BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX  # XXXX & XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The credit bureau will not perform a proper investigation nor will they delete inaccurate personal information from my credit reports after all documentation has been sent to them. The courts verified with me via the phone that the liens and the judgments are not verified with the credit bureaus. According to the Fair Credit Reporting Act Section 611 part B subsection iii, they are supposed to verify with the source of the information which they are providing me but apparently that is not what is going on. 

I asked for the following : 1. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
2 Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
3. What certified documents were reviewed to conclude your investigation? 
4. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
5. What did it cost your company to obtain the documents needed to complete your investigation? 
6. Please provide proof of your timely procurement of certified documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My aunt recently passed away. I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX XXXX Maryland. 
I 'm filing a complaint because of the lack of help and correspondences with her lender. The loan was approved for a short sale. The offer was put in for a short sale and the offer submitted was not enough. A new contract and offer was also submitted and they are refusing to move forward with the short sale because " a short sale can not be done at this point because there is not enough time for the short sale process. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: WELLS FARGO & COMPANY
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo Financial National Bank charged me XXXX in interest on a loan that was to be a promotion. I made payments for 6 months on this loan and was charged monthly interest and yet was charged from the time I originally got the loan. So Wells Fargo is charging me double interest on this loan, as a penalty. It is unfair that they are doing this.

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 2021-01-28
Company: PREFERRED MORTGAGE CORPORATION
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Email : XXXX An email was sent to request the revision of the XXXX XXXX file since one or more documents were found with unauthorized signatures. 

The Purchaser ( s ) Signature dated on XX/XX/2020 was not signed by me nor did I give authorization to create the digital signature used on document AMENDATL XXXX. 
The Purchaser ( s ) Signature dated on XX/XX/2020 was not signed by me nor did I give authorization to create the digital signature used on document " Amendment to the Sales Contract, Change Finance Type or Escrow Amount ''.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
Wells Fargo stated I submitted XXXX claims to XXXX XXXX XXXX XXXX XXXX. I have previously issued a complaint as I never approved a policy with XXXX XXXX XXXX. They say they have a recording of me but I would like a transcript of this recording because I have proof the recording was fraudulent due to an address change instituted by the XXXX-dispatch in XXXX County. I also would like proof of the XXXX claims they said I initiated under this policy. I will not speak on the phone with Wells Fargo. All transactions must be in writing so I can submit them to the CFPB. Charges were fraudulently made to my Wells Fargo Credit Card but that is a previous complaint. I will pursue the incorrect statements from Wells Fargo that I made claims to the 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 explanation
Consumer complaint received 2017-03-14
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was checking my credit report and found that I have a brand new account in collections from Transworld Systems. There was NO information on this account, it is mostly blank fields and says that I owe {$140.00} to Transworld systems, date opened XX/XX/XXXX. I called the debt collector and spoke to a representative. The lady on the phone told me she had trouble finding the record but after lots of pushing, she told me it was from a company called National grid ( which I do not recognize ) dated originally from XX/XX/XXXX. I told her that I did not recognize the debt and it was also from a different state than I lived in, and lastly that it passed 7 years and I was beyond the statute of limitations regardless and requested a verification of the debt. The representative told me that transworld does not send verifications and that 'the best they can do ' is to ask the original company to send me a verification soon. Its been XXXX weeks and I have not received it. They refuse to validate the debt and they also illegally re-aged my debt and it destroyed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and 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 2016-10-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
For 3 years, I have been renting & living in the home I am currently trying to purchase. I have invested about $ XXXX into the house- I take care of my mother who is an XXXX. I have remodeled the house to be totally handicap accessible. 
I paid a down payment of $ XXXX directly to the seller. I have an additional $ XXXX for the down payment for the mortgage loan. My credit score is XXXX. 
On XXXX/XXXX/16 I went to the wellsfargo to get a mortgage. XXXX XXXX ( mortgage rep ) said I would be approved with no problem but had the seller and I change our purchase agreement to a higher amount of $ XXXX when the selling price was $ XXXX. He told us it was to offset the equity and to avoid PMI and a down payment. Reluctantly the seller and I did what he asked. Then had the seller do a GIFT OF EQUITY of $ XXXX. Both the seller and I were confused but did as asked. I paid for the appraisal and XXXX printed out the loan documents. 
The closing date was XXXX. On XXXX I contacted XXXX because I had n't heard from the appraiser yet. XXXX said he would find out why. He did n't. 
On XXXX I went to the bank because I did n't hear back from XXXX. XXXX said that he could n't do the gift of equity and he had us to change the contract again. XXXX was the last time I heard from XXXX. So I went to the bank over XXXX times talked to numerous managers including XXXX the main guy and no one knew why XXXX was n't contacting me nor did they have an answer why we had to change the price. No one at wells fargo could tell me the standing of the loan. 
My title company tried to contact XXXX with no response. My closing was XXXX. No one at wellsF could tell me what happened with the loan only that XXXX is unavailable. 
Now I have lost my $ XXXX down payment and my investment of $ XXXX and the house will be sold to someone else and I have to move. 
I am now 100 % sure that XXXX committed FRAUD and misrepresented himself with the purchase price/gift equity crap. I talked to a different bank and told them what happened and they told me to report XXXX and wells fargo. I have complete documentation of this whole horrible encounter. I lost my home and $ XXXX because of this guy and wells fargo.

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 2017-02-06
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Bank closed my XXXX credit card accounts without any reason or anything negative that I have done. I have always paid my bills on time and in most cases I paid the bill in full by the due date. By closing my account I lost all the points that could have been redeemed for credit on my statement. I have been as customer for about 3 years. I started with a {$2000.00} credit line my line was at {$12000.00} at the moment as well as XXXX other credit lines XXXX for {$10000.00} and XXXX for {$2000.00}

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 monetary relief
Consumer complaint received 2023-02-02
Company: IOWA BANKERS MORTGAGE CORPORATION
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I inquired on a PMI statement that I received in XX/XX/XXXX to my banker. I was told by my original loan officer that once I pay up to 78 % of the loan, the PMI will go away and I wont need to make any more payments. I decided to pay make an extra payment one month after the loan to be below the 78 % on XX/XX/XXXX. 

I now being told that XXXX XXXX  recognizes the extra payment to 78 %, but the loan is actually outsourced to XXXX and they go by the " scheduled '' to 78 % for the automatic cancellation and don't recognize extra payments. This means I have been paying a PMI for 3 years even though I have been clearly under the 78 % and was under the impression that I wasn't I will note. I did not send a letter to cancel my PMI to XXXX until now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I HAVE BEEN DISPUTING XXXX STUDENT LOANS THAT WERE TRANSFERED OVER TO XXXX FOR CONSOLODATION PURPOSES ... ONCE TRANSFERED EXPERIAN REPORTED THAT THERE WAS LATE PAYMENT ON ALL XXXX ACCOUNTS WHICH IS NOT ACCURATE ... .I HAVE BEEN DISPUTING THESE LATE PAYMENTS FOR A YEAR NOW AND EXPERIAN DOESNT RESPONDS EVERY XXXX DAYS WITH A LETTER STATING THAT THEY WILL NOT INVESTIGATE THESE XXXX ITEMS LISTED ON THE DOCUMENT ATTACHED UNTIL I HAVE SUPPORTING DOCS

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 2016-07-27
Company: M&T BANK CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I requested a XXXX Loan from M & T bank but it was not processed as I wished. Instead of processing a XXXX Loan the Vice President XXXX XXXX processed an M & T XXXX Loan Application and today I received a denial letter. The Federal Equal Credit Opportunity Acy prohibits discrimination and I am protected under the Consumer Credit Protection Act. My rights have been violated. As well as my credit score could have been effected by her actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: IL
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 victim of a violation of the laws pertaining to the protection of personal information. My name is XXXX XXXX, and I am filing a complaint against XXXX Equifax and XXXX as a natural person who has experienced identity theft. These businesses violated my right to privacy by accessing my consumer report without getting my permission or approval in writing. They have also given other companies access to my non-public personal information. It is outrageous that XXXX Equifax and XXXX are in clear breach of my right to privacy as a customer. of the Gramm leach Bliley Act of 1999, and the FCRA. pursuit to 115 U.S Code 1681c-2 Block of information resulting from identity theft. They did not handle their responsibility of protecting my non-personal data with impartiality and respect. please delete all these accounts. 

Account # XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: CA
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Discover credit card has a voluntary closed account shown on my credit report as an active credit card balance which is affecting my credit usage and is showing a usage of 80 % on my credit report. Before my Discover credit card was closed years ago, my credit limit was {$7000.00} and I was placed on a hardship payment plan of $ 65 monthly and Discover informed me that the account will not be listed on my credit report. The Discover account is also not listed on my XXXX XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PayPal continues the practice of 'defaulting ' to their in house credit card as a form of making online payments. Several times I have found that I thought I was making an online purchase with either my personal bank account and or my PayPal account balance only to find weeks later that the payment was made with the PayPal credit card and they contact me to let me know my credit card payment is late and they are adding late fees. This a very clever but unethical practice and it needs to be addressed, as I am certain I am not the only person who has fallen victim to their trickery

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: FinCo Services Inc DBA Current
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX I used my Current Debit Card to make a transaction from my Current Checking Account to my XXXX XXXX XXXX so that I could move it to my other debit card not related to Current so I could get gash to pay my rent. During the transaction XXXX approved the transaction for receiving the monies, however Current Bank declined the transaction at the last minute, therefore holding up my 600.00 in a pending status. This is the only money that I had. Today my family and I are sleeping in our vehicle because we could not access our funds to pay our rent. Current will not help solve the transaction they want the time to run out of 10 days. I don't have 10 days, we have no food, no shelter. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX living now in a car because of this nonsense. Today is XXXX and I can not even get enough money for a meal for them. I am standing out begging strangers to please help us all because current pulled some shady transaction and held up all my money. I spoke with XXXX XXXX and they indicated that is a common occurrence with this Current Bank. It is fraudulent and I bet if someone looked deep enough they would find some fraudulent activities going on. As of now I am out 600.00. I am seeking legal help come Monday morning. I may not get anywhere but I at least have to tell my story in hopes someone will listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX foreclosed on our house XXXX XXXX. First delinquency was XXXX XXXX. It 's been almost eight years since then. All three credit reporting agencies refuses to delete the item from our credit report despite many many disputes over the years. Most recently Equifax reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of first delinquency. They also suddenly repotted that " adverse accounts paid in full will automatically be deleted seven years from the date of last activity. '' However the account was foreclosed not paid in full and has never been reported as paid in full until now. XXXX is unreachable. It bankrupted in XXXX and the phone number Equifax gives us does not provide any way to access anyone. We can not buy a new house until this foreclosure is delete and we have already waited over 7.5 years. I have attached the documents we have sent many times to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: NV
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXXata breach and 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 non-monetary relief