BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I am writing to you to request assistance in resolving a mortgage issue that has been ongoing and unresolved over a period of months.

I pay my mortgage ( auto-draft ) to Caliber twice monthly in two equal payments. 
These funds are used for the following month 's payment. I paid my mortgage one month in advance prior to starting the twice-monthly payments so that the two payments made in the prior month would be applied to the following month. 
When I inquired about making extra principal payments, I was told via a phone call ( customer service ) that all payments made in addition to my scheduled payments would automatically be applied to principal. 
The extra principal payments were not being applied to principal as I was told they would be. 
Later I noticed that I was being charged a late fee for each month. I was told the extra principal payments somehow confused the computer program? What does that mean? 
Upon calling Caliber, the customer service representative insisted that I was delinquent in my mortgage payments. I was not/have never been. 
I have called Caliber a number of times since then and was told that, because the extra payments were not marked as principal, they were not applied to it ( contrary to my previous conversation with Caliber ). 
On another call, I was assured by XXXX XXXX escalation department ) that I was not delinquent and this would be resolved and to call back. It was not. I called again and was told a message would be forwarded to him. 
In an effort to prevent confusion, I stopped my extra principal payments with my bank ( XXXX ) but have continued to make scheduled payments. 
I am still getting late fees applied to my mortgage... I am not late. 
I am attaching my payment history that indicates my payment, late charges and principal payments. 
Can you assist? I have not had a resolution since I started calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: RentDebt Automated Collections, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a resident of XXXX XXXX  from XX/XX/XXXX until XX/XX/XXXX. When I moved out I sent the paperwork needed as well as turn in my keys. XX/XX/XXXX I received a notification on my credit that I owe {$4800.00} to RENTDEBT AUTOMATED COLLECTIONS for XXXX XXXX. I contacted the original creditors which was XXXX and it took almost a year for the information to be corrected. I have disputed the original information and uploaded new information and this item still remains on my credit report. I would like this removed immediately because the information is incorrect and there is no way that it was validated accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Ygrene Energy Fund Inc.
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company that provided service did not finish and what they did was not followed according to trademark product to make it a solar product. I dont know if they even used it to be honest, so created a bigger expense for me-so lt failed! I also did not know that there would be a lien on my house. I tried and tried to resolve with company that did job, but they kept giving me the run around. I called ygrene to let them know situation and they said they cant help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/ Balance {$7900.00} and DPT ED/XXXX XXXX Date opened XX/XX/ Balance {$2300.00}.

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 2022-12-19
Company: Experian Information Solutions Inc.
State: TX
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:
Majority of the information on my report is incorrect. There are collection accounts I dont know about, wrong address information, and also my score is incorrect.

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 2020-12-29
Company: Nicholas Financial Inc.
State: WI
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:
In XXXX XXXX and XX/XX/2020 I have submitted disputes with the XXXX  credit reporting bureau regarding inaccurate and false information listed on my credit report. One of the accounts that I disputed had late payments that were not late I've requested this information to be updated from both the creditor and the credit reporting bureau. They continually say that they have investigated the item and have opened and closed the case within hours. Typically an investigation takes up to 30 days. They have not investigated or verified any information to be accurate because if they did they would have updated it to show that the payment history is never late. Additionally there is an account that does not belong to me that has appeared on my credit report as opened in XX/XX/2020. I do not have an account with this company I do not have any obligation to this company and this information is being reported falsely. This is not my account and I want it deleted. XXXX  refuses to verify the accuracy of this information and have told me that they are under no obligation to prove that this account is indeed mine. They simply say they report whatever the creditor tells them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is showing 1 past due payment amount forXX/XX/2018. Payment was not late from me but was posted late from mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
See attached PDF. Settle this matter properly and remove the accounts of all 3 reports or I will seek litigation. This is my final attempt for them to correct their facts. Remove the accounts!

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 2021-05-04
Company: JPMORGAN CHASE & CO.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
First contact with XXXX XXXX XXXX ( XXXX ) in XXXX for moving from XXXX, XXXX  to XXXX XXXX . I agreed the contract Job # XXXX for XXXX on phone. 
The agent from the company Mr. XXXX XXXX asked me my checking account at CHASE bank and charged ( Check No XXXX ) {$600.00}. As per the contract, they moved and I paid the {$600.00} by cash to driver onXX/XX/XXXX during pick-up and rest paid to driver on deliverXX/XX/XXXX After 2-3 weeks, I noticed that the moving company charged an extra {$600.00} to my checking account without my authorization ( check No XXXX ). 

I contacted the XXXX  XXXX XXXX company in XXXX for returning this extra charge. They told, they will return me but have to wait for 30 days as they want to make sure I am not canceling the check. 

I contacted Mr. XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX XXXX XXXX. and he told me he has forwarded this for approval. I never received the check. 

Finally, he replied to me on XX/XX/XXXX by email, saying he forwarded my check to Mr. XXXX, who is the CEO of this company to sign the check. 

I have not received the check. No reply from Mr. XXXX to my subsequent emails or voice messages. 

I contacted Chase Bank in XXXX and talked to Fraud division, they told me since it has been 50 days, they can not do any thing, my claim rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX company has reported false information on my credit report that doesnt belong to me I never started here or know anything about this place by law its is against the consumer Report law to report false information on people credit 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 2023-10-19
Company: EQUIFAX, INC.
State: SC
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 to with the Fair Credit Reporting act XX/XX/XXXX account name 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
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: Reporting company used your report improperly

Complaint:
XXXX XXXX  # XXXX {$290.00} XX/XX/2019 THE FOLLOWING ACCOUNT IS REPORTING INACCURATE TO MY CREDIT 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 non-monetary relief
Consumer complaint received 2019-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Company : BANK OF AMERICA I made the same deposit I have been making since XXXX. A money order for {$300.00} deposited into my checking on XX/XX/XXXX. The bank has not held any of them previously. The only difference is where I made the deposit this time. All previous times it was made in my suburban residential area. This time I was in an area with a higher minority population not thinking this would effect my banking I made my usual deposit in that area. Now there is an extended hold. I have proof of purchase of the postal money order and the bank is saying they will not release the hold. My account has never bounced a check let alone deposited fraud ever in my life let alone the 15 years Ive been with Bank Of America. The judge instructed the defendant to pay her judgement to me using money order or official check to avoid this as my funds are due in a timely manner each month. I would like the file a formal red lining complaint as the only difference in this deposit was the location it was made which has a higher minority demographic than the previous locations where the deposits were made. 
When I called customer service I was told To take the proof of purchase to the banking center when they opened. When I called the banking center they are telling me there is nothing they can do. I keep getting the run around. 
I also plan to file a lawsuit to end this red Lining the banks have historically gotten away with that disproportionately effects people of 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 2023-04-10
Company: Experian Information Solutions 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'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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 non-monetary relief
Consumer complaint received 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/XXXX I initially sent a written request to Transunion letting them know that under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. I advised them to not respond to my request by saying that these accounts have been verified. I asked them to send me copies of the documents that they have in their files that were used to verify them. Also, If they did not have any documentation in their files to verify the accuracy of these disputed accounts to delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties They are damaging my reputation and credit worthiness. They accounts in this dispute are. 
1.XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX   4.XXXX XXXX DBA XXXX XXXX XXXX I never received a response. On XX/XX/XXXX I sent them a personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, is immediately and completely REMOVED from my file. 
It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information. 

On XX/XX/XXXX I received a response from XXXX stating that the following accounts could not be verified and they were immediately removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE DBA XXXX XXXX XXXX Per the PROCEDURES and laws stated in 15 U.S.C. 1681i and  its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT. 
I never received a response yet again. On XX/XX/XXXX, I sent another request to have them follow suit and delete the accounts from my credit report since they have not provided me any documentation of how they verified that these accounts are mine. I have yet to receive a response. They have violated my rights as a consumer. I will be filing a legal complaint if this is not resolved.

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 2023-07-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX ( Original XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX  XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
This letter was sent on XX/XX/XXXX. I reached out to the bank again to get a response but to no avail. 

Via FAX : ( XXXX ) XXXX XX/XX/XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX Re : Interest Payment for Foreclosure Charge To Whom It May Concern : I am in receipt of Wells Fargos Cashiers Check in the amount of {$1000.00} representing the refund related to the foreclosure process that never took place on my property-. Please see attach. 
The letter states that the check includes {$940.00} for the expenses that I should not have been charged. It also states that the bank compensated me for the time when I did not have the funds of {$70.00}. I sold the house in XXXX. The foreclosure fee earned interest for 8 years ( 96 months ). I had an 8 % interest rate on my property. What was the rate of interest on {$940.00}? And when can I expect the check that represents the interest accumulated for over a 8-year ( 96 months ) period? 
Lastly, I appreciate the {$70.00} compensation, but I know that financial institutions do not compensate anyone for anything, therefore I look forward to receiving the cashiers check from you regarding the amount for the full 8 year ( 96 month ) period representing interest earned. 
Thank you for your time and consideration in this matter. 
Sincerely,

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