BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
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: Was not notified of investigation status or results

Complaint:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 98 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 98 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along. 

I sent them the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Hello, To my astonishment and dismay, I noticed that your company is reporting information that just isnt true. It is also my concern that due to my VERY common name my profile is being merged with someone else profile in your system. In fact there are address on my credit report that I have NEVER even lived at. Therefore, I KNOW something has to be wrong and this must be a mistake. I dont claim to know everything but it is quiet weird that a multitude of accounts and a bankruptcy is on my report. Honestly, how does this even happen? 

If you check your record you will see that my address doesnt even match any of the alleged accounts. It is my request that you review the file you are saying is mine and take away the discrepancies. Below is just a few of the things in question. 


XXXX XXXX XXXX  XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/20 Status : Discharged Amount : {$0.00} Remove these Public Record from my credit file. I pulled this file using -Public Access to Court Electronic Records , and these DO NOT belong to me. It belongs to someone who have the similar name as I, wrong address because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match. 
The Fair Credit Reporting Act requires you to investigate and delete any and all inaccurate, incorrect, incomplete and/or invalid information. 

I know your bureau is one that prides itself on accurate and fair credit reporting and would never maliciously maintain false, unverifiable records. Please DELETE this information from my file immediately. 

Thank You in Advance an Educated Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 98 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 98 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along. 

I sent them the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Hello, To my astonishment and dismay, I noticed that your company is reporting information that just isnt true. It is also my concern that due to my VERY common name my profile is being merged with someone else profile in your system. In fact there are address on my credit report that I have NEVER even lived at. Therefore, I KNOW something has to be wrong and this must be a mistake. I dont claim to know everything but it is quiet weird that a multitude of accounts and a bankruptcy is on my report. Honestly, how does this even happen? 

If you check your record you will see that my address doesnt even match any of the alleged accounts. It is my request that you review the file you are saying is mine and take away the discrepancies. Below is just a few of the things in question. 


XXXX XXXX XXXX  XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/20 Status : Discharged Amount : {$0.00} Remove these Public Record from my credit file. I pulled this file using -Public Access to Court Electronic Records , and these DO NOT belong to me. It belongs to someone who have the similar name as I, wrong address because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match. 
The Fair Credit Reporting Act requires you to investigate and delete any and all inaccurate, incorrect, incomplete and/or invalid information. 

I know your bureau is one that prides itself on accurate and fair credit reporting and would never maliciously maintain false, unverifiable records. Please DELETE this information from my file immediately. 

Thank You in Advance an Educated Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2016-11-14
Company: Specialized Loan Servicing Holdings LLC
State: NM
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a modified second mortgage from XXXX in XX/XX/XXXX for a 15 year, {$15000.00} balloon originating in XX/XX/XXXX, but was not informed that the modified second mortgage was negatively amortized, raising the balloon payment to {$55000.00}. I learned of the toxic loan from a third party when trying to restructure loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 : I am writing to dispute a fraudulent charge on my account in the amount of {$8900.00}, {$23000.00}, {$11000.00}, {$0.00}, {$6900.00}, {$6400.00}, {$6100.00}, {$2200.00}, {$5700.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNT 10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my 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 explanation
Consumer complaint received 2021-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got my account wiped out while in the hospital. Contacted the merchant that was on my statement and they said that my card was stolen and to contact my bank. So I contacted my bank and its been a week and still no temporary return of my money or anything and I have none not sure if I mentioned that I lost almost 15k.

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 2016-02-10
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
my wife and I borrowed money from XXXX for a debt consolidation unaware that it was to be payed back in full in 10 years. after the 10 year period we where told our loan was sent to SLS Loan at XXXX this was XXXX after a year of sending in all documents required they would say information was late, needed to be resent again and again till we got my lawyer. Now with my lawyer we have tried to pay off debt since XXXX of XXXX only to be told info was late again or just not return our phone calls nor my lawyer. We would like to pay loan amount off and keep our house but they wont talk to us, we still have checks sent to SLS monthly for XXXX $ but they return them ... .we have been to SLS website and has noted we are not the only ones having this problem, and learned they are not favorable on XXXX website as well. PLEASE HELP US IN ANYWAY, PLEASE CALL SLS SO WE CAN MOVE ON, PAY OUR DEBT, AND KEEP OUR HOUSE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: PLAZA HOME MORTGAGE, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Home was purchased XXXX XXXX, 2015 at which time the subject of flood insurance was broached and we were informed that XXXX Form XXXX, determined XXXX/XXXX/15 at XXXX CDT by XXXX FloodCert # XXXX for life of loan was completed and no additional flood insurance was required. Later, lender notified us that flood insurance was required which made me then began to question how this was possible. No real answrrs were ever received from lender nor our current hazard insurance company. I could not under stand how at the closing no flood insurance was required for life of the loan then all of a sudden, it was. It was further confused by the lender assuming responsibility for first full payment of new flood insurance in the amount of {$480.00} when it was clearly paid for by us. The confusion did not end there because then we begin to received 2 monthly mortageg statements each with different amounts. I have finally had enough with this lender 's system of accounting and desire a direct end to it 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 2021-01-14
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
there was a fraudulent credit card open in my name in 2017. it was maxed out and is reporting as a collection on my credit 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 non-monetary relief
Consumer complaint received 2021-01-14
Company: CL Holdings LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I submitted an online on XX/XX/XXXX through XXXX XXXX, to dispute and remove information from the creditor Jeff Cap Sys ( XXXX XXXX XXXX ), as this particular creditor has violated my rights and has been renewing and re-shuffling the negative item which is more than 10 years old on my credit report. 

On XX/XX/XXXX I received a notification from XXXX XXXX, that the creditor denied my request to remove the item from my report and I saw that the creditor UPDATED the date on the report to reflect this YEAR! The report was showing a date of opening in XXXX before the dispute, and now after the dispute it shows a date of XXXX! I don't have XXXX XXXX as a carrier, I've had XXXX XXXX XXXX for many years and I've been given discounts and recognition for being a matured customer with the company. From the attached credit report that was retrieved in XXXX, anyone can see that they reported this account being closed and opened in XXXX ; however looking at the result from XXXX  XXXX  it now shows an open date of XXXX! I'm so FED up with these types of creditors and sneaky collections agencies. 

I've submitted disputes more than once and for over 7-years it has remained on my credit report. I've lost potential employment due to this negative item upon my report in the past and PRESENT. In this time that we are in it's not warranted. I also have NOT been a customer of the creditor for many years now ; in addition, the information and amounts have been inflated and are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My business partner and I opened a business bank account with Wells Fargo Bank XX/XX/2016 ( XX/XX/2016 ) and gave the Business Specialist all the business documentation he requested, including our DBA statement. XX/XX/XXXX I received a letter from Wells Fargo ( Risk Operations ) saying that the bank needed more 'business verification documents ' from us. I returned to the bank ( XX/XX/2016 ) and gave another Business Specialist our signed Partnership agreement and requested that if anything else was needed, to contact us. He said that he was sure that this doc would suffice and did n't know why the first Business Specialist lead us to believe that the Bank had all the necessary business documentation from us. On XX/XX/2016 I looked at our business account online and saw to my great shock that it was closed with absolutely no prior notification to us. I returned to the Bank on XX/XX/2016 and the spoke to the same Business Specialist I visited on XX/XX/2016. He said that 'perhaps our DBA had n't been scanned ' in in the first place. He appeared to be just speculating and he could n't talk to anyone who actually knew why our account had been closed. On XX/XX/2016 my general partner returned to the Bank where we opened the account. She spoke with the Business Specialist who actually opened our account. He said that our account is now 'open ' again but could n't tell us why it had been closed ( in error ). He also could n't tell us when we would receive the {$820.00} that was the balance in our account when it was closed. ( WF XXXX out the balance when they closed the account ). He said the check 'was in the mail ' and also it 'might be Fedexed to us ' but could n't give us a tracking number or any indication about when the check will actually be sent to us.

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 2017-10-13
Company: Ditech Financial LLC
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Upon examining the statements received each month from Ditech we noticed that the amount taken automatically from our account was more than the amount on the statements. We contacted Ditech and were told that it was authorized. We asked for the written and signed copies of said authorization and were told it would be mailed to us. On XX/XX/XXXX we called again, talked to XXXX XXXX who stated they can take more than the statement amount. We asked for the same documents as well as a pay off statement, loan origination documents, and a statement of all payments made to date. We received e-mailed documents of the insurance coverage and the amount paid to date. Today, XX/XX/XXXX we again called Ditech as they attempted to withdraw more than the statement amount twice ( Statement amount {$470.00} attempted to take {$580.00} ). XXXX took the call and stated that the extra amount was for insurance, which is listed as having already been paid. XXXX transferred us to Supervisor XXXX. Suddenly XXXX is stating that there is a fee for auto pay with is not listed anywhere on the statement nor on their website and that was the extra money withdrawn. 

Upon examining the statements received each month from Ditech we noticed that the amount taken automatically from our account was more than the amount on the statements. We contacted Ditech and were told that it was authorized. We asked for the written and signed copies of said authorization and were told it would be mailed to us. On XX/XX/XXXX we called again, talked to XXXX XXXX who stated they can take more than the statement amount. We asked for the same documents as well as a pay off statement, loan origination documents, and a statement of all payments made to date. We received e-mailed documents of the insurance coverage and the amount paid to date. Today, XX/XX/XXXX we again called Ditech as they attempted to withdraw more than the statement amount twice ( Statement amount {$470.00} attempted to take {$580.00} ). XXXX took the call and stated that the extra amount was for insurance, which is listed as having already been paid. XXXX transferred us to Supervisor XXXX. Suddenly XXXX is stating that there is a fee for auto pay with is not listed anywhere on the statement nor on their website and that was the extra money withdrawn. 

from bank statement : XX/XX/XXXX ELECTRONIC WITHDRAWAL / DITECH REG PAYMNTXXXX {$540.00} XX/XX/XXXX ELECTRONIC WITHDRAWAL / DITECH REG PAYMNTXXXX {$540.00} XX/XX/XXXX ELECTRONIC WITHDRAWAL / DITECH REG PAYMNTXXXX {$540.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I dispute this account XXXX XXXX XXXX XXXX last month and I received a letter from Equifax saying The Disputed Item is NOT Currently Reporting on The Equifax Credit File but I just got a copy of my credit report and that account is still there. Im sending a copy of the letter send to me from Equifax after my dispute of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Veros Credit, LLC
State: CA
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:
your making my credit score terrible and the info you have is incorrect and not true i was in XXXX  during those years wrong person my info was used before also i just recently found out for multiple things that are not me .that are affecting my credit negatively please erase your remarks on my report thankyou

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Navy Federal Credit Union attempted to get my loan refinance by offering a 'Rate Match Guarantee. ' They then delayed and delayed the process to ensure my other bank rate would expire and then surreptitiously voided the deal they had with me. They had a criminally bad appraisal of my home done ( coming in over {$100000.00} lower than other appraisals ) and then told me they would use the appraisal of a different bank. After sufficent time passed for the rate I had from the other bank to expire, Navy Federal changed positions and insisted they could not use the appraisal of another bank but encouraged me to reapply for a loan at a much higher rate. This caused me to lose substantial rate savings and hurt my credit through multiple hard inquires.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband of 25 years has passed away recently. I am XXXX and mostly XXXX, and I am in XXXX and can not think clearly most of the time. For the past 3 years my husband was taking care of all our finances, so I was lead to believe, well now I find that none of our finances were being taken care of and I see where I am in default in all my loans. I do not want to lose my home and would like the opportunity to fix this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation