BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: WA
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:
nothing I keep having credit rating value declines. It has caused me to pay higher deposits on an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage is close to 3000 I had tried to lower my payments in XXXX XXXX instead Wells Fargo put my home in foreclosure after I asked for a payoff amount which I never received. They make so many excuses not to take my houseout offorclosure. Once you try to reduce your payments might as well kiss your house good bye. Wells Fargo was so disorganized they lost my records, did n't enter them into the system, theXXXX and I worked with representatives that the management cant see on their end. The Vterans Department and The bank have confirmed we sent in all of the documents still XXXX XXXX at Wells Fargo upper management cant see the fault in losing my documents. 

I was assigned 7 different agents to me and my case everytime I got a new representative the VA and I would send in a new packet of information. I Asked for a buy out and they did n't have one, We called several times and wells fargo and XXXX XXXX XXXX did not have a pay off amount for me until a few weeks before the sale. 

I sent in the money and they did n't cash the check, I did everything verifiable to Wells Fargo, I went to the bank to send the documents so this very thing would n't happen. I sent a copy to Department of Veterans Affairs and Wells Fargo so they could not make any excuses but they are and now I am moving out of my house today XXXX, XXXX XXXX We had postponed the sale in XXXX XXXX and continued getting paperwork done I sent in the remainder of information on XXXX XXXX XXXX. The Bank statements were sent by my Wells Fargo Branch in XXXX XXXX XXXX and XXXX XXXX at the VA Sent XXXX a Letter stating she had all the proof I sent in the information. 

Not only that I remodeled my whole house over 50k and lost over 100k in equity.

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 2021-04-14
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: Account information incorrect

Complaint:
I already send all the proof to Experian and XXXX XXXX  about all the wrong information that they have on my report, I dispute this with proof and EXPERIAN complete the dispute with out any change on this account, when I called EXPERIAN, said that they didn't change this information because XXXX XXXX  said that this account still open, How a credit bureau can said that after all the proof that I send, the account can still open like they said, but why they have this account with 2 years without data report it from XXXX? I need this issue to be fix or I will open a case with a lawyer, NO credit bureau can have inaccurate information by law. I hope to have a respond a soon as possible.

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 2022-01-12
Company: ECMC GROUP, INC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was informed in XXXX of XXXX I had three defaulted student loans from XXXX. I had nor graduated from high school yet. These loans are not mine! The debt collector, ECMC has inky provided four pieces of documentation along with one forged promissory note. The bank said I did not have an account with them. I am unable to attend school due to this. I am submitting the identity theft packet with this complaint. ECMC has not verified this alleged debt in over 90 days.

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 2022-08-11
Company: OneMain Finance Corporation
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:
Someone stole my wallet with my social security card and ID. They have now tried to open XXXX accounts in my name. Luckily I have frozen my credit and reported fraud to all three bureaus, but now I am reporting to the FTC as well. Just to cover all of my bases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had bill pay with Navy Federal Credit Union, I was paying XXXX XXXX and Paid the account out and they said it was a right of my records show paid in full, also XXXX starting send payment back and at some point the account number was change to another account number on which I did not owe any money, The record show they took XXXX from my account to pay and account I owe no money and one which had know bill pay to automatic monthly how it was done at the credit union I do n't know this fraud I did not authorize this payment and I want to recover my fund that should not have ben to them any way nor was it authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: U.S. BANCORP
State: IA
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:
Had a USBank Visa card, on XX/XX/XXXX they received a payment of XXXX payment, which left a balance of XXXX. 
The remainder was paid on XX/XX/XXXX which left a XXXX balance. 
On XX/XX/XXXX called and asked to have account closed, and was informed at that time it still had a XXXX balance. 
After getting the letter in the mail on XX/XX/XXXX that said the account had been closed and it was dated XX/XX/XXXX, I decided to look online to make sure all was right, and there was a XXXX balance, it said it was interest charged on Purchases that was charged to the account on the same day it was closed. 
My wife called to inquire about it, and was told that it was from a balance transfer from years ago ( which is a lie ), yet this is the 2nd time the card had been paid off, and any balance Transfer was done before last pay off. 
The statement says Interest on purchases, and XXXX interest on Balance transfers, and XXXX balance on cash advances. But XXXX interest on Purchases. 
And since they did n't credit the XXXX till XX/XX/XXXX they charged Interest on over XXXX worth of balance, at 24.99 %. 
This interest rate has been going up each year since getting card, and never had one single late payment. 
I talked to some woman named XXXX on XX/XX/XXXX who said she was from Legal department, and what they did was legal, and I needed to pay that amount that day, because the account was closed, or she would report it as 30 days late payment. 
I feel I have been victimized by them, and they want me to pay for closing the account at XXXX. The attached file XXXX shows what I am talking about. 
Can you Help?

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 2019-10-14
Company: Social Finance, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went on an online chat at XXXX to inquire about services they may have to refinance my loan or if they had secured loans. The chat rep gave me a number and told me to ask for special handling. I called and couldn't get past first rep who said the only option was forbearance, I adamantly stated numerous that I didn't want that nor was I interested. She said that was all she could say. I asked her to connect me with someone else that may be able to help and she said the person she connected me to could explain the program or give information. When I was connected he again went into the forbearance program and I immediately told him I was not interested in that and that I have a financial license and did not want that on my record. He said he was sorry I was misinformed and I said okay and we ended call. About 2 minutes later I received an adverse action notice in my email saying that i did not qualify for the application for loan modification or forbearance! 
At no time whatsoever did I authorize the pulling of my credit report or consent to any application! I was literally just asking questions and knew right away and told them so that this was not something I was interested in doing. At no time did request this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Kingston Data & Credit International Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company is asking for a debt that I had no legal binding contract with them regarding. I am not sure if my alleged debt was sold to them or not, but I have no working knowledge of who this company is or why they've been sold this account OR are making attempts to collect an alleged debt on behalf of another company which whom I never gave access to send, share, or give out any of my personal information. 

Please see below for steps I am willing to take to correct this action ASAP. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Verification of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commercial Codes, Federal Fair Credit Reporting Act, and Nevada State Statues for Lawful Purposes. 3.A copy of the contract signed by both parties and therefore binding both parties. 4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account. 6. I demand you define what $ is in law, and cite any law defining the $ symbol and what form or specie of payment under 15 USC 78m ( q ) ( 1 )? I hereby give you 7 days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your said failure to provide the aforementioned documentation within 7 days, from the above date, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place; OR It has already been paid in full ; AND That any damages suffer, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: RUOFF MORTGAGE
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ruoff Mortgage company has failed to apply my Homestead exemption applied to my mortgage since XX/XX/2021 until today. I received an 'escrow projection analysis 'with an letter of increase in my XXXX payment going forth from {$630.00} to {$720.00}. This 'escrow analysis ' stated an ' shortage ' of {$490.00} being outstanding to be paid based on a guess. To my understanding information provided by Ruoff, I had an increase of {$0.00} for my homeowners insurance and another increase of {$1.00} for something else for 2021. I submitted my Homestead exemption of 60 % to Ruoff once it was approved by Indiana Assessors office in XXXX of 2021. Ruoff has neglected to update and apply Homestead exemption, by extending ' work order dates ' to apply and correct. I have been given 3 different dates to apply since XXXX of 2021. Today I found out through Ruoff customer service that ' Homestead exemption was applied on XXXX XXXX, however a step was skipped in running current ' tax line ' to apply exemption correctly. Ruoff customer service rep, today opened another ' work order ' to have tax line properly ran to apply Homestead exemption. I was given a date at the end of XXXX to call Ruoff back to update me on the work order, being properly applied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Mailed TransUnion written letter on XXXX, and advised TransUnion that I am a victim of their inquiry glitch. Moroever, requested the inquiries to be deleted off my credit report. have not received any correspondence from TransUnion, The follwing inquiries are part of TranUnion inquiry glitch which were requested to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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

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 2019-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my credit and seen XXXX XXXX I've never had an account with this credit card company the account was fraudulently opened under my name

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 2019-04-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
1. I am currently on a repayment plan with JC Penny Synchrony Bank of {$64.00} per month not {$120.00} per month. Since the XX/XX/2019 a payment of {$120.00} per month has been taken out of my checking account from XXXX XXXX XXXX. 

2. I have sent JC Penney Synchrony bank numerous emails informing them of the discrepancy with my JC Penny store credit account bill. 

3.

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 2019-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Friday XX/XX/XXXX after XXXX I went to Bank of America, XXXX XXXX XXXX to wire transfer {$1500.00} to my brother in XXXX. The paperwork was completed by XXXX XXXX about XXXX. He said Wire Dept. was closed at XXXX. and this transaction is not going anywhere until Tuesday XX/XX/XXXX. Monday was holiday. Later I noticed an error and went back to B of A Saturday XXXX. I talked to the Manager to cancel the transaction. She did the paperwork and said Wire Dept. is closed, this will be cancelled first thing on XX/XX/XXXX. I was at B of A Tues. XX/XX/XXXX by XXXX XXXX. to make sure it is cancelled. XXXX XXXX told me it is cancelled already. He said the money will be in your account by the end of today or tomorrow. I went to bank the following Friday. Mr. XXXX send me email indicating that XXXX XXXX  does not respond. Then I found out the money went to XXXX. I filed complaint at Attorney General, Mayor of XXXX, Federal Trade Commission. I received response from Attorney General referring me to CFPB. I talked to Dispute three times, it was recalled but no response from XXXX XXXX  yet. Please help me to get my money back from B of A. I find them to be at fault.

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 2019-04-18
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2018 I paid {$100.00} they told me that my account was paid in full and that my account was now closed. 4 months later they are now calling my saying I owe {$290.00} in late fees and that they will take legal action if I don't pay they call about 15-20 times daily for the past two months, they text my phone 15-20 times daily as well, they call from block numbers all day long before XXXX and after XXXX the representive I spoke with was so rude to me I was pretty much forced to pay something even though I don't owe anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: CCS Financial Services, 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've checked my credit and seen this company reporting on my report I have no knowledge of this account and it is a result of fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

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 2019-04-18
Company: Experian Information Solutions 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:
THE LISTED ACCOUNTS THAT I'M DISPUTING DOES NOT BELONG TO ME. PLEASE RE-INVESTIGATE AND HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT FILE.

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 2018-01-10
Company: Slovin & Associates Co., LPA
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a court document that I was being sued by Slovin and Associates on behalf of XXXX XXXX XXXX XXXX, for the amount of {$4700.00}. There are 2 issues here in regards to them attempting to collect the incorrect amount. 

1. Not only is the documentation that they filed with XXXX XXXX XXXX almost entirely redacted/obfuscated, there are four pages that appear to be identical. In Exhibit A of the attached file, on pages 12 through 15, they are all identical ; same " Current Account Balance, '' and " Amount 's, '' all totaling {$100.00}. This is an attempt to collect money from me that is not due and the documents they sent to me are false. 

2. I have had health insurance for quite some time, and there is no way that the amount due was not covered by my insurance company. I have a low deductible on my insurance that would have covered that amount. But since all of the dates have been obfuscated, there is no way of confirming this with my insurance company, and there is no way I can protect myself against these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
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'm getting charged for cash advance when I did a credit card balance transfer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The below account doesnt belong to me XXXX XXXX # XXXX AMOUNT {$14000.00}

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 explanation