BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I tried to remove a late payment from XX/XX/2020 on my Santander auto loan. This was the only payment I missed during Covid. I was told by the lady that took my call that they have to follow the FCRA rules and can not remove the late payment even if it happened during Covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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:
I am writing to delete the following information in my Credit report. The items I need are listed in my report. I am a victim of identity theft. I ask that the items be deleted to correct my Credit report. 
I reported the theft on my identity to Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible. 

Company Reporting Fraud Information : TransUnion Fraud Account Name : XXXX XXXX XXXX XXXX Phone Number : XXXX Account : XXXX Balance : {$110.00} Open : XXXX Fraud Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Pa 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 2021-06-11
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Aargon collection agency attempting to collect {$150.00} for XXXX XXXX for a visit on XX/XX/2019 that was paid by my insurance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Statebridge Company
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Statebridge, As you are aware, I have been trying to resolve this issue with the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX as recently as their last response on XX/XX/XXXX through the Consumer Financial Protection Bureau XXXX Their latest response produced more information that states that my previous mortgage company did not pay the XXXX XXXX XXXX loan in question. They were never paid their proceeds during the Escrow and Title proceedings, yet my mortgage went up {$48000.00}. Since my previous mortgage company is gone out of business and the Title company has changed ownership and relocated, they have no record of that transaction and I am at a point where I can no longer challenge this account. I am a victim of the financial crisis of XXXX with my previous mortgage and title company gone. Now, seeing how I just received a response from XXXX on XX/XX/XXXX, how can you file a notice of default on XX/XX/XXXX? Isnt there a time period before you can file a default? 

Maybe you did not receive notice, so I am filing this complaint through the CFPB as record to provide you with information about claims submitted to the original creditor. How can you file another Notice of Default and Election to Sell on XX/XX/XXXX? Isnt there a three-month time period to cure a default in California ( Cal. Civ. Code 2924 )? We contacted you XX/XX/XXXX through the CFPB about us dealing with XXXX the successor to XXXX XXXX, trying to find out what happened to our escrow payment. Which I responded to on XX/XX/XXXX, so when will the three months start? We dont have money to keep paying your lawyer costs and fees while we are disputing your claims. My lawyer says the best action would be to contact you about reinstatement but you filed another Notice of Default and Election to sell. The earliest you should be able to do this action is XX/XX/XXXX based on my first dispute through the CFPB. This is crazy. How is this not another violation? Don't you have to go by the rules and time periods for debt collection in my state? 

That being said we have no choice but to try and reinstate this account to stop this foreclosure. Please provide us information to proceed and reinstate Loan # : XXXX. Any considerations on the terms of reinstating this loan would be appreciated because Im just a XXXX  and I can not keep paying all these fees, Im already out {$48000.00} dollars + your previous XXXX in fees. How does this stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Experian Information Solutions Inc.
State: TN
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:
Listen I do not know what's going on but I feel like I'm being take as a JOKE this is my second complaint. I will be pasting my complaint again .... " Since mid XXXX I've been in distress due to Fico dropping more score drastically from wrong information being reported. It's being reported that I have a 60 day delinquency which I don't. I believe it's that way due to me being in forbearance with my mortgage ( I'm out now ) a comment was put on my account which stated " partial payment agreement ''. every since then fico has been reporting that I have a 60+ day delinquency. This matter is stopping me from moving forward with my finances, business etc. I DO NOT have any delinquency so I need this fixed as soon as possible. What they're reporting is COMPLETELY inaccurate and should be fixed immediately. I will be attaching where it's being reported that I missed a payment. '' The problem was fixed after my complaint and 2 days after that it went right back to saying I was 60+ delinquent! I Experian put in a dispute to my XXXX XXXX account after my complaint. I'm not disputing XXXX XXXX, I'm disputing Experian. I'm disputing the INCORRECT 60+ delinquency. REMOVE IT AND KEEP IT OFF OF MY REPORT. I'VE BEEN GETTING DENIED BACK TO BACK BECAUSE OF THE COMPLETELY FALSE INFORMATION BEING REPORTED.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX Balance : {$8400.00} XXXX XXXXBalance : {$4800.00} XXXX XXXX Balance : {$4800.00} XXXX Balance : {$8800.00} XXXX  XXXXBalance : {$8600.00} XXXX : {$7400.00} XXXX XXXXBalance : {$4500.00} XXXXBalance : {$3600.00} XXXX  XXXXBalance : {$5700.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXXBalance : {$0.00}

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 2019-08-24
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I initiated a XXXX transfer of {$220.00} to a merchant thru regions bank and never received any products I ordered. I was scammed. I called my bank and they told me they would open a claim but that I would most likely not get my funds back. The money was XXXX  on XX/XX/2019. The number was changed and the person no longer responded to any of my texts, calls or emails or messaging on social media. Then she responded saying get over it and cursing me out.

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 2021-01-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We called Wells Fargo Mortgage on XX/XX/XXXX because we got a letter and check stating we had overpaid on late fees. We pay every month and on time for more than what is due. When we called to see why there were late fees, we were informed that they misapplied an EDI payment in XXXX of XXXX for {$640.00}. We advised them that it was misapplied and it was for our regular payment due. They refused to correct the issue and escalated it to a supervisor who also refused to correct the issue. I requested someone higher than the supervisor. The executive team took over and refused to correct this as well. They said that they used their logic to apply the payment and because it has been so long, they cant fix it. Since we pay by EDI, they claim its not their responsibility to make sure payments are applied correctly. They removed only {$300.00} in late fees and left our account as behind with late fees continuing to accrue unless we pay an additional {$920.00} to bring the account current, even though it was only {$640.00} misapplied. They made zero attempt in almost four years to notify us that our payment was not applied correctly. They stopped sending statements at the same time they misapplied the payment in XXXX if XXXX. We had no reason to contact them regarding not receiving statements since we were paying more than the amount due on time. They sent a partial payment letter monthly, but it always stated that they would apply the funds to the payment due once the remainder was received. This letter never stated that the account was behind or that there were late fees. We had been paying by EDI for 5 years before this and had never been told by Wells Fargo that they can not accept EDI payments or that we are fully responsible for any fees or misapplied funds. They refuse to correct the payment after they were notified it was misapplied and are holding the stance that it is our error and we are responsible for the hundreds of dollars in late fees and responsible for making a full extra payment to bring the account current.

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 2022-07-13
Company: EQUIFAX, INC.
State: MD
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Reference # : XXXX Date Liability : {$0.00} US SM BUS ADMIN ODA Date of inquiry : XX/XX/2021 XXXX : XXXX XXXX XXXX Reference # : XXXX Date Liability : {$0.00} XXXX : XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Reference # : XXXX Date Liability : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report inviolation of federal law. Please remove or update the account completely from my credit reports : XXXX XXXX XXXX XXXX Balance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I applied for the mortgage deferment, it was not explained to me that the Escrow would not also be out at the end of my Mortgage. Now that I have resumed paying my mortgage the payment has increased. When I complained to Chase, what they offered was not in my best interest. I can not refinance, because i have to wait 4 months, which they don't tell you. When coming off deferment you are punished. Chase does another escrow analysis and withholds 2 payments, which does not include taxes, and none of this is explained drying the process. I was told that ***everything*** would be deferred to the end of the loan. If I couldn't pay my mortgage, how in the world does Chase bank think a person can come up with the escrow shortage?? I was not aware of any of this and now the new payment is causing a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following companies as violated my consumer right by improperly using my credit, In Accordance with the FCRA section 611, I want all this inquiries to be removed as i do not recognize or authorize them. 

XXXX XXXX XXXX XXXX XXXX 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

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 2023-06-13
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: First Technology Federal Credit Union
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
First Tech has refused to close my account. They continue to add overdraft and NSF fees for transactions that are repeatedly attempted. They've added {$99.00} in fees so far. 
I want to pay the balance but not the fees that never would have been added had my request to close my account been honored.

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 2022-10-08
Company: Incomm Holdings Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX, on the same day of realizing, I reported that my vanilla gift cards were stolen from my office by either one of my employees or one of my customers. I called the company who distributes the card on XX/XX/XXXX. They stated The entire cycle can take 45-90 days, however, some cases are resolved before then. 

The Electronic Funds Transfer Act states that they : - Must investigate the error and resolve it within 45 days ( which is be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXX Balance : Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$490.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} "

Company response to consumer: Closed with explanation