BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi Debt was already paid to a zero balance. Credit file does not reflect debt paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CrossCountry Mortgage LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I applied for assistance with a late payment which occurred in XX/XX/XXXX when I changed jobs. The late payment was due to my pay frequency changing from bi weekly to monthly I also encountered a temporary financial hardship when my XXXX unit needed repair and my vehicle broke down which needed a new battery and starter. The total out of pocket for these unexpected expense was in excess of {$1500.00}. I completed the paperwork to request a forbearance so I could get back on track. The deadline for all documents was provided by XXXX. When I checked the portal where the documents were uploaded on this date, it keep indicating the package was partially completed. The notes left in the portal stated " need one more '' next to the link for paystubs and banks statements. The requirement for these documents indicated a date range of 90 days which was provided. I could never get the XXXX XXXX XXXX on the phone in order to clarify what exactly was still needed. I received notification on XX/XX/XXXX that the request for assistance was denied due to incomplete package. This is not fair considering I could not get intact with XXXX XXXX for help. Since I could not make contact by phone, I left a message in the secure portal specifically asking for clarification on her statement " need one more ''. I never got a reply. In addition, I don't want to be charged for an appraisal on my house since the request was denied for a incomplete package. I have been getting letters constantly about this. They can send letters to my house but never available on to speak live on the phone. XXXX  XXXX was sued for actions just like this which lead to illegal foreclosures on customers homes. Cross Country Mortgage is patterning the same behavior. In addition, I never got a voicemail from anyone at Cross County Mortgage regarding my request for assistance. They also block their number when they call customers. I know this because I answered these calls and questioned them about this. I was was told they have no control over what the caller-Id shows.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had Wells Fargo around XXXX and was being over drafted fees alot

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 2021-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I ( natural person ) refuse to pay this alleged debt, I contacted the company to get the inaccurate information deleted off my consumer report, also I have an cease and desist on XXXX XXXX XXXX and the company is still in contact with me by reporting inaccurate information to my consumer report. The consumer reporting agencies put in a request for the alleged debt to be deleted. However, I disagree with there investigation results because pursuant to 15 USC 1681a ( e ) the consumer reporting agency must report to my neighbors, friends and associates. They didn't provide me with the results on how they investigated this alleged debt which makes this process unlawful.

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 2023-09-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
My personal information was comprised and used to apply for loans. My Social Security Number, Driver 's License, Address, Phone Number, and Email and Bank account 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 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 2021-10-25
Company: EQUIFAX, INC.
State: OH
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, XXXX XXXX, ( a natural person ) I do not owe such debt and this is a clear violation of my rights under Title 15 U.S.C 1692 ( e ). Thru U.S. Postal Service Via certified mail on XX/XX/2021 I sent them a letter to Cease and Desist their fradulent activites and they still failed to do so and still continued to use this false information against me. I also requested that I be provided with validation from XXXX XXXX and XXXX XXXX  of these alleged debt and it was not provided. I left over 7 messages for a manager with the company and received no responses. They continues to willfully keep the false debt listed on my credit report. They are unable to validate the debt and still did not remove it. This is affecting my life I am undergoing extreme stress and emotional damage due to this nightmare. It is affecting my personal and professional life. I am unable to operate in the financial system properly with this false debt on my consumer report. I deserve justice for the loss of income, troubles, and mental stress this company is causing me by being complicit in violating my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
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:
I sent XXXX a Verification Letter on an account originally with XXXX XXXX and asked for info proving that it's my debt. In response, I received the attached two letters. The second account, I had never had even been contacted about and I have no knowledge of. I had asked for documentation to verify that XXXX is the owner of the accounts ; that they are licensed to collect in Florida, a copy of the nost recent statement from the original creditor and a copy of an application for credit that I had signed together with any other pertinent information. The letters I received in response only show my last name, last 4 of my SS # and the " Date Account Opened Provided By Seller ''. One of the accounts goes back to 2013 and should not even be reported on my credit bureau reports since it exceeds 7 years. I also filed a dispute with XXXX but it was declined.

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 2021-03-15
Company: EQUIFAX, INC.
State: OH
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 a victim of identity theft, I have provided proof of such to all 3 credit reporting agencies as well as XXXX XXXX. At on point I had three different collection agencies all trying to collect the same debt for XXXX XXXX, and its not even mine!! This account was removed from my credit once but is now back on it!! I have taken every step required of me to settle this yet it still keeps popping back up! What AM i SUPPOSED TO DO? This keeps reapperaing and doing damage to my credit that I'm trying to rebuild after the ID theft. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was refused service at the XXXX XXXX  XXXX, XXXX, TX XXXX PNC Branch by the branch manager XXXX XXXX. XXXX refused me service, telling me, " we will not serve you here ; you will have to go to a different branch. '' This is all after I came to this branch multiple times spending hours at the branch trying to get my money with multiple different tellers and with XXXX herself. 

Furthermore, the tellers refused to get any amount of money from any of my checking accounts. 

I did what XXXX said, left the XXXX XXXX  XXXX branch, drove to the XXXX XXXX XXXX, XXXX, TX XXXX branch location and was able to get all of my money out in less than 30 minutes from the teller.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
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: Problem with personal statement of dispute

Complaint:
I have entered into a repayment agreement with XXXX to satisfy the outstanding balance in 3 monthly payments of {$260.00}. The last payment is due XX/XX/2021. However, the attached information indicates that XXXX has made errors in the balance owed ( {$1100.00} ) and the amount of the payment due ( {$740.00} ). These errors by XXXX are being reported to the credit bureaus are they are harming my credit history. 
I have raised them numerous times to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Chime Financial Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had to contact XXXX because my account was on hold and I needed to transfer funds. The rep I spoke to instructed me to call him back so he could remove the hold. I did so once the money was in my bank account. 

He instructed me to initiate another dummy transfer to reactivate my account. After transferring the money, he cut the line. I called back but the line was no longer active. 

I immediately called my bank and they could not cancel the transaction. I lost {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am always on time when sending my mortgage, as it is my most important bill, however the company continues to accuse me of sending my check late. I send my check well before my billing date and they continue to say they have not received my payment on time, each time they charge me a late fee. I have been to my local post office for information on how long it takes for a letter to reach California from Massachusetts, they told me it takes about three to five days. I always send my check on time and they claim I am roughly 19 days late on my payment, they have charged me late fees multiple times and I am upset since I know my payments are on time. It seems as if they want to force me to switch to automatic payment although I have always payed by check through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO

WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
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: Account information incorrect

Complaint:
I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and .... I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX*** To remind this company of this law I have included it here. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I did in fact receive a credit card from this company to obtain money on credit. This company provided me this credit card, I was approved and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. I have attached a description of the tradeline that should be excluded from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Stern & Stern. P.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
my name is XXXX XXXX on XX/XX/XXXX i sent out a notice to XXXX XXXX XXXX XXXX indicating that they STOP there billing of XXXX for alleged tax reduction they reduced on my behalf which i had not contracted with them, so i sent them a notice and i stated for them to rescind and STOP this action toward me XXXX XXXX otherwise i would be contacting the attorney general office and the proper authority regrading this matter i also stated that i would be sending this notice USPS certified return receipt with tracking number XXXX XXXX XXXX XXXX XXXX and for XXXX XXXX XXXX XXXX TO contact me within 7 days of receipt if they had and problems with what i stated via USPS certified mail well i had had not received no correspondence as of the allotted time. 
Now Comes XX/XX/XXXX three years after the fact. I XXXX XXXX received a letter from Law Offices of Stern & Stern, P.C. 
XXXX XXXX XXXX XXXX, New York XXXX DCA # XXXX ] Alleging i owe a debt to them on behalf now XXXX. WHICH i have never heard of or XXXX XXXX XXXX XXXX i addressed the letter to XXXX  XXXX XXXX WHICH i stated i resolved this matter with XXXX XXXX XXXX XXXX SNICE i never heard back from them as we know in Law silence is equal to acquiescence and would provide them with the documents this NOTICE WAS SENT OUT XXXX XXXX i stated to Law Offices of Stern & Stern, P.C and i ask them to please answer the following Questions:1-Is it true that you are a collection Agency DBA STERN & STERN P.C . ? Yes or No? 

2-Is it true that you have a vested interest in collecting this alleged debt? Yes or No? 

3-Is it true that STERN & STERN P.C. a collection agency and is not a holder in due course of this alleged contract? Yes or No? 

4-Is it true that STERN & STERN P.C. Collection Agency has purchased this alleged debt from XXXX XXXX XXXX XXXX and are asking for my consent to collect money to benefit your agency? Yes or No? 

5-Is it true that XXXX XXXX XXXX XXXX have charge off this account? Yes or No? 
You are advised that I XXXX XXXX demand you to respond to all questions and return your answer in writing, within 10 days of receipt of this notice. I will be sending you a copy marked # 2 therefore return the second mark with a circle in your answers and signed by your agent. 
This notice will be sent USPS certified mail return receipt tracking number [ XXXX XXXX XXXX XXXX XXXX ] marked # 2 return circled and signed. 
i did not hear from them and now i come home on XX/XX/2020 i find papers on the floor stating they filed in XXXX county an alleged suit on XX/XX/2020 and i have 30 days to respond when if fact they never respond to my NOTICE AND DEMAND TO STOP THIS SCAM. I AM DEMANDING THE STOP AND DESIST IMMEDIATELY. I XXXX XXXX will upload all correspondences to you at cfpb thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: AMA Advisors, LLC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to you in regards to the results of a recent dispute I submitted to XXXX. Ive made two attempts to them, offering all of the proper documentation, following the correct process in order to have a negative and unfair listing against my credit to be removed. Ive reached out to them to understand their hesitation and can not gain an understanding nor the results needed. A representative of XXXX informed me the decision to leave this on my report is in the hands of Homebridge. Ive talked with Homebridge representatives on several occasions and they insist they have nothing in their files to initiate any derogatory remarks regarding this transaction or my relationship with them as a previous customer. The simplest form of proof that I have is XXXX nor XXXX has not reported anything like this. 
In the meantime, this negative mark against my credit is causing other creditors, in which I have worked very hard to build relationships with, to suddenly cut my credit limits, some even cancelling my accounts entirely ( since a negative mortgage remark holds a lot of value ). I have lost {$6500.00} in credit limits as a direct effect of this remark from XXXX since most of my credit cards are held by XXXX XXXX who relies heavily on XXXX for accurate reporting. 
This began in XX/XX/2020 with completion of a refinance on my home loan in order to lower the interest rate on my home loan. The closing was completed XX/XX/2020. Apparently there was a shortage in the payoff from the title company to Homebridge Mortgage in the amount of {$4900.00}. I was then reported 30-days late for XX/XX/2020. XXXX XXXX XXXX was the title company in which this human error occurred. They promptly corrected the error, Homebridge closed the loan XX/XX/2020 and offered a no fault letter to me to ensure this error would not reflect on my credit reports. 
I did not have an account with Homebridge in XX/XX/2020, therefore, impossible to report this month as a 30-day late payment.

Homebridge recd a payment of {$200000.00} toward the payoff amount of $ XXXXthis amount clearly would cover the 3 day delay for XXXX mortgage payment of {$1500.00} ; regardless of the human error that occurred. 

I am pleading with you to review the supporting documentation and review this in its entirety to consider the possibility of not penalizing me for an error that was beyond my control. Please let me know if you need anything further from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I would have money in my account and my bills being taken out on an automated service and then I would get a email saying unsufficient funds and then charge me an overdraft fee

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 2021-10-25
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: Account information incorrect

Complaint:
I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and .... I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX**** To remind this company of this law I have included it here. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I did in fact receive a credit card from this company to obtain money on credit. This company provided me this credit card, I was approved and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. I have attached a description of the tradeline that should be excluded from my credit profile.

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