BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Account has been closed by the bank, but they will not release my funds. Bank has also placed my funds as pending withdrawal for 7 days and counting, therefore I am not accruing interest either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I received an email from XXXX XXXX saying I had an outstanding bill of {$89.00}. However, when I logged in their customer portal to view my account and multiple policies there was nothing due. I did not click on the link in the email due to phishing concerns. 

I received a 2nd email on XX/XX/XXXX and once again could not find a bill due in the customer portal. I also did not receive a voicemail or mailed statement. Recently I found this had been reported on my credit report as a late payment. I immediately call XXXX XXXX and determined the following : - they did turn it over to a credit agency- they mailed statements to an address of over 3 years ago, when they have all my correct and current addresses ( I have multiple houses and policies with them ). 
- The issue occurred because I sold my 2nd home in AL and transferred my auto insurance back to GA. When they canceled the AL policy there was a balance due, which they did not mention on the phone call otherwise I I would hav paid it immediately. 
- XXXX XXXX has all my credit card information on file so I don't know why they didn't charge it then. 
- When I spoke to the agent, she explained the bill NEVER showed up in their billing portal, because once a policy is cancelled it no longer shows up there! Not sure how that is my fault... immediately paid the {$89.00} on the call using my credit card they have on file. 
-It also turns out she found another small bill hanging out there in " no man 's land '' related to the home owner policy. I had received no notices about that and it was about to go to collections. 
- I spend over {$10000.00} a year with XXXX XXXX and they now claim there is nothing they can to do remove this from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: WELLS FARGO & COMPANY
State: SC
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: Investigation took more than 30 days

Complaint:
Wells Fargo breached duty of care. XX/XX/2019 RE : Investigation - Delete Credit Inquires and Negative and Late Reporting To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor did not have a permissible purpose, and /or was able to verify my complete file information including full name, address, date of birth and SSN #. INCORRECT ACCOUNT INFORMATION ; PER Wells Fargo MGMT The accounts below are reporting incorrectly. investigate and correct : 1. { WELLS FARGO } { ac # XXXX } { Remove negative and late reporting information from all records from Wells Fargo HELOC account, according to proof } I am demanding immediate correction, after which I authorize you to mail me my updated credit reports along with the investigation results, and removal of " Foreclosure Listing '' on the internet. Also, Wells Fargo is reporting an account that I have NO KNOWLEDGE OF, account number XXXX XXXX account reference, XXXX XXXX -Inaccurate Account Number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
Regarding Mr.Cooper home loan XXXX Since a XXXX XXXX, 2023 email from Mr. Cooper was sent to ( all? ) clients, telling of a complete company shutdown, I attempted to contact Mr. Cooper to receive a payoff letter. 

For weeks there was no ability to contact MrCooper, not phone, nor writing, nor internet. I was not able to find current contact/correspondence information and my most recent information from them was years old. Finally, on XX/XX/2023 I was able to gain access to corporate telephone numbers and MrCooper 's website. 

On XXXX XXXX, 2023 I utilized their company website to request a payoff amount letter. Their website claimed 4-6 days processing to deliver a letter to me via their website. Non have arrived as of XXXX XXXX. 

I spent several hours attempting to call the customer service agent " assigned '' to me, to be disconnected in the voice prompting jungle each time. I did make contact with two agents on subsequent days, with me having over a one hour conversation with the second agent. The conversations yielding much different and conflicting information as to the payoff request process and the turn-around time required. 4 days? 6 days? Web? Email? process of notice to me that the letter was available, etc .... all conflicts with what the Website stated. 

Mr. Cooper has a public foreclosure sale scheduled for XX/XX/XXXX. It is impossible to payoff a loan when the mortgage company will not provide the legally required information IN THE MANDATED timeframe. ( Federally mandated max. of 6 days? )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried to log into XXXX XXXX to see all three fico scores and they told me XXXX HAS INCORRECT ADDRESS INFO. I try to log into XXXX giving my current address and XXXX says I can not log in due to incorrect address. XXXX has my correct address. Both XXXX and many other online credit services are telling me there is an address problem. So I created a new account with XXXX was able to get in but the screen to dispute is frozen. I have been trying for 3 days. Also my credit reports have two different middle initials for me and the correct initial is XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

LANDLORD USES FRADULENT TACTICS TO COLLECT RENT TWICE ON SAME UNIT, ILLIGALLY SEND FOR COLLECTION, AS SHOW IN MY CREDIT REPORT : FAIR COLLECTIONS & OUT - XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 
A collection of {$6600.00} placed on XX/XX/XXXX on XXXX, for XXXX XXXX was recoded in my credit. That day the unit had already been rented for the second time. 

The result, credit score dropped from XXXX to XXXX XXXX Score on XX/XX/XXXX. I do need to have my good credit corrected, this action is fradulent. 

More Details : I signed a lease agreement in XXXX, XXXX months in advance per agent " promotion '', however, my lease would start only in XXXX. In this case never happened. 
XXXX, I requested a cancelation of my agreement, I was denied. I notified XXXX XXXX XXXX XXXX, by XXXX and email, both. 
XXXX, I asked the agent if the unit could be shown to someone interested, i was quickly dismissed. The agent didn't not want to show the unit, I later found out it was already rented. 
HELP! HELP! HELP!

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 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
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, Account : XXXX from XXXX XXXX XXXX has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

15 U.S.C 1692b acquisition of location information by debt collectors.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The law states that inquired made for a car or home loan within a certain amt of dares only count as 1 inquiry. I applied for a car loan at XXXX 's XXXX XXXX XXXX XXXX  XXXX. They then sent it out to over 15 loan companies. All should have been counted as 1. Same with a home loan applications I applied for in XXXX XXXX XXXXXXXX. They say I have 28 inquired and I was recently denied loa n my and this was part of the reason. They dldo fail to report medical bills as medical. There is a collection acct assigned to credit services for XXXX XXXX. And it is no ok to marked nedical. I gave fou go t with takl 3 cc agencies since XXXX and am tired of refusals to issue credit because of there games and breaches. I am requesting your assistance to look into my credit reports and make them follow the law as I am tired of reminding them what the law is.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
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, Account : XXXX from XXXX XXXX XXXX, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

15 U.S.C 1692b acquisition of location information by debt collectors.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Account number : XXXX Account name : 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 XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX 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 XXXX Account name : XXXX XXXX Account number XXXX 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 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 2023-10-20
Company: Experian Information Solutions 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:
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 or get rid of 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

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was getting approved for an auto loan and then I got hit with a bunch of hard inquiries including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, and an XXXX XXXX XXXX XXXX # XXXX on my XXXX and trans union XXXX XXXX XXXX XXXX XXXX on my trans union.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 disputed the account XXXX XXXX XXXX ( XXXX ). They are reporting incorrect information as my car was purchased with Gap insurance. They are reporting incorrect amount. Please send proof of total amount owed after Gap insurance or delete account. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable 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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-12-22
Company: Experian Information Solutions 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:
Please accept this message because its really important for me. Please remove these accounts because its a totally wrong information- its identity theft. I do not know these accounts and how they appear in my credit report. I do not recognize them and I have never signed any contracts and agreements. The accounts are definitely not mine. Please remove them from my credit report its very important for me. I do not know these items ended up in my report.

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 2022-10-05
Company: Affirm Holdings, Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted XXXX regarding a XXXX debt from the company affirm. I noticed this debt when checking my credit report. I informed XXXX I was never associated with this company and this was identity theft. I proceeded to dispute this debt with XXXX and also called Affirm to get details on the debt. I provided XXXX and Affirm with a FTC identity theft and a police report. I was told by a representative from Affirm that the account was under investigation. On XX/XX/2022 I received notification from XXXX that my dispute had been resolved and the Affirm debt would remain on my credit report. I was told to contact affirm again regarding this matter. I contacted affirm and I was told this account should have been removed from my credit report. XXXX keeps reporting inaccurate information and refuses to rectify my issue. I was told that experian has not received any mail from me which I will attach to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have an account that attached to my mutual account. I asked the rep to transfer my funds in the mutual account. She was rude, also asked for my SS after I used my debit card to verify my account. She asked me sign a paper saying my full account number was the correct acct. But I sign in with my debit card, therefore no other information was required. I also would like to verify the deposit of direct payments from department of Treasury. 

I would like to verify the deposit information. I believe someone have try to obtain my account with fraudulent information. I have a fraudulent freeze on every credit check bureau, so protects me from fraud account being opened or information retained. Therefore, any checks should follow the bureau guidelines. No account or credit should be shared. 

I never received my refund of fees

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 2022-04-08
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was included in a forbearance program through the Cares Act in XX/XX/XXXX-XX/XX/XXXX. I was told to submit documents for loss mitigation and additional payment options. Documents were emailed from XX/XX/XXXX-XX/XX/XXXX I contacted the servicer XXXX on multiple occasions to follow up and left messages for a call back from supervisors due to duplicate requests for docs to be sent. In XX/XX/XXXX I received an email stating that my application was being closed due to lack of supporting docs being received. I immediately contacted the lender ( XX/XX/XXXX ) for support. XXXX had the same difficulty in making contact with their servicer. Eventually, they located a supervisor who was able to review the documentation and verified that the package was in fact complete. It was then forwarded for review for a workout option. Two weeks later it was determined that there were NO OPTIONS for me.

Company response to consumer: Closed with explanation