BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 an account without my written instructions EXPERIAN has reported incorrect information on my credit report. XXXX XXXX XXXX does not inform of the bankruptcy of any credit bureau. There are several accounts that are associated with the bankruptcy that is showing on my credit report that needs to be removed. I have included a PDF that shows everything highlighted that needs to be deleted.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. Transunion must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 for erroneous reporting in my file are listed on my credit report 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 2023-08-05
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was no fraudulent deposit transactions totaling {$8000.00} the money was then fraudulently Taken via my cash app account in the amount of {$7800.00} which was reported. I received the credit reversal of only {$6000.00}. If they can see {$8000.00} was fraudulently deposited and they took the {$8000.00} why would they not take the {$2000.00} and reverse it as well. I provided a cash app statement showing all {$7800.00} went to the same people all which were fraudulent. XXXX attempted to recover the funds but it was too late. Since {$8000.00} was taking my account was overdrawn by over {$500.00} which was then taking from my XXXX  account to cover.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-23
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been getting calls from Harris and Harris for years now. I do not owe a debt that is now or has ever been owned by a Harris and Harris. I tried to contact them going back 3 or 4 years ago and explain whatever they are collecting is incorrect and not anyone at my number. I never get a person and can only leave messages. I try to leave messages every few months, but nothing changes. They still call every day around XXXX, again sometime in the XXXX XXXX and often again around XXXX. Every day. It hasnt stopped in almost 5 years. Its getting exhausting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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. 

Account name : XXXX XXXX XXXX, has violated my rights. 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 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 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 2019-07-05
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
2 years ago I entered into trial modification with Shellpoint mortgage servicing after they rejected a loan modification with keep your home California. I made all of the payments on the Trial modification. For the last payment, the representative refused to accept my phone payment claiming that the amount had now increased several hundred dollars. This was unfair. 

Shellpoint sent me a letter later asking about making a lump payment to bring the monthly mortgage payments down to the loan amount. Each time I requested the exact amount of the lump payment I could not get an amount as I wanted my payments to be the same as the trial. This was unfair. 

Because they would not accept my payment I fell behind as they subsequently would not accept mortgage payments for a month unless all months were paid. This was unfair. 4 months ago I sent them an Ach transfer from XX/XX/XXXX they sent it back. I purchased a XX/XX/XXXX cashier Check and they sent rejected it and refused to accept any payments. 

The single point of contact was changed in XXXX and provided no options The company made no effort nor provided any options. The company and representatives have been rude unprofessional obnoxious, call and then say they have nothing to offer so why do you keep calling. They never considered me for any loan modifcations and set a sales date. 

The company is unethical and requested a payment for arrears for {$29000.00} to bring the loan current. The initial point of contact said she would send me a letter of immenient forclosure to send to my TSP for a withdrawal. She has no knowledge of TSP and was ill informed. In her mind a TSP is the same as a 401k. It is not. She said she gave me a month to withdraw funds out of my tsp,. This is a lie as TSP is not a 401k and NO NO NO withdrawals are allowed until the new laws take effect that will allow for withdrawals on XX/XX/2019. The initial single point of contact provided no other solutions. No lower interest rates. No change in monthly mortgage amount. Nothing at all. Totally unhelpful did nothing at all to help keep my home, They refuse

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: Their investigation did not fix an error on your report

Complaint:
COMPANY HAS NOT PROVIDED VALIDATION ON INACCURATE INFORMATION ON MY CREDIT REPORT. THEY WILL NOT REMOVE UNKNOWN CLOSED ACCOUNTS ON MY CREDIT REPORT. THERE LETTER DO NOT MEET FEDERAL GUIDELINES AND THEY ARE CONTACTING THIRD PARTY AGENCIES THAT I DO NOT HAVE CONTRACTS WITH AND REPORTING FALSE INFORMATION.

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 2022-11-01
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently had a claim with Homepoint financial ( " HP '' ) related to my escrow account. HP incorrectly set up my escrow account by using incorrect tax information, they claimed the information was not readily available when I was in the process of refinancing my home. I provided HP with the initial estimate produced by point equity that correctly calculated my impound account. As a result of this error, my initial impound account was underfunded on day 1, this should not have happened and I was surprised it was not caught during closing or notified of the issue on day 1.

I have a clear paper trail between point equity ( lending broker ) and HP showing the change between my initial refinance estimate with the correct impound account information, and the closing document that was using the incorrect information. I requested HP to remove my escrow account, and I was told that I would need to pay the outstanding balance of {$3700.00} before I could take over my impound account.

Instead of admitting there was an error at the close of my refinance, HP reduced my mortgage payment without discussion or reason, and also mailed me with an escrow release waiver. When my case was closed, I was provided the reason as to why my mortgage payment has changed, which was HP spreading the shortage over 5 years. As a result of this process I notified HP that I am disputing the XX/XX/2022 payment until a reasonable resolution is reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Received call on XX/XX/2023 from branch manager stating that there was an issue with my type of address. I explained that I have had to travel a lot for my job and live in an RV. I've used XXXX  boxes for my address given that I have to move RV lots often. 
She understood and said she would make some calls to figure out what could be done for my situation. She said I would still be able to use my account for the time being and they would reach out to me after they found out more. 
On XX/XX/2023, my debit card was declined even though I had sufficient funds in my checking account. I called customer service and they told me the hold was due to the address issue and I would have to go into a branch to get it resolved. I made an appointment with a local branch. One of the bankers called me for more information regarding the appointment. I reiterated my situation to him. He said he would make calls to find a solution. He called back and said that I had to provide a physical address and provide proof like a bill that would have the physical address and my name. He also referenced letters the bank mailed but I never received regarding this policy. I do not have anything that would fit those requirements, other than my XXXX box. I was able to print my latest invoice from my RV Park but that was not good enough because it was a business address and not from the last 15 days or on official letterhead. I asked if they could at least lift the hold temporarily to get some cash from my account so that I can get some cash to get gas so I would able to go home today. They said yes that shouldn't be a problem. When we went to do the transaction, the banker said the system wasn't letting him do it and there was nothing they could do. I asked if I were to close my account, would I be able to get a check with my funds on it. The bank informed me that with the hold and without the physical address, I am not able to do anything. I am not even able to close the account. Ultimately, I have no way of accessing my funds without submitting a qualifying physical address and qualifying documentation, which would be reviewed. Once reviewed and the address is verified, then I would be able to close my 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 2023-09-22
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I took out a loan in XXXX of this year. To be paid back by XX/XX/XXXX. Payments are no weekly and I am able to request for payments to be placed on the back end of my loan if I am struggling to pay. This company is attempting to pull XXXX payments from my checking account without authorization. No one told me that I would be making XXXX payments when I spoke with an Advance America representative in the store. No one stated they will still pull from my account even though Ive made arrangements. I have attempted multiple times to remedy this issue with this company but they state, we can not accommodate your request They are causing extra fees to accrue causing mw more mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had XXXX XXXX at XXXX XXXX  for my nephew XXXX XXXX Three days service XXXX  was exactly the same in all aspects Room Charge for Day 1, XXXX XXXX Day 2, XXXX Day 3, XXXX XXXX XXXX Thus I am due for refund  XXXX for Day 1 room overcharge Medical Supplies : Day 1, XXXX Day 2, XXXX Day 3 XXXX, thus I was overcharged XXXX XXXX for 2 days equal to XXXX XXXX Total credit due is XXXX plus XXXX XXXX which equals XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: WELLS FARGO & COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I applied for the Wells Fargo XXXX XXXX card. 
After submitting my information, i received a message informing me that my application was pending. 
on XX/XX/XXXX, I received a letter from Wells Fargo. This letter stated that my application was declined. 
the reasons were : Too little time has passed since cards were opened. 
I have an account which was opened in XX/XX/XXXX, and an account which was opened in XX/XX/XXXX. Why is that not considered enough time? 
Percent of credit cards opened in the last six months : I opened an account in late XX/XX/XXXX, and one in early XX/XX/XXXX. Why is that a problem? 
Not enough credit cards, retail cards, or credit lines paid as agreed on your credit file. Since opening my first account in XX/XX/XXXX, I have a 100 % on-time payment history. I can not see any way to improve this percentage.

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 2023-05-07
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: Information belongs to someone else

Complaint:
15 U.S.C. 1681 sec.602 A. States I have a right to privacy 15 U.S.C. 1681c 2 sec.605 B. a consumer reporting agency shall block any information consumer identifies as information as a result of identity theft.DELETE not later than 4 business days after the day of receipt. It has been 7 days ; You are in violation! XXXX XXXX 15 U.S.C . 1666b : A creditor MAY NOT treat a payment on a credit card account under an open end consumer credit plan as LATE for any purpose. DELETE LATE payments.

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 2022-12-15
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:
A creditor ( XXXX ) erroneously reported a false account under my name to XXXX XXXX XXXX who reported me to all the three credit agencies resulting in a negative remark on my report. I have never used the XXXX XXXX account and I was never notified by the above mentioned collection agency. I called XXXX XXXX who admitted the error and XXXX XXXX was willing to credit back and close the account but XXXX XXXX  was unable to do so because the account was already in collection. I reached out to XXXX XXXX XXXX  who have never notified me about their actions and they have already sent my case to XXXX XXXX XXXX XXXX XXXX XXXX I disputed the account with all the three credit agencies and with XXXX and the attorney office. XXXX and XXXX completed the investigation and concluded the account was reported in error and deleted it from my report but unfortunately TransUnion did not perform accurate investigation and continues to have this account in collection.

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 2022-11-01
Company: Mr. Cooper Group Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Nationstar Mortgage, LLC This letter/CFPB complaint is being sent to you under the FDCPA15 U.S. Code 1692g. Although Nationstar has attempted to provide debt validation on previous complaints filed with the CFPB, Nationstar Mortgage has not provided valid debt verification.

Under the FDCPA, I have the right to know who the original creditor is and I am requesting that Nationstar Mortgage provide me with a copy of the last billing statement from the original creditor and the date on which the last payment was made to the original creditor. I am also requesting that Nationstar Mortgager provide me with the date Nationstar Mortgage purchased the mortgage from the original creditor. If Nationstar Mortgage did not purchase the mortgage from the original creditor, please provide the name of the creditor who Nationstar Mortgage purchased the mortgage from and on what date the purchase occurred. 

I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My wife, sister in-law and I all received phone calls from all different numbers, saying that my wife has to pay an old debt or she'll be reciveing a summins for court in 3 days unless she settles it today. My panicked and was corropertive with them. Myself was not and started questioning them what it was all about and their name and they wouldn't give any information unless I agreed to pay the amount. I contacted my bank and notified them and they urgently told me to lock my card and it was too late my wife had already gave the card info.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
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:
My XXXX account number XXXX XXXX XXXX XXXX a late payment was reported for XX/XX/2023. This is incorrect. My account was not late and was current. My payments was misapplied by the merchant. I spoke to a XXXX representative on XX/XX/2023 regarding my account was told payments were current and that due to a return check was misapplied after I repaid. I was then told my payment but in time but the system in error reported a late payment. However, a late payment was reported on my credit reports, Transunion, XXXX and XXXX for XX/XX/2023. The account is and was not 30 days past due. Reviewing of the payment history is impossible to indicate my account is 30 days late. I called XXXX and was told by one customer service representative that this error will be corrected and they will report to credit bureaus my account is in good standing. However, I was told my another XXXX representative it was nothing they could do and I needed to call the needed to call the credit reporting bureaus. Transunion, XXXX and XXXX and I was told to contact the merchant directly, in which I had already done and was results from Transunion, XXXX and XXXX was that the merchant XXXX will not update to good standing and no late payment.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
ERROR CODE BLNK THAT NEEDS TOO BE FIXED BECAUSE I DONT SEE MY CREDIT 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 non-monetary relief