BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have repeatedly been denied access by all XXXX major credit bureaus for my free annual report ... I submitted ALL of the asked for documents to receive my credit reports from all XXXX agencies : XXXX Experian XXXX XXXX XXXX ... .I have not received a response at this time, or a report XXXX XXXX XXXX XXXX I received a response from Experian stating that they REFUSE to send me my credit report, after they received a copy of my Driver License, a copy of my Social Security card, a copy of my mailing address on a cable bill, and years worth of address history, date of birth, full name. By law they MUST give me a copy of my credit report. Please Intervene. Also, I received on XXXX XXXX, 2014 dated an " incorrect reporting '' copy of a credit report, not my actual positive file, XXXX, and the report stated a FRAUD ALERT on my file ... which was never put there by me. Please assist. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CrossCountry Mortgage LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Cross Country Mortgage bought a required flood insurance policy when I purchased the property in XXXX. That policy was $ 3300 yearly. On XX/XX/XXXX I found a flood insurance policy through XXXX for {$540.00} annually. I sent the documents to the mortgage company via email to both their customer service address and to the loan department on the XXXX of XXXX as well. I sent them again on XX/XX/XXXX. I followed up with several phone calls and each time was told it was taken care of and would be reflected when the escrow was reevaluated. The {$3300.00} policy was canceled, the escrow was adjusted and an {$1800.00} escrow refund was issued. In XXXX, I was informed that the Progressive policy was never paid and they repurchased the {$3300.00} policy. I made numerous phone calls, was never able to speak to the same person twice and was told each time that they could see where the policy wasn't paid and they would look into it. I tried to get the Progressive policy reintroduced but now they say I need a new elevation certificate which is expensive in and of itself, and that the lines for the flood zones have been rewritten so I can no longer get that policy. The result is a $ XXXX increase in my mortgage payment and I fear that if my health declines and I can't work, that my VA disability won't be enough for the payment and I will lose my home. Every time I have spoken to the mortgage company they have stated that they see they made a mistake and would look into correcting out but nothing has been done. As a result, I have been paying for this oversight for many months and I can not afford it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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: Personal information incorrect

Complaint:
Incorrect Personal Information

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 2022-04-09
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE A COLLECTIONS ON MY CREDIT REPORT THATS NOT MINE THE COMPANY HAS DECIDED TO Ceasing debt collection, telephone calls or other company-to-consumer contacts. XXXXXXXX XXXX WILL NO LONGER TRY TO COLLECT THIS DEBT

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 2015-08-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Back in 2005, I started a mortgage with Wells Fargo. The market was a lot different then. The home is in North Carolina and is now considered our second home. The loan is a XXXX year interest only loan. This means that it just matured this past XXXX. Over the past XXXX years with interest rates improving, I 've been wanted to refinance, but could n't due to XXXX factors. # 1 Being that Wells Fargo sold me a bad loan. I had no idea that there was such a thing. This means that it is n't insured by XXXX or XXXX XXXX. Therefore it is very challenging to be considered for any refinance options. The worst part about this is that I was targeted by Wells Fargo for refinancing numerous times, only to have my hopes crushed when the sale people from Wells Fargo came to the same realization that not being insured by XXXX or XXXX XXXX was the kiss of death. It got so bad that I would take their calls and explain this to their sales teams right up front, they 'd do some checking and save us all some trouble. The XXXX reason I was n't able to get refinancing help was due to the market conditions lowering my house value to my loan. So ... since I was n't paying any principal, just interest on top of the depressed market, my loan to value would never improve. 

So, now that my load in changing to an ARM, my payments have increased another {$350.00} per month, making the payments even more challenging to make. So ... essentially, I ca n't refi to improve anything, but they keep raising my prices making the payments more challenging. We have to try and sell or just keep taking huge losses each month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My account with XXXX XXXX collection agency has been re age. The date of last activity show Transunion being XX/XX/XXXX and XXXX show XX/XX/XXXX The original creditor ( XXXX ) has the date of last activity as XX/XX/XXXX, this shows the account has been re age.

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 2016-09-08
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Disputed XXXX XXXX XXXX ( XXXX ), previously. Received letter from Experian, stating account information has been " updated ''. No changes were made to account, except for " processing date ''. Also, in letter, XXXX other accounts were mentioned, to which I did not dispute in my complaint. XXXX, being a " paid never late '' account, XXXX. The other, being XXXX XXXX XXXX. I checked my previous complaint, and nowhere in the body of my complaint, are they mentioned. Also, I am hereby requesting method used to verify account information. I received a letter from Experian, but not companies mentioned.

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 2015-08-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been paying an interest only for ten years on XXXX trusts for my house at XXXX XXXX XXXX XXXX XXXX, XXXX One of the trusts, an equity account set up by the company, Wells Fargo Bank , at the time of closing on the mortgage, is now in fixed rate status. The other one, the home mortgage, is set to for going market rate in XXXX, 2015. While prior modification applications have failed, I thought Wells Fargo would give me a fixed interest rate when the current rate was due for re-setting. Instead, what Wells Fargo gave me is a 12-month variable rate which would be reassessed on the property annually. Even the rate went from 5.75 to 3.0, I think it is predatory because assuming the going rate for next year is 7.0, that is how much I am going have to pay and when I am unable to pay, I would my house after paying more than {$200000.00} in interest only arrangement. Please step in to protect one more vulnerable customer. 
The names on the Mortgage are : XXXX XXXX XXXX and XXXX XXXX XXXXThe Mortgage Account Number :XXXXThank you for your timely assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am in the process of completing a deed-in-Lieu on my property through Wells Fargo Home Mortgage. I unfortunately have a lien against my home in the amount {$8000.00} that is preventing my property from completing the DIL. The lien holder is refusing to accept any amount other than what 's owed in full before they will remove the lien. Even when I requested an affordable repayment to remove the lien, the answer was still no. I contacted the XXXX for help, but their payments were just as much as my monthly mortgage payment. As a result my property will now go into foreclosure. I 'm working very hard to prevent that by working with the lien holder and the junior mortgage holders on my account. But I feel like I 'm spinning in circles. The junior mortgage and lien holders are giving me a hard time. And I 'm not getting any real assistance direction from Wells Fargo. I need help. Please help me. The mortgage company did grant me some additional time to gather the documents I attached. But time is running out.

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 2015-09-18
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I went to XXXX on XXXX/XXXX/15 and applied for a store credit card. I was unable to get XXXX. Today XXXX/XXXX/15 I tried to call the number XXXX gave to get the problem resolved but again after putting in my social and DOB it would n't allow access. I then tried to get my free annual report from the website XXXX to see if my information was right but again after putting all my info in there were problems. After multiple tries XXXX site asked me questions about mortgages, credit cards and bank accounts that were started several years back that I never had any involvement in those start ups. Majority of questions are things that require you to be XXXX which at the years they said things we 're opened I was under the age if XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called Mr. Cooper since XXXX of 2020 to ask them to pay my property taxes. 

The taxes were due in XX/XX/2020. 

I have over $ XXXX in my escrow account with Mr.Cooper to cover the $ XXXX of property taxes. 

Each week I get the same response which is that they are working with XXXX county to get the bill and submit payment. 
The bill is accruing interest and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: E Mortgage Capital, Inc.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Multiple customers have contacted us, XXXX XXXX XXXXXXXX, XXXX, about marketing encouraging them to refinance. On XX/XX/2021, a customer dropped off a marketing piece he assumed was from XXXX XXXX  XXXX, XXXX We do not currently have a direct mail campaign. The marketing is coming from E Mortgage Capital and misleads the consumer into believing we are encouraging them to refinance. The marketing piece uses XXXX XXXX XXXXXXXX multiple times yet names their company only once. There is no E Mortgage Capital company branding, no NMLS # listed for WY, and only a phone contact # for their sales representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: AK
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:
First, the account is paid in full. It belong to another company, XXXX. See the attached documents showing it is paid in full. 

Second, even if a student loan WERE open, Student loans CAN NOT be collected on, reported on even if they are defaulted, under COVID rules as of XX/XX/XXXX and that has been extended to XXXX of XXXX. Nothing had to be done to have that, it was automatic.

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 2015-03-24
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name and the name of my deceased spouse initially appeared on our mortgage and when he died he did not leave a will and I discovered shortly after his death that my name was not stated on the mortgage with OCWEN. They refuse to give me any information connected to the mortgage and they keep sending me statements stating that I am in arrears of my mortgage and they have stated in writing that my monthly payments are no longer being applied to the mortgage, they are " putting them aside ''. I AM XXXX YEARS OF AGE AND XXXX BEYOND BELIEF!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: WI
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: Problem with personal statement of dispute

Complaint:
The last dispute XXXX did absolutely nothing Experian can not validate, verify or provide me with information on how they verified the balance on my account I've disputed. I'm requesting that they provide me with everything they used to verify the accuracy since XXXX XXXX XXXX doesn't even have a payment history. Experian failed again to answer any question I've asked about how they validated and verified the information from XXXX XXXX XXXX when and debt has to be sworn to. I'm requesting they provide proof of what Experian used to corroborate what XXXX XXXX who is not the original creditor is saying. Also I'm requesting Experian provide me with the credit application that allows this to account to legally be placed on my credit. I will give Experian 15 days to do this because it's required under Wisconsin state law. If not I will sue Experian for assisting in damaging my credit.

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 2016-02-02
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed an identity theft dispute for a card w/all XXXX bureaus at the same. Included my info + FTC identity theft report. XXXX and XXXX quickly investigated and removed the card. Experian has continually lost my paperwork info/constantly closes the disputes saying the credit grantor does n't know how to contact me to discuss the identity theft when I SENT THEM PROOF OF A CERTIFIED LETTER +THE CREDITOR 'S RESPONSE TO SAID LETTER. Every time I re-open the dispute they ask for the SAME PAPERWORK I have already sent AT LEAST 3 times both via certified mail and now on their website. ( Which it took months to get it to actually work for the document uploads without giving me an error. ) Every time I call the lines are busy, and I just keep getting these mailed responses telling me to re-send all the documents I have already sent 3 or 4 times both physically and electronically. And to also reach out to the credit grantor. ( Even though I sent proof of already doing so. ) Throughout ALL of this they have not actually investigated the actual identity theft even though there 's tons of proof behind my not taking out the card. I sent them a letter explaining the situation, including the fact that some phone numbers, addresses, and employment on my report along with the card were from that very same identity theft. So of course they remove the phone numbers, addresses, and employer ( removing the evidence, but not the actual issue ) but leave the card and ask for all the paperwork I already sent yet again. 

I am so beyond done with this. There 's only so many times I can re-send information before just assuming a company is completely inept, especially given how quickly XXXX and XXXX resolved the issue. I can not believe that this company is still considered one of the " big XXXX '' credit bureaus in the United States. How laughable.

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 2020-03-26
Company: FC HoldCo LLC
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:
the reason i am writing you is because i sent you two letters informing you i made not such request for this credit check, i asked the company wheres the evidence that i initiated these requests and they failed to respond.

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 2022-04-09
Company: EQUIFAX, INC.
State: TX
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:
Please delete these unauthorized inquiries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
1. I have been unable to receive my credit report from Experian via www.annualcreditreport.com due to a problem on Experian 's end ( according to the error message ). This problem has continued for over a week. Other complaints online suggest that the problem has continued for much longer. 
2. The site offers a way to receive a report by mail, but the request form is corrupted. I am unable to load the form. Other complaints online mention that the form 's PDF file is corrupted.

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 2022-04-09
Company: Experian Information Solutions Inc.
State: IL
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:
In Accordingness with the Fair credit act XXXX  account number XXXX XXXX XXXX {$670.00} has violating my rights. 

15 U.S.C 1681 section 602 A States that I have the right of privacy 15 U.S.C 1681 section 604 A section 2 A Consumer report can not punish my account without a written instructions of the consumer to whom it relates

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 2017-05-24
Company: MORGAN STANLEY & CO. LLC
State: AZ
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:
Account #  XXXX  ; reported late payments  XXXX   XXXX . We applied for a loan modification on a property we owned. We were told that they would only grant a modification on a loan that was 90 days in default before they would even talk to us. We allowed the mortgage to go the 90 days and were then told that if we made any payments, it might restart the calendar, so we deposited the mortgage payments into a savings account so we could settle the account at the end of the process. In the meantime, their collection department called on a regular basis, threatening foreclosure. We told them we were applying for a loan modification, but they refused to verify this with the loan modification department. The collection department sent the loan into foreclosure while the loan modification was still in process. We paid the default amounts, legal and court fees and THEN got an offer of a loan modification. The terms of the modification were actually WORSE than the original loan, so we turned down the loan modification. We feel that Saxon Mortgage acted in bad faith during the transaction. We followed their instructions and they reported us as being delinquent. We only followed their instructions for getting a loan modification. We had the money to pay during the application and they took a whole year to offer a loan modification with terms worse than the original note, which we chose to reinstate. We feel they acted in bad faith and then damage our credit for following their instructions.

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