BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo has refused to put me in contact with the " single point of contact '' assigned to my account and has refused to discuss options within a reasonable time frame for resolution on a mortgage to a property I no longer intend to keep. The loan was current when I asked for cash for keys or similar solutions. Now the home is three months past due, occupied by vagrants and squatters and sits in ruin. Still no call from the appropriate person at Wells Fargo and continued unnecessary damage to me credit. A resolution is demanded as of three months ago, and WF remains uncooperative.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$9500.00}.

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 2017-01-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been requesting verification of the following account that Equifax continues to report on my credit file : XXXX FED Bk CT- XXXX XXXX Case ID XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX as the source of their verification on XXXX XXXX, XXXX. 
On Monday XX/XX/XXXX I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Lei agent ID # XXXX and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my Lexis Nexis credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX. 
I demand that this public record XXXX FED Bk CT-XXXX Case ID XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agent assured me that Equifax '' s so-called " verification '' on XX/XX/XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX XXXX FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : XXXX FED Bk CT-XXXX XXXX CASE ID XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : XXXX FED Bk CT-XXXX XXXX CASE ID XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. A XXXX XXXX agents XXXX XXXX ID XXXX ) assured me that Equifax 's XX/XX/XXXX " reported date '' and " verification date '' DID NOT come from XXXX because they DO NOT disclose information on accounts with a security freeze placed on them. Please help! 
________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I had to go Bankrupt in 2013 due to my husband passing away.I have a car loan and that 's all, I do not have any credit card 's at all.I have to get a small loan {$200.00} for my XXXX.The Credit Agency keeps saying I have credit cards that do n't exist.XXXX for XXXX I have NEVER dealt with these people and XXXX XXXX and again have not EVER dealt with these people.Everything else I have been making payment 's on time for my car.I checked my credit and it say 's nothing deliquint and nothing in collection's.So what 's the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan has been under 78 % LTV and I have requested in writing twice for Wells Fargo to drop my PMI coverage as the Homeowners Protection Act of 1998 states. They refuse and state I have to have it for 5 years. I have been under 78 % for more than 3 years. They state I have to be under 78 % and seasoned 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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:
I applied for a credit card with XXXX XXXX XXXX XXXX and was turned down i believe for information that is False. XXXX  company stated that my Equifax credit report shows Serious delinquency and my length of time with credit is too short. Please see the below attachments. Moreover, my credit score is XXXX. Please reconsider your decision based on my information provided. I attached information showing that i have nothing in collections and I have XXXX  years worth of credit! Equifax is reporting False information. This dispute is with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: CA
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:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC. I have the right to privacy and I did not give equifax permission to furnish these accounts. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: WHEELS FINANCIAL GROUP, LLC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
ja m a Service Connected XXXX Veteran with XXXX  health diagnosis. I became unable to work full time and began to have financial hardships. I was waiting for unemployment and needed some money to carry me until it was approved. This was in XXXX XXXX XXXX. I contacted XXXX and told them about my hardship and asked for a loan of {$2500.00}. I was told that I had to take out {$5000.00} or more. When I took out this loan I was under duress and was confused about the terms and conditions. I asked what was owed on my account and I was told that I owe {$6700.00} which was {$1700.00} more than I borrowed even though I have been paying for a year. 

Loan Date : XXXX XXXX Loan Amount {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: OK
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:
This letter is the second formal complaint that you are reporting inaccurate credit information. I disputed the account on XX/XX/2022. I have not received a response and you are in noncompliance with the FCRA.

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a Home loan to refinance, which was highly embarrassing, has negatively impacted my lifestyle, as well as is now depleting my personal finances. Time is running out.

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 2017-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
UNFORTUNATELY -- MY HUSBAND AND I HAD TO FILE A CH. XXXX BANKRUPTCY IN 2011. 
ON ADVICE OF OUR ATTY ; WE DID NOT RE-AFFIRM THE LOAN WITH WELLS FARGO AS " SERVICER ''. SINCE, I HAVE KEPT THE LOAN CURRENT ; EXCEPT FOR A 3 MONTH PERIOD WHEN I WAS ATTEMPTING TO GET A " HAMP '' MODIFICATION. AT THE TIME OF APPLICATION, WELLS TOLD ME TO BE ELIGIBLE, THAT I HAD TO MISS XXXX PAYMENTS. 
SO, MY ISSUE WITH WELLS IS TWO FOLD REGARDING CREDIT REPORTS : ( 1. ) THEY CONTINUE TO SHOW XXXX MISSING PAYMENTS -- EVEN THOUGH WELLS TOLD ME TO DO SO -- AND -- THEY DO NOT ANSWER THIS WHEN I WRITE -- THEY ONLY SAY PURSUANT TO THE FDCPA ; AND ( 2. ) AS STATED, WELLS DOES NOT/WILL NOT SHOW THAT I KEEP PAYMENTS CURRENT. AGAIN, THEY STATE BOTH THE FDCPA AND CALIFORNIA FDCPA. 
THEREFORE : IS WELLS WITHIN THE LAW BY ( 1. ) CONTINUED REPORTING THESE XXXX MISSED PAYMENTS ; AND ( 2. ) IS WELLS WITHIN THE LAW BY DENYING THE FACT THAT I MAKE PAYMENTS ON THIS LOAN -- EVEN WHEN I ASK THEM TO REPORT? 
THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAL. XXXX FORMERLY : XXXX XXXX XXXX XXXX. 
XXXX XXXX, CAL. 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 2015-09-01
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
So they are back at it!!! I spoke with a employee at my sons bank to understand how my son cashed a check I wrote to him could be presented on XXXX XXXX when I clearly gave him the check Saturday XXXX XXXX,2015 I saw the copy and realized I dated the check incorrect I thought Saturday was XXXX XXXX instead of XXXX XXXX ... Wells Fargo saw the date on the check and hit me with a {$35.00} overdraft fee!! The check was cashed on XXXX XXXX!! The funds were avalible on XXXX XXXX!!! I am disgusted with these sneaky tactics!!! And when I tried to click on the check image the Well Fargo site wo n't allow me to view the image

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2022-09-10
Company: College Foundation, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have always paid my bills on time. College Foundation XXXX  did a terrible job communicating that FFELP loans were not protected from reporting under the CARES act. I want the 60 days past due from XXXX to be removed. It dinged my score XXXX points. It is unacceptable. My mom died this year. We are in a pandemic. XXXX is a servicer meaning part of their job is to communicate effectively to their clients on behalf of the federal government whose loans they are responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo talked me into making bi-weekly payments on my mortgage. I noticed that the interest on my loan was only adjusted " monthly ''. When I called and complained, I was told " that 's how we do it ''. So ... they talked me into holding my money for 2 weeks while " they '' accrue interest on it. I feel that possibly thousands of people, like myself have been talked into this scam. We should all get credit for interest lost and compensation for their scandalous actions.

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.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 2017-12-14
Company: Mr. Cooper Group Inc.
State: KS
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX we received a letter stating that we have n't provided proof of home insurance for our reverse mortgage to XXXX XXXX and that they had bought insurance for us for {$2600.00}. Since our insurance company, XXXX XXXX, had always provided this information to XXXX for years, I had paid no attention before. I immediately went to XXXX XXXX and they provided the necessary proof to the XXXX insurance division. On the XXXX of XXXX, I received a letter from the XXXX insurance division cancelling their insurance and crediting our account. 

A couple weeks later we had a visit from a debt collector from XXXX. Then, a home appraiser wanted to come to our house. Then the foreclosure threats started to arrive.

I have contacted the XXXX customer service department many times including the following : XXXX XXXX ( do n't have record of date ) XXXX XXXX on XXXX XXXX on XXXX ( he even wrote up an email to his manager while I was on the phone I have contacted their insurance department a couple of times and they have assured me that our account has been cleared, but the customer service department says otherwise. I even had a 3 way conversation between the insurance division and XXXX in the customer service department on XXXX. XXXX said their was another letter in our favor in the mail, but it turned out to be another foreclosure threat. 

Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Called Synchrony and reported fraudulent charges, two charges on XX/XX/09 one for {$38.00} and one for {$94.00}. Was told they would be handled, the smaller one was removed and the larger one was not. Had numerous conversations with the fraud department with very little response. We pay are bill in full every month, we paid everything except the two charges. Now we are being hit with interest charges and they act like they no nothing about the fraudulent charges. We have cancelled the card due to the poor 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 monetary relief
Consumer complaint received 2017-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates, amount of {$920.00}. I have disputed this item several times and Portfolio Recovery Associates has not responded. Portfolio Recovery Associates has reported this information to my credit reports as this information does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: CA
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 account # XXXX has violated my right 15 U.S.C 1681 section 602 A states i have rhe right for privacy 15 U.S.C 1681 604 section A section 2 ; it also states a consumer reporting agency can not furnish account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  account # XXXX has violated my right 15 U.S.C 1681 section 602 A states i have rhe right for privacy 15 U.S.C 1681 604 section A section 2 ; it also states a consumer reporting agency can not furnish account without my written instruction

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 2021-10-27
Company: EQUIFAX, INC.
State: GA
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:
I am demanding that this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That is a violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A by Equifax.

The term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. 

15 U.S. Code 1681e ( a ) Consumer reporting agencies must maintain reasonable procedures designed to avoid violations under section 1681c which includes violations of permissible purposes, and I am aware that no consumer reporting agency can furnish a consumer report to any person without following all the purposes listed in section 1681b of this title 15.

15 U.S. Code 1681e ( b ) A consumer reporting agency must follow and maintain reasonable procedures to assure maximum possible accuracy of furnished information on my consumer report.

This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion continues to report obviously incorrect information for the XXXX account on my credit report. It shows a 90 day late payment for XX/XX/XXXX. It is not possible to be 90 days late in a 30 day period. Moreover, if payment was 90 days overdue for the 30 day period of XX/XX/XXXX ( which defies basic logic ) why does the report show on time payments for the following adjacent months : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX ; and XX/XX/XXXX? Transunion has an obligation not only to verify information reported from a creditor, it is also obliged to report information accurately, which it has clearly failed to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation