BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with 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.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
In accordance with 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. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-01-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Wells Fargo checking account on XX/XX/2023 under a {$320.00} promotion. I met the qualifications on XX/XX/XXXX. I received the recommendation to open from someone I know and their promotion posted several days after the 90 days. I have several friends that have opened under this promotion as well and it's always a few days after the 90 days. I called customer service the first week of XXXX and they told me the promotion was attached and it was in pending status. After it not posting, I have made multiple attempts at communication to resolve the problem with no success. I have tried social media, emails, phone calls, and noone seems to resolve the issue with a credit. 
Also, I opened the account online and for some reason the system accidentally opened XXXX accounts. After calling customer service, they said this wouldn't be a problem, they would just close the XXXX and it wouldn't affect the bonus. They told me they go by the 12 month mark from when a bonus was last received, not the closing date and assured me everything would be fine with the bonus. I would just like my account credited for the {$320.00}, 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 monetary relief
Consumer complaint received 2024-01-30
Company: CCS Financial Services, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Credit Collection Services continue to report an alleged debt that I owe without sending me proper documentation to validate this alleged debt. I would like to know how it was validated and with whom did this validation process happen with. 

Furthermore debt collectors are third party debt buyers and I have no obligation to pay and I refuse to pay it! 

XXXX and Credit Collection Services are both required under FCRA to follow reasonable procedures to protect consumers against fraudulent reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Could not I fo from loan from prior servicer to prove loan was paid off early and was not a lost assignment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I paid for an appraisal to be completed on my house to see if I could have the PMI requirement from my mortgage reviewed. On XX/XX/XXXX, I received a letter indicating : The valuation ordered does not support the property value necessary to meet a 80 % Loan to Value ( LTV ). 

On XX/XX/XXXX, I reached out to XXXX with the following message : Hello, We received word that the PMI removal request was denied, but Id like to know the value for our house that was provided by the agent. 

Please advise. 

Thank you XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX, I received a reply from the servicer : Dear XXXX, We have forwarded your concern to the appropriate department for further review. Please allow up to 10 business days for review to be completed. 

For your protection, we have removed any personally identifiable information from your original inquiry. If you have any further questions, please contact us through our website at www.mortgagequestions.com or call Customer Care at ( XXXX ) XXXX during the following hours : Monday to Friday : XXXX XXXX to XXXX XXXX ET Saturday : XXXX XXXX to XXXXXXXX XXXX ET PHH Mortgage Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX After that, I did not receive any further reply, so I again emailed on XX/XX/XXXX with the following message : It has been far longer than 10 business days and we still have had no communication. 

We have paid a representative of your company to value our house- we are entitled to know this value and it should not take 30 days to receive a response. 

Please escalate and provide an immediate response XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  have not received any reply to this date, and they have had nearly two months to provide a simple valuation of the house as it was appraised. 


I believe PHH Mortgage Services is withholding this information because it is to their benefit to do so, and perhaps the amount was truly enough to cancel the mortgage insurance.

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 2024-01-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
My wife and I are forty year customers of Wells Fargo. We have a first mortgage that we originated with Wells Fargo in XX/XX/XXXX which was sold after being modified to 40 years as part of a home preservation program after I XXXX XXXX XXXX  and had my pay reduced by half ( i.e. {$30.00} per hour to {$15.00} ) 7 years ago, and a HELOC in XXXX for $ XXXX. Our first mortgage has been paid on time and our HELOC is currently reporting 60 days late to the credit reporting agencies and we are over {$5000.00} past due in payments and late fees. We have been repeatedly denied for loss mitigation as we are being advised that we make too much money. We applied to refinance our Wells Fargo debt with Wells Fargo including the mortgage that Wells Fargo sold to XXXX XXXX XXXX  and included the balance of a Wells Fargo credit card totaling approximately @ $ XXXX in order to put ourselves in a stronger financial position by bringing the HELOC current, and reducing our monthly obligations. As long standing customers, we find it difficult to believe that this company has no options for which we can qualify. We do not have {$5000.00} to bring our HELOC current, we do not qualify for loss mitigation and we are only asking that this company find a product in which we can consolidate all of our Wells Fargo debt including the sold mortgage so that we can get one affordable payment and get our credit back on track.

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 2024-02-01
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  and EXPERIAN is still lying about disputes ready to view, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-01-28
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My dad died ( XXXX XXXX ) XX/XX/2023 from XXXX i asked about the car loan i was told to continue to pay and keep car now that car was totalled i cant get any information about said car but i was paying for it my insurance paid it off if i dont matter send me a check for my insurance and my monthly payments

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 2024-01-23
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Had XXXX interest intro offer from Barclay 's Bank for Priceline Credit Card going back a year. Cancelled the card by phone call to Priceline XXXX on XXXX XX/XX/23 ( please listen to recording ) and destroyed it. Leaving me a XXXX balance. Most always paid off balances monthly during time I used the card so no interest should be charged. 
Noticed that {$12.00}. XXXX interest charge effective XX/XX/23 on this XXXX balance but paid under protest. 
Wrote to Barclay 's to complain about this and dispute these false charges @ XXXX XXXX. 
Received response from Barclay 's that insulted my intelligence. They claimed I cancelled the credit card XX/XX/XXXX or some gaslight nonsense. 
Reduction is for them to refund me {$510.00} And like I told my co worker when I went with her to her church and the pastor got up to preach at XXXX XXXX  : they won't have to worry about me no more, no way, no how

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 2024-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo home mortgage incorrectly reported the balance of my mortgage account in XXXX by XXXX which negatively impacted my credit score causing it to drop by XXXX points the day after reporting this information as it signifies delinquency on my mortgage payments which is not accurate. 

The balance on my mortgage statement issued by Wells Fargo is accurate but the balance of the account reported to credit report is incorrect ; I openned dispute with three credit reporting agencies but they referred me to the lender to correct information ; I contacted Wells Fargo and they openned a case that was supposed to be resolved by XX/XX/XXXX according to them ; then I contacted again after the information on the account was incorrectly reported in XXXX and was told that the case was closed as " Wells Fargo does not interfere with how credit reporting agencies calculate credit score '' ; they ignored the problem which is incorrectly reporting account balance but focused on the consequences of the problem which is not their responsibility to wash their hands and pass the buck to someone else. 

I had a credit rating of XXXX before that reporting error and it dropped to XXXX the day after ; no other accounts added or changes during the period of their reporting error and my score drop. 

The negative impact of the incorrect account balance has materialized already and I am paying for it in my cost of borrowing. 

I am only requesting that Wells Fargo correct the account balance reported to credit agencies to match the balance they send me on my mortgage statement and year end tax record.

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 2024-02-01
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
In XX/XX/XXXX i was awarded a XXXX  award to help pay for XXXX mortgage since losing my job during XXXX. They paid my mortgage up until this past XX/XX/XXXX. Where I was still making payments on my account, Freedom mortgage kept them in another account and applied those payments as they saw fit. It was not towards principal or escrow. The total amount paid from the XXXX was {$12000.00}. I continued making payments until XX/XX/XXXX where I was not able to make that payment due to not making enough with work and just starting a new job. When I made my XXXX payment that should have covered the XXXX payment and thus forward to today, where I should only be one month behind for XXXX. They have locked my account from me being able to make a payment and demands I make three months of payment at once, where I can not nor agree that I should have too. They claim to be short {$2500.00} for escrow which isnt clear, and when I ask they just send me my payment schedule showing paid payments and missed payments even though the missed payments up until recently have all been paid in full. They dont put the payments towards the mortgage on time which then causes me to uncure late payments. I currently cant make a payment because they demand over $ XXXX of payments that I do not owe, I owe two months, but because they locked the amount in the payment tab I am unable to make any kind of payment. They are keeping me from being able to sell my house due this reason because I am unable to secure another mortgage due to the way they are handling my money and making reports to the Credit Bureaus. I cant seem to speak to anyone because I just sit on hold for hours. When I message them in the account I get no clear answers and no help. I need to get out from under this and start fresh and feel that isnt going to happen. I am a single mother, with a single paycheck living, my ex does not help pay anything on the house payment. Please help me.

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 2024-01-21
Company: U.S. BANCORP
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment of {$690.00} on XX/XX/2024 but the payment was reversed and they charged me {$35.00}. I tried to call, but their phone system doesn't work.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion is obligated by the FCRA to report accurate accounting. Consumer had advised all the inquiries and said derogatory reported was fraud. said company had 4 days according to the LAW to remove such items. FTC Fraud report was filed on behalf of consumer, consumer is requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer XXXX has 15 days to provide me with name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am not asking for a E-oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules. XXXX commission file number XXXX The XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX is securitizing consumer data yet refuses to provide consumer a copy of their Consumer FILE not Consumer Report. 

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 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 non-monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2024-01-24
Company: BARCLAYS BANK DELAWARE
State: FL
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:
Per 15 USC 1681c-2, this is the statement that the information identified is not information related to any transaction made by me the consumer.

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 2024-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank of America was paid in full and refuses to remove me from the credit report they were not only paid they made between 2 to {$3000.00} in interest and agreed to the settlement I want them to remove the negative from the current credit reports

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 2024-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX was paid in full and refuses to remove me from the credit report they were not only paid they made between XXXX to {$3000.00} in interest and agreed to the settlement I want them to remove the negative from the current credit reports

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