BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-04
Company: Grant & Weber
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did receive a written notice, and it did inform me that if I did not dispute that I would owe the collected amount. I was provided services that I repeatedly tried to refuse, and therefore I was forced to undergo these services which told them over and over I could not afford to pay for and I did not want these services. 

If I did not comply and sign what they asked me to, I was not allowed to leave. I was also informed by the company who sent this bill to the debt collector, that I was not mentally well enough to be without care and supervision, which to my understanding means anything I signed during that time was due to the emotional impairment the hospital said I was under. They considered me legally not sane at the time, meaning anything I signed was due to emotional distress. Again, I was not allowed to leave until I signed papers which I was given no choice but to sign. I should not be expected to be held accountable for signing papers while under these conditions and under the understanding that I would be kept XXXX there until I complied.

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 2022-04-06
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XX/XX/2021, I took out a personal loan with Seedfi.com who bases their company on helping people build credit. The initial loan was for XXXX. XXXX was received upfront and XXXX was put into a locked savings account that would not be open for me to withdraw from until I paid off the loan. The FAQ questions on the website gave a vague answer that it would take " several business days '' for the savings to unlock. The loan agreement did not address it at all. 

On XX/XX/XXXX, I paid off my loan in full of around XXXX. The loan payment processed and the account showed paid, but my savings account was still blocked. I called the company and they told me that with large payments it can take 7-10 for your savings account to unlock. I explained this information was not in the loan document or on the website and that if that was the way it was ran, the consumer needed to know that upfront. There is no time guidance on the loan document. They finally told me my loan would release today. Nope. Now they are saying they don't know when the " system '' decides that. I can not talk to anyone who can release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
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: Their investigation did not fix an error on your report

Complaint:
I am disputing Bankruptcy XXXX on my Equifax credit report. On XX/XX/XXXX Equifax has stated that they were able to verify that the Bankruptcy is being reported correctly via XXXX. I have multiple letters from XXXX dated XX/XX/XXXX and XX/XX/XXXX stating that XXXX could not verify Bankruptcy XXXX and that they are no longer reporting Bankruptcy XXXX. How can Equifax verify the Bankruptcy using XXXX as their source when XXXX has no record of the Bankruptcy. I have attached documents from XX/XX/XXXX and XX/XX/XXXX that prove XXXX DID NOT verify Bankruptcy XXXX with Equifax and has even attempted to contact Equifax to have the Bankruptcy removed from my credit report. 

By continuing to report Bankruptcy XXXX on my credit report Equifax is violating the Fair Credit Reporting Act and can be fined up to {XXXX} per occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: CREDICO. INC
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/XXXX i was notified by credit collection bureau out of XXXX XXXX sd i was contacted on XX/XX/XXXX by XXXX who stated, '' this is a call from a debt collector. '' she then stated she was calling regarding a XXXX XXXX bill for my son XXXX, who is now XXXX but the date of service was XX/XX/XXXX which would of made him XXXX. she stated that there is not a judgement against me yet. i then explained to her she just violated hippa law as well as no mini miranda and the actual debtor is XXXX and was XXXX at the time of service. and i also did not like the threat of judgemnt against me considering it was not my debt. then on XX/XX/XXXX i recieved another call from a XXXX i very quickly stopped her she again no mini miranda i explained again i asked for the mailing address and she refused to give it i asked for a manager she said no one was available i insisted she find someone she then put on XXXX XXXX who stated she had seen everything in the notes from XX/XX/XXXX that this was a disputed debt they were calling on. i told her i will be pursuing legal action for several violations as well as notifiying cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are several creditors listed on my credit report that are not mine. Please remove them.

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 2022-03-11
Company: EQUIFAX, INC.
State: VA
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 filed a recent complaint against Equifax, but it is not in the CFPB system. Why not? 
The Complaint ID # was XXXX. Now I will repeat my original complaint. 
I have attached eight ( 8 ) letters that I have sent to Equifax since XX/XX/XXXX. 
I have repeatedly disputed two accounts : XXXX XXXX Bank XXXX and XXXX XXXXard Services. 
Equifax has repeatedly failed to comply with the FCRA in numerous ways. 
Equifax failed to inform me of the results of their investigation. 
Equifax did not perform its own independent investigation beyond what some creditor may claim. 
Equifax failed to mark either account as disputed by the consumer, which does damage to my credit scores because if Equifax had complied with the FCRA and marked my accounts as disputed, some credit scoring models do not negatively assess disputed accounts and my scores would not be lowered. 
Equifax ignored my questions in my XX/XX/XXXX letter. 
Equifax made false claims in my XX/XX/XXXX letter ; I did not indicate fraudulent items, I requested a re-investigation, which Equifax failed to conduct. 

These two ( 2 ) accounts must be deleted for inaccuracy and FCRA violations for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have a checking account with BanK of America. I deposited a check on the second week of XXXX, and by XXXX or XXXX of XXXX, it showed the amount being deposited and in the bank app, it shows that this money has come to my account. 
They guy who gave me the check asked for the money to be sent to someone else, so I transferred the money using XXXX XXXX. 
2 days later, this check bounced so I asked the bank to stop the XXXX transfer immediately and credit the money back. I narrated the whole incident to their call center exec. I placed this call on XXXX or XXXX of XXXX. 
10 days later ie about XXXX XXXX, they sent a message saying that the transfer was legit and everything was good with XXXX transfer. I lost {$1900.00} to the fraud. 
Fraudster involved with the case had this XXXX id ie XXXX ie XXXX. His phone is XXXX XXXX XXXX, other id 's used by him were XXXX and XXXX. 
Why does the bank show credit after 2 days, and reverse after 2 days. Why dont they credit only after the check money is received after 3 or 4 days? Why did they conclude that the XXXX XXXX was legit?

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 2021-05-19
Company: EQUIFAX, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI ERC/ XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband has already tried dealing with Wells Fargo ( WF ), but they would n't respond to him since he 's not on the mortgage currently. He already filed a complaint through cfpb, and WF has n't resolved our issue. Background : immediately after purchasing our home we contacted WF about removing PMI from our mortgage because we immediatly had XXXX of equity, therefore not needing PMI due to our loan to value ratio. My husband spoke to WF agents on the phone, and confirmed that we could do this, we just needed to pay for an appraisal. WF sent us a letter at one point ( attached ) showing options for removing PMI, and we went over these options over the phone with a WF agent, and the agent agreed that we are allowed to have PMI removed. After having an appraisal done, which confirmed we have adequate loan to value, WF responded and said that we do n't qualify to have PMI removed. WF did acknowledge their " mistake '' and they did refund us our appraisal fee. They have refused to remove PMI from our mortgage as previously promised. We believe WF has broken federal law in their lies to us during this process. We request WF to remove PMI like they originally promised, and to refund us the PMI fees we have continued to pay.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received and investigation results. 

The inquiry was not authorized XXXX XXXX via XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXXXXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Creditor : XXXX XXXX XXXX XXXX # : XXXX Late Payment Date : XXXX XXXX I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

Creditor : XXXX XXXX Account # : XXXX Late Payment Date : XXXX XXXX I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

Creditor : XXXX XXXX Account # : XXXX Late Payment Date : XXXX I was not a total of 60 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Please remove it from my credit report. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXL XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: ProCollect, Inc.
State: MS
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:
On XX/XX/2018, I disputed an account through XXXX XXXX from a collection agency called Pro-Collect. I have no knowledge of that account my XXXX, XXXX XXXX XXXX  credit reports. Less than a month later, XXXX XXXX notified me that the account was closed and marked as derogatory on my XXXX report but the information for the same account on my XXXX and XXXX reports are still open with negative remarks.

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 2020-04-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was notified that a direct deposit was sent to my account ending in XXXX on XX/XX/XXXX. To-date the direct deposit still has not posted to my account. When I contacted the bank they said they had no record of the transaction. Theyve continued to bill my account for service fees because of the low balance which is a direct result of theyre not posting my direct deposit. As a result all of my accounts are negative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-08
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: Account status incorrect

Complaint:
My vehicle was totaled in an accident on XX/XX/19. XXXX XXXX refused to respond to my correspondence via email about this issue, and instead reported to the credit bureaus that my car was repossessed/unpaid, etc. when that is not true. They also failed to look at my correespondences regarding my insurance issues with Personal Service Insurance Company ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: Freedom Mortgage Company
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband lost his job due to XXXX, and I was struggling to pay my loan. They told me that I could place my loan into forbearance status. I was approved yesterday for the forbearance. On that call I discovered that they added approximately {$30000.00} worth of fees to my loan. I believe this amount to be excessive. They told me that my payoff is now over {$130000.00}. When I began purchasing the home years ago, I started out closer to {$100000.00}.

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
Consumer complaint received 2017-12-26
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company Ditech assessed a late fee for a payment. According to the Ditech representative I spoke with, the only way to make sure the late fee is paid off without the payment going to the principle or interest on the loan is to pay {$19.00} to have a representative take the payment over the phone. 

This is an unfair fee to cover a late fee of {$70.00}. 
Other methods of sending in a check are no guarantee that the late fee will be paid according to the representative I spoke with at XXXX XXXX CST on XXXX XXXX, 2017. 

What is the purpose of this unreasonable fee for making transactions over the phone?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Last year when the pandemic start I was going through some financial issues job related but I still kept my payments up to date. Months later I received a notice from the credit bureau saying that I was 30 days late on my credit card payment which I found impossible at the time. I tried to contact XXXX XXXX without any success and still this 30-day late notice is a huge negative placement on my record. 

Although the reporting is current and positive at this time, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX to XXXX, Transunion, and XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.

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 2020-12-22
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: Account information incorrect

Complaint:
Account is reporting a late payment from XX/XX/2019 incorrectly. Credit card company XXXX XXXX XX/XX/XXXXXXXX said they would fix the issue and I sent the letter to the bureau and it still hasnt been removed.

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