BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-29
Company: WELLS FARGO & COMPANY
State: AZ
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 co-signed for a loan in XXXX with WellsFargo for my ex-spouse for XXXX. 
WellsFargo provided more loans to her without verifying my consent or me as co-signer. XXXX, XXXX additional loan was granted to her with me as a co-signer ( Without my approval or cosign ) 1. WellsFargo as a BANK continued to use my credential to issue additional loans and DID NOT verify my signatures. 
2. WellsFargo NEVER asked me for my permission on these loans, BANKS should verify the person ( co-signers ) upon whose name they are providing the money. 
3. Most Likely it is a identity theft issue also when my ex-spouse applied for more loans with my signature forged. 

WELLS fargo now is after me on all loans that she took, wellsfargo says I was the co-signer on ALL, while I was not. I co-signed only XXXX loan. The borrower doesnt live with me from XXXX and the bank is sending me letters for payments. I am not responsible for any loan that I did not co-signed. 

I already sent documentation to wells fargo telling them to remove my name on the XXXX loans taken in XXXX. 

Attachements : Copy of XXXX promisory notes that wells fargo sent me. NOTE the signature differences.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We are filing a second complaint due to Pennymac not fully addressing the issue in response to complaint ID XXXX. Pennymac did not offer any resolution to servicing errors regarding our escrow account which resulted in our mortgage payment increasing our PITI payment by 39.96 %. In the response to the initial complaint they acknowledged the escrow account was not analyzed at the time of our modification, nor was it completed correctly in XX/XX/XXXX. 

We have continued to pursue the issue with them and received a modification offer that places us in a significantly worse financial position. We have appealed the decision and provide 2 alternate options. Both options would return us to a similar financial position to where we would be had the account been serviced correctly. 

I am including the following documents as part of this complaint for your reference. 
Appeal Letter dated XX/XX/XXXX 2nd Complaint Letter dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a Citi Checkings & Savings account with a {$500.00} promotion for meeting certain requirements. I met those requirements for the {$500.00} bonus and Citi closed both my accounts and did not pay the agreed upon bonus.

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 2020-06-12
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:
To Whom it may concern, On XX/XX/2020 I got a message from credit karma about my report being updated. However when i went to look at my score points dropped due to inaccurate information. They are saying I asked them to run my credit? I am unfamiliar with this company and never authorized them to do so. This is reporting on my transunion, XXXX and XXXX. All I know is I have no idea who these people are and didn't do anything with my credit today which is XX/XX/2020. Nothing was authorized by 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 2020-06-12
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:
I've been a victim due to the COVID-19. I've been given the opportunity from XXXX XXXX  to delay payments due to COVID-19. I'm disputing the Credit Reporting Agency not reporting the correct information on my credit. There are accounts from XXXX that is reporting 30-60day late. I've provided you with proof of agreement and the reporting is still inaccurate. This is a violation of Section 4021 Credit Protection DUring Covid-2019 Fair Credit Reporting Act that was amended and impose due to COVID -2019. According to the amends Act, The : Credit Reporting. Section 4021 ( Credit Protection During COVID-2019 ) amends the Fair Credit Reporting Act to impose new COVID-19 related reporting requirements on furnishers of information to consumer reporting agencies. Under Section 4021, if a furnisher ( for example, a financial institution that lends money to consumers ) makes an accommodation with respect to one or more payments on a credit obligation or consumer account, the furnisher should continue to report the account as current if the consumer fulfills the terms of the accommodation. However, for accounts that were already delinquent before the accommodation was made, then the furnisher is permitted to continue reporting the account as delinquent unless the consumer brings the account current. This new reporting requirement does not apply to consumer accounts that have been charged off. These furnisher responsibilities will apply to reporting on accommodations made to consumer accounts between XX/XX/2020 until 120 days after the end of the COVID-19 national emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX  are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX unauthorized inquiries, disputed but still reporting information that is verified on report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax sends emails that " disputes are ready to view '' and when logging into their website to access using given dispute #, nothing shows. It has been this way for awhile. 

Secondly, a dispute on a judgment that was wrongly placed on me, and a violation of the XXXX XXXX, which was deleted after investigation by both XXXX and XXXX, was NOT removed by Equifax, and no evidence of the validity of judgment was provided. I am uncertain if they ACTUALLY fulfilled the investigation process with integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
EQUIFAX IS WRONGFULLY MISREPORTING INFORMATION ON MY CREDIT REPORT AND IS NOT TAKING ME SERIOUSLY. I AM A VICTIM OF FRAUD, AND THEY CLAIM THEY VERIFIED SOME DEROGATORY BEHAVIOR ON MY CREDIT REPORT, BUT HAS NOT YET SHOWN PROOF OF THEIR VERIFICATION PROCESS. I AM DISGUSTED THAT SOMETHING LIKE THIS IS ALLOWABLE IN THIS DAY IN AGE OR EVEN LEGAL. PLEASE LOOK INTO THIS MATTER AND INFORM THEM OF THEIR IMMORAL BUSINESS BEHAVIORS. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been disputed this account too many time, and nothing happened every time I call the credit bureau they say there is nothing they can do it about it, XXXX XXXX XXXX # XXXX account have been discharged through chapter XXXX XXXX # XXXX account have been discharged through chapter XXXX XXXX # XXXX account have been discharged through chapter XXXX XXXX XXXX XXXX NA # XXXX this account do n't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been locked out of my mortgage account on line. I no longer receive paper statements. When I log on I am directed to a homeowner 's assistance page that will not allow me to have access to my account. I am current on my loan. I have called several times to resolve the matter. Each time I am assured that the matter is resolved and then I wait a couple of days and I am still locked out of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX, XXXX  and Experian are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX  and XXXX  are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.

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 2020-06-12
Company: Financial Data Systems
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I monitor my credit report through XXXX, XXXX, and XXXX. I received an alert from all 3 credit reporting bureaus that there was a collection account added to my report. The company 's name is Financial Data Systems showing an account # of XXXX stating that the debt came from XXXX XXXX XXXX. I have never heard of the company Financial Data Systems. I am unaware of this company, the amount, the debt and it's origin therefore, this debt is not validated by me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), the alleged debt has to be validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my PRIVACY and medical records from third parties. I do no recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. My complaint is two-fold : Validation of debt and HIPAA authorization. 

I demand that Financial Data Systems provide a copy of my signature with the provider of service to release information to them. I demand that Financial Data Systems DELETE credit reporting from XXXX, XXXX, and XXXX  until this debt is validated by me. 

Any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. Please delete this collection account from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a personal Loan of {$500.00} with XXXX XXXX XXXX. It have been paidand closed since XXXX/XXXX/2015 and it is still being showed on my Transunion rreport till this day. Have provided receipts to them showing it has beenpaid but ca n't get it updated for some reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I paid a {$45.00} using Paypal. I had 2 bank accounts on my paypal account. One of the account was set to primary. Paypal took money from the 2nd bank account which I had closed before. In the Paypal user documentation it clearly says that the funds will be drawn from the primary or default account. I manually paid the {$45.00} which takes about 7 days. Meanwhile I see threatening messages on my account about referring my case to collections. 

I did not cause the problem and I don't want to be harassed by Paypal for something I have not control over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Through the dates of XX/XX/2018 – XX/XX/2018 Hurricane Florence damaged our home. We had renters in the property at the time but they evacuated. Our mortgage was being paid through them but when they had to leave due to the damages in the home we could afford our payment. The morning company we are with ( Freedom Mortgage) said they were going to put us on a Mortgage Forgiveness Program due to being military and a weather disaster but they never did. We ending up going through our insurance company being able to fix the home. Because myself and the mortgage company are on the loan the check from the insurance company had to be given to the mortgage company to sign. On XX/XX/2019 the mortgage company finally released payment for the construction company but not in the full amount. They released  $XXXX But that’s not the full amount. They will not release what is left (the beginning balance of check was XXXX.) we gave them every single document that was needed but once again they still won’t release check. Also they still won’t put us on a forgiveness program.

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 2022-04-15
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Before I opened a credit card with Lowe 's, I read some of their policy. I was a member of one of their top competitors so I check to see if they offered the same benefits of being a card member. I made a purchase with them and later hated my purchase, the item was part of a set I had years before opening a credit card. When I tried to take advantage of my Lowe 's Advantage Card, I was denied making a return. I wrote to the Corporate Office but received no response. When I contacted them by phone, they seem confused by my request but after reading it online, confirmed the return policy. I was told to contact the store near me and speak to the manager but that didn't go well. I am not a fan of the bait and switch. I don't like for companies to offer incentives with their credit cards but don't respect that when you remind them of their policy. My suggestion would be to remove this off their website if it is not true. Please see message on their website : Most new, unused merchandise can be refunded or exchanged with proof of purchase within 90 days of the original purchase date, unless noted in ourReturn Policy Exceptions. If your purchase was made with a Lowes XXXX  Account ( XXXX  ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX  ) or XXXX XXXX XXXX XXXX XXXX ), you have 365 days from the date of purchase to return the product, unless noted in our Return Policy Exceptions. All returns are subject to system approvals.

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 monetary relief
Consumer complaint received 2019-12-16
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American express closed my credit card account. I found this out today logging online while the card shows it is valid tillXX/XX/XXXX. This card was booked in XX/XX/XXXX I have a XXXX   fico  and never had credit issues but AMEX for whatever reason gave me a student line and never bothered to increase it. While there is no denying that AMEX card is the least preferred in my wallet as I never know if I would get declined for my purchases, I am not happy that they terminated the card without an email or a call explaining why they are closing this account. I would need help to re-instate this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XX/XX/XXXX I lost my job and my wife left me, so I was unable to make all my payments on $ XXXX/week unemployment. XXXX XXXX, aka XXXX XXXX XXXX, aka XXXX XXXX, refused to accept a short-sale even though I had XXXX offers on my home at the appraised value. XXXX repeatedly and in my opinion intentionally delayed accepting a short-sale until the foreclosure sale date was too close to reverse. ( it was a mess and extremely painful and XXXX ) XXXX also had someone in the wings from Texas ready to purchase it at the foreclosure sale. The whole thing felt underhanded and fraudulent and I 've been the one penalized for the past five years. The house was foreclosed XXXX/XXXX/XXXX. XXXX XXXX continues to report the loan as open on XXXX and Equifax. I have contacted them multiple times in writing to report the account closed. It is STILL reporting as OPEN today when I pulled my credit report on XXXX/XXXX/XXXX. I was denied credit MULTIPLE times over the last several years due too much OPEN debt. I still can not qualify for a car loan or home mortgage. 
XXXX XXXX XXXX XXXX Bank have also reported XXXX loan as XXXX different accounts to the credit agencies. This has also happened to me by XXXX XXXX credit card. Attached are supporting documents and previous letters sent to XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
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:
To Whom it may concern, On XX/XX/2020 I got a message from XXXX XXXX about my report being updated. However when i went to look at my score points dropped due to inaccurate information. They are saying I asked them to run my credit? I am unfamiliar with this company and never authorized them to do so. This is reporting on my XXXX, equiafax and XXXX. All I know is I have no idea who these people are and didn't do anything with my credit today which is XX/XX/2020. Nothing was authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX popped up on my credit report a few years back owing $XXXX. Since I was and still am a current client of XXXX  I asked them how I could possibly owe a delinquent account and I'm paid current amount. I had moved, they didn't transfer the account  correctly. It was corrected. This account and amount that another creditor just randomly threw on my credit report.  It is not owed. It has never been owed.  It was a mistake on XXXX  part and XXXX  fixed it.

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 2020-05-28
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter dated XX/XX/2020 offering to refinance my mortgage with Chase Bank at a new interest rate of 3.625 %. The first page prominently states " No cost to you '', which is repeated three times on the first page. The second page states " {$0.00} closing costs '' and a detailed lists of sample closing costs with XXXX costs. 
I replied to the offer by applying, then received a phone call from a Chase mortage advisor. He asked me a few questions, then gave me some terms on a refinanced mortage with a higher monthly payment than what I am currently paying. After repeated questioning, he told me the mortage would include about {$2700.00} in closing costs. I told him about the letter, twice. He finally just admitted they meant " no closing costs up front ''. The letter does not say " closing costs folded into the principal '', it says " no closing costs ''. I then told him I was withdrawing my application and hung up.

Company response to consumer: Closed with explanation