BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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:
On XXXX XXXX, 2020, PORTFOLIO RECOVERY A add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY A has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Recent refinance with existing bank Wells Fargo using the online website offer. Current rate 5.5 / approved for 3.5 rate. Filled out all documents told will get info in mail. Two weeks, nothing. I call my customer service rep, my application was cancelled due to lack of information. All required documents were provided, however a tax doc did not scan properly, I never got a call or email about this or I would have immediately resent necessary docs. Now process has to start all over again with new customer service rep # XXXX - I resend all, speak with her about the rate 3.5 that was locked in until XX/XX/XXXX. Packet arrives few weeks later, rate listed on paper work is 3.75- I immediately call leave voice mail. No return call 3 days later leave another message, no return call - email situation. Finally get name of manager, leave voice mail, he also never calls me back. Now weeks have passed and the offer originally quoted & agreed of 3.5 has lapsed. 
Get name of XXXX manager and he agrees I should have gotten 3.5, he will contact underwriters to get paperwork out to me. Paperwork arrived same 3.75 rate. 
Now at this time we are into another month. Told best rate now is 3.6 - I verbally agree to 3.6 - paper work arrives XXXX/XXXX/16 same rate of 3.75. This process took so long that my rental property I am trying to sell in short sale, has started foreclosure proceedings. This is now on my credit report & getting another lender is almost impossible. The process from the start was bait and switch. The original quote of 3.5 should have been honored but was NOT & to my knowledge never was going to be honored, this was the hook, then the 2.5 % increase on final paperwork was the end CON.

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 2017-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and all XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/XXXX at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with 3 business days and will tell me about the outcome of the case. 
UPSC tracking # XXXX UPSC tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called XXXX. XXXX contacted me in XXXX XXXX. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with all XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Address of credit bureaus XXXX XXXX. XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX 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 non-monetary relief
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a XXXX account approximately 10 years ago. XXXX 's agreement with their finance company expired so they re-opened an account on XX/XX/2022 which impacted my average age of my credit cards which then impacted my credit score as the age went from 10+ years opened to 6+ months opened. I tried to resolve with XXXX but they said they couldn't update the original credit open date. I closed my accounts with them but it still negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have been sending multiple written requests but the accounts that are listed below are still showing on my Credit Report in violation of Federal Law. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i 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. 

1. XXXX XXXX XXXX Balance : {$1100.00} Date Open : XX/XX/XXXX 2XXXX XXXX Balance : {$880.00} Date Open : XX/XX/XXXX 3. XXXX  XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt to Wells Fargo is a checking account and credit card which is well past the 7 year period a person has to contact them. The company, as of recently, trying to collect the Wells Fargo debt for pennies on the dollar is : From address : XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Return address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I had already sat in a Wells Fargo branch, with a customer service specialist, and spoke over the phone with another customer service specialist regarding this debt collection stretching past the 7 year period which I have proof of from a 2006 credit card statement. 

According to " XXXX XXXX XXXX , XXXX '' they will take 50 % of the money owed and it will be paid off. From other people online who have fallen for similar debt collection agency tactics it does n't work. XXXX pulled that on people and they are now in a class action lawsuit. These are not fair debt collecting practices, especially regarding the recent climate of the jobs market 4 to 5 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Regarding the XXXX XXXX accounts below, these were originally sent to my credit reports incorrectly. Last year after working with them for several months, we finally got the bills straightened out. Attached are letters showing our settlement and then their letters confirming they received payoff and would be removing the accounts from my credit reports. 
Last month, I noticed they were re-assigned new account numbers and resubmitted to the credit bureaus. I believe this is illegal. I believe it 's also illegal to put these back on my credit reports without notifying me in writing at least 30 days in advance - which they did not do. I 've tried unsuccessfully to work with XXXX but they evidently have their records in a complete mess. 
Please have them re-remove these from my credit reports so that I do n't have to take this to court. 
I 'm also going to try attaching a copy of my XXXX 2015 credit report to prove I had clean credit before XXXX did this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is reporting a collection account on my credit reports. I have never had any account with XXXX XXXX XXXX. I never opened up any account XX/XX/2020 They are reporting fraudulent collection on my credit reports. XXXX lost their reporting privileges so they shouldnt be trying to collect any debts. They also never sent any collection notices, bills, or validation to me by mail nor email. I have no clue why they are reporting inaccurate information on my credit reports. This debt isnt mine and its illegal to report anything that hasnt been validated. I have XXXX for 10 years. Never had any XXXX XXXX XXXX accounts. No bills, contract, purchases, products with 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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1300.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2022-10-11
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX our vehicle was deemed a total loss. Credit acceptance was to provide the payoff amount so the loan could be paid in full. After they provided the payoff to XXXX, there was a remaining balance because of the cancelled automatic payment ; this was I unbeknownst to us. I received no notification that our payment wasnt processed until it was reported as late on my credit report. I called and spoke with them to understand what occurred. 

After speaking with them about the cancelled payment. XXXX XXXX informed us that they changed the company who was providing their payment processing while we had a pending payment in queue to be processed. This change in payment providers resulted in an automatic cancellation of our scheduled payment. 

These 2 occurrences were out of our control. We were not at fault for the accident or the late payment but, are being penalized for it. 

My credit score dropped to an unsatisfactory range and I am no longer eligible for a home 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 2015-08-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i filed a complaint 2 years ago. 
To : XXXXXXXXXXXX : RE : Y XXXX submission [ Case number : XXXX ] Date : Wed, XXXX XXXX 2013 XXXX XXXX, They ( wellsfargo and assurant ) dodged issues, by ignoring my requests and answering an answer that does not pretain to a quastion, also send in tons of irrelevant paperwork, just to drind CFPB down, it is part of their tactics. 
Now it became absolutely clear, what XXXX is doing is beyond writing a worthless check, whcih is withour a doubt criminal offense. I want you to reopen my case, review and compare forclosure procedure in XXXX court, XXXX civil law. Also i have reported him and XXXX XXXX ( XXXX CEO ) to the feds and FBI in XXXX result. 

Reason for refusal to pay is force placed insurance product. Also refusal to review odifications XXXX attempts already, currently the XXXX is in progress @ wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I had a gym membership with XXXX XXXX in XXXX, Texas on XXXX XXXX XXXX that began in XXXX of XXXX. In XX/XX/XXXX, the card I had on file was stolen and I notified the company of this issue. I then moved away from the area due to family matters and did not return to XXXX XXXX after this time. I was never notified by XXXX XXXX that I had a balance to pay or an amount I owed to the company. I was also never notified through the collections agency that they were attempting to collect a debt. I then received a credit notification that I had been taken to collections without my knowledge that a debt was attempting to be collected ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ever since I received a VA loan from Navy Federal Credit Union in XX/XX/2019, I have been receiving 2-3 letters per day to refinance into " very low rates. '' I called Navy Federal and asked them not to share my information, and I continue receiving letters. This credit union appears to be taking advantage of the " Navy '' brand and its members to peddle our loan data to low quality vendors. Please have them stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-23
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen does not approve me for a loan modification due to incorrect value that they have in their system, I have forwarded them a certified appraisal report about 1 month ago and they have still not changed my property value, they keep denying my modification saying that I have equity in the house and the NPV test has failed. I want you to intervene and have my property value changed to the certified appraisal value so that they can re review my application and approve me for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Duncan Solutions, lnc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The XXXX Government issued me a red light camera ticket XX/XX/2015. I disputed the {$150.00} ticket via a written letter in 30 days as required, and received a confirmation postcard that said I would be notified of their decision in six months or less. I never received a notice of their decision one way or another. A year later, I received a debt collection notice for {$360.00} from Professional Account Management, L.L.C. I believe the XXXX government acted in bad faith and did not notify me of their decision, so I should not have to pay the {$360.00} debt. It is clear that the XXXX government is only concerned about raising revenue and not due process. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
( 1 ) In XXXX 2016 I requested debt validation and verification from Ocwen in compliance with 15 USC 1692g to which they responded with photo copied information that did not comply FDCPA guidelines. After repeated requests for properly verified and validation documentation, Ocwen failed to respond in the within the given time periods. During my communications with Ocwen I informed them that I was invoking my private right of action and considered this matter closed as they failed to comply with my requests. As such, I also directing them to cease and desist all communications with me because I consider this matter closed. 
Ocwens response has been to completely ignore my request, they have shared my personal information with several entities which has resulted in debt collectors inappropriately calling my job, my cell phone, unsolicited emails and threats of foreclosure. 

( 2 ) My desire is that Ocwen cease with their threats and send Notice of Full Release and Satisfaction and documentation reflecting a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Started getting calls again for another person. I told them on XXXX XXXX that I do not know who he is do not call my number again. They said they would add my number to the do not call list. Again today I received a call from Ally bank looking for him. I had this same issue with them a few years back and they are starting up again.

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 2021-01-06
Company: Experian Information Solutions 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:
The bankrupt company Experian have continued to put fraudulent activity or information in our credit report and informing other companies of the fraudulent information which is heresay and fraud!

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 2022-10-11
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I believe Amex is not following the Fair Credit Billing Act in arbitering my dispute with XXXX, due to its commercial arrangement with the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-13
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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) days past due on the DPT ED/XXXX  accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation