BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-01
Company: STERLING JEWELERS, INC.
State: TN
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 mailed a letter to XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I sent the letter to XXXX XXXX on XX/XX/2018 and it was received anywhere between XX/XX/18-XX/XX/2018. I know the letter was received by KXXXX XXXX because they sent a dispute update to EXXXX but did not notify me by mail. According to fair XXXX XXXX laws, XXXX XXXX   should have provided me with a substantial documentation of verification that I owed such debt listed under account # XXXX. I also see in the notes that the account has been transferred and sold off to another creditor which has never contacted me about the debt. Because the law has been violated I demand that this account be removed immediately from all three credit bureaus. I do not want to have to take this issue to court but I will if need be. Please resolve within 15 days according to law. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Rocket Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Quicken Loans failed to notify us of a deficiency in our escrow account for over 7 months. Rather, they notify us by mail that our mortgage is going up hundreds of dollars -- their excuse? " We have 2 million loans and don't always catch an unorthodox tax spike. '' Had they notified us, we would be able to fix the discrepancy with the real estate tax but because they waited so long, the consumer suffers. Being a big company is no excuse for abiding by RESPA, nor is it an excuse to engage in predatory lending behaviors and unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
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:
XXXX XXXX XXXX has reported to all 3 major bearus that I had a late payment. I have contacted them directly and all three bearus separately in regards to being involved in a Natural Disaster Hurricane Irma who put me without work for two weeks due to no power and distruction. I have submitted disbute within the creditor itself and also TransUnion, XXXX, and XXXX. No one is resolving the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My checking account with Wells Fargo was charged 3 overdrafts fees of {$35.00} each on XX/XX/2019. My account was overdraft less than {$20.00} after doing a XXXX transfer for my rent. A check that was supposed to be deposited XX/XX/XXXX was not credited in time. I came to Wells Fargo branch XXXX XXXX and XXXX and had a long conversation with a banker about how unfair was to charge this and that I didn't know the account was as low. The charges were two {$6.00} transactions from XXXX that were pending from the app. 
Banker asked for authorization to credit the overdraft fees and the answer was negative. As I came back to the branch to discuss about it and explain how I don't even have enough resources now as to loose {$100.00}, XXXX XXXX, assistant manager still said no to credit this fees. I've already asked in the past to never allow any charge when my account is XXXX because I don't ever want to pay this fees. 
The bank explains that their system doesn't allow them to block debits that are from apps or direct debits. So I still get charged with this very expensive fee. I also felt poorly treated at the branch by this assistant manager, XXXX XXXX, feeling bullied and like she enjoyed to use the power of saying no 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 monetary relief
Consumer complaint received 2019-02-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Good afternoon, Wells Fargo is denying to remove forced placed insurance after showing proof of Insurance in XX/XX/XXXX. This insurance was placed by XXXX XXXX because according to Wells Fargo they sent letters to request proof of insurance and there was never a response Regarding this issue. Also Wells Fargo has no proof that the proof of Insurance was not submitted. I was never aware or never received proof of an insurance premium being purchased on my behalf in XXXX. 
The contact phone number for Wells Fargo is XXXX XXXX XXXX Thank you for you interest regarding this matter. 

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 monetary relief
Consumer complaint received 2021-12-09
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: Account information incorrect

Complaint:
Account is reporting as a charge off.And I would like to have it removed from all three credit bureaus. Its been XXXX  years from the first date of delinquency. Per XXXX XXXX account should been removed off the credit it XX/XX/XXXX. Ive disputed this account through XXXX, XXXX and XXXX however it still remains on my credit report. Ive worked with XXXX XXXX XXXX in XXXX and have been working with XXXX XXXX to have this delinquency removed from my credit report. Escalations letters have been sent to XXXX finance company as well as the XXXX credit bureaus and have not heard anything. Please help me removing this account from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a Mortgage with XXXX XXXX with no escrow account. XXXX XXXX sold my Mortgage in XX/XX/XXXX to XXXX which now changed their name to XXXX. 

I was and still am paying my own Taxes, & private Home owners, Wind, & Flood Insurance. My Condo association also pays Master Flood and  Hazard insurance. It is included in my Fees. I have given both XXXX XXXX and XXXX Proof of renewal for all policy that I pay in full. XXXX   XXXX and I agreed to that and everything was fine Now here comes XXXX! 
Everything was fine for 8 months I emailed them proof of insurance renewal that is paid in full. They send me a letter I need more Flood Ins.  Fine I purchased more Personal flood insurance Paid in full to satisfy their demand of {$44000.00} My personal flood is paid in full by me until XX/XX/XXXX. I sent them proof and they sent me a letter that it was accessible to them. I have the Letter. 
They now say They are going to open an escrow account and they now added {$160.00} to my Mortgage. This is unacceptable I am XXXX years old and do not need to or will I be bullied by these predators. I will email you the documents. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by XXXX XXXX. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on XXXX XXXX 's website. They have me thirty and sixty ( 30 and 60 ) days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXof XX/XX/XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXXin the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} onXX/XX/XXXX. XX/XX/XXXXwas missed therefore I paid two car notes in XX/XX/XXXX in the amount of {$1400.00} for both months. I paid XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XX/XX/XXXX in which they should not have been trying to do, then received XX/XX/XXXX's payment on XX/XX/XXXX in the amount of {$710.00}. ThenXX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXXbecause of the conflicts of interest, and therefore did not have to make a payment on XX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.

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 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently refinance my car though my credit union ( XXXX XXXX XXXX XXXX ).  My previous creditor was XXXX XXXX. XXXX XXXX gave me a payoff amount of {$24000.00}. XXXX XXXX XXXX XXXX cut me a check dated XX/XX/2018. The check was mailed to XXXX the same day. It took XXXX weeks to locate my payment stating since they hadnt received my payment within the 10 pay off balance, I owe an addition {$85.00} ( interest fees ). I complained about that because my check clearly states the check date and the check date is well within the 10 payoff. My car has been paid off in Total with XXXX XXXX since XX/XX/2018 and they have not updated my payment status since XX/XX/2018. Since XXXX has not updated my credit since XX/XX/2018 it appears as if I have 2 car loan with 2 different companies. This is affecting my credit severely by increasing my debt and lowering my credit score. I have since contacted XXXX a few times asking why my credit has not been updated. They stated they have been having issues with their system and my credit will be updated by the end of XX/XX/2018. It is now XX/XX/2018 and my credit has still not been updated. Now, if I was late on my car note payments they would have no issue with reporting this to all 3 of the credit bureaus. Im attaching my proof of payment and I want my credit update immediately.

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 2022-08-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A, states I have a right to privacy.

15 U.S.C. 1681 section 604 A, also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
Company: Experian Information Solutions Inc.
State: NY
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:
To whom it may concern, I had signed on my XXXX XXXX account on XX/XX/XXXX and noticed hard inquiry 's I never authorized or signed up for. I am looking to have these removed as this is fraud and someone was trying to use my personal information. I just tried calling up some of these companies and they all pretty much said I have to dispute here in order for false inquiry 's to come off credit report here are the ones I do not recognize and believe them to be fraud ... I would like these to be removed from any credit card reporting agencies as I did not do any of this and it is inaccurate. 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/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 2021-12-09
Company: EQUIFAX, INC.
State: SC
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Hard inquiry on my credit report, I was approved for a credit card from the company and did not appear as a hard inquiry. A few weeks later, randomly, a hard inquiry from capital one appeared on my credit report. Tried to fix this problem with the bank, they Can not help me. It i

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Our Bank of America Visa was compromised. We were contacted by BOA and they issued us new cards. We have automatic payments on our account set up. We changed nothing. When the next billing cycle came about, they deducted the bill amount twice. They took two payment for the same amount due ( {$5300.00} times two ) on XXXX XXXX. I called them on XXXX XXXX when I saw my bank account statement. Bank of America was unapologetic, took no responsibility but said I would get a refund in 3-5 business days. After a week, I still have not seen the money they illegally took. 
This is a business that makes money by charging interest on loans, yet they went into my account and took out thousands of unauthorized dollars, giving themselves an interest free loan. This is corporate theft!

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 2021-09-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Commercial Recovery Systems
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted on XX/XX/2019. THe person gave me a last four of SSN and birthrate and I told them the debt was not mine. 
The person immediate called me back then called another company number asking to speak to my boss. Then they called me back asking to speak to my boss. I asked them for information regarding the debt which he failed to provided but claim to be sending to my boss. I asked for his address so I can contact them in writing and tell them I am the wrong person. He gave an incorrect address and birthday and I again informed them the debt was not mine. 

File # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-03-01
Company: Nelnet, Inc.
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed for Identity Theft a few yrs back when my luggage was stolen in XXXX, GA. I and have disputed these accounts for several years but still no one have resolved the issue as of yet. Its preventing me from moving forward with purchases as well as preventing me from purchasing a home. I have incorrect street addresses, fraudulent accounts, and incorrect job information. I was incarcerated during a few of these years that have dates of the initial loan disbursement. If you could please bring some type of resolve on my behalf so I can finally begin to live without getting harassed by the bureaus for some accounts that doesn't even belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company Fair collection & outsourcing has been trying to collect on a debt for an apartment that I paid to the apartment complex, I have sent several letter to Fair collection & outsourcing asking them to send me documentation showing that I owe the debt and if they are licensed to collect in my state. I looked them up on the website in they are not licensed to collect. They have failed to comply with what I was asking. They did not update my credit report showing in dispute.

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 2019-02-11
Company: Conn's, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid off the collection CONNS XXXX, but it is still showing on all three credit bureaus as a derogatory mark due to past late payments. This is hurting my credit score and need it removed permanently. I am in the process of buying a home and this collection is hurting my chances of receiving a loan.

Company response to consumer: Closed with explanation