BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: PROVIDENT FUNDING ASSOCIATES
State: AZ
Product: Mortgage
Sub-product: USDA mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
My mortgage was sold to Provident Funding in XX/XX/2023. I set up autopay with my them on XX/XX/XXXX or XXXX. Apparently I entered the bank account number incorrectly. I was unaware of this at the time. They sent me an email saying they had processed the payment on XX/XX/XXXX. I checked with my bank and didn't see the transaction. I checked on XXXX XXXX, and XXXX and did not see the transaction. On the morning of XX/XX/XXXX i received an email stating that the transaction failed due to an incorrect bank account number and that i'd be charged {$25.00}. I called them to find out what was going on. I updated my information to have the correct account number and submitted a one-time payment for my mortgage for the month of XXXX and updated the information for future automatic payments each month. I asked that the {$25.00} fee be waived and this was rejected. I've had similar things happen at other banks and financial companies and waiving a fee like this has never been a big deal. They refused. I find it frustrating that I can not choose who I pay my mortgage to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TD BANK US HOLDING COMPANY
State: TX
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:
I contacted TD Retail Card Services ( TD Yardcard ) on XX/XX/XXXX. I discovered that were charging me monthly fees on the account. This account is an interest free account, deferred, if paid by the final due date. I began the account payment by paying the first installment in full by its due date in XX/XX/XXXX. Then XXXX setup bi-weekly payments immediately so that I would get ahead of schedule to pay off the account before the final due date and thus insure no interest charges. TD accepted each bi-weekly payment but did not credit the account as a payment, instead began applying the payment to the principal. The amount due each month was {$170.00} and I was paying bi-weekly of {$100.00}. So in some months they received {$200.00} and in a few months {$300.00}. They have continued to accrue fees on my account saying I am not paying the amount due on time. I am perplexed and they refuse to correct this and apply the payments correctly. At this time I am over paid what is actually due to them and they are still charging me fees. They offered to rescind and credit one monthly fee but to me that is not acceptable. They say I have been late paying but that is not correct and I am actually overpaid. I want them to refund me all the months they charged a fee. They are charging {$40.00} each month now and it makes no sense. They just need to correct the application of the payment and I can prove that they have received more than the monthly due amount each and every month prior to the due date. They need to do the right thing here and they are refusing. 
Please help me out as I am a great paying customer who was paying ahead of schedule.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: VA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-09-19
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My husband and I have a direct consolidated spousal loan. We both work in public service. We have well over the XXXX  qualifying payments. I applied for forgiveness in XXXX and the portion of loans that came from me were forgiven and we were told my husband would also need to apply to have the rest forgiven. He applied in XXXX of XXXX  and waited because we knew processing times were long. 6 months later, he called to check on the progress and was told his application for forgiveness was processing. We waited several more month and called again and were told it was still in process. Following that, our loans were transferred from XXXX to Mohela so after waiting a few months, my husband called Mohela only to be told that there was no forgiveness application on record. So he submitted the forgiveness application form again. When I went online to check on the status, it said the application was cancelled. So I called again and the rep on the phone told me it was cancelled because the name on the form didn't match any existing accounts. He looked into the issue and saw that indeed my husband 's name is attached to the loan and said it was a mistake that they didn't process the application. He said he would have it reviewed and added a note about the issue. He told me to give it XXXX business days to have it fixed but it still says that the application was cancelled. We are beyond frustrated at this point. We having been calling and submitting info for help for about XXXX years now and have gotten nowhere. The problem seems to be with the fact that my husband and I have different last names and the loan is under my name but since the loans came from my husband originally they need his employment verification ( which he has already submitted but they refused them ). Is there anyone that can actually help resolve this situation? We are now at XXXX payments out of the XXXX required ( so XXXX payments over ) and everytime this company says they are going fix the issue, we wait and nothing happens. Now we are looking at payments starting up again and will have to pay over a XXXXXXXX XXXX a month on a loan that should have been forgiven by now. We have called over and over again and can not get anyone to help. We even tried to get an administrative forbearance while they figure it out and although we were told once again that we could get one, that never happened either. Please help! Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello I have tried to fix the issue with XXXX and as well as all the credit Bureaus.. and No one has helped me with this issue.. 
The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and the last date active is inaccurate, and the date last reported is not accurate. this is grounds for removal they also violated my rights under. 

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

15 U.S.C 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 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. 

I have evidence of 11 different violations from Experian, XXXX, and XXXX. That I will provide in docs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it againXXXX 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 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 non-monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 Report Act, XXXX  Account numbers : 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 have violated my right to privacy . 15U.S.C. 1681, Section 602A ( as listed below ) states that I have the right to privacy.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also, 15U.S.C. 1681, Section 604A ( as listed below ) states that a consumer reporting agency can not furnish an account without my written instructions which I have not provided.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 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.

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 2023-04-11
Company: EQUIFAX, INC.
State: NJ
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: FC HoldCo LLC
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: Account information incorrect

Complaint:
I settled this account back on XX/XX/XXXX however, XXXX has failed to update my credit report after 2 months to show a {$0.00} balance is owed. 

I received a confirmation that my settlement was processed successfully by XXXX XXXX XXXX payment service. 

See below. 

From : XXXX Date : Mon, XX/XX/XXXX at XXXX AM Subject : Payment Confirmation To : XXXX Dear XXXX, XXXX, Thank you for using the XXXX  XXXX XXXX XXXX XXXX. This is to confirm your authorization, on XXXX XXXX at XXXX, for electronic debit from your funding account payable to XXXX XXXX XXXX. The following account ( s ) will be paid, in the total amount of {$4900.00}. 

Account Number : XXXX Confirmation Number : XXXX Effective Date : XXXX XXXX Payment Amount : {$4900.00} The payment will be completed on effective date or shortly thereafter. 

Thank You, XXXX XXXX XXXX RIGHT TO REFUND " If you, the customer, are a resident of California, you are entitled to a refund of the money to be transmitted as the result of this agreement if XXXX XXXX XXXX XXXX does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to XXXX Payments, Inc.* at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the California Financial Code. '' * XXXX XXXX XXXX XXXX is a third party vendor facilitating the money transfer on behalf of your service provider.

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 2022-02-16
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
From XX/XX/XXXX to XX/XX/2023 my Equifax score was XXXX. However XX/XX/2023 my score dropped XXXX. The only change was a XXXX XXXX balance decrease of {$550.00}, which should have increased my score by XXXX instead the opposite occurred. This is unethical and unfair business practices. 

conclusion : XXXX is participating in unfair and unthethic business practices. After decreasing my XXXX XXXX balance by {$550.00} resulting in a {$0.00} balance and a credit ultization of 14 % I should have seen an increase in my score not a decrease by XXXX pts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, INC.
State: MN
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 have previously disputed with XXXX XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We tried to refinance our HELOC with Wells Fargo, but were told we didnt make enough money. Our income didnt change between the time we were approved by them and the time we want we to refinance. This was a major reason why we ended up in foreclosure and lost our home in 2010.

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 2021-12-11
Company: Experian Information Solutions 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:
Following Only 2 Addresses are associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Apartment complex _____________________________________________________________________ Please correct the following, prior to filing FCRA lawsuit against Experian CC. Law Offices XXXX XXXX XXXX Following Addresses and Phone Numbers are NOT associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX ID XXXX XXXX Single family _____________________________________________________________________ Phone Numbers ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular _____________________________________________________________________ I did Not apply to XXXX XXXX it was obtained without my permission XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX Contact info XXXX XXXX XXXX XXXX XXXX, MN 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 2021-05-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
14 open reports for loans. Tried to get consolidated into showing one or 2 open accounts. Can not seem to do it. Also campus at coldwater, Michigan is no longer there. 
Never was told XXXX was a private college which meant qould have to take out subsidized and unsubsidized to cover tuition and books that pell grant wasn't big enough to cover. 
Books were as high as XXXX dollars and when semester would end the student bookstore wouldn't take nine tenths of them- claiming outdated or would give u XXXX to XXXX dollars Never notified me of coldwater branch of XXXX campus closing

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 2023-03-09
Company: Experian Information Solutions Inc.
State: SC
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 EXPERIAN BUSINESS CRED XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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