BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This Home Equity Loan was originated XX/XX/XXXX with XXXX XXXX XXXX which was acquired by Wells Fargo in XX/XX/XXXX. It is a twenty year loan with a fixed rate of 6.79 %. The monthly payments are contracted to be in the amount of {$770.00} per month. There is no prepayment penalty. After the transition to Wells Fargo, I noticed that the monthly payment statements reflected a lower ( and always changing ) Total Amount Due. I also noticed that the addition amount that I was paying, was not being applied toward the principal. On the statement, the addition amount paid is listed as " unapplied ''. Also, the amount due on the monthly statement, does not reflect what the bank representatives have on their computer data base, making the payment process extremely difficult, as well as financially detrimental to the borrower. For example, one month the amount due on the ( mailed ) Payment Statement, was a lesser amount than what was on Wells Fargo 's computer data base. The bank representative informed me that if I had paid the total amount due on the Payment Statement, the account would be deemed delinquent. I have contacted Branch Managers as well as Wells Fargo Headquarters requesting a audit of my account, as well as a payment history, to ensure that all additional payments have been applied to the principal. I received " screen shots '', none in order by date. After multiple requests for an audit, they refuse. It appears that the additional amounts paid have been " rolled over '' each month and not applied to the principal. I took the " screen shots '' to a XXXX  XXXX XXXX, who reported to me that there were many discrepancies, and advised that I should file a complaint.

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 2015-12-05
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We continue to receive calls from a 2010 alleged debt from XXXX for XXXX. We received a refund check from direct tv when our account was closed. We have received calls from several different collection agencies regarding this same issue. We have asked for substantiating documentation and have not received it from any of the calls that we have received. I have told each of them that this is harassment until they can provide documentation for their claim ... we are at out wits end with what to do ... We have excellent credit an pay what we owe ... We do NOT owe this and I am not paying but I cant seem to get the calls to stop ... currently the company calling us is IC System XXXX. XXXX XXXX XXXX XXXX MN XXXX phone XXXX claim no XXXX PLEASE HELP!! How can I file a harassment claim against this co who prob purchased what XXXX XXXX could not provide documentation for at pennies on the dollar and continue to sell it to other collection agencies that continue to harass us ... Any assistance would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, 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:
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. ( IVE SENT OUT LETTERS TO ALL XXXX CREDIT BUREAU SINCE XX/XX/2022 AND STILL HAVEN'T RECEIVED ANY PROOF SUCH AS CONTRACTS OR AGREEMENTS WITH MY SIGNATURES PROOF OF IDENTITY AND ALL INFORMATION THAT SHOWS ACCOUNTS ARE BEING REPORTED 100 % ACCURATELY!!! PLEASE REMOVE ALL INACCURATE ACCOUNTS BELOW IMMEDIATELY OFF OF MY CREDIT REPORT! ) Dear Credit Bureaus Accounts Disputed Listed Below : XXXXXXXX XXXX XXXX Account number XXXX 
XXXX. XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! Thank you, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2021-06-17
Company: Fay Servicing, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took over the mortgage on my mother 's house in XXXX. The mortgage was with XXXX XXXX at that time. They were supposed to turn the mortgage over to me, however they drug out the procedure for NINE months, then sent me a registered letter telling me that I could not have the mortgage because they were turning it over to another company. It was turned over to Fay Servicing. XXXX XXXX told me there would be no changes in the mortgage, I would still pay {$520.00} a month. That did not happen. Fay Servicing tried to raise my payments by almost {$200.00} a month. I told them there was no way I could pay that, so they changed the amount to {$590.00} a month. Recently however my payments are now {$710.00}. I know the intrest rate can change on a mortgage, but they raised the principle of the mortgage. When the mortgage was turned over to them it was around {$66000.00} in XXXX. It was originally {$83.00}, XXXX in XXXX when my mother refinanced the house. Fay Servicing raised the principle to {$72.00}, XXXX. I HAVE NOT refinanced my house. I know interest rates can vary, but I do not think the principle can be raised ( I know the difference between interest and mortgage ). Every single review I have read about Fay Servicing is negative. I did not choose that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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:
I write to dispute the status of my XXXX XXXX XXXX XXXX XXXX credit card account which has been Closed BY Consumer requiring instantaneous and prompt mid cycle reporting as Closed By Consumer using the Metro 2 protocols for reporting Closed accounts. Since the account is inaccurately reported as OPEN, kindly investigate so that the account may be accurately reported as Closed By Consumer to avoid willful violations of the FCRA carrying {$1000.00} in statutory damages. Please send me an updated credit report by XXXX upon completion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent investigation and dispute letters on the following dates : XXXX XXXX XXXX XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The bankruptcy reporting on my credit profile does not belong to me and needs to be removed. It has not been verified for accuracy and validity and I've obtained a letter from the court indicating that they do not provide documentation to the credit bureaus. Transunion is the ONLY company reporting this inaccurate information. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2020-12-14
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I have had a lot of problems with Loan Care / XXXX XXXX XXXX. I have tried calling them, sending letters and emails - however they do not work. 
LoanCare has lied to us in XX/XX/XXXX about paying our home insurance and tried taking almost {$2000.00} of our escrow money. Once I contacted the CFPB, you stepped in and helped. 

I've already reached out to you last month because our escrow account was getting deleted again without explanation. Loan Care has claimed they paid our home insurance on XX/XX/XXXX and took the funds out of our escrow account. However, they are not being honest. I received this email from LoanCare on XX/XX/XXXX : Your loan number is XXXX.

The following disbursement was made out of your escrow account on the above referenced loan : Disbursement Date : XX/XX/XXXX Disbursement Amount : ( {$480.00} ) Disbursement Description : Hazard / Homeowner Insurance Please go to XXXX for further detail, or submit any inquiries via the Contact Us page. To unsubscribe from this email, please go to the Update Notifications page under the My Profile menu of the website, or email XXXX to be removed. 

If you have any questions about your account or need assistance, please email us at XXXX. 

NMLS # XXXX *****So I emailed XXXX saying this : XX/XX/XXXX You had sent me this email on XX/XX/XXXX : Your loan number is XXXX. 

The following disbursement was made out of your escrow account on the above referenced loan : Disbursement Date : XX/XX/XXXX Disbursement Amount : ( {$480.00} ) Disbursement Description : Hazard / Homeowner Insurance NMLS # XXXX However, I have been in contact with our home insurance provider since XXXX and asked them to notify me when they get paid. I received this email today - they did NOT receive payment. ( last year we were lied to 3 times about paying our home insurance ) Not only did we receive this email but a letter came from XXXX XXXX. saying they did not receive payment. PLEASE PAY THEM TODAY. Here is the email I received : Hello, Your policy renews on XX/XX/XXXX. It may be early, however, I am following up with you. 

Please call the mortgage company to verify they are sending payment for the policy. 

Thank you for your business and have a great day! 

XXXX XXXX Multi-product Agent Associate XXXX XXXX XXXX Fax : XXXX XXXX ONCE I EMAILED XXXX THIS IS WHAT WAS SENT BACK TO ME : Thank you for contacting us! 

This email address is no longer being monitored. 

If you are a customer, please log into our website and submit your request using the self-service options. ( WHICH ALSO DO NOT WORK!!!!! ) *****Their emails do not work, there is no area on their website to get help and they hang up when you call. It is set up so you can not resolve issues. PLEASE PLEASE PLEASE shut them down. HORRIBLE mortgage crooks.

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 2015-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid off my debt 100 % almost a year ago, yet the same account that I paid off in full, remains on my credit report. I have called the debtor & spoke with several different representatives regarding this matter/situation. I have been working on clearing/paying off all of my debts. This is the only XXXX that has been left on my report even though it has been paid in full. The debtor, XXXX XXXX XXXX, WI, seem to not know why it remains on my report or even how to have it removed. I have asked them several times to report that it has been paid in full, but it 's not working for whatever reason. but, they did send me a confirmation letter stating that the account has been paid in full & that there is a 0 balance. How do I go about clearing this up, free of charge, as quickly as possible?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I had obtained a payday loan and had problems getting it paid back. I hired the services of a company to help me resolve the debt which they are still working on. Today, XX/XX/21, there were numerous calls made to my employer from what was referred to as a company called XXXX. They first spoke with my immediate supervisor and then called again to speak to my general manager. They had called and left a voice mail on my work phone as well saying that they were trying to serve me papers but they would not identify what type of papers. After trying to call them several times without an answer I finally reached a man named XXXX who told me that the account had {$1000.00} owed on it and I was being sued for it. He identified me by an address I no longer live at and I did not enlighten him that I did not live there any longer. If he had my address then his story about being unable to find me to serve me papers did not make sense. When I told him that his story did not make sense because I had hired an agency to help me and I was under contract with them and would not break that contract to do what he was wanting and set up payments to him, he told me that it was ok and that they would go ahead and file the paperwork to have me arrested and prosecuted. I told him to do whatever he thought he had to do and I would as well. Thus I am filing this complaint. I know it is against the law for my employer to be contacted and this is not the first time I have gotten scam calls recently. This call was made from the number XXXX. I hope you can help me with this. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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: Information belongs to someone else

Complaint:
The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following items from my file : XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XX/XX/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 2022-12-16
Company: Experian Information Solutions Inc.
State: IL
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 fraudulent accounts open on my credit report. I've filed a ftc report and the accounts are still on my credit profile. the following accounts are XXXX XXXX XXXX from XXXX, the other is XXXX XXXX XXXX  from XX/XX/XXXX, and the other account is fnbo from XXXX XXXX these accounts are fraudulent and need to be removed immediately. 
I also have inquiries that are fraudulent as well. please remove them they are listed below with my ftc 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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Upon CFPB complaint completion on XX/XX/2022, Creditor and Consumer agreed to delete account. Dispute was opened with TransUnion to delete account and pertinent documents were uploaded for validation. XXXX deleted account, TransUnion DID NOT delete account and closed the dispute. I called multiple times and they just want to open another dispute, which is ridiculous! This is a USC 1681i - Procedure in case of disputed accuracy AND 15 USC 1681i ( 5 ) ( A ) ( i ). 15 USC 1681 states that I have a right to privacy. 




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 non-monetary relief
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: IL
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:
Pursuant to 15 usc 1681b ( a ) Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 usc 1681b ( a ) ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. The court does not disclose information with the bureaus. Pursuant to 15 usc 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. I never gave anyone the right to put this account on my credit report. According to 15 usc 1681 consumer reports can NOT include any factual information. I am demanding that you delete this account from my report immediately as it is a violation of my rights as a federal protected consumer under title 15 usc 1681b.

Company response to consumer: Closed with explanation