BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-02
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:
Victim of identity theft

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 2020-11-20
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified in 2014 from this collection company that I had an outstanding debt from a apartment community. I advised them that I was living in a house in a different county. I then referred the matter to my family attorney. The attorney asked them to validate the debt. He received copies of the paperwork and found that the social security number didn't match mine. The debt was then taken off of my credit reports. I had my credit reports pulled several months ago and saw that they had put it back on there. I have tried disputing the charge but they still say that I owe the debt. I contacted another attorney because the one I had is now retired. The other attorney told me to file this first and if the matter is not resolved then we can take it to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have only looked around at a new home because my current home is being extremely uncooperative. I am a XXXX XXXX XXXX whom works part time making about XXXX dollars less than I was originally making per hour before Covid. That doesnt cover the debt I had finally caught up to and had worked out perfect. I am stressed to the bone and starting to now fall behind on my education because I cant find any form of debt relief I had 110 % under control before recent weeks. I need a home and a place to be able to continue furthering my education but when all these inquiries appear on my credit and destroy my chances of being approved for ANY type of financial help that would allow me to get back on my feet again. I have been unapproved for the amount of a personal loan i would need for debt consolidation. I cant get approved for any financial help at all due to my most recent credit inquiries. Im worried for my future at this point and begging for help. I have individuals looking at my credit report without my authorization and my credit has seriously hit below poor when I have been doing the best I can at setting my payments and bills to ALWAYS be on time. I'm now on the verge of losing everything in my life over something out of my control and consent.

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 2017-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In XXXX XXXX, there were XXXX isolated fraudulent credit card charges on my XXXX credit card account, an account which I opened in XXXX. At that time, I contacted XXXX about the charges, and XXXX replaced my card. I subsequently contacted TransUnion to request that a security freeze be placed on my account. I did NOT dispute the XXXX account, but TransUnion contacted XXXX and required that my account be closed. Further, my 11 year XXXX credit history was entirely removed from my credit report without my consent. On XXXX XXXX, XXXX, I contacted TransUnion and spoke to XXXX, a Supervisor in Special Handling. She looked at my security freeze request and verbally acknowledged that TransUnion was responsible for the error. She stated that I would need to contact XXXX to have the account reinstated, and then TransUnion would update my credit history. XXXX, however, has refused to reinstate my account because they were ordered by TransUnion to close it. I am caught in a XXXX and have tried working with XXXX, TransUnion, and XXXX All XXXX companies tell me that they have no power to reinstate my account ; therefore, my credit history is inaccurate. Because TransUnion made the initial error, I believe it is their responsibility to work with XXXX and the other credit reporting agencies to correct it. I would like my positive credit history with XXXX to be reinstated on my credit report and my XXXX credit card account to be reopened.

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 2020-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THE INQUIRIES LISTED BELOW ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER TO FILL SEVERAL FRAUDULENT APPLICATIONS IN MY NAME I DID NOT SUMMIT THESE APPLICATIONS 1.XXXX  2.US SM BUS ADMIN ODA 3.XXXX  XXXX XXXX 4XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Target 's store Red Card is reporting that my bank account has an " invalid '' Routing Number. When I called in to support they said they don't let you pay with " Online Bank Accounts ''. I have no had issues paying with XXXX XXXX, XXXX, or XXXX XXXX XXXX   XXXX, and there is no difference between those and the XXXX XXXX XXXX XXXX and should not be a way for them to XXXX customers who are just trying to pay their bills with US Dollar tender in a valid US bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bayview loan service took over the servicing of loan number - For XXXX DATE XX/XX/XXXX. 
This company has missed manage this loan the the principal is constantly being manipulated.There seems to be some kind of fraud with the principal balance on the documents. 
When I called in and asked about the loan customer service told me that the loan was 13 months behind and i said how can that be when you have been getting the payments.She asked if i was in a loan modification i told her we were not in any loan modification. 
Then my wife called in on XX/XX/XXXX and customer service XXXX tells her that there is {$7800.00} in a suspense account she said to her why do they have it in there she said she would move it over and that it would take 24 hours to show up in the account. 
Then my wife called in on XX/XX/XXXX and XXXX said there is {$480.00} in the suspense account. 
The original loan amount -XX/XX/XXXX- {$81000.00} Loan amount on XX/XX/XXXX- {$89000.00} Loan amount on XX/XX/XXXX {$88000.00} Loan amount on XX/XX/XXXX {$88000.00} Loan amount on XX/XX/XXXX {$86000.00} On the XX/XX/XXXX to XX/XX/XXXX. The suspense account had {$1900.00} in it. 
They applied the money from the suspense account to the loan. 
The balance was brought to {$86000.00} date XX/XX/XXXX. 
I want to know why this account has so much inconsistency with it and what happened to the {$1900.00}. 
Now the balance is back to {$89000.00} after what looks like they did some type of reversely on this account. I have sent documents to show some of the inconsistency on this account. 
Deliberately creating a technical default or wrongfully declaring a default in order to generate fees and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Convergent Outsourcing is trying to collect a debt for XXXX on an account I had in XXXX. The bill I owed when I relocated to XXXX was {$25.00}. I received a bill in the mail today stating that I owed the creditor {$790.00} with an offer to settle the debt for {$470.00}. I knew that this was wrong and I contacted them and they told me that I only owed the said {$25.00}. I advised that I would pay this bill but requested a document/bill stating that was the amount owed. I had researched this company and it seems that they do this more frequently than I realized. Attempting to collect a higher amount, and if you disregard they will ruin your credit. This needs to be addressed I feel since it can be considered fraud (?? ) possibly?? Or as I felt when I received this bill harassed. I have the account number and document and written documentation of my conversation with Convergent this evening. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

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 2015-05-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
offered opportunity to apply for a Wells Fargo Credit Card. My application was denied by W/F Bank based on incorrect information presented by XXXX Credit Reporting Co. 
W/F Bank they denied card based on 1 ) serious delinquency,2 ) Delinquency time frame too recent or unknown,3 ) Proportion of balances to credit limits is too high on revolving accounts. we have had a W/F Mortgage since XX/XX/2003., and have never been late or untimely with our payments. We recently refinanced our mortgage with W/F and have never, never been untimely with payments. W/F reported to XXXX that we have been late or untimely during the refinance period ... which is not true ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
There was two accounts opened for a Car loan for first national bank and XXXX XXXX that has been disputed under identical theft, but still remains on my credit report after multiple disputes, Ive given them the police report numbers and also the FTC filing numbers stating specific sections of the FCRA mailed to them registered returned mail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2020, I sent Equifax a follow-up letter requesting Method of Verification as they had verified an inaccurate account as being listed as accurate XXXX XXXX XXXX XXXX According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the  procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Based on my certified mailing tracking record number XXXX Equifax received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received not received their Method of Verification within 15 days of my request. By not replying in a timely manner to my initial letter XXXX has not only violated federal law, but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a complaint ( XXXX ) after weeks of trying to get clarification on the forgiven amounts for my modification. Someone - spoke too fast to hear clearly - called me today at XXXX. I was told the person who would be responding, XXXX XXXX, was unavailable and might, perhaps, maybe, would maybe contact me on or after XXXX XXXX to address my questions -- did not say she would provide the financial details, just that she might address my questions. I asked if someone else was available since I have been trying to get an answer for almost a month now ( and getting nothing but run around ). " No, there is no one else who can assist you. '' I was told. 

Wells Fargo has thousands of employees -- all dedicated to giving consumers the run around, creating problems for consumers, and making it a full-time job for a consumer to get a simple answer from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Literally every single day for the past four months, I have received a call on one of my phone lines XXXX XXXX and XXXX ) from Portfolio Recovery Services. When I answer the call, the person on the other line either disconnects the call or asks for XXXX XXXX. While my name is XXXX XXXX, I am not the person they are trying to reach. They are trying to reach my father who has the same name. I tell them this, and they assure me they will remove them numbers from their database. And then the situation repeats the next day. 

Each time I conclude one of these calls, I block the phone number they called from, but it does no good because they call from a different number the next day. To date, I have blocked a total of 133 numbers from 19 different states between two phone lines. I sincerely doubt that Portfolio Recovery Services has operations in 19 states across the country, so this in and of itself is deceiving. 

I want both of my numbers removed from Portfolio Recovery Services database and the calls to immediately stop. There is simply no excuse to harass someone on a daily basis, calling from a different phone number each time so that the person on the receiving end of these calls is essentially left to suffer the continued annoyance. And Im not even the person theyre trying to reach!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
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 was checking my credit report and I saw that I have negative information on my account. Where is account come from. I believe that someone used my personal information and apply for it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
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:
THE ACCOUNTS BEING DISPUTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING INACCURATELY AND I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT. I HAVE BEEN FIGHTING FOR THOSE INACCURATE AND DEROGATORY ACCOUNTS TO BE OFF MY CREDIT FILE. THEY HAVE CAUSED SERIOUS DAMAGE AND IT HAS NOW BEEN HARD TO ACQUIRE NEW CREDIT DUE TO THE DEROGATORY ACCOUNTS STILL REPORTING. PLEASE INVESTIGATE THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchased my 4-plex apartment building in XXXX, with a mortgage from XXXX XXXX XXXX XXXX XXXX. Less than a year later, the country experienced the XXXX " crash ''. 

Since then, the mortgage has been handed off and sold to many other companies, including XXXX, and XXXX. Though I unsuccessfully requested a Loan Modification from XXXX years ago, it has never been refinanced, and my original interest rate of 8.375 % ( an ARM ) still remains. 

On XX/XX/XXXX, I received an invitation to lock in a lower payment by my current company, PHH Mortgage. Invitation attached. When I didnt respond, I was sent a second invitation two months later, on XX/XX/XXXX. 

At the end of XXXX, I found it necessary to streamline my monthly expenses because the main source of income, a community center, had disappeared due to the venue being closed by our governor, due to COVID-19. Ms . XXXX XXXX XXXX processed my refinance application by phone, and I was offered a {$60.00} per month loan payment reduction with a 4.750 % interest rate, which would cost me {$9000.00} in fees and closing costs. I was surprised, as this offer was extended by my current company. Attached is a copy of the Acknowledgment of Receipt of Loan Estimate, and three ( 3 ) pages of the Loan Estimate and Closing Costs. 

In order to streamline application time and causing a Hard Hit on my credit reports, I had requested, up front, the banks fees and closing costs, which she said she didnt know. However, they were supplied to me an hour later, at the end of the phone call. 
Ive been told by another company that the current 8.375 % interest rate is not appropriate or legal during this COVID-19 pandemic time. Im therefore requesting an investigation into PHHs practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I sent a transfer for XXXX from XXXX XXXX XXXX to 5/3 Bank on XX/XX/2020. XXXX XXXX reported that it was deposited today this afternoon. When I called to check my balance the deposit was not there. I want my transfer tracked because I never received it. And it never went into my account. Transfers on Friday happen very quickly. For some odd reason it is not there and is not showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous information reporting on my Credit Report : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I mailed via USPS Priority Mail a letter to Citibank to pay off the balance with a XXXX XXXX check # XXXX in the amount of {$1500.00} stapled to the letter. A receipt from the USPS was received two days later that the letter was delivered to Citibank on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX a statement was received from Citibank that ( 1 ) failed to acknowledge receiving check # XXXX, and ( 2 ) added a XXXX past due fee of {$39.00} and a {$29.00} interest charge! After sending Citibank a letter of inquiry on XX/XX/XXXX asking why they did not deposit check # XXXX, a letter from Citibank dated XX/XX/XXXX stating they " were unable to locate your payment and you may want to request a stop payment on the original payment. '' [ NOTE, THIS WAS THE SECOND TIME IN THREE MONTHS THAT CITIBANK LOST ONE OF OUR CHECKS! Citi had ALSO previously lost our check # XXXX mailed to them XX/XX/XXXX, but later found and deposited it. 
After sending Citibank another letter dated XX/XX/XXXX disputing interest charges and late fees being added every month because Citibank had lost our XX/XX/XXXX check, we sent another XXXX XXXX check # XXXX in the amount of {$1500.00} to replace the XXXXXXXX XXXX check # XXXX that Citibank lost. 

Citibank has flatly refused to address the truth that THEY lost check # XXXX stapled to my letter the USPS delivered to them on XX/XX/XXXX at XXXX XXXX. They continue every month to add more interest charges and fees, failing to acknowledge that they lost my check and are trying to penalize me! I have no plans to be continually bullied by Citibank and am becoming concerned about my credit score if the CFPB can not confront Citibank on my behalf to protect me and my credit reputation!

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