BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Mortgage XXXX. XXXX XXXX XXXX XXXX. IA XXXX Subject : Request for specific documents Loan re : XXXX or XXXX Attention : Administration and all inclusive parties involved It recently came to my factual attention that you have a confidential internal data base including relevant information pertaining to the loan and activities evolving during the currency from the origination of the loan until the day you sold the loan at a significant discount to XXXX on or about XX/XX/XXXX. I am requesting all hidden and existing documents with my name on it and in reliance to my person. 

Further it as also came to my attention that the l Loss Prevention Line of Business Referrals unfairly shifted losses caused by fraud to Wells Fargos own customers, many of whom had been victims of identity theft and unauthorized transactions. 


Well Fargos illegal failure to properly investigate reports of fraud and Wells Fargos illegal behavior in wrongfully closing customer accounts. Wells Fargos behavior violated various regulations and laws, including ORS 646.607, ORS 646.608, the Consumer Financial Protection Act, the Dodd-Frank Act, and 15 U.S.C. 45, which prohibits unfair or deceptive acts or practices. 
Please be advised that I have also been a victim of Identity Theft reference year was XX/XX/XXXX. 

Sincerely : 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 2022-12-12
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: Their investigation did not fix an error on your report

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

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 XXXXXXXX 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 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 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from 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 2020-02-09
Company: Ocwen Financial Corporation
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: Information belongs to someone else

Complaint:
phh voiolations : race or color. national origin. religion. sex. marital status. age. * applicant 's receipt of income from a public assistance program. applicant 's exercise, in good faith, of any right under the Consumer Credit Protection Act. 
please remove the unlawful lates. 

XXXX  : XXXX Is Facing a {$100.00} XXXX Lawsuit Over Its Service Plan. ... The state isn't suing XXXX for bad customer service per se, but for the sorts of misleading claims and practices that have given XXXX such a poor public image. ( XXXX XXXX Exchange programs ; filing of information and other materials ; filing fees ; unlawful acts in connection with an exchange program. 

XXXX Provisions requiring purchase or lease of timeshare property by owners ' association or purchasers ; validity. 
XXXX  XXXX 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 2023-05-30
Company: SinglePoint GI
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A student loan through the XXXX XXXX XXXX XXXX Loan Type Acceleration Date Payoff XXXX Assigned Collection Agency Agency Phone Number XXXX XX/XX/2023 {$5200.00} General Revenue Corp ( GRC ) XXXX Total Payoff Due {$5200.00} Is a federal student loan. 

I have told them not to call me anymore so they have called my brother without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Unifin Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received spam text message from Unfin! welcoming me. XXXX  their phone number and came up as a company that collects student loans and medical debt. This was the first communication I received ; nothing was received by XXXX not was a given a notice with my right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear Consumer Financial Protection, I had made a complaint prior to you about XXXX  XXXX XXXX. They encouraged me every three months to do a forbearance when I lost my job because of Covid. XXXX reassured me I would not lose my home. I trusted them and I did. After the forbearance period was over, I went through months of sending paperwork over and over and them asking for the same paperwork that I sent over and over. I was getting phone calls saying I was going into foreclosure because I did not qualify for any of their programs and could not get an answer why? After they received complaints from your company they sold my loan to Carrington mortgage. I was contacted from Carrington mortgage stating my loan had been bought out by XXXX XXXX XXXX. I never received any notices from XXXX  XXXX XXXX stating they sold my loan. When they sold my loan my credit score went down XXXX points and they reported that I was late while I was in the loan modification. I have worked so hard in my life to build up my credit score it was EXCELLENT now it is fair. I have tried to contact them several times about this issue with no call back.I justed looked at my credit report today XX/XX/XXXX, and now XXXX XXXX  also reported I was 120 Days late?? The loan was bought out XX/XX/XXXX. I was told 3 times when I called to check on the ststus, it will take 30-60 days to update your loan. I still have not receives anything through the mail on by phone. I have been trying to work out this loan since XX/XX/XXXX. 
Thank you nfor you help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: MS
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 hope you are doing well. I am submitting this complaint once again regarding the dispute of the unauthorized inquiries that are currently appearing on my credit report. Despite my previous attempts to have these errors corrected, they continue to negatively impact my credit score and financial standing. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the very right to accurate and up-to-date credit information, and I expect that my rights will be respected. It has come to my attention that there are several fraudulent inquiries listed on my credit report that are in direct violation of the FCRA. I have already made attempts to have these inquiries removed over the past month, but they still remain on my credit file. Once more, I respectfully request the Experian that the following inquiries be immediately removed from my credit report : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  I would like to remind you that under the FCRA, credit bureaus are required to investigate and respond to consumer disputes within 30 days. This delay is unacceptable and has caused me significant financial harm.

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 2023-05-30
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This letter is in reference to a late fee in the amount of {$28.00} that was applied to my account for my XX/XX/2020 statement. I received an email that my payment was late after the payment date and I immediately made the payment. 

I opened the statement today to find out that I was charged {$28.00}. I immediately contacted Capital One and the call was answered by a representative in the XXXX and could not assist me so I asked to be transferred to the US to a representative in XXXX XXXX ID number XXXX and advised her of the situation and due to COVID 19 credit card companies are to work with their customers. She stated that she would not give any credits and COVID did not apply to my situation. She stated that I had a late fee seven months ago. I advised her that it was due to that Capital One took over Walmart credit card which I had set up on bill pay with XXXX  XXXX XXXX. To this date I am still not able to this account to bill pay with XXXX  XXXX XXXX. She stated that I should be set up on alerts and I advised that I did get the alert that was telling me that my payment was not made. All of other credit card companies send out reminders a week to three days in advance. I asked for her manager and she advised that there is no one over her to speak too. 

This is poor customer service not to be able to speak to someone hire than the person you are speaking to on the phone. She did not even give the option to send a letter. I had to XXXX Capital one complaints to find this address. 

I then called back again and spoke to XXXX Id number XXXX and she stated the same information as she is reading from a script. As a Manager she should have been willing to assist me and not aggravate me. 

With everything going on in the World with COVID 19 credit cards are pro-actively sending communication to assist their customer during these difficult times. 

My spouse and I have several accounts with Capital One and would not recommend to my family or friends to open an account with Capital One. 

I am also going to file a complaint with The Consumer Financial Protection Bureau for further attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10
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: Was not notified of investigation status or results

Complaint:
Applied for a higher line of credit was denied due to a report from transunion, enclosed please find letter from bank and copy of XXXX from XXXX XXXX..XXXX  XXXX, XXXX XXXX and yet transunion XXXX, XXXX points were taken off with no expanation.I have never had a late payment with a 94,000 credit limit.Transunion has been doing this to me for months.compared transunion and XXXX credit reports identical nothing different on any account.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: TX
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 accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  {$640.00} XXXX XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 2022-05-16
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We requested an appraisal of our home to potentially remove the Private Mortgage Insurance requirement since we believe our home value is below 80 %. We paid US Bank {$450.00} for the appraisal. While the appraiser was in our home they asked what the appraisal was for which we responding the removal of PMI. The appraiser then asked if what we needed the appraisal to come in at, we responded with at least {$430000.00}. We felt a little uncomfortable by that question, but waited until we got the results from the appraisal. We received the appraisal back on XXXX which showed a home value at {$420000.00}. {$420000.00} was the same value as a smaller home that had been sold on our same street many months prior to the appraisal ( homes in our area have continued to increase in value ). We called that day and US Bank said we needed to wait for a letter back. We received the first letter Dated XX/XX/XXXX notifying us that the LTV requirement wasn't met and we could file a reconsideration of value request and send it back. We filled out the included forms and wrote a letter back ( attached as Appraisal ) and place in the mail on XX/XX/XXXX. We hadn't heard anything back, so we called back at the end of XXXX. The rep told us they were still reviewing it, but that we could also email them. We then called back a week later and the rep said we didn't respond in time. When we emailed the letter it had been 63 days since the date of the appraisal and needed to be within 60 days. After speaking with a senior representative they were able to find the original letter which they received on XX/XX/XXXX. The senior rep said they would reopen the reconsideration of value. Since that conversation, I received a letter dated XXXX that stated I didn't respond in time and a second letter date XX/XX/XXXX which was the same as the original reconsideration of value letter dated XX/XX/XXXX. I called US Bank and the first representative stated that my request was denied. I then spoke to a second senior rep who said they had mislabeled my original letter and they would be reopening and reconsidering the request.

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 2023-05-30
Company: Possible Financial Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I have not applied for loan. Everything that is reported is inaccurate from dates to account number In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on the refit report. This grounds for removal they also violated my rights under 15 US C 1681 section 602 states I have the right to privacy. 

15 U.S.C 1641 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my writer instructions. 

Also the Credit bureaus took more than 30 days to complete.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance with quicken loans and was denied because of to much debt. I sent them many different documents explaining that the loans that they were referencing were paid by my business and not me personally but they continue to deny me. I ask that it be looked at and my original contact XXXX XXXX said he would look further into it and get back to me. I never received any notice in the mail or a call back from XXXX. I just tried to login and I was shut out of the portal. Still havent received a clear explanation because I provided everything then asked for multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ARS has agreed to wipe away all debt from my credit report to all three reporting agencies... XXXX has done that, but XXXX and XXXX have not... 
XXXX deleted one of the debts, but 2 still have not been deleted. 

I have a letter that states this would be done.. 

Please contact XXXX and XXXX to have all of the debts 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 2023-03-22
Company: Experian Information Solutions 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:
On XX/XX/2023 Experian, XXXX and XXXX reported and unauthorized inquiry on my credit report, ( XXXX XXXX ). 

According to : 15 USC 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. witch they did not do.

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 2023-05-30
Company: CITIBANK, N.A.
State: SC
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:
There are multiple hard inquiries reported on my credit report. On my XXXX credit report, one from XXXX on XXXX and also from XXXX on XXXX. On my XXXX credit report, there is a hard inquiry from CitiBank N A, on XX/XX/. I do not recognize any of these. I called the companies on my XXXX report to request a deletion letter on XX/XX/. I called the company on my XXXX report on XX/XX/ to request a deletion letter. They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.

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