BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-02
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company do have Surety Bond with Texas Debt Collection Practices Act, Sec 392.102

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
We had paid the account over a year ago with a cashier 's check and had not received any bills so assumed the account was closed. XXXX XXXX from Evergreen Professional Recoveries contacted me at my work. I explained the situation and she was very aggressive. She said if I did not pay the bill with a credit card over the phone she would immediately report to the credit bureau. She proceeded to yell at me and be abusive accusing me of lying. I immediately called the company which we owed the bill to and will be paying them directly. It was completely unacceptable behavior.

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 2017-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Other than when I initially got my Cabellas Card issued from XXXX approximately 2 years ago I have not used the card. However I recently checked my statement and found a fraudulent charge in XX/XX/XXXX. This charge was to XXXX, which I 'm not a member of and in XXXX, where I have n't been in over XXXX decades. Upon discovering the charge I immediately disputed the charge with XXXX Upon dispute XXXX closed the account and then opened an additional account, transferred the fraudulent charge with late fees then immediately closed the new account with a delinquent balance of {$10.00}. These actions of XXXX has directly negatively impacted my credit score by XXXX points. Their response has been " you need to contact the credit bureaus to get it corrected. '' Their actions have been malicious and predatory toward a person who has no other derogatory remarks on their credit history. This is over a charge of less than {$10.00} that was made fraudulently and since it was an international transaction should have been picked up by their fraud department easily.

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 2016-10-11
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/16 I returned signed and notarized loan modification documents in pre-paid XXXX envelope. I reached out to my home preservation specialist via email ( which is the best method of communication that I have ), on XXXX/XXXX/16 to confirm receipt. She advised me in her emailed response the the documents were not acceptable as the signature didnt match a previous signature. I reached out to her again via email requesting a detailed explanation as to what the problem was with my signature and requested a response in writing. To date, I have not received an explanation from Wells to ensure my understanding. Instead, I received a new loan modification package requesting that I call for an explanation. I did call, per my availability and left a message as it was outside of their business hours. I received a returned call from my specialists advising that I should call her as she was unable to reply to my email. These secured emails were initiated from Wells so one would reasonably assume that if there was a problem then a simple resolution would be to start a new email chain. I have made it clear to Wells that it puts my job in jeapordy to have phone calls with them during my work day and while it seems like a viable alternative that I call on my lunch or break - that is not an option for me. I returned the new package and used a signature that included the complete spelling of my name as opposed to my first initial and last name which is the sinature I use for everything.

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 2022-07-25
Company: Experian Information Solutions 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-06-18
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. 
Company Inquiries : XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-01-20
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: DISCOVER BANK
State: OK
Product: Credit card
Issue: Transaction issue

Complaint:
Discover Card will not issue the proper credit for merchandise that was returned to a vendor. The vendor was selling the product as " new '' but it was not. They say that the time period has lapsed when in fact I was waiting on Discover and the vendor for a response. Have all correspondence and proof of delivery receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 
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 2019-12-24
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
seeing unauthorized inquiries on my Experian credit report. I made an attempt with Experian to remove these unauthorized inquiries, but they did not. I have also called the companies directly and the refuse to give me any information. 

here are the unauthorized inquiries. 

XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX  XXXX  XX/XX/2019 XXXX  / national credit card cos. 

XX/XX/2019 XXXX XXXX XX/XX/2019 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 2019-12-24
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
seeing unauthorized inquiries on my XXXX  credit report. I made an attempt with XXXX  to remove these unauthorized inquiries, but they did not. I have also called the companies directly and the refuse to give me any information. 

here are the unauthorized inquiries. 

XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX  XX/XX/2019 XXXX  / XXXX XXXX XXXX XXXX. 

XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions 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:
They broke the law as per fdcpa is intended to secure my right to privacy i did not give them written consent to report on my behalf.

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 2020-06-18
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
A charge for {$1600.00} appeared on my Barclay credit card. I contacted the company and they issued me a new card. Months later they put the charge back on the card claiming it was real even though I have not been to the doctor in Maryland and all my medical providers bill insurance. I have NOT received any product. I clearly, multiple times, told Barclays that I don't just give away {$1600.00} with nothing in return, that it is not okay for Barclay to force me to give {$1600.00} away, and, as a result, I told Barclays to cancel my credit card. They refused to remove the {$1600.00} and they refused to close the credit card account.

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 2019-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I see unauthorized credit inquiries on my transunion report, I try to call the companies to find out why they pulled my credit and they refuse to give me any information. 
here are the unauthorized inquiries XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2015-05-12
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX and I am XXXX years old and have a mortgage that is in foreclosure going up for sale in XXXX 2015. I have had my mortgage for eight years and my principal balance is {$220000.00} and my home is only worth now estimate {$120000.00}. My mortgage payment is {$1700.00} per month and I have suffered a lost in income since that time. I have been trying to work with my lender Wells Fargo to reduce my mortgage payment to a monthly payment I can afford to avoid loosing my property. Since that time my husband has passed and the income I was receiving at the time I purchase my home has decreased. I have paid already {$190000.00} towards ownership and I still owe {$220000.00} on my property that is only worth {$120000.00}. I have tried working with the lender to avoid foreclosure and to faithfully start making mortgage payments again to avoid loosing my property and have not come to a resolution to saving my home. My loan is a conventional loan with PMI Mortgage Insurance. Please assist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been treated unfairly by RP Funding. I can not get anyone on the phone because when I call they are always busy. Most correspondence had been thru email, which I have every one saved. 

I have been trying to refi my mortgage with RP Funding for over 65 days. All I get is a run around with no clear direction. Most of my problems center on XXXX XXXX. It is the following problems that will now delay my closing by possibly another month : First, I got a better interest rate with XXXX XXXX. I sent him the quote and asked him to meet it ( their policy ). He goes on to say there program ( RP Funding ) is better and I would be a fool to use them ( but he would do what I want ). So, I stayed with RP Funding. 

Second, the final documents they sent, which needed my signature, secretly added over {$7000.00} in VA funding fees, of which I'm exempt from since I have a VA XXXX. XXXX tells me those fees were always there. So I send him the originals which showed the exempt status. He didn't fix this error, let alone catch it. I had to contact XXXX XXXX who said he would get it addressed. I'm still not sure if it has been fixed because I haven't received those documents again to sign. 

Third, I received an email two weeks ago that requested a termite inspection, a water test and a survey. Confused, I tried repeatedly to contact XXXX, even leaving multiple voice messages. Eventually I get an email saying that I need to ignore those requests ... that everything is fine. But, again today I received a request for those documents again. I tried calling XXXX, no answer. I called the loan originator, too busy to talk. So, once again I'm left in the dark, not knowing what these documents are or how to get them. 

Regarding the survey, they charged me for one in the final documents, so why don't they have it. I have so many problems with RP funding and no one is contacting me or working diligently on my refi.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1500.00}, and XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$270000.00}.

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 2022-07-25
Company: Experian Information Solutions 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:
This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX  XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Reported 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 2016-08-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/16, I had a problem with my car stalling out on the highway. It was towed to XXXX of XXXX XXXX. The diagnosis was that both my left side and right side fuel pumps were malfunctioning. They were able to repair the left side, but found the right side pump to be on national back order. The car, upon leaving their shop, was operational, but when starting it, had a delay due to the right side fuel pump having to be doctored by them to function somewhat. I paid {$1200.00} for their labor and parts. On XXXX/XXXX/16, I decided to have a second opinion on it with a repair shop much closer to my home and took it to XXXX XXXX automotive of XXXX, Florida. When I brought it in, I specifically told them about my previous situation and that the right side fuel pump was on national back order ( by the way, I also had this information verified by a XXXX XXXX center in XXXX XXXX ). When you review the invoice for XXXX, it clearly affirms what I told them ... .that the fuel pump was on national back order. a couple of days later, I was called by them to inform me that they had found the fuel pump! Elated, I brought the car back to them and had them do the repair. Upon picking it up, however, I still noticed the original delay in starting the car. When I got home, I looked at the invoice more carefully and found that they had replaced the very same left side fuel pump that the original mechanic had already done! As such, duplicate work was done. I tried to work with XXXX and all I was told that was, basically, I would have to bring the car back in and pay more labor. I would like to point out that I did not dispute the entire amount of the invoice ( {$1000.00} ), but only for the duplicate part and some of the labor as I felt they were warranted to be paid something for their time and effort, so I disputed {$820.00}. I disputed this amount with my credit card through Wells Fargo. I turned in this dispute in XXXX of 2016 and it was not filed by them until XXXX/XXXX/2016. The repair outlet had 60 days to respond and, per the guidelines of Wells Fargo in disputes, I was to receive any response from this company ... .I did not. I had to request the answer from Wells Fargo last week and I got it three days ago via mail. My dispute was not accepted due to the fact that they felt that the repair center did work on the car ... .even though it was duplicate work already done by the first repair company. I do not understand how anyone could agree that duplicate work and getting the same part that was replaced before is acceptable. XXXX XXXX XXXX certainly did not order the right side fuel pump and simply replaced the same XXXX that had been replaced a few weeks earlier. the owner of the XXXX XXXX did want me to bring the car back in, but pay for even more labor to rectify their mistake.

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