BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-14
Company: WELLS FARGO & COMPANY
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Afte r Wells Fargo den ied my loan, I sent the company the below letter and received no response I am responding to your  XXXX   XXXX , and  XXXX ,   XXXX  , letter informing   me my co-signer load was denied. Please provide answers to the below questions : 1. How Wells determine whose loan will be approved 2. Specifics, why my load was denied. Please do not indicate generalities.
3. Minimum credit score required to receive a loan 4. My point score 5. Ple  ase provide evidence which states specific creditors reported I had pass and current delinquencies.     I am requesting that you email me specific, detail reasons, why my co-signer loan was denied. According to pass phone conversations wit  h Wells load specialist, I had pass and current delinquencies.
If you are unable to provide specifics, one can conclude Wells makes subjective, arbitrary, and capricious loan decisions. Your letter states that my credit report indicated I had delinquencies.
I will litigate this matter and file a formal complaint based upon racial di  scrimination, and will argue that  XXXX  who have lower credit scores than  XXXX  and no relationship wit  h Well Fargo are afforded student loans.
Taking into consideration my current banking relationship with Wells, I am extremely disappointed Wells denied my loan. I have my IRA account with Wells, along with  XXXX  other savings and checking accounts.
Finally, according to my credit report that Wells Fargo provided, my credit score is    XXXX . My credit report indicated that I have no credit card debt, I had  XXXX  delinquencies, which were paid in full. I look forward to expeditiously hearing from you.   Sincerely,  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 2017-06-11
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions Inc.
State: IL
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:
In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed several creditors that I was not familiar that all date back to XX/XX/XXXX per my credit reports. I reached out to XXXX and Experian in regards to the following accounts : XXXX  XXXX XXXX XXXX I requested to have these debt validated citing FCRA and FDCPA as a reference in XXXX. Per USPS tracking # XXXX and # XXXX these were both delivered on XX/XX/XXXX. Specifically, I requested they validate the information and provide with copies of any documentation associated with this account, bearing my signature. This exact language was used. To date, I have received updated credit reports showing the accounts in question have been " updated, '' but I have not received the requested proof of debt along with any documentation bearing my signature.

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 2022-09-12
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The company allowed three fraudulent charges to remain in the card. The hotel charges was fraudulent charges after leave the property. The manager checked me out with no balance remaining. Because of my personal situation the charge is part of a for hire scam ..people paid to get paid to charge account. The charges was never agreed to or signed for. The other charges was for XXXX XXXX that was for another residence. My rent was paid of to XXXX. Even though I left in XXXX. 

Then after that the bank reduced my credit limit even though no payment was missed and my income increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Lending Club Corp
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have had a loan with Lending Club for almost 2 years. A year ago, our income dropped substantially and paying Lending Club on time each month became difficult. I called  them ( a s I called all our bill compa nies ) and  attempted to see if we could do a modification. My husband and I were trying to avoid bankruptcy, and they were not willing to help at all. We were told we would have to qualify for the new loan, which obviously we would not with our income drop. We were told to keep making our payment as is. I explained then, that we would try to make it each month, but it would most likely be late.   When we moved, it was from the  XXXX  coast to  XXXX . I updated my phone number and address with them. My family and I have been living with our family here and are " homeless '' so we have a  XXXX   XXXX   , an d every time I call I have to explain that to them when they ask me for my personal address. We do n't hav e one .. .   My actual complaint ( aside from them just being a horrible and heartless company ) is their collections practices. They are in EXTREME violation of the Fair Debt Collection Practices Act ( FDCPA ). Their attempt to call me when my loan is past due starts at  XXXX . They will continue to call all day, every hour on the hou r 3-5 times e ach day. That is harassment, plain and simple.   This morning (  XXXX / XXXX / 17  ) when I called to make my payment ( as I do EVERY month ) I notified the gentleman on the phone of the harassment and that I would appreciate him to note that it is against the law to call me before  XXXX . He stumbled over his words and said he would just flag my account cease and desist, as if that would prevent any calls from coming to me. This would be fine if it actually worked. Not eve n 10 minut es after this conversation I received ANOTHER collection call.   I would also like to note, in the past I have blocked the Lending Club number. However, the company must change it every few months as the early morning and frequent calls continue.   We are struggling to make ends meet, and understand the need to collect. However ; harassment is NOT OKAY. I have repeatedly updated my contact info, notified them of where I 'm living, and they continue to call me before  XXXX  ( as early as  XXXX  ) and the calls come in every ho ur 3-5 ti mes a day. They change their number, so blocking them has done  nothing. Complaining to them has done nothing, as they continued to call, and even flagging my account Cease and Desist did nothing as I received a call within 10 minutes of getting off the phone with them. I t 's unacceptable and I know I can not be the only person who is being harassed by Lending Club.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I need assistance with my Mortgage Lender due to COVID-19. The loan servicing company Select Portfolio Servicing has told me that my Lender is only offering forbearance for 3 months with the 3 month lump sum due in full at the end of 90 days. It appears that the primary note holder is XXXX  XXXX XXXX. My original loan was with XXXX  XXXX which transferred to XXXX when XXXX failed in XX/XX/XXXX. The current note holder reads as follows : XXXX XXXX XXXXXXXX, successor trustee to XXXX XXXXXXXX XXXX, XXXX  successor in interest to XXXX XXXX XXXX XXXX, as trustee on behalf of the XXXX XXXX XXXX XXXX, XXXX XXXX is the owner of the account. 
Since XXXX XXXXXXXX XXXX was purchased by XXXX XXXXXXXX XXXX in XXXX, XXXX XXXXXXXX XXXX appears to be in 1st position. 
It is my understanding that XXXX XXXXXXXX XXXX is helping homeowners during this COVID-19 pandemic by offering deferrals and adding the missed payments to the end of the loan. 
Why are they not offering the same to me? 
Not sure how many banks got bail outs on my loan after the XXXX crash, but it seems like a few did. It is time the banks do the right thing. I need help now, 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 2017-06-14
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I became aware in  XXXX   XXXX  that this company was reporting on all the credit bureaus a collection in the amount of {$200.00}. Upon inquiry, I was told that the debt related to " unreturned cable equipment '' several years earlier.     I contacted  XXXX   XXXX   XXXX  - the provider in  XXXX  and they were unable to provide any documentation for the alleged debt. They agreed to remove it. When they did not, I filed complaints with the individual credit bureaus and   XXXX   and  XXXX  removed the items. However,  XXXX  did not ( see attached ).     In addition to collecting for a debt that is not owed, this is clea rly ( see attached ) a duplication of another phony debt attempting to be collected by another low-life collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 submitted a compliant with the CFPB 60 days ago regarding an account that appeared on my credit report that listed an amount that I did not owe. ( XXXX XXXX ) According to CFPB XXXX XXXX submitted a dispute to the credit bureaus ; XXXX, XXXX and Transunion but I never heard any of you. I want my credit report updated and this account removed.

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 2020-04-22
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:
I downloaded XXXX XXXX  yesterday for the first time and I noticed I had several accounts that didn't belong to me. So I decided to pull my report and noticed several accounts that are not mine.

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 2021-11-18
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Please remove the following accounts below : ( XXXX XXXX XXXXXXXX, 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 2017-06-14
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a total of  XXXX  inquiries on all  XXXX  credit bureaus from various banks on.    XXXX / XXXX /   2016  I have contacted them and the credit bureaus, and nothing is being done.     I have not applied for credit with them. need to be removed from my credit report with  XXXX ,  XXXX  and  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 2017-06-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
nothing they said they only report to th e one re porting place, I need   XXXX   XXXX   to show on all my accounts, it does on  one bu t not all the others, please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: O&L LAW GROUP, P.L.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a judgment from XXXX that was settle for the amount of {$1200.00} and was paid by XXXX XXXX XXXX on X/X/2003. My employer was recently served a writ of garnishment from XXXX XXXX XXXX, on behalf of XXXX XXXX, who is supposedly collecting the debt for XXXX. The total amount they say that I now owe is {$5400.00}. I was never served as notification of this suit. Furthermore, on all documents provided to my employer, they included a case number where the first number was eliminated. I was able to find this out by finding the original filing which I never new existed. As a result, my company 's lawyer has recommended that they start garnishment proceedings. This is a bogus and unlawful debt which I am now trying to fight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Requested a  Loan Modification i n  XXXX   XXXX  to whence, after this request was consistently told from one moment to the next, the modification was incomplete yet no one could tell me what exactly or explain precisely what was needed. This was drug out until  XXXX   XXXX . What started out as a debt of about {$2000.00} ended up being close to {$8000.00}!!! Now, as I got ready to make my payment today, I am not hit with an additional {$400.00} or fees on top of my mortgage. The lender took me through much grief, worry, sickness and inconvenience only to tell me in  XXXX  or  XXXX  that I was denied because I had a modification 2 years earlier which was also a scam as they suckered me into a balloon payment of over {$18000.00} at the end of my mortgage. I have a total packet of over  XXXX  pages of back and forth issues and constant submissions.

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 2017-06-14
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had an account with US Bank but was never told that they put ch ecks through 24 h r/day. I asked for this policy in writing but they do n't have it in writing and never did. I had a check go through at  XXXX   XXXX , which I did not know was possible. I have had a number of overdrafts and have now realized its because the check went through in the middle of the night and I wake up with an overdraft posted, when I had looked at my account the eve before and it was positive. Ive asked what the business hours are at my bank and I 'm told they are  XXXX  to  XXXX . I assumed that that 's when business is conducted and not the middle of the night. Now I realize that checks can go thro ugh 24/7. No one told me that and it is not in any of the bank brocheres they have given me. It is not printed anywhere. I checked with the banker. This is deceptive practice.

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 2020-06-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent multiple letters to this company regarding my credit. I need the following removed from my credit report : XXXX XXXX XXXX, and US DEPT OF EDXXXX XXXX XXXX I did not take out student loans while I was in college. This has been on my credit report for over 8 years. This is affecting my life and needs to be removed ASAP. This is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase refuses to deposit money to escrow to cover projected shortages which would allow the borrow 's payment to remain the same. Instead, Chase demands the payments go up with taxes and insurance stating RESPA requires 1/12 of taxes and insurance be collected each month even if the rule, if it exists, is satisfied by sufficient escrow funding. Chase refuses to provide the law or even cite the law. Chase refuses to accommodate the needs of borrowers who try to keep their payments the same in case of hard times such as now! Borrower is not asking to lower the payment but to keep it the same by depositing to escrow more than sufficient funds to cover the projected tax and insurance increases. Chase can not justify their action if the 1/12 rule is satisfied by an adequate escrow balance, refuses to accept escrow deposits, and demands payments be increased. Also, Chase applied escrow funds to principle without authority and refuses to apply those funds as directed and refuses to return the escrow funds applied to principle. Chase 's actions are unfair and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Transworld systems has called my mother number repeatedly and more than 2 times in one day. I have repeatedly said to not contact my mothers phone NOMORE. We are in the midst of a global pandemic that is affecting millions, and they call asking about money. not only is that rude but its against the law in this current situation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
there is a  XXXX   XXXX  with the  DOB   XXXX / XXXX /  XXXX   reported at my old address  XXXX   XXXX   XXXX   XXXX   XXXX  attached to my SS #. this is not me or any family member associated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I never heard back from the credit bureau

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