BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We called Wells Fargo Home Mortgage to get a payoff on our mortgage on XX/XX/, the account representative pulled the payoff in the amount of {$450.00}. The representative advised us that we could not transfer the money online ourselves and advised that she would handle this on the bank side. She got the account information but she entered the information for the account number wrong. OnXX/XX/XXXX my husband realized the amount never came out of our Wells Fargo checking account and called Wells Fargo back to find out why. The representative acknowledged their error and fixed the account draft and processed it correctly. The XXXX cleared our bank account on XX/XX/. 

On XX/XX/, we called Wells Fargo to check on our satisfaction of our lien that had not been processed with the XXXX County Register of Deeds. In NC there is a 30 day requirement to release a lien. The representative advised that they showed the lien had not been released and would send an urgent request to the lien release department to XXXX this paperwork. We were told that a representative would call me with this information. We received no call back. On XX/XX/, we called Wells Fargo back and were advised no additional work had been processed by the lien release department. A case was opened with the executive escalation department. OnXX/XX/XXXX, we called the executive department and received no updates to our request. Around XXXX the same day, a representative named XXXX from Wells called to say he was handling our request. He proceeded to state that my loan was not paid off and that I still owed {$450.00} since the first automatic draft did not complete. While on the phone, we pulled up our bank account and gave the cleared date of our draft. He proceeded to disagree with me even though he had no access to look at our Wells Fargo checking account. We are in receipt of a final payoff letter from Wells Fargo dated XX/XX/ stating our account is paid in full. Our online banking confirms our mortgage account is paid in full. 

Here is our deed information {$160000.00}. Book 2494 page 1761 - 1782 datedXX/XX/XXXX. There is an extreme disconnect from the generation of a payoff letter and processing the release that needs to be investigated. I want this expedited immediately.

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 2023-10-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

OPEN : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX CLOSED : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX  Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: NC
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate 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 non-monetary relief
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate 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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 last payment made to my credit card account at XXXX XXXX XXXX  was XXXX XXXX, XXXX. They closed my account between the dates of XXXX XXXX, XXXX and XXXX XXXX, XXXX. The balance on the account at the time was {$400.00}. I have documentation proof of that was well which I will upload. On my credit report, they only report the account as being closed in the comments but are still showing the account as being open in the pay charts. I never made any payments after XXXX XXXX, XXXX, but yet they are reporting I made payments in XXXX and XXXX in order to continue increasing my balance to obtain more money from me. Now they are reporting my balance to be {$630.00}. How can a closed account continue to gain interest or whatever when the account is closed. Every other account I have that closed, is the balance never increased. If I was late they reported it and I get and understand that but increasing a balance is wrong when the account is closed. Ive disputed this information with the company back in XXXX to fix the issue and was told they would but nothing was done about it. I even disputed the information with the credit bureaus along with the documentation I have and they continue to report the information as being accurate and it clearly is not.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: CA
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 Account XXXX. ) Account Name : XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX ) Account Number : XXXX, XXXX. ) Account Name : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX ) Account Number : XXXX, XXXX. ) Account Name : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Account Number : XXXX, XXXX. ) Account Name : XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account Number : 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 an account without my written 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
Consumer complaint received 2020-02-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The following accounts are not mines nor do I know the person or persons inwhom added me to these accounts as an authorized user, I'm demanding that these accounts are removed from my credit file. 

1 ) XXXX/XXXX  XXXX XXXX 2 ) XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on or about XX/XX/2021, I received a notice from Credit Collection Services that I owed XXXX {$330.00}. I called CCS and advised them to send me proof of services and debt. CCS referred me to XXXX and I explained to CCS that they need to send me the proof of services and debt if they are collecting on XXXX 's behalf. On or about XX/XX/2021 XXXX sent me notice that they will report me to all three credit bureau if I don't pay by XX/XX/2021. I called XXXX and advised them that I have not received any documentation from them on the said debt and or services from XXXX. They told me that they would send me the Health Insurance Claim form. I did receive the Health Insurance claim from which had my name and date of birth, however, it had a bad address and doctor that I had never seen or heard of. The Claim form had 'signature on file ' and no verification or actual signature. I requested that CCS go back and send me proof of debt/ service with my signature authorization such as service and doctor. CCS did not send me proof and reported me to all three credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: PNC Bank N.A.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/21, did a wire transfer from XXXX XXXX acct XXXX to PNC bank acct XXXX. This was for the purchase of a classic car. The car was fake and I tried to get wire transfer cancelled/ reversed without any luck

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Social Finance, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
At present, I have made three ( 3 ) payments to my Sofi Personal Loan. Each payment includes an additional payment to the Principal by including two separate checks in a certified envelope to Sofi.

One check for a regular payment of {$810.00} as agreed upon and the other check for a principal-only payment of ( 1 ) {$2000.00}, ( 2 ) {$4000.00}, and the 3rd payment of ( 3 ) {$2000.00}. A grand total of {$8000.00} has been sent toward the principal. 

I recently reviewed my statement and noticed that Sofi has been applying my regular scheduled payment of {$810.00} as a principal payment. Thereby taking any additional funds as interest payments and applying the rest to the principal. 

An example : Principal Interest Total XX/XX/2020 Schedule Payment {$810.00} XXXX {$810.00} XX/XX/2020 Schedule Payment {$1600.00} {$360.00} {$2000.00} XX/XX/2020 Schedule Payment {$810.00} XXXX {$810.00} XX/XX/2020 Schedule Payment {$3600.00} {$360.00} {$4000.00} XX/XX/2020 Schedule Payment {$810.00} XXXX {$810.00} XX/XX/2020 Schedule Payment {$1500.00} {$470.00} {$2000.00} My initial Loan was {$42000.00} at a rate of 11.491 %. 

XXXX? ( whose manager is XXXX ) assured me that the figures come out correctly. And that there are " no errors to correct. '' For transparency she is incorrect. Principal only payments should always be applied to the principal. Interest and principal payments should only be applied from the agreed-upon scheduled payment of {$810.00}. 

I asked them to correct this error but to no avail. Notice the different amounts in principal payments when I sent an additional {$2000.00} for XXXX and XXXX payment. 

Please reach out to them and ask if they could correct the errors in my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain 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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX  XXXX Balance {$0.00}

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 2023-10-17
Company: Happy Money, Inc.
State: WA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had a brief period of unemployment, so I took the 2 month bill pause they offer normally. No big deal, modified my loan and went about my business. XX/XX/XXXX they advise that I'm past due. I look online and the billing section says I have a payment due XX/XX/XXXX. I'm very certain the rep I talked to said, no bills until XXXX. I have no other bills, I have no other notifications I owe for XXXX. 

They said " our system will skip ahead to the next payment. '' What? Is that legal? I don't know... I got my modified loan statement. But I got ta figure out if just not sending a bill is legal ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried 3 attempts to contact this company ( Enhanced Recovery Company ). Ive tried contacting their company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which is why I have CC CFPB to enforce that I receive what I am requesting as a consumer. I have contacted this company regarding a debt that their office is reporting to my credit report, Ive asked for Debt Validation and still have not received a response. To my knowledge this is violating both the FDCPA and the FCRA. If this company can not send me validation upon my request, and even having to ask for this information 3 times makes me assume as a consumer that this company can not validate this alleged debt. If this is indeed the case, this debt should not be reporting to my credit report. I am asking that they cease all activity of trying to collect this debt and remove it from my credit report. I have gave this company ample time to respond to me. I have asked for validation XX/XX/XXXX and followed up XX/XX/XXXX and no responses neither time and now have sent a letter XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Ocwen Financial Corporation
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have kept COPIES all of the XXXX XXXX XXXX BANK Cashier Checks XXXX XXXX money orders for the last 2 years since OCWEN/PHH formed their marriage XXXX Previous OCWEN alone were XXXX amounts. OCWEN/ PHH were {$480.00} amounts. 
When I was using OCWEN due to the home insurance here for my place in XXXX jumped to $ 1700 year. OCWEN was then {$790.00} to $ 900 year. So I knew they only covered the cost of the money. Payments went up to {$570.00} I started using them for the 1 year. I RESTARTED a new XXXX XXXX XXXX the rates were {$98.00} month in XX/XX/XXXX. Their rates were less than the others ; XXXX XXXX ; XXXX XXXX, and coverage was the same. OCWEN/PHH came XXXX the with my payments were late XXXX XXXX. I paid the {$24.00} dollars with a separate check. from then on they continued with the scam, to ruin my XXXX rating. It was then, I read about this Case in XXXX XXXX XXXX, Idaho that made me start thinking about the particulars. OCWEN vs XXXX they had the cops evict them from their home and business. Well then my Checks would disappear and show up weeks later but I had already started making copies of everything I sent to OCWEN/PHH they continued to losing my moneys and continued every month with late payments and attacking me with on my XXXX score to prevent me from being able to Refinance. They alone intentionally was looking to stealing my XXXX, by going into foreclosure. I would apply at other places and they would give me answers like you haven't made a payment since XX/XX/XXXX. A lot would just not call back, or say if you raise your FICO we would be interested. My checks always had my ID # number on them XXXX and the Due date as month and day. My XXXX XXXX XXXX XXXX checks were cash through XXXX Bank. The XXXX XXXX XXXX Orders there is a question. Maybe 6 out of the 2+ years. I have my paper trail but getting my XXXX Bank paper trail would be difficult for me. I believe my # is a XXXX #. I get my SS Deposits either on the XXXX of the month up to the XXXX the month. I always purchase my payment between those dates. Everything I SEND always attach CERTIFIED MAILER, plus the copies which proves I paid before the XXXX of next month. I have those but there at the XXXX XXXX XXXX XXXX XXXX XXXX. The payments for XXXX XXXX XXXX they sent back without cashing them. But I have the CERTIFIED XXXX AND COPIES. XXXX XXXX XXXX  passed to me my XXXX now less than XXXX. There may be things I should include that are possible but it is now XXXX Sunday the XXXX I could try to send more. My XXXX XXXX XXXX seems over whelmed. I want to take this thru a XXXX XXXX as XXXX, Idaho. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX XXXX XXXX

Company response to consumer: Closed with explanation