BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently lost salary due to a business failure and requested to have a mortgage modification. I requested the modification on XX/XX/XXXX knowing that I would be starting a new job with a higher income in addition to working another part-time job. I submitted the request on XX/XX/XXXX with the offer letter as I had not yet received a pay stub from the new job since I would not be starting until XX/XX/XXXX. Carrington Mortgage then sends by snail mail and letter stating that my application was not complete. This letter was dated as XX/XX/XXXX, however, I did not receive the letter until XX/XX/XXXX and was told that I had until XX/XX/XXXX to upload the documents. Furthermore, the letter incorrectly stated that I had listed rental income on my application and needed to provide proof of income. This is absolutely incorrect. I have rental income but because of past denials due to asking for more and more information each time, I did not list this on the RMA application. I received my first pay stub on XX/XX/XXXX and promptly uploaded this to their website as well as sending an email stating as such. I also explained that it would be impossible for me to have two paystubs since I just started a job. If someone has a loss of income but then gets a better job, how are they then expected to show 30 days of income? This seems counter intuitive and does not help the mortgagee. I have since sent at least 6 emails asking for an update as I want all correspondence in writing. I received one call from a gentleman who I could not understand as he mumbled throughout the entire voicemail. I also received another phone call from a woman who stated she could not leave a detailed voicemail. As of XX/XX/XXXX, I have not received any updates and my online status is still listed as XX/XX/XXXX ( I have the screen shot to prove it ). This is providing unfair and wasted time to me. I have submitted complaints about this company in the past only to be addressed in an arrogant and rude manner as if I am a prisoner. I will also be filing a complaint with my state attorney general this time. Carrington Mortgage is not interested in helping anyone and I do believe they use discriminatory practices in how they assist with modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: SC
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:
I AM NOT A CREDIT REPAIR COMPANY AND NO ONE IS WRITING ON MY BEHALF. I XXXX XXXX, HAVE BEEN WRITING TO DISPUTE THESE ITEMS FOR A FEW MONTHS NOW AND I AM GETTING UPSET MY REQUEST IS BEING DENIED BECAUSE " IT SEEMS LIKE SOMEONE ELSE IS CHALLENGING THINGS ON MY BEHALF ''. PLEASE INVESTIGATE AND FIX THE ISSUES I AM REFERING TO.

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 2022-01-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX I submitted Complaint against XXXX XXXX who created XXXX XXXXXXXX XXXX XXXX and XXXX XXXX as Trustee for this Trust who acted as Plaintiff in foreclosure-for-profit case XXXX, XXXX XXXX XXXX. I demanded a copy of Release of Lien after sale of my property on XX/XX/XXXX ; and proof of payment {$130000.00} ( cancelled check of wire transfer receipt ) received by XXXX XXXX XXXX XXXX for XXXX Trust to distribute to alleged investors in XXXX XXXX Trust. 
On the same day, XX/XX/XXXX someone from XXXX XXXX and XXXX XXXX XXXX likely XXXX XXXX XXXX XXXX personnel ) responded that they are not the appropriate companies to address my issues. I dont know the name of responsible Agent at XXXX XXXX and XXXX XXXX who made this false inartfully worded statement. 
If the complaint does not " belong to them '' whatever that means then why do they filed a foreclosure case against me ; confiscated and sold my property XXXX XXXX even received Judicial Deed and issued a Deed to the new property buyer? 
Is this an admission that they were neither creditor, Trustee nor servicer? When based on which legal authority XXXX XXXX XXXX acted as the Plaintiff in my case, and XXXX XXXX represented them as Trustee if none of them are related to it? 
XXXX XXXX and XXXX XXXX employees and CFPB needs to explain what this means and why they accepted that response. 
Is this an administrative finding that XXXX XXXX and XXXX XXXX never had any right, title or interest in claims to administer, collect or enforce the note or debt? Why they filed case XXXX and stole my property? Who received {$130000.00} after sale? Why XXXX XXXX  issued Deed after sale but never issued any releases to me? 
I demand responses from XXXX XXXX and XXXX XXXX, copy of payment ( cancelled check, wire transfer receipt ) for {$130000.00} received by XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX and a Release of Lien after sale to my creditor and to me.

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 2017-08-23
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
PNC Bank changed the terms of my personal checking account. This notice was provided only via statement message on an account that is considered a virtual account and does not receive paper statements. Most activity, including reconciliations, on these types of accounts are performed in-app, and thus I did not receive proper notice, such as an App Notification or even a note to say, " Hey, by the way, there are new terms on the most recent statement. '' When I called to inquire about this service charge, I was told that PNC had done away with one of the ways they provided to avoid this charge. That particular method was to avoid visiting any of the branch tellers. All transactions had to be performed through the app, online banking website, or ATM machines, which I had done for many years. Unhappy with the outcome, I requested to close the account. I was informed that PNC could not close my account until my Life Insurance automatic withdraw was switched to another account. So, lacking any other options, I finished our conversation and proceeded to change the life insurance payment account. 

By the time the Life Insurance was switched, and I called PNC Bank to close the account for the second time, I was assessed another monthly fee which overdrew my account. This time PNC refuses to close the account because the account had been overdrawn by their $ XXXX monthly fee. I refuse to pay the fee on the grounds that I had previously requested to close the account because of it. 

At this point in time, PNC still refuses to close my account and is continuing to charge my account {$7.00} per day for being overdrawn. Fees assessed since my request to close the account currently total {$100.00}, as of X/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
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: Account information incorrect

Complaint:
Hello, Im writing this complaint regarding an inquiry I have displayed on my Transunion credit report since XXXX, XXXX 2019. The inquiry is listed as XXXX, XXXX, XXXX XXXX XXXX. I have contacted the company and was informed that they have no such record of me in there system. The company XXXX, XXXX, XXXX XXXX XXXX, has made me aware that this is an issues with TransUnion. I have contacted TransUnions dispute phone number and have been told they can not do anything unless I send in my deletion request letter. I have mailed my letter on XX/XX/2019 and have heard nothing and the inquiry is still listed. The company XXXX, XXXX, XXXX XXXX XXXX has no record of me in their system. I have no application or means of an account for the inquiry to even appear on my report. Im filing this report and listed inquiry as fraud. I have been asking TransUnion to remove this inquiry from my report. I also will be mailing another letter to the company once 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 2022-05-03
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to CORRECT immediately : 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 2018-03-06
Company: EQUIFAX, INC.
State: MD
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:
Equifax released my personal information due to a hack and my identity was stolten, with 1000s of dollars of fraud committed in my name. I filed a fraud alert, and froze every credit bureau account. 

Then, someone filed a change of address to my account ( which should not be able to occur at all due to freeze and fraud alert ) for an address that does not even exist. 

This company literally supports fraud by not actually investigating changes to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Trans union is only showing I have a 3 year credit history which is severely impacting my credit score! 
Im XXXX years old and I have over 30 years of credit history My Trans union credit score is XXXX My XXXX credit score is XXXX My XXXX credit score is XXXX My credit monitoring services show Trans Union Only showing my credit history as being 3 years old and another shows Trans Union only reporting my credit history as being 1 year 6 mos old I have talked to Trans Union about this and they refuse to change or report my credit history correctly.

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 2022-10-03
Company: DISCOVER BANK
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX my I saw my Discover Credit card has unauthorized {$10000.00} transaction. 
Immediately I called Discover Credit company and tell about unauthorized transaction. 
But Discover charge that unauthorized transaction And denied. 
I report the police but Discover need more proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: EQUIFAX, INC.
State: TX
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:
These tax liens are self-releasing and should have already been removed off of my credit report. Also, there are other tax liens with different dollar amounts that are incorrect o my credit reports. All liens have been paid and should have been removed in 2014. We have spend over {$15000.00} in trying to solve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: DISCOVER BANK
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 belongs to someone else

Complaint:
I AM A VICTIM OF AN IDENTITY THEFT, AND SOMEONE STOLE MY INFORMATION AND OPENED FRAUDULENT ACCOUNTS, THE CHARGES ARE FRAUDULENT AND NOT MINE. JUST BECAUSE THEY ARE BIG CORPORATIONS AND THEY CAN CONTROL PEOPLE BUT THEY SHOULD UNDERSTAND THAT I AM VICITM THESE CARDS AND THESE CHARGES ARE FRAUDULENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX, Minnesota debt collector, has filed a derogatory report at Experian for {$14000.00}. I have never heard of this company.

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 2021-03-01
Company: Ocwen Financial Corporation
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2022-10-03
Company: Block, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
this is what I was worried about this has happened to me countless times with these app that I'm supposedly supposed to put my trust in.!? never again! 
Cash App as well as XXXX XXXX app these two company 's have gone and helped their self to access my account and transfer money without any reason or a notification letting me know about it so I can have the opportunity to approve that the transfer was me or to deny the unauthorized transactions before the thief gets my money. leaving me to pick up the peices and go through loop holes just to come out on the other end more broke and in financial hardship. what's the straw that broke the camles back is I just got my brother to pay me back the {$100.00} he owed me so I was relieved to know I would be able to get diapers for my daughter and have gas to make it to and from work as well get some food to make it until payday. and just my luck that seems to be reoccurrin the second that I'm not looking at my phone I get a ring notification from Cash App all of a sudden money is taken from my account {$50.00} transfer to my XXXX XXXX  account that has been inactive for over a year I haven't used it maybe it's been 2 years now I'm not sure exactly I do know I did not make that transfer or authorize it. what hurts me the most you guys didn't even notify me to see if I was making the transaction at 12 at night like what normal citizen is doing Bank transfers that late. why wasn't I ask if I want to approve it? but instead you guys take the money and THEN I get a notification letting me know that {$50.00} was transfered I wasn't asked!!! nor aware that if I got money then you guys take it without hesitation or consideration of how it affects me as you customer with very little income especially being a single mom in this pandemic. I have had money taken multiple times and nothing get resolved. I'm not going to just be quiet about this anymore I need this to be resolved my money returned and it's be figured out to where you guys actually can say with dignity our money is safe and secure. also when this does come up and people 's lives no customer support agent is available until business hours but all the crooks steal at night time when everybody 's vulnerable so the second I do get a notification there's nobody I can call to get alerted on that to stop it from happening got to wait until the transactions already processed and complete and it's normal business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
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: Account information incorrect

Complaint:
I recently settled the amount that XXXX XXXX XXXX accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XXXXXX/XX/XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XX/XX/XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XX/XX/XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XXXX statement showed an annual fee of {$50.00}. By XX/XX/XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed untilXX/XX/XXXX when a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor inXX/XX/XXXXto work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XXXX. 

I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance. 

As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XX/XX/XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.

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 2017-08-24
Company: Experian Information Solutions Inc.
State: WV
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:
Paid my state tax bill and it shows as a lien on my and my husbands credit report. 

XXXX XXXX XXXX XXXX Paid XXXX XXXX 2016 Lien # XXXX Acct # XXXX Amount paid in full 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