BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: Gurstel Law Firm, P.C.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Here is a summary of the situation and the additional information : 1. Submitted initial disputes to XXXX XXXX concerning unauthorized activities on my account. 
2. Engaged in multiple follow-up correspondences with XXXX XXXX XXXX emphasizing my request for rectification. 
3. Instead of offering a resolution, XXXX XXXX has reported inaccurate information to credit bureaus, adversely affecting my credit profile. 
4. I also want to bring to your attention that Attorney XXXX XXXX provided XXXX XXXX with the necessary information required on XX/XX/2023 via certified mail with tracking number : XXXX This submission should have provided XXXX XXXX with the essential information needed to expedite the investigation and resolve the disputes promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2022-10-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Respected Commissioner 1. I have requested the Wells Fargo bank for PMI cancellation and the bank advised me to take an appraisal done by its own chosen company ( details are attached ). Just after making the request, I was getting multiple phone calls and mails from the bank for me to hasten the process. I was also given only 1 month time window to do the appraisal. Ultimately I have paid {$550.00} towards the fee and done the appraisal. 
2. The appraisal amount came to be nearly XXXX above my original purchase price just over a year ago, much above the 80 % threshold to get away the PMI. 
3. Upon enquiry after the appraisal, the bank refused to cancel the PMI, stating that no significant improvement has not been done on the property, and that is the only circumstances on which the PMI cancellation can be considered. 
4. I feel that the Wells Fargo bank is doing business in an unethical manner and not in good faith- a possible violation of the Truth in Lending Act. 
5. I request you to intervene. 
Thank you Sincerely 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 2021-04-06
Company: Shellpoint Partners, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Father XXXX XXXX XXXX and XXXX XXXX are deceased. I, XXXX XXXX, inherited a property with debt owed to Ditech Financial. The mortgage company Ditech went bankrupt. The debt was assumed by Shellpoint Mortgage Servicing, XXXX XXXX XXXX XXXX, TX XXXX. I have carried insurance on the property since their deaths with XXXX XXXXXXXX XXXX XXXX. I listed Shellpoint as the loan holder and had proof sent to Shellpoint. Without my knowledge, Shellpoint Mortgage force wrote extra insurance on the property and refused to refund the amounts charged even though the proof stated the property address has had continued coverage from 2014 to present. In addition I paid more than the due amout of {$260.00} every month amount of {$300.00}. which added to an extra payment a year. However, they raised the payment on the fixed loan to {$300.00} due to the insurance they unfairly placed on the property all the while having proof of insurance made to them. I call several times and they would not speak to me even though I said I had been authorized person on said loan for the entire time before and after my parents both passed. I resent all death related information and copy of the Will. The said I had to redo the loan with them. I do not wish to redo anything with this debtor nor did my parents have a debt with this company. The property is worth {$48000.00} and the debt is for less than {$10000.00}. I want them to refund all the forced insurance with any interest and all late fees assessed. Due to loan being an assumed mortgage, they should in good faith honor the original payment and not be able to rob someone by upping a fixed mortgage payment out of the blue. There was never a escrow account on this mortgage and they claim there is. I recieved no help the many times I called to straighten it out and because I continued to make the same payment as I have the last decade, Shellpoint stated I was at one point {$1200.00} behind on a {$260.00} loan payment due to insurance and late fees asssed. While I state I paid more than the monthly amount due which is of {$300.00}. It is unfair for Shellpoint to raise the monthly payment on a fixed loan. They further should not be able to assess any fees or interest on unnecessary and unfair insurance premiums. 
I attached a copy of the forced monthly payment increase statement from Shellpoint and also attached is the copy of my XXXX XXXXXXXX document stating on policy of Shellpoint 's interest in the insured property. My phone number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX KY XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi closed my charge card on XX/XX/XXXX due to " 2 years of inactivity ''. At the time, I had over XXXX $ in Citi Dollars on the card. ( i.e. Earned cash credit since XXXX. ) I did not receive a phone call, a letter via USPS, or an e-mail, informing me that this was about to occur. 

I spoke to Citi by phone, attempting to resolve the matter, but to no avail. Citi cited that my last account activity was a payment on XX/XX/XXXX. Hence, 2 years had gone by, and that they had every legal right to close my account, due to inactivity. In addition, they also stated that they had every legal right to not send me a check for the XXXX $ in earned cash credit - because the account was now closed. 

Fact : The account was opened in XXXX and had been in active use for XXXX years. 
Fact : Citi send me a new charge card, to replace the expiring card, in XX/XX/XXXX. 
Fact : I activated the new charge card several months later. I had no intention of closing this account. 
Fact : The last activity on the card was the new card activation. 
Fact : The new card had a 4 year use window, and is set to expire in XX/XX/XXXX. 

Timeline : XX/XX/XXXX ( Payment ) Timeline : XXXX XXXX ( New charge card is sent, to replace the expiring card on XX/XX/XXXX ) Timeline : XXXX XXXX ( New charge card is activated by phone. ) Timeline : Citi closes new charge card on XX/XX/XXXX FACT : Citi closed my account after < 6 months of activity, since activating a new charge card clearly documents charge card activity. 

The fact that Citi refused to refund the cash, the fact that Citi cited that there was " no card activity '', the fact that Citi stated that it was their legal right to perform the actions that they did, makes me believe that their actions were pre-meditated, and performed solely for Citi 's personal financial gain. The fact that they made no attempt to contact me before the closure, provides additional evidence of their ill will and ill intent. 

Thank 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 explanation
Consumer complaint received 2021-01-05
Company: Southwest Business Corporation
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a mortgage for with XX/XX/XXXXa subsidiary of SWBC, which was closed on XXXX XX/XX/XXXX after the sale of my home, XXXX XX/XX/XXXXXXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX I had notified them of my new address, XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX, XXXX to send the escrow balance check for {$13000.00}. 

After 1 months of waiting and still no news of the check I started inquiring and finally on XX/XX/XXXX, after going through long hold at the end of a telephone and web inquiries, it was determined the cheque was mailed to my old address where I do not reside. I had mail forwarding till XXXX, so even if the check was sent to the old address I would have received it. Finally, I was told on XXXX another check was sent to my new address, but I am yet to receive it and currently unable to reach anyone at XX/XX/XXXX either via email nor phone. It is out of desperation that I am reaching out. 
Impacted by the COVID crisis I lost my job, which led to me selling the house, hence not in a great position. I need this money badly, hence requesting a wire transfer with a compensation for the agony these guys have put me through.

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 2019-03-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello - I went to pay my bills using an online banking service with USAA and when I opened the the screen I was met with the requirement to provide my personal income and net worth. USAA would not let me proceed from there without providing this information. I called and asked to speak to a USAA representative. He said the information was required by the Patriot Act. I asked what part of the act. He didn't know. 

The call was transferred to " XXXX '' who claimed to know more information. I asked why USAA wanted this information and she said USAA wants it and also it is required by the Patriot Act.She said USAA won't provide me access to my accounts to pay my bills until I fill that out. I asked if I could have her last name. She said no. I asked if I could get a direct number. She said no. I asked what government agency regulates USAA in this area. She said Consumer Finance. I asked what part of the Patriot Act required that I provide this information. She wouldn't provide this information but reaffirmed if I don't provide it I won't be able to access my accounts. I asked again if there was someone who could provide more information. She said no. She affirmed I had exhausted any ability to resolve this matter by directly contacting USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX  did not Give notice that I can dispute the debt, This junk debt buyer parked a collection account illegally on my consumer reports, I have never done business with XXXX XXXX I have No contract with XXXX XXXX. This company has violated setion 623 of the fair credit reporting act and Federal debt collection practice act ( FDCPA ) section 1692j XXXX has harm my abilty to obtain credit at a low interest rate. I ; m in the process of purchasing a home for my Family.

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 2023-04-19
Company: EQUIFAX, INC.
State: NY
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXXXX/XX/XXXX XXXX Date Opened XX/XX/XXXXXX/XX/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 2018-04-12
Company: Sonnenschein Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I spoke to XXXX XXXX at Sonnenschein Financial. He told me about a red light photo ticket and said he was calling to get it paid. 

I asked him for verification of debt. He got very angry and told me he was putting this on my credit report today if I didnt pay. He also told me I would get my VOD in minutes. I also never received a dunning letter. 

I never received the verification of debt and through research I found a multi- settlement between states and CRAs regarding these tickets stating that they would not be reported to CRAs any longer. So he lied to me. 

Although the FDCPA does not apply to this situation, he broke several provisions and UDAPP violations along the way with harassing and unreasonable requests. 

Lastly, when I asked him if these calls were recorded he told me he was done with this conversation and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company is showing a past due payment in XX/XX/2018. 

They can not and will not provide statements and payment authorizations to solidify the data on my credit report. 

in XX/XX/2018 I called customer service to change my payment due date and statement date as well as make a payment. The company did not reflect the updates and are reporting a late payment on my account although the account was never past due and/or paid late per the contract. 

I need this late payment removed from my credit report or changed to an on time payment immediately as it is hindering me from obtaining necessary financial products and services.

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 2022-11-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX, Account # 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 card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to the credit bureau via phone and XXXX XXXX  since XXXX of 2022 regarding multiple unauthorized inquiries submitted on my personal credit report. 

I have advised that not only did I not authorize the requests, I also informed the credit bureau that I have been a victim of identity theft in the past which proper documentation has been provided to the bureau along with a police report, but I also have been a victim of multiple data breaches which they have been made aware of also via XXXX XXXX, with Equifax being one of those credit reporting agencies who notified me of their own data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to the credit bureau via phone and XXXX XXXX  since XXXX of 2022 regarding multiple unauthorized inquiries submitted on my personal credit report. 

I have advised that not only did I not authorize the requests, I also informed the credit bureau that I have been a victim of identity theft in the past which proper documentation has been provided to the bureau along with a police report, but I also have been a victim of multiple data breaches which they have been made aware of also via XXXX XXXX, with XXXX being one of those credit reporting agencies who notified me of their own data breach.

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 2022-03-19
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: SEMPER HOME LOANS, INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Back on XX/XX/2021 through XXXX, I found Semper Home Loans that was offering a competitive refinance rate of 2.375 % for a 30 year fixed mortgage. They sent me a list of paperwork that they needed to secure the loan and I responded with everything they asked for within 5 days. I have nearly 60 emails from the four loan originators that I have been dealing with to prove the timeline and delays on their part submitting my information to the underwriters. These delays have now allowed them to claim that the rate lock has expired and that rate is no longer available. 

How can a mortgage broker be allowed to advertise a rate and then simply use delay tactics to run out the rate lock that causes a substantial loss in the tens of thousands to me over the course of the loan. 

I'm not sure how much documentation you will need at this point, so I will wait to here back from you before deluding you with files and emails. 

The last person from Semper Home Loans that contacted me was : XXXX XXXX Senior Loan Organizer NMLS # XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, RI XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation