BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-09
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have a number of accounts I have disputed on my Experian credit report and they come back with the results telling me they have been deleted from my report but when I search the report again a few week later or a month later and guess what? I have a new collection account - that same account I just had removed! 

Is this at all legal? Why do we take the time to document, create a dispute to have an entry investigated, then removed to only have it put back on the next time around. 

It will beat someone down after the 4th or 5th time!

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 2019-01-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Someone been using my credit applying for credit and adding accounts to my credit. In XXXX and XXXX I contacted the credit bureaus and tried to resolve this and they won't do it even when I filed the identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Some one is using my SSN to pull credit/credit card. I have a lot of inquiries and have not been removed.

This inquiries need to be remove, if they can not show proved of contracts etc. I also have freezed all 3 bureau.

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 2018-06-11
Company: Experian Information Solutions Inc.
State: OH
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:
I have been a victim of fraud and a data breach. I have inquiries on my credit report that were not made by me. I did not apply for credit from any of these companies listed below. 

XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/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 explanation
Consumer complaint received 2019-01-21
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX. XXXX XXXX XXXX thx XXXX XXXX Loan XXXX Continue harass my family with threats of foreclosure.

Every year they harass me about flood insurance and policys This year they harass me about annual occupancy certificates.

Even though Ive never received any communication from them they threaten to foreclose on my property for failing to fill out a form that Ive never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian is reporting a collection with XXXX XXXX in the amount of {$420.00} and I never had any type of XXXX  bill for almost 500 dollars. This has got to be a huge mistake and it needs to be deleted.

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 2020-05-09
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my income check on XX/XX/2020 at XXXX at a bank branch ATM. There was no disclosure that they would place a hold on my account. This has negatively affected me. I am not able to pay my bills, go grocery shopping, etc. I am now going to incur late fees due to this. 

I called into the bank to find out when my check will be released and they stated by XX/XX/2020. This is unacceptable. There should have been a disclosure on the ATM machine. There should have been disclosure on my receipt. Nothing. Not one thing in writing giving me an option to not deposit the check and taking it to the bank on the check to cash. If I would have been given this option, it would have avoided hundreds of dollars in late fees. 

Co-America Bank should be required to give dates of release and notification that a check will be placed on hold. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper sends warnings that my mortgage has not been payed. I submit proof that it has been paid. An email arrives announcing that the monthly arrived. I receive letters and emails every month stating I owe the payment plus late fees. However, the payment is taken directly from my checking account twice a month by XXXX  and I show proof of the deductions every month.

I sent a certified letter to customer relations asking for help. There has been no reply.

I refinanced last XX/XX/XXXX. The previous lender Mr Cooper and XXXX deducted the payments prior to refinancing.

I just received a letter stating that a transaction on my account has resulted in us placing funds in an unapplied funds account. 
Account number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: VW Credit
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
We traded in our XXXX in early XXXX. We received a letter from Volkswagen Credit XXXX XX/XX/2020 stating our loan had been paid off. On XX/XX/XXXX, we saw we had a pending payment to Volkswagen Credit for the loan that was already paid off. We called Volkswagen Credit immediately and were told that the payment would have to go through. They would refund the money in two weeks. I said that since the money should never have been taken out in the first place, it should be refunded immediately. The woman said that would happen. Today, XX/XX/XXXX, I called again to check on the status of the payment. Nothing had been done. A second woman said she would request the payment be XXXX XXXX  and we should see it be the end of next week. I asked that we receive the money on Tuesday since this money should never have been taken out of our account. 

Volkswagen made two errors. The first was not terminating the automatic payments on a timely basis. I would think that would have been done that when the paid off letter was sent to us, XX/XX/XXXX. The second one was not refunding us our money on a more timely basis since the money should never have been taken from our account in the first place. 

Volkswagen Credit should have the letter sent to us along with recorded calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-06
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my loan XX/XX/2021. Sun Trust internal processes allow for 30 days to process loan payoff and lien release. It has been 48 days and they still have not processed the payoff or the lien release. I have received NOTHING from Sun Trust/Truist other than a refund of my escrow account. I have made 3 calls and they have no answers as to when the payoff and lien release will be processed. This is not an isolated incident as I have had numerous problems over the years with the way Sun Trust serviced my loan. Some companies should not be allowed to be in the Mortgage business and this is one of 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 2023-05-18
Company: EQUIFAX, INC.
State: IL
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:
I have found the following inquiries on my credit report recently, none of which I have authorized. I have frozen all 3 credit bureau 's until this is resolved. I want all of these deleted as this is inaccurate reporting and negatively effecting my life and my ability to get a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX ... their actual and sole collection branch ). Never has an agency ( XXXX ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : Transunion, XXXX, XXXX  ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : XXXX obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed XXXX. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXX XXXX ) and after months of their ( XXXX XXXX ) inaction we agreed to payment and have made current payments. XXXX agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? 
Type of disputed information : Access to the credit bureaus by XXXX while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. XXXX is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. 

This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. 

They have been sited in the past by the XXXX  in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for XXXX to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.

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 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
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 a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately : 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 2020-06-25
Company: EQUIFAX, INC.
State: NE
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:
They are reporting a collection account on my Equifax credit report for XXXX XXXX XXXX in the amount of {$220.00}. This is not my account and is id theft. This collection account was already removed from my XXXX credit report. I have disputed this item several times with the credit bureau and the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. Its been over XXXXdays so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
As of XX/XX/2021, XXXX/LOANCARE LLC has not fully resolved my prior complaint with the CFPB. The company still has my principal and interest payment at {$2200.00}. This is incorrect. In the loan modification correspondence ( see attached ) dated XX/XX/2021, LOANCARE , LLC. stipulated that my principal and interest payment would be {$1900.00} effective XX/XX/2021. The first payment was due on XX/XX/2021. They fixed the escrow piece that was incorrectly processed by their escrow department and lowered my escrow payment to {$950.00} via the escrow analysis dated XX/XX/2021. However, the escrow department failed to have the updated principal and interest amount in the new escrow analysis that was stipulated in the loan modification documents. The escrow analysis ( see attached ) stated my total mortgage payment is {$3100.00}. This is incorrect. The totally mortgage payment should be {$2800.00} based on the modified principal and interest, plus the new escrow amount. LOANCARE/XXXX  XXXX  XXXX should be shut down. Their handling of loans as a servicing company is unprofessional. I wish to be transferred to another company that will handle my mortgage payments with accuracy and care. This has been an awful experience, and I should not have to contact the CFPB to actually get things resolved.

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 2019-01-21
Company: EQUIFAX, INC.
State: AZ
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 is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX ... their actual and sole collection branch ). Never has an agency ( XXXX  ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : XXXX, Equifax, XXXX ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : XXXX obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed XXXX. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXXXXXX XXXX ) and after months of their ( XXXX XXXX ) inaction we agreed to payment and have made current payments. XXXX agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? 
Type of disputed information : Access to the credit bureaus by XXXX while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. XXXX is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. 

This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. 

They have been sited in the past by the ED-OIG in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for XXXX to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: ZIONS BANCORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened my accounts at the end of XX/XX/2020 with the local branch mamager and becuase I am XXXX anc cannor use online banking, I was told that the paper statement fee would be waived. I have a serveral witnesses that are willing to attest to this fact. Over the past few months, my account has been charged those statment fees, and the manager refuses to address the problem. Customer service also refuses to waive the fee as promised and reuses to put the stolen mpney back into my account.

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 2020-09-01
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 status incorrect

Complaint:
The account is old and closed. The car was purchase in XXXX and paid. And close XXXX and they charge it off with a balance of XXXX. They still have the account on my current report has open. The account is reporting on XXXX and Trans Union. The account was remove on XXXX XXXX credit report. Do to old account and closed.

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