BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-20
Company: LEXISNEXIS
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:
On XX/XX/XXXX, I submitted a dispute for a chapter XXXX bankruptcy case # XXXX that is listed only on my XXXX credit report. On XX/XX/XXXX, XXXX replied to the dispute and advised that they received correspondence from LexisNexis, which is their vendor they use to verify bankruptcies, that it was certified as accurate. I was then advised that I would need to contact them to complete a method of verification in order to see how they were able to verify it. 

On XX/XX/XXXX, I contacted LexisNexis for a method of verification, and on XX/XX/XXXX, I received a letter of resolution that states since they were unable to verify the accuracy of the bankruptcy # XXXX, it was removed from my credit report. 
When I received this letter, I immediately uploaded the evidence that the bankruptcy was removed to their website XXXXXXXX. I was then advised that I needed to open another dispute with XXXX which I did. On XX/XX/XXXX another dispute was opened, and on XX/XX/XXXX XXXX replied AGAIN and states that the bankruptcy was certified as accurate by LexisNexis. 

I contacted LexisNexis again on XX/XX/XXXX and they advised that there is no bankruptcy showing on any of my credit reports, and they do not understand why XXXX is saying this. They advised they would open a manual dispute again, but I advised this is not solving the problem and I would file a complaint. 
XXXX uses LexisNexis to verify bankruptcies that they add to your credit report, but would not honor the supporting evidence from the same company to have this bankruptcy removed. It is not fair that I have to suffer through this when I have done everything I can as a consumer. I have no other choice but to submit a complaint as there should be better communication between the two entities. 

This complaint is being submitted because when I call both companies, they both tell me to call the other party when it is their job to get this information removed immediately. I am filing this complaint in lieu of seeking legal representation. I want to get this matter resolved immediately, as this issue is having an enormous impact to my credit report. I have proved all of the necessary documents asked of me from XXXX yet they are choosing not to do the rightful thing, and that is to remove this negative item. 

Attached you will find a copy of the resolution letter from LexisNexis dated XX/XX/XXXX that confirms they removed the bankruptcy, but XXXX  is refusing to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I went to wells fargo to apply for a mortgage loan. I was given a preapproval letter by XXXX XXXX stating how much I was approved for. I gave the letter to my real estate agent and we started looking. Within a few days we found a home. We communicated with the loan officer the amount of the home and he gave us an offer amount that fit our payment needs while being in the budget he gave us. The offer he told us to give was accepted so I proceeded to borrow from my XXXX for the {$1000.00} binder needed as well as the inspections. XXXX then told us to immediately give the money back to XXXX XXXX because it would look bad on our credit, not knowing XXXX loans do not affect your credit what so ever. XXXX should have been very well aware of that! So we could not give the money back so he advised us to immediately use the money to pay off a couple of credit cards to make up for taking out the loan. This was unescessary money we did not need to spend nor could we afford to spend then to find out it was for absolutely no reason in the end. We proceeded to move forward with inspections and XXXX. This is when all phone, email, or text message communication completely stopped. We reached out numerous times to let him know all these things were done and we were ready for finalizing. Well after about 8 days we realized the loan was not going to go through, he had inputted my info wrong. I still have not recieved a call from him at this point I have reached out to corporate and was informed that he was wrong and they were sorry ... .Well now I have taken out a {$2000.00} loan, paid for all inspections, paid off XXXX credit cards with the money borrowed per his advice, and put down a {$1000.00} binder all on the word of my loan officer who allowed me and encouraged me to move forward. Corporate does not seem to think this is a big deal and have not in any way tried to make ammends. I feel very strongly wells fargo owes me all the money that I spent in this process because it was money that was wasted and money I did not need to spend nor did I have.

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 2021-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
On XX/XX/2021 I spent numerous hours on the phone between Bank of America, XXXX XXXX and XXXX attempting to rectify misinformation about the discrepancies in reporting on : 1. Bank of American non-reporting on payments and with reporting that doesn't reflect accuracy of bank statement balance vs credit reporting to XXXX XXXX XXXX. 2. XXXX reporting on XXXX. 

Currently my credit score went fromXXXX to XXXX and I was told it resulted from two hard inquiries of reach I secured XXXX more in credit from XXXX. The second inquiry was made by XXXX XXXX  whom made a one time credit inquiry based on securing a home load. Both inquiries was made two weeks apart and should not have resulted in a 43 point drop in my credit score. I was informed that the 2 hard credit inquiries, negative payments and lack of information on my home mortgage was resulting factors in a 43 point drop on my credit score. I do not meet the criteria for either of the listings for the drop in my credit report. 

I have a case number for Bank of Americas dispute and a pending dispute with XXXX on state items. 

In addition, I am a paid credit card monitoring member through XXXX and I have attained no help with resolving these matters on neither a pre or post basis of changes in my score and for its reasoning. The paid membership appears to be unassisted in its duties as outlined in the product service policy.

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 2016-10-06
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for loan with Citibank Mortgage now I already have a mortgage with them, I was asking to borrow money. I started this process in XXXX 2016 and turn in all the proper paperwork that was ask, I went through the underwriting process and was approve. 2 weeks ago now I was told I 'm not approve of the loan. I 've called several times to speak with some at Citibank Mortgage but all I get is voicemail. Please have someone to contact me about Citibank practices in the Home Mortgage department

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 2015-06-08
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
U. BANK XXXX SERVICES AND COLLECTION AGENCIES KEEP SKIP TRACING XXXX XXXX REGARDUNG ACCCT # XXXX ( LAST XXXX ). XXXX AT ( XXXX ) XXXX X XXXX. THESE ARE VIOLATIONS OF TCPA AND FDCPA. AND MUST STOP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have asked TransUnion to correct my name several times as I am not known by the last name of XXXX. I was married on XX/XX/XXXX and my last name is XXXX. I have also asked Trans Union to provide me with proof I authorized the inquiries on my account. Most recently, they responded with a letter sent to XXXX XXXX on XX/XX/XXXX. My credit report shows my name as aka XXXX XXXX XXXX! This makes it difficult to receive mail because XXXX XXXX is no longer my legal name. I have forwarded my marriage license and updated drivers license but they still refuse to update my file.

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 2016-01-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
On XX/XX/XXXX I made a purchase on my credit card on XX/XX/XXXX I made a payment. 
Then XXXX XXXX I made another payment for my XX/XX/XXXX Bill And then XX/XX/XXXX I made a payment for my XXXX th Bill. 

I was charged a {$27.00} late fee for my XX/XX/XXXX bill. 

Apparently I was told that my bill ended XX/XX/XXXX so the payment I made went to the XX/XX/XXXX bill I explained what happened and the representative could see and understand but unformed me she would not reverse my late fee. That it was my fault for paying at the beginning of the month and not a bank error. 

I made a payment XX/XX/XXXX and was charged a late fee XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have submitted all info in reference to many accounts and inquiries opened in my name. I have provided police report, FTC affidavit, copy of my driver 's license, social security card, bill, etc. I have advised them that many of these accounts, broken lease ( which I have provided to XXXX ), inquiries, etc are not mine. I am livid, XXXX that I have done what I need to do, provided information, etc and still have not gotten correct remedies to the situation. I have attempted to reach out to these companies and have been advised that my information was used and provided ( hence the reason I have obtained a police report and FTC affidavit ). I should ONLY have inquiry fom XXXX XXXX XXXX, Department of Education, Walmart and Discover 2016 this is it ... XXXX was opened fraudulently in my name as I lived and have provided info to this company that I lived XXXX Tx, and have only had a XXXX. This is ridiculous as these companies are ignoring the fact that I have provided and stated this is fraudulent and are still reporting this on my Credit Bureau Report with no help from the reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was offered {$200.00} in sign on bonus if I spend {$1000.00} in the first 3 months. I did so, and yet did not get any rewards so I called them up and they informed me that the terms indicated that I actually had to spend {$1500.00}. I am 100 % sure TD has messed up here. They are saying that in their day the spend amount indicated is {$1500.00}. 

I distinctly remember when applying online it was {$1000.00}. It is a very click bait and also very bait and switch

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-29
Company: Collection Bureau of America Ltd.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote to Collection Bureau Ame on XX/XX/2020 regarding account # : Unknown for the amount of {$390.00}. COLLECTION BUREAU OF AMEXXXX XXXX has not responded to me at all. I is now over 30 days and they also have not sent me proper validation despite my formal request. I have attached the copy of my letter to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: MI
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/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 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 take legal action due to the stress you caused me. My information may have got 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 2022-12-15
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been submitting documents to MOHELA since XXXX XXXX XXXX They are blatantly lying and dragging their feet. I have talked to them on the phone. I have pointed out where they are rejecting my forms and deliberately stating falsehood. I have sent them documents and highlighted where they are not telling the truth. They are claiming my employment end date is before my employment begin date. I have resubmitted forms using different fonts and have had employers fill out forms a second time and MOHELA still lies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: National Business Factors
State: NV
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 sent in my police report and my affidavit to the three credit bureaus that is enclosed with this complaint. I contacted XXXX and XXXX Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after providing police dept and filing a police report and identity theft affidavit. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character. They claim the collection agency verified this fraudulent account yet i never received anything from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I applied for a home loan modification through our lender, DiTech, beginning XX/XX/2016 due in large part to a reduction in income. We submitted paystubs, bank statements, a hardship letter, and all other documents requested in a timely manner. Then, we heard nothing until just today -- denying our request for a modification and any other options. I might add that DiTech asked us to send the same information 4 times ( and for which I have the fax confirmations ), claiming that they did not receive the information required to complete our loan modification application. I feel as if they simply delayed the resolution of the application until I was too far behind in my mortgage and now they are asserting that we are in default because my property value, and income are allegedly too high. I had a change in income which is why I needed the modification in the first place -- -and still do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have notified Transunion that I am a victim of identity theft. The following accounts do not belong to me and I need your assistance in getting this matter resolved and these items removed from my credit file. 

1. XXXX 2. XXXX 3. XXXX 4. 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 2016-09-26
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I attempted through Western Unions online website to send {$150.00} on XX/XX/2016 to a person in the XXXX. Western Union told me that they would not process the transaction for " security concerns '' but would not tell me what those concerns were. However, they still took the money out of my account ( I used a debit card ), and have yet, 10 days later to return it there. 
As you can imagine, this is quite a swindle they have going on. With hundreds of thousands of transactions if you play this game with a percentage, and then get to hold onto the money for weeks, you can gain substantial use of other people 's money. 
This is the exact equivalent of stealing someone 's car under false pretenses, and then returning it only weeks later and acting as though that is not pure theft. 
In order for you to receive a valid response from WU here is the MTCN number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2021 I filed a dispute with Equifax regarding the multiple bankruptcies with similar filing dates that they are reporting. They responded that XXXX verifies and validates the public record information that they are reporting. Around the same time I called XXXX and they were unable to locate a file matching my name, dob, and address. They also advised that they download data from the Pacer system that does not provide social security numbers, and dates of births. XXXX stated that Equifax is responsible for matching this data to date in their credit file to ensure the accounts are reported to the correct person. I have asked Equifax multiple times how they verified and validated that these bankruptcies belong to me without using my social security numbers. They responded that they verified this information with the US Bankruptcy Courts. Please see the attached letter from the US Bankruptcy Court showing that Equifax lied and did not actually validate or verify the information they are reporting. In fact they fraudulently reported inaccurate information knowing they never actually verified this data.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage company is Ditech. We bought our house XX/XX/XXXX. I wanted to pay my own taxes and insurance, was told I could not. Escrow monthly is {$310.00}, more than enough to cover everything. When the XX/XX/XXXX taxes came due I started getting notices that it had not been paid. Called ditech, said they paid it. VERY LONG story and over 30 hours on my part and now with fall late charges and spring coming due, I finally discovered the problem was they had the wrong Parcel #. Still they would not pay it or change it. They paid on the wrong parcel number ( {$270.00} ) every six months. Guess that low amount compared to what I had in escrow didnt cause any red flags. Finally had to get a lawyer involved even after I sent tons of paper work with the parcel description etc. It was finally paid all at once in XX/XX/XXXX. 
Then they didnt pay my insurance .... another fight insued and I finally got them to pay it one day before cancellation! Then they tried to tell me that my Escrow was doubling because my taxes doubled!!! This was because they paid them both at the same time so somehow that meant in their computer that the taxes doubled. 
Mistakenly I believed all to be fixed as they assured me it had. I did petition to take over Escrow since I had already invested 60hrs of my time to make it happen ... ... Then in XX/XX/XXXX I started getting the letters again that my taxes had not been paid! Then an email that the had in the amount of {$270.00} ... unbelievably to the WRONG parcel number again! I called and Ditech says they have NO RECORD of all the changes etc. He says that the only thing in my file is a request from me to check the parcel number I thought it was wrong ... this was XX/XX/XXXX. NOTHING else in there. Im beyond words.I just get the pat answer and no one can help. the first time around I left over 10 messages for supposed supervisers. NEVER got a call back until my Lawyers letter was received. Of coarse friday no supervisor was available.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: EQUIFAX, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation