complaint:
I have had an account with this creditor since XX/XX/XXXX and I have prided myself on always making my payments on time. I understand misreporting may happen so I called into the creditor several times and they've assured me the 2 late payments would be updated to current within 48 hours and reported to each credit bureau. There is 1 late payment for XX/XX/XXXX and another 1 late payment for XX/XX/XXXX which I made on time before the 30 days had passed. I have provided previous bank statements and everything thing this creditor has asked of me, with the confirmation these 2 misreporting late payments would be removed. It is now XX/XX/XXXX and I have to file a complaint because this creditor has advised several times well over 90 days ( 30 days FCRA ) that it would be rectified. It is slowing down my lending abilities right now because of this and due to the pandemic, I need to obtain a loan to provide for my family since I am now furloughed with reduced hours again.

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 2019-10-17
Company: MECHANICS BANK
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX of this year a blocked ( needing an order from the court to withdraw monies ) savings account was opened at the XXXX XXXX XXXX XXXX XXXX Rabo Bank - now Mechanics Bank. A large sum was deposited ( proceeds from the sale of a residence ). On XX/XX/XXXX I contacted XXXX XXXX ( she was the person involved when the account was opened ) notifying her that a settlement had been completed and that the entire account that was opened was awarded to me and that I wanted to withdraw the money to deposit it in my own bank. She stated that I needed to send her the settlement agreement in its entirety ( 24 pages ). I did so that same days to her email address. I made a few calls early the next week and left messages that were never returned. I was able to contacted XXXX Wednesday of that week ( XX/XX/XXXX ) and she informed me that she had forwarded the paperwork to " legal '' and that they would be issuing a check later that week. Nothing happened. I attempted to re-contact her on Tuesday the next week ( XX/XX/XXXX ) with no success, so I contacted the central call center. Was informed that the branch would be getting in contact with me by days end concerning this issue. No contact. Re-contacted call center the next day ( Wed ). Spoke to XXXX for close to 45 minutes. Was informed that 'XXXX XXXX at the branch had made the check and would mail it to me. I requested a tracking number by email. Was contacted by XXXX by phone with apology stating that it had been busy. No email with tracking number. Checked account status ( Thurs XX/XX/XXXX ). No withdrawal or check had been made. It has now been 2 full weeks since my withdrawal request was made! Contacted call center again. Spoke to Supervisor XXXX ( direct # XXXX ). He assured me that he would look into this personally. 6 hours later XXXX informed me that the check had been made and would be sent out that day along with a tracking number. 
My complaint is that I believe that there is a timeframe that the bank has to release funds. It is not 2 weeks! I felt that they were holding my money hostage and since I lived a 1000 miles away they could get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was in the middle of a loan modification with Wells Fargo Mortgage and aftersubmitting the same documents over and over they dropped the loan modificationand set a foreclosure of the property. I got a copy of a appraisal of my property, without being told it was being done, along with a letter saying the loan modificationdocuments will be sent separately. The next notification was from their foreclosureattorney with a sale date of XXXX/XXXX/2015. I called the representative and she calledback 2 days later saying submit the same documents again. I sent them on XXXX someone from the re entry team called verifying my details. I called the nextday only to hear I am within the 7 day period of the sale date and they wouldn'thelp. I had got a letter from them a month ago saying I was approved for a shortsale that they claim I requested it. I called the lady whos name was on the letterand she said it went out without her knowledge. I was luckily enough to get themoney together to hire an attorney. I got a letter today XXXX/XXXX/2015, dated XXXX the sale date is XXXX/XXXX/2015, which is the first time I received a writtennotification of a change in my loan status. Please advise me of my options as therehas to be multiple violations. I originally had to get the XXXX department involvedto stop the same situation in XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: IQOR US INC
State: KS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has sold a debt they do not own to another company called Allied Interstate LLC. 

The debt in question is currently owned by XXXX XXXX XXXX and is currently being paid through 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 2022-07-20
Company: EQUIFAX, INC.
State: VA
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:
The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus last XXXX XXXX, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX  XXXX XXXX Balance : {$38.00} ; XXXX XXXX XXXX Balance : {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX try to inform you that I am a victim of identity theft and I complain to question particular accounts in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX  XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$390.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX  XXXX Balance : {$98.00} XXXX  XXXX Balance : {$45.00} XXXX  XXXX Balance : {$45.00} XXXX  XXXX Balance : {$94.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31
Company: Experian Information Solutions Inc.
State: MO
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:
After recently pulling a copy of my credit report I notice that the credit bureau is reporting an account from family support division on my credit report in which I disagree that this account belong to me I believe that this could be a mixed file with my son who has the exact same name as myself. I disputed this account declining any automated response or XXXX   verification in which is unacceptable. I demand that they disclose to me all of the recorded documents retained in their file as of today 's date. Under the Fair Credit Reporting Act 15 U.S.C. 1681g. Not only did they ignore my request but they responded saying verified and refused to send me copies of any physical documents. When I called they informed me they are not required to which is false information and they have refused to remove this account. Unless irrefutably proven, physically to be fully XXXX XXXX compliant and current, true, correct.completely timely, mine, of my responsibility or else mandateoper reporting laws of my state and or federally absolutely no adverse derogatory allegations can be lawfully retained much less legally reported as such. This account remains unproven, noncompliant and or unverified.

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 2019-08-03
Company: Ray Skillman Chevrolet Inc
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
We purchased a vehicle from Ray Skillman XXXX on XX/XX/19. We signed the loan contract and our interest rate was set at 7.94. One week later the finance person called and stated there was a glitch at the bank and our interest rate was actually 9.64 and we needed to come sign new paperwork with the increased interest rates. This upped our payment to {$490.00} per month. I stressed repeatedly we could not afford a payment above {$350.00}. They told us that we had no choice and would have to sign the new contract. They backdated the new contract and had us sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions 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:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2020

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 2019-10-17
Company: Alpha Recovery Corp
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the second time I pay for this account. The company wont send me a letter saying that the account was settled and closed. They still sending me send message to call them and I call and they transfer me and no one send me the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX try to inform you that I am a victim of identity theft and I complain to question particular accounts in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX  XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$380.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$390.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX Balance : {$98.00} XXXX  XXXX Balance : {$45.00} XXXX  XXXX Balance : {$45.00} XXXX  XXXX Balance : {$94.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Company: The Bureaus, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the second time I pay for this account. The company wont send me a letter saying that the account was settled and closed. They still sending me send message to call them and I call and they transfer me and no one send me the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: MO
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 disappointed in seeing the Credit Bureaus take no action in order to remove the fraudulent information from my Credit Report. I have been sending multiple letters with complete attachments of my personal information and an ID THEFT REPORT I received from the FTC. But despite all my efforts to establish a good communication with the Credit Bureaus, the Credit Bureaus have been ignoring my letters as well as became non-compliant with the FCRA section 605b. The Items I am disputing do not relate to any transactions that I have made or authorized, neither did I received any benefits resulting from the theft of my Identity. Also, the Credit Bureaus continued reporting these items without proper verification and authentication. I am appalled by the Credit Bureaus negligence. By submitting this complaint, I am reminding the Credit Bureaus of their obligation with the Fair Credit Reporting Act section 605b. I need the following items deleted completely from my Credit Report : XXXX XXXX  XXXX, XXXX, XXXX  XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX  XX/XX/2022 XXXX  XXXX  XX/XX/2022

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX 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