BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: EQUIFAX, 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:
XXXX never gave me a chance to settle, cure the debt before reporting to all three major credit bureaus. 
Causing a negative impact to my credit score, dropping score XXXX points I had an exceptional pay history of over eight years never late never missing a payment on all three credit bureaus, Equifax, XXXX XXXX and XXXX. I was never notified that. 
the account was sent to or transferred to collection. Account was paid in. 
full and closed, because I moved, and XXXX services was not in the area for service I had moved from XXXX to XXXX XXXX miles I haven't had time Or reason to check any email Especially from a bill that I assume was paid and closed. I found out through credit reporting product, that I paid for each month alerting me that my credit score has dropped XXXX points. XXXX failed to give written notice of the debt and fell to validate the debt when requested. After filing a dispute with XXXX credit reporting agency, they fell to remove the collection off my credit file, which will stay on my credit for seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: AK
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called Bank of America to lower my Interest Charged. they say no because they do not have any offers. For almost years every month I pay almost XXXX just on Interest Charged. 
Also, I called t credit counseling services, they do not a fair program I want to pay for debt.

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 monetary relief
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-03-09
Company: Ad Astra Recovery Services Inc
State: GU
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I owe a debt to XXXX XXXX. The debt is now with Ad Astra recovery. They took the debt XXXX of XXXX. After two years they attempted to take the funds out of my checking account without any authorization or notification. They took XXXX $ and two other transactions were returned for insufficient funds on XX/XX/XXXX. I am a XXXX veteran who needed this money to make it through the rest of the month of XXXX. I attempted to call Ad Astra recovery to get my money refunded and they said they would not refund it. They have never once tried to contact me. And after 2 yrs of having this debt they attempted to collect it from my checking account. No authorization for this company to collect this debt from my checking account. This was my XXXX from the VA they took from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Account information incorrect

Complaint:
I have reached out to Trans Union LLC via letter twice to remove inaccuate information from my consumer report in which after the first letter they responded with an update in which i will upload. The information in question pertains to the posting of XXXX XXXX XXXX on my consumer report, Trans Union LLC or XXXX XXXX XXXX has yet to provide proof ( contract with my signature ( wet ink ), I never entered into a contract with this company via verbal nor any other, so im asking Trans Union LLC to either provide evidence ( contract with my signature, wet ink or verbal recording with me entering into an agreement with this company ) or remove inaccurate information from my consumer report. If Trans Union LLC does not take appropriate action to address the inaccuracies, I will consider seeking legal action.

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 2022-03-16
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Issue with Nelnet : I an currently three months AHEAD on payments and have submitted several additional PRINCIPAL ONLY payments. The payment slips from Nelnet are written as PRINCIPAL ONLY and PRINCIPAL ONLY is also indicated on the checks. A payment of {$500.00} on XX/XX/XXXX was credited properly as principal only. Payments on XXXX {$500.00}, XX/XX/XXXX - {$1000.00} and XX/XX/XXXX - {$500.00} were credited as partial principal and partial interest. Nelnet was contacted and I was told that all payments are split in this manner. I responded that I made additional payments in order to decrease the time and amount of my loan and was told by federal law I was not permitted to do so. That they calculated my loan to run to its expiration date. When I questioned what would occur if I paid the entire balance, I was told I would still owe all the interest. When I informed them that under both federal and New York State law I could pay principal down in order to decrease the amount of interest and the lenght of my loan I was told that I could not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company always lets our homeowners insurance lapse, we have never been late or faulty with our payments. Our payment includes escrow. This is the second time it has happened. When we call them ( the mortgage co ) they blame the insurance company. When I call the insurance company they blame the mortgage company. Nevertheless here we sit in a house without homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: WELLS FARGO & COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I opened a new account with Wells Fargo on XX/XX/XXXX with a balance transfer request to XXXX of {$7000.00}. I was told the balance transfer would get to XXXX on or before XX/XX/XXXX. Which was perfect as my cycle closed XX/XX/XXXX. I continued to contact WF by chat almost daily and was told the same. As the date was closer, it changed to 10-15 business days from when the funds are released. Then today changed to XX/XX/XXXX ( claiming that is 10- business days since XX/XX/12 ). 

I was a Credit Card XXXX for 25 years so I know how important terms and phrases are so I clarified at each transaction. I made the minimum payment to ensure I did not fall deliquent. I have now incurred interest charges and daily continuing interest due to misinformation provided by Wells Fargo. 

On three occasions, I requested escalation and to speak to a manager. Only on the XXXX request was I told someone from the XXXX XXXX would reach out within an additional 2 days. Wells Fargo has not learned from the errors of their past and continue their deceptive practices. I should not be accountable for these fees after confirmning business vs. calendar days on multiple instances. Then the date changed from XX/XX/XXXX to XX/XX/XXXX. 

My request is to have this balance transfer be processed immediately and be reimbursed for interest accrued on the XXXX card. Had I been given proper information, I could have made changes on my end to ensure I was not accrusing interest. 

I am reporting this as I am certain this is happening to others and others may not be as well versed in banking and credit cards as I am.

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 monetary relief
Consumer complaint received 2023-04-17
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX we received a letter that we did not prove our Wind Insurance policy and that they were going to provide insurance for us and we would have to pay this. Our Insurance agent had been trying to get the payment for our policy. The mortgage company did not pay until it was over 3 months late. So we had to wait for a new policy to start in XXXX. Premiums were finally paid. 
XX/XX/XXXX we get another letter and we call again because this was finally handled. 
XX/XX/XXXX I get an alert that my mortgage payment is late from XXXX. I call because payments are made directly from my account to Loancare. I am told that my payment was not enough and so the payment goes into an account until funds are collected. My payment use to be {$2400.00} and I pay {$2800.00} each month a week before the due date. I speak to multiple people who can see what happened. They charged us for the lapse of coverage XXXX. We did not lapse the mortgage company did. We opened an escalated case # XXXX. We ahd to work with the insurance dept to get this resolved and with customer service to get our credit fixed and the payment. 
XXXX was out case XXXX and she did have our credit fixed and told me she would adjust the late fees as well. This did not happen. XXXX XXXX from the insurance dept has called me back every time he tells me he is and has kept me updated. He left a message on XX/XX/XXXX stating that this will be completed next week and he will call when it is finished. I get a letter in the mail and my credit was dinged again for being late. I have constantly paid the {$2800.00} which I was told to do since no one knows what my payment will actually be. I was told that they had to adjust the difference and fix our escrow in order to know the amount we should be paying. Today I spoke to multiple reps at LoanCare or XXXX and one was the collection department, which I told him I should not be in collections. He transfer me after an hour on the phone to customer service and after another hour going over the account, he is still showing I am a month late or missing a payment. My account has multiple payments then reversals and it makes no sense to me, however I know what has been paid out of my bank account. They told me a payment was returned, not sure why because I pay from my bank. I did have to go in a pay again on XX/XX/XXXX for XXXX. I now am told I cant pay online or over the phone because I am not in good standing for payments. I am also told I am a month in the rears, which is not true. XXXX waiting for someone to return my call again but I do not have much hope since after XXXX hours today no one could help. This company is the worse, I had to file a complaint when we refinanced. I have voicemails and phone conversations recorded showing they were working on this issue and was going to fix it.

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 2019-01-10
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: Public record information inaccurate

Complaint:
my name is XXXX XXXX. XXXX. 
I have no luck resolving my issues with equifax. These are the following issues. 
my address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
Equifax has multiple other addresses on my credit, they are reporting incorrect information which is not lawful under FCRA. I only get U.S Postal mail at the above address. 
There were also multiple accounts on my credit That i was unfamiliar with and had asked for them to remove and they have also failed to do so. 
So I went and got an affidavit and filed a police report as well. 
Under the FCRA section 605B they are suppose to remove everything within 5 business days under the FCRA. They have also failed to comply.

Also Under section 611 of FCRA they were suppose to inform me of name, address and phone number verifying the information which I requested and they have failed to provide as well. 
Equifax is in many violations of the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06
Company: AES/PHEAA
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:
This account is listed late payments 90+ days on XX/XX/2017, XX/XX/2017, and XX/XX/2017. These dates were in forbearances during these months therefore these payments are not late and are current. Please update this information. I have been sending disputes on this matter for months now because this is severely negatively affecting my credit and causing me so much pain moving forward in my life. XXXX XXXX did a great job updating previous late payment disputes I had and I ask that they please do the same. I ask that three credit bureaus XXXX, XXXX, XXXX delete these late payments and update my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-05-02
Company: R & B Corporation of Virginia
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Within the last week a collection was reported to all 3 credit bureaus from debt collection company Credit Control Corporation. The original creditor reported is XXXX communications in the amount of {$100.00}. I have not ever had an account with this company. I have disputed the collection, and both the company and collection agency are claiming the debt is accurate. I have filed a report of identity theft reference number XXXX because this account was created without my knowledge or consent. XXXX should be held responsible for creating an account with stolen information and for reporting it on my credit report. Credit control should be responsible for reporting false and inaccurate information as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
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: Personal information incorrect

Complaint:
On XX/XX/2020 I certified mailed a letter to this credit bureau to update and correct any incorrect names, birthdays, and addresses from my profile. As of this point they have not removed the names or addresses.

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 2023-09-25
Company: ZWICKER & ASSOCIATES
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was taken to court by this company while I was out of the country at the time and was unable to appear in court to respond to the court date. Over the summer, I had unforeseen circumstances and fell behind on the payments that were forced upon me as a result of my not being able to appear in court. This has caused me emotional distress, and I am requesting that the remainder of this debt be removed because the initial judgment was unfair in the first place. Since I didn't have the opportunity to defend myself in the initial judgment, They are engaging in unlawful practices of intimidation and abuse in their collection activities. It is wrong and unjust. There are laws that strictly forbid this type of behavior. They also called last Friday at XXXX XXXX  regarding my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I became ill and my Dr. told me I needed to go on XXXX, so until that application was processed I requested a modification since I was n't able to keep up with mortgage pmts. I was told repeatedly during every phone call dealing with the Home Preservation Specialists at Wells Fargo that a foreclosure could not be filed on my property while in the process of a modification. I received a summons stating a foreclosure had been filed with a date 8 days prior to receiving a voice mail that the modification was completed, but I was being denied. So, now to reinstate my account, I have an additional almost {$2000.00} in fees regarding the foreclosure that I 'm required to pay to reinstate in addition to my back mortgage pmts. I asked my Home Preservation Specialist why I received a summons when I 'd been told that could n't happen and after being put on hold multiple times, she finally apologized for giving me " incorrect information ''. No further explanation was given, no further assistance was offered. I was later told by a housing counselor that they should have also offered me a partial claim loan, which was never offered or discussed. I was told by Wells Fargo that I had 20 days to pay the reinstatement amount in full or be foreclosed on. When I then asked for the total amount including fees that I would need to pay, Wells Fargo said they did n't have a dollar amount to give me, but that in about 3 more business days, they would fax me the amount. These 3 days are counted in the 20 they gave me to pay. So, now there 's only 17 days to pay the full balance.

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 2023-06-19
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: Personal information incorrect

Complaint:
I have contacted this credit bureau numerous times regarding incorrect personal and past history information on my credit reports. There is a mixed file and someone elses information is displaying on my account. I have sent a physical letter to their agency stating this and have included copies of my drivers license, passport, and social security card. I have also submitted disputes online through their website and still the problem has not been fixed. They say that they need to investigate more and that I need to send them copies of documents that I have already sent them, but they do not solve the issue.

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 2017-04-08
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The account in dispute appear on my credit report several time under different collector company names Initiate an investigation with credit reporting Bureau. investigation was not conducted as requested. Document proof of that indeed account belong to me.   The collection agency fail to respond to verification of account after summiting a letter that my identity theft report and letter send to collector agency company address that is reported on credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief