BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Mortgage Research Center, LLC
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Since the beginning of my loan with Veteran 's United I have made multiple principal only payments. Each time I've made a principal only payment Veteran 's United system instead makes a regular monthly payment with interest and escrow. In the last 12 months I've called into Veteran 's United, spoken with a human being from Veteran 's United, asked to make a principal only payment -- specifying each time that I want all funds on this payment to go to principal -- and when I check the next day Veteran 's United 's system has instead taken from the payment I made and made a regular monthly payment first ( with interest and escrow ) and then applied the balance to principal. This has happened at least five times in the last 12 months. Each time I call the representative tells me they've made some sort of " hierarchy '' change to my account, but each and every following time I call in to make a principal only payment Veteran 's United 's system first makes a regular payment with interest and escrow and then applies the balance to principal. *****I am convinced that Veteran 's United 's system is doing this to many veterans, not just me. ***** I'm no longer concerned about fixing this problem for me, as I've just resigned to the fact that Veteran 's United has made a conscious decision not to fix this problem ; who I'm concerned about are the likely thousands of other veteran 's that are being cheated by this faulty principal only payment process. I'm not looking for the template answer that will come from Veteran 's United 's representative -- telling you that they take each complaint like this seriously -- I'm looking for proof positive ( something that will convince your agency -- that Veteran 's United will ( a ) reverse this for past Veterans and ( b ) stop it from happening to other veterans in the future. Please feel free to call me or email to get documentation from me of this particular recurring problem. Thank you in advance. XXXX XXXX, XXXX, XXXX XXXX ( XXXX. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I made an additional escrow payment in the amount of {$4700.00} to offset my escrow shortage of {$5300.00} and to lower my monthly mortgage payment due XX/XX/XXXX. I made the additional escrow payment via Wells Fargo 's website. However, Wells Fargo 's system did not make apply any of the {$4700.00} to additional escrow as I submitted. Instead, Wells Fargo made a payment in the amount of {$1700.00} to the XX/XX/XXXX piti payment. Wells Fargo also made a payment to the principal balance in the amount of {$2900.00}. A total of zero dollars of the {$4700.00} was applied to the additional escrow as I requested. On XX/XX/XXXX, I noticed the {$4700.00} was not applied to 'additional escrow ' and I called Wells Fargo XXXX escrow department. The representative reversed the previous payments and applied them correctly. However, because of the incorrect application of the {$4700.00} that I requested on XX/XX/XXXX, I had to pay a significantly higher mortgage payment for XX/XX/XXXX. After speaking with a supervisor, it was explained that additional escrow payments that do not satisfy the complete escrow shortage amount are labeled as 'unapplied funds ' and are applied differently. Wells Fargo website does not provide a disclosure explaining this situation to customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a Bankruptcy in XXXX of 2011 which did not go through and was closed with out discharge by the BK court which makes not an official BK. I have disputed this with Equifax over the years to have it removed on several occasions to no avail and I am not happy. It is my understanding that Equifax searches for public records with out investigation and does not care to see if the BK is legitimate or not. I was told this by the BK court. Credit Bureaus should not be allowed to do this kind of unfair, predatory and hurtful practice on consumers and they should be punished. It has been on my report for seven years something that was just filled closed with out discharge and never official. The rules need to be changed on how you the credit bureau collect a serious public record information like this. If a BK is official and goes through the courts and is approved sure it is legitimate put it on the report. If it never goes through and gets discharged or dismissed you the credit bureau should have it as a public record on that persons report therefor hurting the consumer by reporting something that was never made official and was only a filed document. I am going to request again to please have my BK removed immediately. If it is not removed I will take further action and go as high as I need to go with the Federal Government to get this removed and make sure you the credit bureau don't hurt the consumer with this unfair and predatory practice again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I logged into my online banking profile and saw that {$6300.00} was transferred out of my checking and savings accounts into a bank account that I did not recognize. I immediately spoke to my husband ( joint account holder ), who had no knowledge of the transfer either. I contacted my local branch in XXXX XXXX that same day, went into the branch and was informed that someone had added another party to our accounts, despite the fact that neither my husband nor I had authorized this. This then stolen transferred all of our funds out of this account. I asked them to reverse the transfer and they stated that they couldnt. That same day, I filed a claim with the branch employee and was promised that this would be resolved promptly and that they would return the funds soon. In the meantime, my husband and I were left with no money to pay our bills. I also filed a police report and completed a claim form which I provided to the branch employee. The following week, I called to check the status of my claim, and I was informed that the central office had never received my claim form. I contacted the branch where I had filed the claim and they informed me that the branch employee must have sent it to the wrong area. We resent the form and weeks passed by without any information regarding my claim. Keep in mind, that I was contacting the bank at least once a week ( usually more than once ) for a status update. When I did not receive calls back from the branch manager, I involved the district manager, who ensured me that this would be taken care of and that my funds would be returned promptly. I also asked for information on how this could have happened because in order for the bank to add another holder to a joint account, all parties must be present with identification, and my husband and I obviously did not go the bank to add someone to the accounts. We are also both in possession of our identification so this does not make sense. The bank has refused to provide me with copies of my account records, documents, and/or signature cards and have still not provided any information regarding how something like this could have happened. I also still have not received my funds back despite the fact that 8 weeks have now passed since I filed the claim. Last week, the branch manager assured me that a check would be mailed that week, but I have yet to receive it. Further, the district manager is not responded to my calls or emails regarding a resolution or status update for my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: IL
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 received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is showing a past due balance of XXXX to complete credit solution. According to the FRCA I have a right to an accurate credit report. Please remove this item immediately from my credit report. Also want to do the same thing with the The first premier bank account is showing a past due balance of {$650.00}. And the last account showing a past due balance is acceptance now. Showing a past due balance of XXXX. According to the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), I have the right to dispute any inaccurate or incomplete information on my credit report. Please remove these items immediately from my credit report. Please provide a copy of my new credit report reflecting this account removed upon completion

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi I bank with Wells Fargo Bank for a few years now I never had any problems with them. Every time I have any problems or doesn't recognize a transaction they would always fix it, but the last complaint I had with them they never fix it. Seem like they look the other way. I have XXXX unauthorized transaction I believe it wasn't me XX/XX/22 ATM withdral {$200.00} and XX/XX/22 XXXX XXXX {$26.00} I called and complaint I even went to the local branch on XXXX at least 3 times it seems they didn't want to help me they told me to call the cops and file a report and I also request for a photo of the person that withdral the {$200.00} because I want to see who it is they keep making excuses so I never receive any photo or video to me that was a red flag why can't they provide a picture of who withdral my account I mean camera at the ATM are made to take pictures right for that purpose. For the XXXX XXXX at that time it wasn't me when I first try out the ride I had to deposit {$20.00} dollars and after that I never XXXX XXXX XXXX  again because the scooter I believe it has some problems so I had a bad experience I also told the Bank all my electronic device is been hacked my email, phone is been hacked they come to a conclusion that I gave some one permission to withdral from my account I told them over and over again that I didn't give any one permission they end up closing the claim so they allowing some one going around and using my info and me dealing with the consequence and I'm on XXXX I barely make it every month I don't have the resources all I'm asking them is a picture so simple that pretty much would solve everything til now still no picture

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-03-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Complaint to Citibank NA, Follow up to your letter XXXX XXXX On Citibank Letter dated XXXX XXXX, bank admit account to be fraudulent, account number XXXX And refuses to open an investigation for fraud. Since XX/XX/2022., banks continues on a denial You as the creditor for account, account number XXXX is the one who must prove account and you have not you clearly failed to turn over investigation report after 90 days period and you continue in violation and damaging my person. 

In addition I never had and dont have the above card, Neither I open the account Account Not mines. 

I hereby request to Citibank Na, to supply me immediately with a cancellation letter For account number XXXX, within XXXX business days Due to your refusal to cooperate on this serious matter and in denial unfairly treated Im referring this issue to matter to Consumer Financial Protection Bureau Office of Enforcement. 


Attacahed documents for review Citibank NA, Letter ,90 days lapsed never turn over investigation report Citibank NA, Letter admits accepts account fraudulent Citibank NA, inconsistency You have failed during the 90 days investigation to turn over documents proof For that reason send me a cancellation letter for account number XXXX, within 7 business days I will be force to communicate with XXXX XXXX, Fraud Prevention Thank you 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 2023-08-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated my rights, 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2023-07-20
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by whom I thought was a friend on XXXX who I've know for years for a vehicle and I sent {$3700.00} to chime to chime but the account was hacked and the chime is fraudulent and chime bank didn't do anything about it and quickly denied me. I'm at a huge loss for my family. Idk what to do now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Data Mortgage Inc.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX we lost our XXXX air, and here in Alabama it gets hot. I spoke with the mortgage company about the missed payment which would be for XXXX. We are trying to get back on track, Im not sure what the back balance, I received a letter stateing that XXXX was due. My father is a XXXX Veteran, he's on XXXX XXXX ( 3 times a week ). Plus he is a XXXX XXXX. My mother is trying to get a company to help with to replace the XXXX air unit. We are trying to get caught up, but its been trying. We are able to XXXX payment. But the mortgage company wants all of back balance. I filled out papers in order to get a extention on the loan. I have not heard from til the letter I received yesterday by mail, that was on Monday XX/XX/XXXX, for XXXX 's payment. We are really trying. But we fell behind because we are trying to get a XXXX unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Experian Information Solutions 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:
There are 8 accounts showing up on my credit report that do not belong to me I have been wtriting and calling the bureaus regarding this but nothing is being done I have opened a FTC report regarding Identity theft I need this taken care of asap!!! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2022-07-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a private loan with Navient/Sallie Mae .

Over the course of my repayment, I had difficultly paying, and when I called, the only option was to defer or apply forbearance, compounding the total amount of my loan. I was NEVER offered lower rates or an income based plan. They told me this was not possible. 

My original loan amount was around $ XXXX for a XXXX degree from XXXX. I think this falls into a subprime category, considering it is absurd I would be able to pay that back from the degree. I do not come from money. I lived in a trailer park as a kid and we thought going to college was the right thing to do, and Sallie mae / Navient offered me a predatory loan when I was XXXX. 

I have paid over DOUBLE the amount of the original loan, roughly $ XXXX. 

I have about XXXX left. Considering I was never offered repayment options, and that my loan is subprime, I would AT LEAST like the remaining amount forgiven. Navient and Sallie Mae subjected me to unfair and deceptive student loan servicing practices and abuses in originating predatory student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: PA
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 accordance with the Fair Credit Act XXXX Account has # XXXX has violated rights. 

15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written consent.

Also in violation under 15 U.S. Code 1681i ( 5 ) Removal of Credit Information and 15 U.S. Code 1681e ( b ) Compliance of possible accuracy. 

DEPT OF EDUCATIONXXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These companies have incorrect information reporting on multiple of my accounts. There is also incomplete information on my consumer reports. These errors are effecting my finances due to my credit score lowering.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN 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 explanation
Consumer complaint received 2021-05-11
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
For You and Experian : I am the victim of a Brutal Criminal and STILL am. I, also, am the victim of Other Criminals. And know what I have just said is of extremely, extremely GREAT importance., And know Attaching Files on Your Website is NOT working if only at this time, FTC 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