BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-21
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: Their investigation did not fix an error on your report

Complaint:
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to equifax, XXXX, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, eqifax, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
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: Their investigation did not fix an error on your report

Complaint:
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXXt/XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to equifax, XXXX, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX/XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, eqifax, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Benchmark Capital Management, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My conventional mortgage is through West Michigan private Capital fund. I fell behind because of the coronavirus and was unable to collect unemployment or any stimulus money. During the 2021 calendar year I paid close to {$13000.00} in mortgage payments where my note is only supposed to be {$760.00} per month to include taxes and insurance. As of XXXX the CFO of West Michigan private Capital fund stated that I am still a couple thousand dollars in rear edge on my mortgage. I do not know how this could be. I have asked for statements and I have not received any the only thing I have ever received from this company is default notice. I do not know how to even get any more information on this mortgage because the mortgage company spins me in circles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXXt/XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, XXXX, and transuion. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX/XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, XXXX, and transuion. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.

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 2017-07-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We believe to have been victims of predatory, discriminatory and almost fraudulent treatment from Wells Fargo on a loan we received for {$89.00}, XXXX in XX/XX/XXXX. To start it was not a lone we asked for, but one they called on to offer, as we were excellent customers with a great record, once we accepted the loan the bank officer only wanted to work with my wife because " the paperwork was easier ''. She put her down as XXXX when she is not. When we suffered a catastrophic financial situation and told in XX/XX/XXXX with the aim of getting help with the mortgage, we started a nightmare process with them that has lasted 8 years and continues. They said they wanted to help, but their actions show that is not the case. All they have been interested in is finding ways, of dubious almost fraudulent nature to increase their fees and other charges. They did n't tell us for years their investor did n't participate in the Home Affordable programs and when documents for a workout it was under this program. In XX/XX/XXXX they asked us to return some pages of a Loan Modification document, where we had questions so they could review it before we signed it, but they never called back. When we finally reached them, they told us we were no longer considered as we had rejected their offer. ( False ) They dragged it on for months, when they sent another " offer '' its was way more expensive. We explained everything to a supervisor, she investigated and found the bank had mishandled the account, offered to rework the documents as she wanted to help. We never heard back from her, No explanation ever given. All years after always offering under the Home Affordable program when they knew it would work. Their offers keep getting more expensive to their benefit. If they did n't want to help we would have done something else with the property earlier. Its a property we bought in XX/XX/XXXX. We were forced to file Chapter XXXX, to save the property and se if we could get a workout, this before we knew the investor did not participate in the program. While in Chapter XXXX one of their lawyers files a false claim charging that we had n't made any payments, with the aim it seems of getting the Court protection lifted, so they could go after the property. And on and on. I can go for ever its been 8 years of dealing with a most dishonest institution. They have never explained properly what type of loan they gave us. certainly not one for excellent customers as we were. All we ask is that they lower the interest from almost 7 percent and transfer the outstanding balance to the end of the loan.

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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion 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 non-monetary relief
Consumer complaint received 2022-01-27
Company: Sentry Recovery and Collections, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sentry recovery and collec states I owe for an apartment I never lived at nor rented. I've tried to dispute it and nothing changed. I lived at XXXX XXXX XXXX XXXX. This is not my account and someone opened this account fraudulently. I need this removed from my credit report

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 2017-07-21
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I sent a letter to the cash store relinquishing their rights for automatic payments. On XX/XX/XXXX they withdrew funds from my account causing my chase account to overdraft. Chase credited my account and said they filed a claim. Then 2 days later they took the payment out of my account again and assessed me 3 overdraft fees. When I called, a claim had never been filed and they asked that I fax in the documents and they would recredit my account. When I did that, I continue to call and they say they have n't received the documents and my account still has the charge on it. They refuse to credit my money back until the documents have been received. According to the eft act I have total rights to relinquish their right to auto withdraw funds, the notice was given over 3 days before verbally and through a written and signed document but chase still refuses to credit my account and is giving me a run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Nelnet, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Validation Notice ( 15 U.S.Code 1692g ) XX/XX/2022 Re : ACCOUNT NUMBER : XXXX Dear, Great Lakes Educational Loan Services , Inc . 

I am a natural person and federally protected consumer pursuant to 15 U.S.Code 1692a ( 3 ). This is my written notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Mid-Michigan Collection Bureau
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have been contacted by this company Mid- Michigan numerous times trying to collect a debt that is not mine. I have explained to this company over and over again this is not my debt. I filled bankruptcy on XXXX XXXX in XX/XX/2014 and it has been discharged and I never visited this doctor every again because the doctor was no longer practicing there. This is fraud and unacceptable. I have also written to this company asking for deletion on my credit report and for validation but company will not respond. This is keeping me from being able to get a home of my own because of this reporting. I have attached my letter sent to this company with no response back. I am recovering from a XXXX and can not be under any XXXX  and this is causing much XXXX in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a response in regard to complaint ID # XXXX, thank you. However, I noticed it claims I currently have a balance. The account was closed, please refer to attached and forward. Thank you ... When will this nightmare finally end???

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 2022-01-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There is more than one issue : For over 2 years Ive been contacting Experian about a computer glich in their Experian Boost system that is through XXXX. Im not sure how it works but EVERY SINGLE DAY, at LEAST once a day, my bill-paying bank account from XXXX XXXX XXXXXXXX gets disconnected from the XXXX XXXX system so it doesnt see all the bills I pay on time every month. XXXX  has already removed my utility bill, my cell phone bill and my XXXX bill. This issue is frustrating. 
Also, my credit score just dropped XXXX points because, according to XXXX, all my credit card companies are not reporting my credit utilization. Only a few. Ive worked on my credit score for 7 years now. I understand how credit works better now but the XXXX point decrease seems highly unfair given I just graduated from Freedom Debt Relief with zero debt. Once you guys fixed the XXXX error, my score dropped by XXXX points. Why is this happening? 
And Why isnt anyone at XXXX fixing the computer glich that keeps disconnecting my only bill paying account? 
And, Why arent the credit card companies reporting my current credit utilization?!!!!! 
I have no debt, I pay my bills every month on time yet my score went down by XXXX. Please fix what you can. This is so unfair. Ive been crying all day. What a waste paying back all these corporations and not saving for myself. Shame on me for trying to be a responsible citizen. XXXX POINTS!!!!

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 2021-10-03
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I AM REQUESTING ALL DOCUMENTATION FROM OPTION ONE. IN 2004 WE THOUGHT WE RECEIVED A MORTGAGE FROM XXXX XXXX XXXX XXXX. AFTER FURTHER INVESTIGATION THERE WHERE A NUMBER OF LOANS WHICH WERE TAKEN OUT ON THE PROPERTY XXXX XXXX XXXX XXXX, XXXX GA XXXX. THE ATTY WHO WAS INVOLVED UTILIZED OUR INFORMATION AND APPEARED TO BE IN CONNECTION WITH THE CURRENT HOME OWNER AT THAT TIME, IT APPEARS THEY WERE OBTAINING FRAUDULUENT LOANS TOGETHER/GHOST LOANS PER OUR INVESTIGATION. I PREVIOUSLY SUBMITTED A COMPLAINT REGARDING PROPERTY AT XXXX XXXX XXXX, XXXX GA XXXX. IT APPEARS AROUND THE TIME IN 2004 WE THOUGHT WE WERE RECEIVE A MORTGAGE FROM XXXX XXXX XXXX XXXX WE DID NOT ALTHOUGH THE PAYMENT COUPONS WERE SENT. THERE WAS A LOAN TAKEN OUT ON XXXX XXXX XXXX BY XXXX XXXX  AT THE SAME TIME WE THOUGHT WE WERE APPLYING FOR A MORTGAGE WITH XXXX XXXX XXXX XXXX. MY SPOUSE FILED ALL FRADULUENT ACTIVITY IN THE US BRC OF XXXX  GEORGIA IN ORDER TO OBTAIN AN INVESTIGATION FROM THE TRUSTEE. THE JUDGE DID NOT APPROVE IT. MY SPOUSE 'S BRC CASE IS STILL OPEN IN THE COURT XXXX ATTORNEY IS ALLEGELY SERVING 15 YEARS, XXXX XXXX. MY SPOUSE FILED A LAWSUIT IN THE BRC AND OF COURSE IT WAS DISMISSED. WE WERE PART OF A PONZI SCHEME. WE WERE VICTIMS. THERE IS A LEGAL COUNSEL INVOLVED WHO WAS PAID A SIGNIFCANT AMOUNT OF XXXX, IT APPEARS HE IS STALLING AND WILL NOT RESPOND TO OUT CALLS. HE KNOW EXACTLY WHAT HAS TAKEN PLACE. WE HAVE NO CHOOSE BUT, TO EXPOSE EVERYONE AND ALL DOCUMENTATION WILL BE SENT. EVERYONE KNOWS NO MORTGAGE COMPANY WILL APPROVE 4 TO 5 LOANS IN A WEEK OR MONTH FOR A XXXX COUPLE! PLEASE!

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 2017-07-21
Company: Experian Information Solutions Inc.
State: MD
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:
I have mailed correspondence to Experian in XXXX and XXXX to dispute inaccurate information on my credit report without success. Experian has not responded to either correspondence and I attempted to submit a dispute via online but the site is so confusing to navigate. I have credit monitoring and Experian is still reporting inaccurate negative information and will not remove it. It is affecting my credit score.

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 2020-01-08
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We purchased ( {$110000.00} ) this property ( XX/XX/XXXX ) with XXXX XXXX ( LOAN # XXXX ) of XXXX IN ( XXXX ). Sometime after closing and moving in we started getting mail from a company named 'Ditech '. We called XXXX and they explained that our loan had been sold and we should just continue sending payments and they'll be sent to the proper company automatically. Then our auto payments stopped so we called ( XX/XX/XXXX ) and they walked us through setting up payment under the new " servicer ''. Then Ditech mistakenly, admittedly, took out SEVERAL payments ( XXXX-XX/XX/XXXX when you figure up the $ $ they cost us in fees to break even with the payments due ) at once instead of the once per month as agreed and explained to us. It drained our entire bank account and the children 's ' savings ' accounts. We were charged several overdraft and balance transfer and daily below XXXX  balance fees and the company would not speak to me ( XXXX XXXX, XX/XX/XXXX wife since XX/XX/XXXX ) because 'my name is not on the loan '. When my husband ( XXXX XXXX XXXX XXXX ) called they told him there was nothing we could do to get our money back so he said 'fine then no more payments until you tell me what is going on with my money '. And we shut off the auto pay. My husband has never received a Notice of Default from Ditech and we do not accept any calls from them as they are not our Original lender and we would not have agreed to be affiliated with such a shady company. I'd say we have plenty of evidence to show why we don't feel comfortable paying this company any longer.. https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : //XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Back on XX/XX/XXXX I canceled a money gram transfer. I was told that a refund will be available within 10 business days. I reached out to them several times to find out why the refund is not back on my account and all I'm getting is a run around. They refuse to refund my money. 
Please help! 
Money gram Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
WELLS FARGO XXXX By now I have attempted numerous times to bring to your attention that Wells Fargo IS in fact IN VIOLATION of the " short term mortgage assistance offer- SECTION B '' where it states that you Wells Fargo '' may NOT impact and report this account as ONGOING SERIES OF LATE PAYMENTS '' ... I have attached the agreement AND credit reports where you CLEARLY violated and keep violating this SECTION B - ALSO, you are reporting the past due balance on this account to the bureaus as {$62000.00} WHICH IS WRONG!! and the actual and accurate amount still due to you as of XXXX XXXX, 2017 is {$34000.00} .... ( see attached statement YOU- wells fargo ) sent me! You have violated section B of the contract and violated Fair Credit Reporting Act rules and regulations by reporting WRONG/INACCURATE/FALCE information to the Credit Bureaus and have been damaging my personal credit rating for 2 years now.

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