BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Became XXXX and could not pay a 8.5 % int mortgage payment. I wanted help to lower payment for remainder of loan which is 5 years. My home is appraised at {$90000.00} and I owe {$30000.00} so I definitely do not want to lose my home. I do not live in my home, it is rented for {$600.00} a month and my payment is {$760.00}. My loan preservation specialist, XXXX XXXX XXXX, who is my contact regarding my loan modification application, is not taking my calls. Since XXXX XXXX to XXXX XXXX I left at least XXXX voicemails, left messages with his co- workers XXXX and XXXX XXXX, and sent XXXX emails. I have yet to receive a call back. On XXXX I received XXXX denial letters ( after 35 days of waiting ) XXXX states HAMP tier 1 denied because I do not live in home ( applied for help for rental ) tier XXXX denied due to not meeting program guidelines ( don t know what guideline is. ). The XXXX denial letter stated they denied due to home being vacant ( home has never been vacant ). Don t know what to do other than appeal. It also states Americas servicing Co ( Wells Fargo ) is Only servicing the note and XXXX is the investor. Very confusing especially when I can not get anyone to communicate with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have repeated asked NelNet to provide ALL information regarding my loan via mail from its inception in 2004 through today. I want to know all payments made, fees charged, interest charged, etc in chronological order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: DE
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:
My ex fianc open up accounts in my name without my knowledge. I been trying to dispute the accounts on my credit report for the last two years and they keep saying the accounts are verified, I put a freeze on at XXXX XXXX ( company that keep supplying the same info ) so I dont know how they are investigating the matter. My ex fianc also is willing to write and accept responsibility for what he did. XXXX, Equifax, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Integrated Recovery Services
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Continuous threatening calls at work numerous times a day although I informed him to stop calling my place of work. He uses profanity and attempts to reach other people within my workplace to share my personal business. He leaves voice mail messages and informed me that he has me on a 24 hr. reminder. He informed me that the debt consisted of 2 companies, but when forwarding the information to me, it only referred to 1 company for the full amount discussed. I have emailed him on XXXX occasions to dispute/ try and resolve the matter, he has not responded in writing to either one. However, he will call and speak very rudely to me and continue with threatening to seek wage garnishment and alert my coworkers. I hung up on him and he called me right back 10 times consecutively.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My accounts were closed abruptly and I was unable to access the funds in my account without any correspondence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Good morning, on XXXX XXXX, 2017, I made an international transfer in the amount of US {$21000.00}, from my savings account in the XXXX XXXX to my savings account of CHASE Bank, the International Transfer department of CHASE registered the amount of US {$20000.00}, lowering US {$25.00}, amount not authorized to deduct from the transfer, since they only have to charge a commission of US {$15.00} and after crediting the amount sent. This is an illegal practice of this Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
For three weeks in XXXX of 2013, I tendered payment for the amount which met the party claiming to be the beneficiary 's demand to pay off the mortgage account and release the lien against my property. The payment was tendered in the form and amount which met the demand with the assistance of XXXX XXXX and Escrow in XXXX Washington. XXXX failed to credit the tendered payment to the account and in XXXX of 2013, informed me that they were transferring the servicing to Select Portfolio Services , Inc. ( SPS ). I immediately informed SPS of the situation and they failed to investigate the tendered payment. I informed them multiple times of the failed credit of payment in addition to other title issues and they failed to respond to my questions ( they did respond with information unrelated to my questions in bulk ). 

SPS has also submitted false declarations in order to advance a non-judicial foreclosure. SPS is advancing a non-judicial foreclosure on a non-existent, predatory promisory note made in favor of a company that did not exist at the time the note was made, and non-existing deed of trust which was unlawful in form in the state of Washington.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Previously I sent a dispute to XXXX and TransUnion to remove two ( 2 ) inquiries made by XXXX XXXX DELAWARE. XXXX sent me a letter in response stating they have completed their investigation and made the decision to remove the hard inquiries from my TransUnion credit report and to allow up to 1 month for the change to reflect on the report, it's been almost 4 months and the inquiries still on the report. 

The inquiries are the followings : XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be attaching a copy of the letter sent from 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 non-monetary relief
Consumer complaint received 2017-09-26
Company: EQUIFAX, 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:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX/XXXX XXXX XXXX, account number XXXX 6. ) XXXX, account number XXXX ; 7. ) XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of  the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
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: Account information incorrect

Complaint:
IM INTERESTED IN DISPUTING ALL INVALID DATA THAT IS HINDERING MY FILE FROM BEING XXXX ACCURATE. PLEASE REVIEW AND DELETED ALL DATA SUBMITTED ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: DE
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 writing to express my deep concern over the failure of Equifax, XXXX, and XXXX, the three main credit bureaus, to validate and research the debts listed on my credit reports in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my diligent efforts, including sending validation letters and making phone calls, these credit bureaus have not provided the required verification within the prescribed timeframe. This disregard for legal mandates has left me questioning the accuracy of the information on my credit profile and eroded my trust in their compliance with consumer protection laws. I urge for a comprehensive investigation into this matter to ensure the credit bureaus ' adherence to these vital regulations. 
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 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: VA
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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I was talked in to refinancing my FHA loan, one year ago, by my mortgage lender XXXX XXXX from Quicken Loans. He promised I did not need any money down at closing and he was able to secure a large refund from my escrow. My loan number is XXXX. My loan amount was $ XXXX@4.25 % I learned close to the closing date that I would have to bring close to {$1200.00} to closing as opposed to the XXXX amount promised. I was also told that I was getting a large amount of money back from my escrow, so I closed XXXX/XXXX/XXXX and by a week later I was told that I would not receive any escrow back. I was also told on numerous phone conversations that my PM I would be automatically dropped on XXXX XXXX. Which it did not happen, so upon contacting Quicken Loans I spoke with XXXX a quicken Loans client relations at XXXX. She reviewed all of the email and documented phone conversations between XXXX XXXX and myself and she apologized and said that all the things he had promised were wrong and the PM I would be on my loan for another eleven years, costing me a mere {$13000.00}. And that there was nothing she could do to allow all of his promises to go in to affect because it would be against the law and if I would have never refinanced with them, the PMI would have automatically come off XX/XX/XXXX- but due to being talked into refinancing the PMI remains s, therefore XXXX XXXX from Quicken loans screwed me out of over XXXX dollars. XXXX XXXX sent me a card and a {$100.00} gift card as an apology for my experience that I had with Quicken and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: LEXISNEXIS
State: IL
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:
On or about XX/XX/XXXX I mailed a public records investigation request to LexisNexis. Approximately 37 days I called to request the status of the investigation, at that time I spoke with " XXXX '' ID # XXXX who said he would search for my letter and call me back later that afternoon which he did. He indicated that my request was still being investigated. At the time of that call, LexisNexis was in violation of the 30 day FTC rule. Yesterday I received a response dated XXXX XXXX, XXXX, indicating that LexisNexis " verified '' the public record. Strangely enough, my wife, myself, and another friend submitted letters at the same time. My wife who was party to the SAME public record as myself, according to LexisNexis the record was deleted ( See enclosed letter ). Another friend of ours also had the record deleted because LexisNexis could n't verify it within the FTC guidelines ( See enclosed letter ). My investigation was certainly not within stated guidelines. Additionally, in the letter sent to me from LexisNexis ( See enclosed letter ), the document shows NO BANKRUPTCY or any other public record. XXXX was unable to verify this record so I would very much like to have the method and who of this verification, or a letter to reflect what their records actually indicate which is no public record.. Please investigate this to resolution ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan moved on XXXX/XXXX/15 to SPS. Escrow analysis done. I received letter stating check was cut and sent under separate cover dated XXXX/XXXX/15. I called XXXX/XXXX/15 and asked where check was. They could not locate it and I asked them to replace it. They informed me it could take up to a month to get a new check and said everything was taken care of and the process was started. I received a phone call from them over the weekend, they left a message that I could not understand. I called back on XXXX/XXXX/15. They wanted me to wait to place the stop payment until the end of the week because the check was n't mailed until the XXXX. I told them I would not wait. The request for the stop payment should have been placed on the XXXX to start the research process. I received the check dated XXXX/XXXX/15 at my home on XXXX/XXXX/15 with a postmark on the envelope of XXXX/XXXX/15. When I called today they stated that the check dated XXXX/XXXX/15 was no longer valid and another check was over-nighted to me on XXXX/XXXX/15.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received notice from XXXX that SPS would be taking over out mortgage servicing and to not send a payment after XXXX XXXX ( next payment was due XXXX XXXX XXXX ). We had to wait for the new account to be established to send in the payment to SPS in XXXX 2016, after we received the paperwork on how to manage online account we attempted on XXXX XXXX to register the account ( unknown account number error ) then on XXXX XXXX ( due date ) we attempted again and the " Security code '' that was supposed to be emailed to our email address never arrived, not in spam folder either, attempted under two other email addresses none worked. The phone number we are required to call asked for account number, enter it and we get hung up on ( tried this 6 times on 4 different days ) ; finally requested the code in writing, no response. Now my mortgage payment is sent in 8 days late ( grace period in until XXXX ) by my bank XXXX on the XXXX of each month and cashed by SPS on the XXXX of each month ( XXXX & XXXX ) however, they call me starting on the XXXX and do n't stop until the XXXX for payment stating its late, today the XXXX they called my private cell phone number which I never gave them so how did they get my cell number? And why are they calling when the account is current? When I call the automated line, enter my account number it states my last payment was made XXXX XXXX and my next payment is due XXXX XXXX. I am XXXX and the back and forth to the phone is ridiculous, having access to the online account would be helpful and I have requested they communicate in writing. There is no need for endless phone calls when the bill is paid, I consider this harassment when there is no reason for the calls, really wish I had a choice about this company being involved in my business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am not liable for debts and credit inquiries that are reporting on my credit report. These following companies are not mine and do not belong to me. XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX on XX/XX/2023, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. These are accounts and inquires on my Credit Report that I am not liable for. Also on my Credit Report I am a cosigner with XXXX XXXX It is stated that I am responsible for Late Payments. I have requested the original contracts for all above accounts which I still was not provided with and XXXXXXXX XXXX  has not provided documents of late payments which I also requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an alert that the amount increased on a voluntary repossession that happened in     XXXX   and has already charged off and the car was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights.

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 2023-08-02
Company: EQUIFAX, INC.
State: MA
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 DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief