BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$2.00XXXX XXXX XXXX  XXXX Balance Owed : {$680.00} XXXX XXXX XXXX  XXXX Balance Owed : $ XXXXXXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Date XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX Balance Owed : {$900.00} XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} - XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX XXXXXXXX Balance Owed 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

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 2022-05-02
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my bill on the due date ( XX/XX/XXXX ) and noticed an increase. when I looked at my statement online, I noticed a charge for a shortage. when I called to enquire about it the first person told me I had a reevaluation of escrow, and it was short XXXX dollars. when I asked about how this happen as my loan was modified in XX/XX/XXXX. I was told it was reevaluated in XX/XX/XXXX. And my insurance had increased. My insurance was paid in XX/XX/XXXX, i was XXXX dollars short. After asking to speak to a XXXX, the discussion revolved around my escrow. I was told I basically had to have double the amount of a payment in escrow. I did in XXXX but was told I still had to pay XXXX. An escrow XXXX was placed on the line. He told me I hadn't been paying the full amount of escrow and I was short over for XXXX different time lengths, {$210.00} for XX/XX/XXXX to XX/XX/XXXX, {$320.00} for XX/XX/XXXX to XX/XX/XXXX, and {$210.00} for XX/XX/XXXX to XX/XX/XXXX. 
I was told after doing a home preservation package and making the required XXXX a month payment for XXXX  months, my payment would be XXXX Dollars. I asked different representatives several times if any other charges were required and was told no I was " caught up '' with my new mortgage. I have made the payments in good faith on time since. As far as I can tell i am behind about XXXX dollars. I was told by the escrow expert that home preservation and his dept are different and they didn't get payments from them which is confusing to me. I thought it was the same lender. 
I was told that it was divided into XXXX monthly payments but this same thing could happen next years and result in more hidden payments so I will always be paying fees I wasn't informed of. during the loan process

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 2021-08-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
About two weeks ago I made a phone call do the customer service center at USAA and was inquiring about their rewards on different types of cards and balance transfer promotions somehow there ended up being a credit card application for their XXXX XXXX XXXX rewards card through their institution which caused an inquiry on my credit report which really irritates me because the man I was speaking with did not understand what I was trying to find out subsequently a balance transfer is executed to my existing card instead of to a new product and they ended up with a {$93.00} fee which is the {$90.00} fee plus interest I have now called this institution a dozen times and every time I call, I get put on hold or disconnected or better, yet I get different answers from different agents who don't know what to do about the circumstance the resolution I look for is to get a reversal of the fees and to get either the inquiry removed in the application council or get the stupid application to be completed so a real balance transfer can be made to the new product, and I don't understand why this bank plays games when you call as I write this, I sit on hold with them for yet another ghastly time of 23 plus minutes the first day I spent over three hours on the phone with no resolution when this happened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: NC
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:
Name : XXXX XXXX I have a charge off account in my name with XXXX XXXX. I shouldve received a XXXX Cancellation of Debt Form. Because of that, the account is INACCURATE and HAS TO BE REMOVED

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 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 have an hard credit inquiry that wasnt fraudulently placed on my XXXX credit report. I have been a victim of fraud before and have a fraud alert on all my credit files. Made several attempts to contact the issue XXXX XXXX XXXX. And still the inquiry remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXXXXXX XXXX XXXXXXXX : 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 2023-03-16
Company: CADENCE BANK
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I got into XXXX XXXX last year and missed a a couple of payments on my mortgage. I talked to a rep with a plan in catching up my payments while also seeking out mortgage help through XXXX XXXX. During the process of applying through XXXX XXXX, I was still making payments on my mortgage with the intent of catching up by paying more than the monthly payment. The last payment that was accepted was on XX/XX/2023 and I've sent 2 more payments since then to attempt to honor my obligation. I was sent a letter stated that per my mortgage loan that my payments are being sent back. I emailed the debt collector from the bank and asked where in my paperwork was that stated. She refused to tell me or respond through email. I want to communicate through email for XXXX XXXX purposes on my end. In my contract with them, there is no such wording from what I read that gives them the right to deny my payments. I asked a legitimate question and they failed to respond with an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 2023-07-17
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:
Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX 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  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 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. 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 even if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following items from my file. 

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 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 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 2021-08-31
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:
I have provided this credit reporting agency ample and adequate information for them to remove requested items on my consumer report. Two of them so far to be exact. These attempts have been through affidavits that have gone unrebutted. In Law an unrebutted affidavit stands as truth. This is not the only truth. It is a fact this credit reporting agency is in violation of the Fair Credit Reporting Act. Congress wrote the FCRA to promote the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies. Congress found that an " elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. With that being said pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. " The definition of a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant 15 USC 1681a ( 2 ) ( B ). I am demanding that you these transactions from my report immediately as they are violation of mu rights as a federal protected consumer under title 15 chapter 41 XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX ; Account #  XXXX XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # 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 2021-08-31
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My loan stated that if I did community service I could have for forgiveness. I not only did charity work throughout my career working at XXXX XXXX XXXX XXXX XXXX but I took a year off work as a XXXX XXXX for my husband a United States XXXX veteran instead they XXXX my child on XX/XX/XXXX and locked me out on the streets for over two years with no way out not even access to my XXXX  daughter. I get an email back saying its a private loan theyre cutting closing my case I am asking for for forgiveness for my loan I am also asking that if my husband abandoned me on the streets a month after I cosign his student loan that he take back his student loan and shove it up his 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 2023-07-17
Company: EQUIFAX, INC.
State: AL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was laid off on XX/XX/2019. I contacted Wells Fargo mortgage and told him that I would be late with the payment. One payment. Then if theres anything I can do about it they brought up a an assistance program where are you can go six months without having to pay if you were laid off. I asked numerous numerous numerous times if this would affect my credit negatively. I stressed this I would not have done this if this would affect my credit. Wells Fargo stated it might. For six months they did not report my credit to the credit bureaus. After I found a job and their assistance program stopped, they reported that I was more than 150 days late on my mortgage. They denied me the right to make payments throughout this time somehow I wouldve gone out and done something sold something done something to make a payment to avoid a bad mark on my credit account but they denied me this right by not reporting it for six months. They stated that they report monthly. For six months they called and asked if I still needed assistance like it was nothing like it was a beautiful day theres no rush no problem no issues with this. I checked my credit report at least 2 to 3  times a week it was never reported. Had they reported it monthly like theyre supposed to I would not of been denied my right to fix this. They have damaged my credit beyond repair. This will be fixed one way or another its their choice.

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 2018-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I've recently transferred money to a friend using XXXX from the Bank Of America Online Banking app. It was a quite substantial amount, {$2500.00}. The transaction ended up with my money going a wrong account. There was apparently another BoA account associated with my friend 's phone number. I did some research online and there were people out there faced the same problem without satisfied solution ( https : XXXX ). Per their advertising that users only need mobile phone number or email to start transferring money, and the fact that there could be more than one bank account associated with one mobile phone number has proven that the mechanism is a big security flaw in their software. And also the fact that this issue has been ignored for so long is unacceptable.

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 2023-07-17
Company: Dynamic Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was in the process of purchasing my first home and an inquiry was made on my credit score on XX/XX/XXXX. On the credit report there was a debt in the amount of {$850.00} for XXXX XXXX that I received at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX XXXX, Louisiana on XX/XX/XXXX. I never received a bill for the hospital visit on this date and the debt went to two collection agencies. The first collection agency was the XXXX XXXX XXXX  which closed the account on XX/XX/XXXX, and sold it to Dynamic Recovery Solutions. I contacted the hospital 's billing department and spoke to a representative to get the matter resolved. According to the representative that I spoke to, who specifically stated that I did not owe the debt and that it was invalid due to a billing error. I received documentation in the mail from the hospital proving that I did not owe the debt and I sent it to both collection agencies. The collection agency ( Dynamic Recovery Solutions ) that currently holds the debt, refused to discharge it despite the evidence. I filed a dispute of the debt on XX/XX/XXXX. A representative from the collection agency told me that the dispute would be concluded within 60 days. The deadline has passed, and the account is still in dispute with no specific date when it will conclude.

Company response to consumer: Closed with explanation