BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: MS
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX/XXXX  Company Inquiries : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX  Company Inquiries : XXXX/XXXX 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 explanation
Consumer complaint received 2020-07-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started a refinance on my principle home on or around XX/XX/2020 with Wellsfargo, which actually owns the note ( Im refinancing an existing wellsfargo loan ). I have also been a Wellsfargo member for 30 years. As of today, XX/XX/2020, I have not closed and after asking for a closing date, I have not been giving one. My impression is that Wellsfargo will ask for a document from me in a inefficient drip by drip fashion. Often waiting weeks before asking for another document. This of course delays the process further and results in expired documents resulting in them asking for the same documents that have been submitted. My impression is that they are delaying this process, possibly to allow interest rates to increase during the process. I did make a complaint via wells social media ask wells account and was assigned to an Executive Resolution Specialist in our highest office of escalation. This person by the name of XXXX ( the social media rep would not give me her last name ) essentially told me there was nothing she can do beyond just reviewing the case for me. She also mentioned that it is not unusual for a refinance process to last 5 months. I asked for my fees to be returned so that I can find a different institution to complete the refi but they refused saying that those fees were to third parties. A couple of days ago, I was once again asked for the same documents I have submitted twice already due to them being expired. I feel that essentially Wells Fargo is keeping me financially hostage because essentially they are refusing a refund of monies provided to them for a service they are not able to or willing to complete. My ask is for them to close this loan as soon as possible. I do not want the fees returned at this time because of the extensive time that has been invested by me so far. I am a XXXX XXXX who is already stressed due to the current COVID19 pandemic and this experience has only made it worse. Please close my loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Bank of America is the worst institution I have ever had to use. I use them because Nevada Unemployment. 

Change atm amounts all the time and also locks people out of their cards. 

Worse company ever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance my mortgage and was assigned XXXX representative XXXX XXXX. He instructed what the process would entail and stated a loan processor, XXXX XXXX would contact me to begin the process. XX/XX/XXXX Ms. XXXX XXXX contacted by phone and introduced herself. She stated I would need review a " To Do '' list to submit documents to begin the process. She said the current submission of proof of my Social Security document was not sufficient, I would need to " submit a W4 or W2 ''. I told her the website does not request any of my personal financial information, may I submit other options. She was adamant I must submit my personal financial information for her to view. I requested to see this policy in writing, because their To Do website did not state persona financial documents. She avoided my questions and rushed off the phone by saying I will let you know. I waited over 36hrs and have not received a response. I believe this employee was trying to obtain personal information without following the guidelines and information listed on their website. She has not contact me back which created more suspicion. I contacted the 1st representative, XXXX XXXX who has refused to forward me to a supervisor or management to voice my concerns or receive an explanation. Ms. XXXX XXXX has not contacted me since I disputed her request and my application is remaining stagnate. I am not sure if she is discriminating because I am male who is asking for policy in writing, but my application should not be affected because of my gender. Or she was trying to receive my personal information to commit fraud. I do not know since she has not contacted me back. I am submitting a screenshot of their website To Do list and no where on their does it request personal financial documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX and XXXX XXXX XXXX # XXXX have all violated my rights as a consumer.

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 consent

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 2023-06-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX a tree from neighbor yard fell causing damage to my house and deck. A claim was filed with my insurance company, and check was issued to me and to Ditech Financial as loss payees. I sent the check to Ditech and funds were sent to me by them to cover expenses, less a final amount held in escrow account pending satisfactory repair. Ultimately, Ditech issued a check to me in the amount of {$590.00} to close the escrow account, which I deposited XX/XX/XXXX. on XX/XX/XXXX I received notice from my bank ( XXXX XXXX XXXX ) that the check from Ditech was dishonored, and I was charged a fee of {$7.00}. I called Ditech XX/XX/XXXX and was told that an ACH transfer in the amount of {$590.00} would be sent to my bank account " within 72 business hours. '' There was no transfer. I called again on XXXX and was told that the payment request " was still in the system pending payment '' and that there were " about 3000 other customers in the same circumstance. '' The service rep XXXX offered to send a check for the {$7.00} fee. The primary payment would " probably '' be made " within a couple of weeks. '' As a reminder, this is an escrow account and the funds do not belong to Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Lendmart, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Lendmart has charged me 14 times in one day on XX/XX/18, via an ach withdrawal which I only authorized one payment amount to be paid for {$68.00} for XX/XX/18. 
They sent an email stating they have not charged me since XX/XX/18, however I have my bank statement showing the charges from this company. 
They later claimed an outside merchant charged my bank account 14 x, my bank account was drained, I was without money and had to leave work. 
The Banker sat there with me and could see the charges continue to be taken out of my account. They had to stop my account and made a claim through XXXX XXXX. 
Also my bank will also have to issue me a credit for Lendmart 's error which they are under investigation with my bank XXXX XXXX as well. 

Today XX/XX/18 I received an email saying I am now past due, which is impossible, as they have taken out several payments in one day. 

A few months ago Lendmart also took out money from a different account that was not only my account, I did not give permission on, I only made a previous payment with said account and they had to refund that charge.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-13
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Online platform is old and clunky, the use of XXXX using text is equally outdated. The code to log into my account is either never delivered or delivered 6+ hours later. Being locked out of my own account for almost an entire day and not be able to access it when I need to is not acceptable. Their team must lack the knowledge to tackle the known technical challenge of making XXXX with all phone carriers work properly. PNC should either have solid knowledge of XXXX XXXX to create a stable platform or use a stable product for XXXX such as XXXX authenticator that bypasses the need for text. 

When I called to address the issue, first I was routed to the wrong department and had me on hold for over 10min to realize this. Then was routed to " online banking '' which is what I had selected in the first place, agent hung up and did not call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Risecredit, 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 status incorrect

Complaint:
Due to the misinformation given by web administrators, the payment options were incorrect. Payment options given were not sufficient to cover payment. Company agreed to withdraw one payment every 14days on loan agreement. Web administrator should have been able to give proper payment arrangements. This account is paid in full, however the company continues to report delinquent accounts status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2018 I went to buy a motorcycle and XXXX credit card through Citi Financial refused to I inform me why application was not processed. AS a consumer I deserve to know when my credit is pulled why credit was not processed. THEY kept saying department that processes had in a queue but do not take calls. This is unacceptable and appears to be a business practice.

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 2019-06-10
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: Account information incorrect

Complaint:
I have a account listed on my credit report that is not accurate from XXXX   XXXX XXXX XXXX XXXX # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Shellpoint Partners, LLC
State: AE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased a home on XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. At the time, we put 10 % down of the asking price and were accordingly assessed a PMI of {$81.00} per month. 
On XX/XX/XXXX, we paid down the cost of the loan so that it is below 78 % of the original value of the home. According to the Homeowners Protection Act, the bank should automatically cancel the PMI. The current lender is NewRez and the loan number XXXX. The bank refuses to cancel the PMI claiming that XXXX XXXX is somehow involved in the loan ( they are their backer in the words of the associate ) and XXXX XXXX refuses to cancel the PMI and requests an appraisal on the property. We have two issues with this : 1 ) According to the Homeowners Protection Act, the PMI cancellation should be automatic upon reaching 78 % of the original value ; asking for an appraisal is not right 2 ) At no point in time XXXX XXXX has been a part of our loan process - why are they involved now? Our original mortgage was with XXXX XXXX, and subsequently sold several times to various lenders as part of whatever loan packaging they do. 
According to the XXXX XXXX website lookup, they do not own our loan. 
We want the cancellation of the PMI as we have fulfilled our obligations under the Homeowners Protection Act. Please, help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having 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 2023-01-10
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Dyck-O'Neal, Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dyck-O'Neal, Inc. filed over 1000 cases in Maryland using fraud from National Mortgage Settlement cases. Many Maryland families have been enslaved for life with 100,000. - 300,000 plus illegal judgments. It is time for action by authorities to demand restitution for crimes committed by substitute trustees NAMED in the National Mortgage Settlement. 

The Department of Justice knows about these crimes and should be issuing indictments and arrest warrants for the NMS 15 ( a ) violators ; any criminal act. I reported these crimes prior to this communication and your answer was less than acceptable given the dire circumstances of the victims.

I have been intimately involved in more than one of these cases with good results proving FRAUD. For way to long these NMS crimes have been allowed to continue. It is time to act for the citizens ( over 1100 ) in Maryland alone, obtain some justice. Looking the other way when crimes have been committed with substantial evidence to prove the cases is just another crime. I look forward to a easy process to prove over

1000 fraudulent debt collection cases. I obtained evidence from many files in Maryland the reveal the fraud involved in these illegal judgments. These cases are very easy to solve. The evidence in located in each one of the foreclosure files ( east to see ) and
the subsequent actions filed by DYCK using obvious fraud documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Special Financing Company, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX, i reached out to XXXX XXXX for XXXX XXXXXXXX consult. I received a quote and i applied for credit. Was approved through several different companies but i chose XXXX XXXX XX/XX/XXXX. Even though, i havent had my XXXX, i started paying {$240.00} a month and paid a total of {$1400.00} before i cancelled the XXXX all together. I called XXXX XXXX about my refund and i also knew i was having to pay {$250.00} for canceling. It was told to me that someone from XXXX XXXX sent an email to XXXX XXXX letting them know i was canceling and wanted a refund. XXXX XXXX emailed me me back letting me know they was taking out the {$250.00} and i was getting {$790.00} refund. So i emailed asking what happened to the rest of the money. Still to this day no one will answer. I call back this year and i was told i was getting back {$680.00}. I called XXXX after the conversations with no success, nor any call backs. I want to know what happened to the rest of my money. I have every email and the contract.

Company response to consumer: Closed with explanation