BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I filed disputes with the all three credit bureaus and I haven't received anything from them. This shouldn't take more then the 30 days required for them to reply to me.

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 2019-09-26
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hi, on XX/XX/XXXX i was approved for a loan in the amount of {$320000.00}. 
I found a house and signed a contracted around XX/XX/XXXX for {$300000.00} then that was changed to $ XXXX.When i signed documents, i will receive different style signatures back when copies came back to me.the big problem is closing date keep rescheduling. 
Around the third time, i had it all, they keep asking for stuff that i already provide. 
The mortgage processor even ask me for more paper work two days before closing. 
When i went to her office, she took the day off and wouldn't answer her phone.I later understand that when the owner of the house want to speak to me regarding the house, the realtor will tell him she dont share clients info.When i have question, she told the owner is in XXXX.I spend almost {$1000.00} on inspection and appraisal fee. 
The mortgage processor even charged me {$370.00} for a program they call framework which she said its a requirement. 
I found out later that it is for first time buyer which im not. 
Im a home owner since XXXX.They keep asking for ridiculus stuff like buying money order for XXXX XXXX etc.I know appraisal and inspection fee is not refundable but i would like my {$370.00} back.I found out about this when my card was charged and call to enquired, and was told that its for first time homebuyer and you have to do a course online which i did none of that.I aked the mortgage processor for a refund and was denied.She told me she did the program for me.Loan processor XXXX XXXX NMLS noXXXX ( XXXX ) Realtor XXXX XXXX, which was recomended by Mrs.XXXX 
The problem with the realtor was signature issues, when i choose a type of signature, she would have something else. 
I went to a different realtor trying to get the same house, he call her to see if he can use the loan. 
She told him no, im not qualified for that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The bankruptcy is over 12 years old and isnt being removed from my file. None of the three bureaus are removing it. It was filed and completed in 2002

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Regarding : EQUIFAX Several years ago I placed a credit freeze on all 3 credit reporting services. I have been able to unfreeze/refreeze all without a problem. 

At the beginning of XXXX I tried unfreeze my credit reports. I was able to do so for all but Equifax online. Equifax would not let me in online. 

I subsequently called and was told that because of something I did they had permanently locked me out from being able to freeze/unfreeze online. No explanation, no reason and no recourse or way to correct whatever they seemed to think had happened. 

on XX/XX/XXXX I tried to unfreeze, still could not get in. So i called. Was on hold for about 30 minutes, finally someone answered and told me their system was down and to call back again. They should have offered to call me given all the security checks you have to go through before talking to anyone. 

On XX/XX/XXXX I called again, went through all the security checks, began talking with someone, and suddenly hung up or something because I was put through to the post call evaluation system they use. 

I called again on XXXX, spent another 30 minutes or so going thru security checks and got through to someone. She was able to lift my security freeze temporarily. I then asked about the problem logging in and got the same answer. I asked who I could talk to about it, and wasnt able to get an answer. I asked what regulatory agency oversaw them, she could not or would not answer. She finally agreed to put me through to a supervisor. After being on hold for around an hour I finally hung up. 

This company has control over my finances that I did not directly grant them, and their service is completely horrible. They are responsible for the XXXX security breach for which I had to freeze my credit in the first place, and then have made it very, very difficult to unfreeze my credit. 

It is simply unreasonable and unfair for them to be able to act this way. 

I believe that it maybe that they locked my online access because I was attempting to unfreeze my credit while on an airplane and using a VPN, but I dont know that. Whatever the reason, to place a lifetime ban on online access, then make it super difficult to call in, is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
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: Public record information inaccurate

Complaint:
I requested that Transunion verify the accuracy of a bankruptcy that is reporting on my credit report. Transunion mailed me a letters of the results stating that they verified with a third party company named XXXX. I do not understand how this was done because I have opt out of XXXX, sharing any of my personal information therefore, XXXX is not telling the truth. I will upload the letter I sent to XXXX, the response from XXXX, the opt out letter from XXXX, and information from the XXXX XXXX XXXX stating that they do not report to credit agencies. Please investigate these violations.

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 2018-12-16
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a " Notice of Collection Placement '' from EOS CCA ( XXXX XXXX XXXX, XXXX, MA XXXX ) for a XXXX XXXX account. The statement date is XX/XX/2018. The amount due is {$1100.00} ( {$1000.00} of principal and {$100.00} coll. costs ). 

I do not have XXXX XXXX account. I have never had a XXXX XXXX account. XXXX XXXX has never contacted me in regards to any debt I have with them. 

I contacted XXXX XXXX today ( XX/XX/2018 ) and they verbally confirmed that I do not have an account with them. They searched by name and account number, and found nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I went to obtain an autoloan and was informed that there was a judgement in my name. I pulled my credit to get debt collector information and when I contacted them they were aware the had to wrong person yet extended no relief with this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried for several years now to obtain my free annual credit report from all 3 agencies. I tried again today and the only successful report was through XXXX. Both Transunion and XXXX attempts failed through XXXX. I also attempted to obtain them directly from Transunion and XXXX  via the online method and by calling the customer service number for assistance. I am unable to reach an agent and none of the options offered lead me to an agent. The information I've been given with the unsuccessful online attempts is not sufficient and does not allow me to resubmit, assuming it's an address error. I just receive a message that I can't request my report online at this time. In the past, I've attempted to request a report via mail but gave up when I didn't receive a response.

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 2022-08-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in 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 2019-09-26
Company: JPMORGAN CHASE & CO.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have never been late on my regular note. I send an extra XXXX a week, by check..to the address Chase stated and written on the check is " principal payment ''. I do this because it adds up to an entire payment going to principal a year. However, Chase continues to post to interest, I have to check each payment, take a screenshot of the posting and call them. They can take over a week to correct the posting but meanwhile I'm being charged interest on the principal total, so I believe basically that my extra principal payments are being eat up in interest because of Chase 's poor posting habits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: EQUIFAX, INC.
State: NJ
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:
According to my recent credit report request from Equifax, XXXX, XXXX, there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED Court name : U.S. Bankruptcy CourtDate Filed : XX/XX/XXXXType : Chapter XXXX BankruptcyStatus : DischargedReference number : XXXX THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT Court name : U.S. Bankruptcy CourtDate Filed : XX/XX/XXXXType : Chapter XXXX Bankruptcy Status : DismissedReference number : XXXX THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT Court name : U.S. Bankruptcy CourtDate Filed : XXXXType : Chapter XXXX Bankruptcy Status : DismissedReference number : XXXX THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT bk of mo Act. # XXXX {$150.00} Past Due THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I received a letter from the IRS stating that someone was applying for a job by using my social security number. They provided websites of the 3 credit reporting agencies where I could obtain a free credit report. 

Transunion required a credit card as part of a log-in and did not display a price for services. I had searched registration page each step of the way for dollar signs and there were none. Transunion proceeded to charge my card {$19.00} and enroll me in a monthly service at a price of $ XXXX/mo.

I called and told them that there was no such authorization to charge my card. They said that they would end my subscription and that the initial {$19.00} is non-refundable. 

This is inappropriate, as they did not request on the webpage that they could charge my card for this service. At the very least, they are engaged in deceptive practices.

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 2019-09-26
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I trusted Navy Federal Credit Union ( NFCU ), therefore I submitted a modification packet as I was advised by the representative rather than getting assistance from an attorney. However, NFCU delayed representative received my packet on XX/XX/XXXX @ XXXX, and I received a letter from the attorney XXXX XXXX XXXX XXXX XXXX XXXX , XXXX on XX/XX/XXXX stating over $ 11k could be paid to reinstate my mortgage, however I have no savings and did not have the money, however no sale date had been set. Instead the sale date was set for XX/XX/XXXX, after my hardship packet had been received. While I waited on assistance from NFCU it appears they had no intentions on assisting me and were simply stalling me as time went by. Ms. XXXX claimed a letter was sent on XX/XX/XXXX, XXXX statements were needed, which I never received ; however packet was submitted at beginning of XXXX so I sent XXXX, XXXX, XXXX. Once informed what was needed I emailed documents within 2 hours. Ms. XXXX called me on XX/XX/XXXX, stating nothing could be done, my home would be sold XXXX XXXX, XXXX. I asked about Deed in Lieu, short sale, more time to move out. She gave me foreclosure attorney number. I called and spoke with Mr. XXXX, he stated NFCU would have to give them permission to delay the sale of my property, so I could have more time. So I called and Ms. XXXX is suppose to call me back. I have requested assistance with no success, NFCU has collected money from me for 12 years for a mortgage that started out at $ XXXX, now I owe $ XXXX, so NFCU will come out a winner, by auctioning off my home. This is wrong, I have served my country and worked for the government all my life, only to be denied benefits I deserve. XXXX amongst veterans is not high merely because of XXXX, it is because of the injustice we are forced to endure after begging this country for assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I received a garnishment order in the mail from the Department of Revenue of North Carolina. The order was issued on XX/XX/XXXX. On XX/XX/XXXX, I was sent a notice from Wells Fargo that they withdrew {$270.00} from my account, and charged me a {$120.00} " bank fee '' to withdraw the money. 

I have many issues with how Wells Fargo has handled this garnishment order : 1. The notice that they sent to me does not specify that a hold has been placed on my account for those funds. It says the funds have been withdrawn from my account. Possible UDAAP violation ( Attaching copy of notice ). 

2. The notice does not provide the phone number for the XXXX XXXX XXXX department. Instead, it lists the phone number for Wells Fargo Customer Service. When I called the number listed on the notice, I was told that I needed to call XXXX XXXX XXXX to get more information on the matter and was given the phone number to contact them. If I need to call them to resolve an issue, their phone number needs to be provided on the notice sent to the customer. This is a clear UDAAP violation. 

3. When I first called Wells Fargo Customer Service, I told them that I wanted to see a copy of my account agreement, specifically where they specify that they will charge me {$120.00} upon receiving a garnishment order in my name. They told me to talk to XXXX XXXX XXXX. XXXX XXXX XXXX was not able to send me the account agreement, and told me that I needed to call Customer Service back. I called Customer Service back, and they informed me that they could n't provide the agreement. I asked to speak to a supervisor, because this is a clear violation of Regulation DD ( 12 CFR 1030.4 ( 2 ) ( 1 ) : A depository institution shall provide account disclosures to a consumer upon request. If a consumer who is not present at the institution makes a request, the institution shall mail or deliver the disclosures within a reasonable time after it receives the request and may provide the disclosures in paper form, or electronically if the consumer agrees. ). I was told again that I could not receive the disclosures through Customer Service, and I told the supervisor again that I understand they did n't have the capacity to send them, but that not being able to send them is illegal. He escalated me again, and someone told me that there was difficulty sending the agreements because I am a XXXX legacy customer, and that someone would call me back tomorrow with more information. Someone without my knowledge of consumer regulations would not have been able to get those escalations. This is both a clear Regulation DD and UDAAP violation.

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 2017-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Bank America Business Card is allegng i owe them monies, however their unable to tell me how much i owe, or what was charged.

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 2020-05-02
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX consistently has inaccurate bills. This is at least the fourth time I have been harassed by this company. Now they referred me to a collection agency! This bill was paid timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Experian Information Solutions Inc.
State: NJ
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 DISPUTED ACCOUNT DOES NOT BELONG TO ME ; I HAD NO KNOWLEDGE OF THIS ACCOUNT THAT APPEARED ON MY CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNT REMOVED OFF MY CREDIT FILE. BECAUSE OF THIS NEGATIVE MARK, IT IS NOW HARD TO APPLY FOR NEW CREDIT. SO PLEASE HAVE THIS DEROGATORY REMOVE.

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 2019-09-26
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: Old information reappears or never goes away

Complaint:
I'm writtining You to dispute old accounts on my credit report. 
By law, credit bureaus are only allowed to list negative items for a certain amount of time. For most negative information, the time limit is only seven years ( or seven years + 180 days for a charge-off ).

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 2018-12-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have written several rounds of verification letters ( FCRA 609 ( a ) ( 1 ) ( A ) TO  EXPERIAN CERTIFIED SINCE BEGINING OF THE YEAR THEY RESPONED TO THE FIRST ROUND OF MY DISPUTE AS VERIFIED WHEN I SENT A MORE DETAIL VERFICATION LETTER CERTFIED AS WELL AS EXPLAINING THE METHOD OF VERIFICATION THEY FAILED TO REPLY WHEN I SPOKE TO THEM ON THE PHONE THEY COULDNT DO ANYTHING I SENT LETTERS TO THIS SO CALLED COLLECTION ACCOUNT AND THEY FAILED TO RESPOND HOW HARD IS IT FOR THE PEOPLE WHO WORK AT THE AGENCY RESPOND BACK TO A REQUEST

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 2018-12-16
Company: Convergys
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called me 5 times a day after I've told them I can't make a payment until I get paid on my pay day. They continue to call 5 times a day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation