BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX is reporting inaccurate information on my credit report for all three credit bureaus Experian, XXXX  and XXXX. The company is reporting different dates and account information and balance to all three credit bureaus. I have been trying to get them to help me with this situation since XX/XX/2020 no one has gotten back to me and all they keep putting on letters they send is " information updated or valid. '' Every time I ask them for paper work they never respond. This is unprofessional and unacceptable. I also submitted a complaint with them 3 times already and they keep saying my name XXXX XXXX is not an authorized user to ask for info which makes XXXX sense because why are they reporting this now fraudualant account on my credit report? Three things are wrong here ... this car was my fathers who passed away, 2. this car I know my father had with GAP insurance so there is no way he still owed the money and 3. They are reporting inaccurate information for years. 

Ive given you guys ample time prior to filing this complaint. Im sure you can imagine what Im going through since the loss of my father. I am trying to move forward but can not due to this negative factor. This goes totally against the FCRA laws this is a violation. Attached you can see all the inaccuracies from my XXXX  XXXX subscription I get monthly prooving the difference. Update at once, Ive also reached out to a fcra lawyer since you guys have leaved me pretty much no choice.

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 2022-09-27
Company: ENCORE CAPITAL GROUP INC.
State: PA
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:
Creditor Name MIDLAND CREDIT MANAGEMEN Account No. 
XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Responsibility Individual Condition Derogatory Original Balance {$370.00} Balance {$370.00} Date Opened XX/XX/2022 Date Reported XX/XX/2022 Remarks Account information disputed by consumer, meets FCRA requirements fraud account need to be removed off credit report profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022. I began noticing charges to my debit card and changes to my online Wells Fargo account .I have been issues 4 debit cards and now Wells Fargo refuses to issue a new debit card and suspended my online service .My arm pin keeps getting changed and I can not stop the fraud charges.

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 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2021-08-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been impacted by COVID due to job loss, reduction in pay initially, and loss of my job as of XXXX of 2020. 

I entered into a forbearance in XXXX of 2020. On XX/XX/XXXX, my home sustained substantial damage and loss of all personal property during the reported ice storm in Texas. My personal property was damaged significantly by a total of XXXX bursted pipes. I did have insurance and began the claims process immediately. XXXX XXXX is the primary coverage and has favorably made payments to both myself and the mortgage company ( Carrington Mortgage ) to properly repair the home. 

Carrington mortgage has delayed and denied release of funds after all proper documentation has been provided in attempts to resolve unpaid payments that are under a forbearance. 

With each step towards completion, all XXXX and receipts have been submitted and Carringtons loss draft department claims the review will be executed within 5 business days. Each time the response is that they dont have proper documentation. 

Ive had to stay on the phone multiple days and hours to guide the intake representative through email correspondences that contained the necessary information they claimed did not exist. 

Ive been out of my home for more than 6 months, whereby all could have been completed months ago with funding provided timely. 

With each delay they claim theres a 5 day turnaround, then they add additional days because they didnt find the necessary that were and proof can be provided that was already sent via email correspondence. 

It is believed that the mortgage company is attempting to reserve funds to pay the mortgage bill versus repair the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Navient Solutions, LLC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I got a loan from XXXX XXXX XXXX in XXXX, PA for XXXX XXXX   almost 13 years ago from Sallie Mae. I wanted to go for the XXXX XXXX XXXX   but was told by this school that I had to complete a XXXX XXXX class first for 9 months so I completed the class with XXXX  and completed my XXXX  but when I asked the school to help me with getting a job they told me I had to have an email set up which I did not at that time so they then told me they couldn't help me get a job because of having no email address. I paid on my loans every month as ordered and could not pay it for a couple months it was lowered so I could pay on it but my Sallie Mae loan then got taken over by navient in XXXX and they harrassed me non stop with phone calls, calls to my brother in law 's family and people there not aloud by law to tell that information to except a spouse they then told me my only option was paying {$10000.00} at that time or go into forbearance and not for a while and then promised to lower payments well then the interst rated went crazy and I could no longer afford it. It's been almost 13 years and it finally closed this month but it's still on my credit report under XXXX   it's open now taken over by XXXX and under my XXXX  report it says closed but the date my loan opened says XXXX, I wasn't born until XXXX. Can you please help and also let me know if I'm able to claim taxes because they took my refunds the last 2 years. I'm a single mother of XXXX little girls and I currently live with my parents because I lost my fiancee and father of my children a year ago. I'm XXXX years old and have XXXX daughters ages XXXX & XXXX and need help with closing this loan and removing it from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
ftc violations all XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Hippa violations : Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX   XXXX  Original Creditor XXXX AT XXXX XXXX Status Open Opened Date rted XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$190.00} Remarks Medical civil violations Account Details Last Reported XX/XX/XXXX Collection Agency XXXX, XXXX Original Creditor XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$470.00} High Balance {$470.00} Remarks --

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 2020-04-17
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have attempted several times to have a judgement removed from my business credit profile. I have sent the signed stamped satisfaction lien to Experian business and they are falsely responding that they can not verify the information. then they require that nothing is disputable unless your PURCHASE a report from them. I subscribe to XXXX and XXXX XXXX XXXX and I receive my experian report yet they refuse to accept and have made me pay {$39.00} twice just to dispute my information. i feel that they deliberately report inaccurate information so that consumers like my small business is forced to purchase their reports. A consumer should always be able to verify and dispute inaccurate information.

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 2020-04-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There are dozens of transactions completed on my account performed in XXXX varying in amounts from XXXX cents to {$9.00}. I contacted Wells Fargo as soon as I noticed the fraudulent transactions I contacted Wells Fargo via email, and asked my sister to contact them via phone, giving her the necessary account information. However, neither solution worked to incite action on behalf of Wells Fargo to address the fraudulent transactions. The responded to my message in the secure message center of their website stating, " For your protection, the transaction was declined by our Fraud Detection department. They need to speak with you to verify transactions. To reach us toll-free from outside the United States, please visit wellsfargo.com/help/international-access-codes for the International Access Code list and calling instructions. '' As I explained to them in my first message I am in a remote village in XXXX with little access to calling, especially for international numbers. Despite this difficulty, I still spent great effort to find a phone and risked great financial expense to call the number on their website designated for XXXX. All three of the numbers are not available. 
This is gross negligence on the part of Wells Fargo in securing my finances, which I have had an account with them since XXXX. I was shocked when I checked my account to see these transactions dating back to XX/XX/XXXX with no notification on their part to dozens of suspicious transactions occurring in XXXX, when I have set no travel advisory for XXXX. As a large financial institution with several layers of software security I am flummoxed as to how my account information got into the hands of someone in XXXX, as I am quite vigilant in not clicking suspicious links and keeping my passwords and card numbers secure. I am also extremely disappointed that after reporting fraud, they took no action and fraudulent transactions are continuing to occur on my account and as I have no way to phone them from XXXX, it is impossible for me to stop these transactions from occurring. Not only that, but I have noticed that though Wells Fargo representatives have stated they can take no actions until their fraud department speaks with me over the phone, several of the fraudulent transaction have disappeared from the account summary, demonstrating that something very suspicious is going on. I don't want to imply that the fraudulent activity is perhaps aided by Wells Fargo employees, but I'm glad I took pictures of the accounts last night, for evidence that some of the transactions have just disappeared even as WF has said they can take no action.

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 2020-10-05
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: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX   XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Creditor Name XXXX XXXX XXXX Account No. 
XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Responsibility Individual Condition Derogatory Original Balance {$370.00} Balance {$370.00} Date Opened XX/XX/2022 Date Reported XX/XX/2022 Remarks Account information disputed by consumer, meets FCRA requirements fraud account need to be removed off credit report profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: MoneyLion Inc.
State: WY
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:
MoneyLion installment loan closed XX/XX/XXXX. XX/XX/XXXX I had disputed the account on my XXXX  credit report because They had incorrectly reported the status as late or in collections for a couple months. A week later I got a message the dispute was complete and my credit report was updated. I looked only to find my score had dropped and the update to the moneylion account was even more incorrect. It now shows the account in charge off status from XX/XX/XXXX to present XX/XX/XXXX. The account was paid and closed in XX/XX/XXXX so the charge off status showing from then until now, all 18 months need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: West Coast Servicing, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I stopped making payments on the second loan, when I purchased the house back in XXXX I was sold an XX/XX/XXXX home loan, and told I was told I could refinance two years later. After XXXX the property values started plumming and both loans started adjusting as they were both fixed for two years and 28 variable if I am not mistaken, both loans adjusted to 11.50 % making my house payments over {$6000.00}, I made payments but around XX/XX/XXXX I no longer was able to keep up as my income was not the same. 
After the modification of the first loan I would go into the Bank at my local branch and make my payment, I asked about the second loan but the teller told me that nothing was coming up under the loan number. I figured the loan was forgiven as I was told, ( no documentation was ever given to me ). 
My loan was transferred from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX the second disappear for about a year, and then out of nowhere it appeared again, I was never told of the transferred all I got was a monthly statement for maybe three months? and then it was transferred once again to a collection agency called XXXX XXXX, XXXX. I negotiated a payment plan with them, they offered me to settle the account for {$36000.00} but I did not have that kind of money. I started making {$300.00} payments a month I was told they would be reporting my payments to the credit bureau but they lied to me, they never did, I do not know where the {$300.00} a month that I paid for a year went to, I was given no paperwork to sign nothing so I stopped the balance did not go down at all. 
Then at the end of XXXX XXXX XXXX sent us a Notice of Default, I believe they filed a lien on the house as I do not think there was one for the second loan. Then the sale date arrived. 
I begged for a modification, instead, I received a forbearance where they added all the interest since XXXX and late fees from XXXX they asked for $ XXXX down and payments of {$870.00} I can not afford that type of payment and I have a sale date on XX/XX/XXXX In XXXX XXXX finally finalized a loan modification it took about a year at that time the Bank told me that the second would be forgiven as the property value fell to 60 % to what I purchased the house West Coast mail out the forbearance plan, not a modification as we asked on XX/XX/XXXX which we got on the XXXX and they gave us until Monday morning the XXXX of XXXX to give them the deposit of {$5000.00} and signed documents but I do not know what I was signing, all I know is that is not good. I still tried to make a payment for the deposit but they declined to take my payment because is past XX/XX/XXXX. I want to keep my house my fiance has a College student that is doing College from home. Please, please do not sell my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being contacted by a new Collection Company regard a Medical Debt that was not mine rather paid back in XXXX and XXXX. I reported the previous Collection to the CFPB, XXXX, XXXX, and XXXX. The previous Collection Companies deleted the debt from the XXXX and the original Creditor applied for payment from my insurance to clear the debt in XXXX. I am requesting the collection company remove the debt and no longer contact me or my family in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: NY
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'm lost, I don't know what to do. I am a victim of identity thef and I need help because my credit has really been affecte. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deepl affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Experian Information Solutions Inc.
State: TX
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 have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX XXXX XXXX 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 explanation