BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-15
Company: EQUIFAX, INC.
State: MI
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 filed a complaint thru the CFPB to XXXX Equifax more than 30 days ago and have not received the results. 
Your furnisher has placed in collection on my credit report that I have. Balance of {$270.00} from an XXXX account. I have sent both credit reporting agencies a letter from XXXX stating that I do not owe XXXX any money. I am including in this second complaint the letter from XXXX again. Under the Fair Credit Debit Act the credit reporting agency must report accurately or be fine {$1000.00}. If I owe another furnisher then you must report that furnisher name with the proper Code. 
Your furnisher XXXX XXXX XXXX has no Creditor Code as explain by XXXX in their letter. 
XXXX Equifax did you read the letter from XXXX stating that I do not have an account with XXXX and that their is no Creditor Code? 
XXXX Equifax it has been over 30 days and you have not corrected your error of the XXXX account why? 
XXXX/Equifax your reporting a XXXX account that is not mine why? 
Also do the credit reporting agencies bureaus have an obligation to investigate the furnisher that XXXX XXXX XXXX does not have a license to collect and operate in the state of Michigan? 
Do the credit reporting agencies know that XXXX XXXX XXXX lost their license for reporting false debt on seniors? 
XXXX/Equifax did you know the state of Michigan states all seniors must not answer XXXX XXXX XXXX because they are a Scam Debt Collection Agencies to just report them to legal agencies. I agree with the State of Michigan and will not answer them by law and report them. 
XXXX letter states for the credit reporting bureaus to remove XXXX name from my account it is wrongfully to use XXXX when the bank states I did not owe them any money right? 
XXXX/Equifax you are wrongfully using XXXX copyright name to collect a debt that was never owed to them you just want to give a no license debt collector in the state of Michigan free money right? 
XXXX/Equifax I did not have a debit with XXXX for any debit collector agency to collect so why are you reporting I owe XXXX? 
So if the real debt collector steps up then the senior would have to pay twice and take XXXX/Equifax to court for reimbursement right? 
The question I have sent again is for XXXX and Equifax to answer and not the furnisher? 
The State of Michigan state seniors do not have to answers to the Scams of no license XXXX XXXX XXXX in the state Michigan for seniors just report them to the State of Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Respectfully request controct with authentic signature that started this alleged debt. 

Moreover, request auction receipt when XXXX XXXX was sold at the auction. 

I am within my rights making this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for loss mitigation assistants with XXXX XXXX XXXX and was in the process of a short sale loan approval, when i was notified that the loan was being transferred to a new loan servicing company on XX/XX/2020 to Shell Point Mortgage Servicing, My loan was already in loss mitigation when shell point received it i was told by the representatives at XXXX XXXX that my file would just continue on with the new servicing company and all foreclosure action had cease and desist because of the short sale process, But Shell Point decided to ignore and disregard the California Home Owners Bill of Rights as well as the recently mandate decree by Governor XXXX for financial institutions to stop all foreclosures against California citizens, in light of the recent events of COVID-19 which has crippled just about every industry in this nation all real estate business has stopped, Shell Point has violated all laws and rules pertaining to my Loss Mitigation short sale process they need to REVERSE ALL FORECLOSURE ACTION IMMEDIATELY!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have been told that the Government has now initiated a new program for extending mortgages due to the Coronavirus situation. Supposedly the banks will extend mortgages for up to a year. We have a current mortgage with Wells Fargo Bank for one of our rental units. We would like to extend this mortgage for at least 90 days because we do not want to be caught in a bind. It looks like more and more states are not allowing eviction for non-payment of rents. If this were to happen to us we would not be able to pay the mortgage on this property. 

We have called Wells Fargo Bank on XX/XX/20, XX/XX/20 and XX/XX/20 and we were placed on hold for over 2 hours and the call just drops. This repeats no matter how many times we call.

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 2017-02-16
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Tried paying my entire loan off XXXX times. They reversed the transfer payment XXXX times and charged me late fees even though I had proof that it was they that reversed the transfer. In addition they cost me an extra {$20.00} in wiring fees which they did not refund. You will wait on hold for upwards of XXXX minutes only to be hung up on BEFORE you talk to a representative. When you do manage to get a representative they will transfer you around for another XXXX minutes. They have managed to squeeze an extra XXXX months of interest and fees out of me all the while threatening to ruin my XXXX credit score if i do n't pay, which I have twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again., XXXX XXXX XXXXBalance Owed : {$0.00} ; XXXX  XXXX  XXXX  XXXX Balance Owed XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXXXXXX 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 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 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 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 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 non-monetary relief
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I completed a mortgage refinance with XXXX Mortgage XXXX XX/XX/2021. We had originally closed on the refinance on XX/XX/2021, but immediately after the closing an error was found in the closing documents. XXXX Mortgage decided to redo the closing process and a corrected closing happened on XX/XX/2021. After closing, I received notice that my mortgage was sold to XXXX and a mortgage appeared in my personal XXXX account online. However, the information about the mortgage was incorrect and based on the errant closing. I contacted XXXX Mortgage within a few days and asked about this account. They stated that was not the correct mortgage and that it should be cleared up in a few days. I was told not to worry about it and that I should just pay the correct mortgage through the XXXX XXXX. Unfortunately, after that I had a medical issue that required major XXXX and I was unable to give my attention to the matter for several months while I recovered. Since recovery, I have contacted both XXXX and XXXX Mortgage to resolve the issue. Both companies state that I am not responsible for the account and that it was due to an error, although it took several attempts for XXXX to admit this. They both claim that they are working to resolve the issue. I have repeatedly disputed the account with all three credit bureaus, yet each dispute is " resolved '' as confirming the account as accurate. I have asked for documentation ( a letter ) from both XXXX and XXXX Mortgage that states that I am not responsible for the account and that it was opened in error, but have yet to receive any such documentation. This account continues to be a drag on my credit score/report and at this point is on the verge of foreclosure. We are in the process of trying to sell our current home and buy a new one, but my current credit score prevents me from getting any kind of pre-approval or to move forward with any offers on houses. I am unable to refinance other debts or take any steps to improve our credit situation until this is resolved.

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 2022-09-07
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
As of XX/XX/2022 I experience bad customer service at wells fargo on XXXX XXXX in XXXX tennessee. This was a busy day and they were short of staff. Well they had a line of people waiting for service and u had employee talking and running their mouth nit even helping customer. When they did get some help XXXX XXXX did nit provide genuine customer service. He insulted by intelligence and put my payroll check on a 4 day hold. This man did not even di his research and did not even look at previous transactions o. My account. He told me that I can go to check cashing place. I said what nerve He insulted intelligence and he did not care You see wells fargo had not changed. We are just a number and they will take your money and do care. Wells fargo is just putting a front for people of all XXXX just to take their money. We need to find another bank for which they care about the customer.

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 2022-04-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I completed a mortgage refinance with XXXX Mortgage XXXX XX/XX/2021. We had originally closed on the refinance on XX/XX/2021, but immediately after the closing an error was found in the closing documents. XXXX Mortgage decided to redo the closing process and a corrected closing happened on XX/XX/2021. After closing, I received notice that my mortgage was sold to XXXX and a mortgage appeared in my personal XXXX account online. However, the information about the mortgage was incorrect and based on the errant closing. I contacted XXXX Mortgage within a few days and asked about this account. They stated that was not the correct mortgage and that it should be cleared up in a few days. I was told not to worry about it and that I should just pay the correct mortgage through the XXXX XXXX. Unfortunately, after that I had a medical issue that required major XXXX and I was unable to give my attention to the matter for several months while I recovered. Since recovery, I have contacted both XXXX and XXXX Mortgage to resolve the issue. Both companies state that I am not responsible for the account and that it was due to an error, although it took several attempts for XXXX to admit this. They both claim that they are working to resolve the issue. I have repeatedly disputed the account with all three credit bureaus, yet each dispute is " resolved '' as confirming the account as accurate. I have asked for documentation ( a letter ) from both XXXX and XXXX Mortgage that states that I am not responsible for the account and that it was opened in error, but have yet to receive any such documentation. This account continues to be a drag on my credit score/report and at this point is on the verge of foreclosure. We are in the process of trying to sell our current home and buy a new one, but my current credit score prevents me from getting any kind of pre-approval or to move forward with any offers on houses. I am unable to refinance other debts or take any steps to improve our credit situation until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-09-07
Company: EQUIFAX, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a purchase money mortgage for a new home beginning in XXXX of XXXX online with Quicken Loans. I applied jointly with my husband. He is currently retired and is not receiving any pension. I am working and will receive a pension when I retire - projected to be XXXX XXXX, XXXX. We were preapproved in XXXX and signed a contract to purchase a house XXXX XXXX, XXXX. I was told we were approved for the application amount on XXXX XXXX. On XXXX XXXX I was told that Quicken would have to run a new credit bureau report with my husband as primary. This seems to be discrimination against a female applicant that is the primary source of repayment on the loan. I terminated my application with Quicken Loans because of their unfair and deceptive practices i.e. telling me we were approved and then requiring a new credit bureau report. Additionally running another credit report would have had an adverse effect on my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-29
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Southwest Collections is attempting to collect a debt that is not valid, the contract was violated by the vendor for services that were not rendered in full outlined in the contract. I discussed this with my Attorney and credit card company and showed them proof of what exact services were and were not rendered. I was advised to dispute the amount of what was not completed with the vendor and with no luck ended up disputing a portion of the entire amount paid with my cc company and won. This is when Southwest Collections decided to get involved and since then, they have violated numerous provisions of both the Fair Debt Collection Practices Act and the Texas Debt Collection Act in which my attorney has already notified them of. On XX/XX/2019 XXXX XXXX sent myself and my fiance ( who has nothing to do with this debt ) an email threatening that XXXXXXXX XXXXXXXX not fulfilling their contract and myself being awarded back fees paid for a service not rendered " could be construed as theft of services '' and said the client can look at other avenues which can " be done in a civil or criminal proceeding ''. On XX/XX/2019 I was emailed by XXXX XXXX then threatening further pursit against my D-U-N-S Number : XXXX, he then proceeded to send me copies of the not-signed agreements with XXXX XXXX which also show Southwest recovery everything XXXX XXXX was supposed to provide as a marketing service, in which they only rendered 1/3rd of the services. This was also a business contract with no personal guarantee stated anywhere within the contract, and yet this is on my personal credit report. I am attaching copies of the contracts and email communications with southwest recovery and my attorney as documentation.

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 2016-05-25
Company: DISCOVER BANK
State: MI
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 applied for a in school deferment a couple of months ago. I called to check the status of the difirment because it was time for a payment and I have automatic draft. The rep. Stated the difirment was on the account and all the information was in that was needed. She told me that she would cancel any future automatic drafts this was in XXXX. On XXXX XXXX another payment was taken out. That Friday I called and spoke with another rep who said she wold cancel the automatic draft and have someone call me back to refund my money and that someone from that department would call me Monday or Tuesday. Today by XXXX I did not receive any calls so I called once again because I was not able to make payments on another bill because this money had been taken out. The rep today explained the automatic payment was not canceled again and tha the difirment has not been accepted. I was very upset and needed to calm down and did not want to take it out on the rep on the phone. She gave me a number to call a supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-02
Company: DISCOVER BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Missing Funds. Funds that were requested to be transferred were lost by the receiving Bank, Discover Bank. 

I initiated an online transfer of funds from XXXX XXXX XXXX ( from the Discover Bank website ) to Discover Bank on XXXX XXXX, 2016. On XXXX XXXX, 2016, the Discover Bank online transfer details indicated that the complete date of this transfer was XXXX XXXX. Also on XXXX XXXX, XXXX XXXX XXXX records indicated that the requested amount was withdrawn by Discover Bank. On the weekend of XXXX XXXX or XXXX, I closed the XXXX XXXX Account believing the Discover Bank statement that they received the XXXX XXXX funds. On XXXX XXXX, Discover Bank Online History indicated a reverse ACH deposit from XXXX XXXX Bank. Also, on XXXX XXXX, XXXX a.m., I received an email from XXXX XXXX Bank stating that XXXX XXXX was unable to complete the transfer request from Discover Bank ( " Your withdrawal was n't processed Dear XXXX We were unable to complete the request from Discover Bank to withdraw money ''. ). 

According to a conference call among XXXX XXXX, Discover Bank and myself on XXXX XXXX, 2016, XXXX XXXX stated that they rejected the returned funds from Discover Bank and resent the funds to Discover Bank. ( Trace number is XXXX sent on XXXX XXXX Eastern Time, XXXX XXXX. ) Discover Bank can not find the funds and hence they have not deposited them in my bank account. 

The funds have not been shown to be in both XXXX XXXX XXXX and Discover Bank since XXXX XXXX, 2016. 

We are imploring this agency to push Discover Bank to retrieve our funds and deposit them since our numerous conference calls beginning on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to Discover Bank and XXXX XXXX Bank have not yielded any meaningful results.

Company response to consumer: Closed with monetary relief