BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-02-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was approved on a loan modification on XX/XX/XXXX to start paying a mortgage in XXXX for a rate of $ 2.875 % 40 years to lower my monthly payment but after closing I receive a letter stating that I received a step-rate modification so starting XX/XX/XXXX the rate is increasing at 3.875 % then on XX/XX/XXXX will increase again at 4.875 % and on XX/XX/XXXX will be 5.25 %. So I am questioning was the purpose of the modification? if wellsfargo increase the to 40 years plus interest and the este of 2.850 % is only good for 1 month a the worse problem nobody never explained me about this increase over time, I agreed on the modification, thinking I will lower my monthly payment and lower the interest of the loan I was informed after the closing about this step-rate mortgage modification in a letter received in the mail. I feel this is a scam of modification and not helping during this COVID crisis to homeowners to lower the payment of the mortgage, I am Very disappointed with Wellsfargo, I need help to resolve it. A better modification that will help 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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX - XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$49000.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-09-06
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
We submitted a CFPB complaint regarding the status of our mortgage and the fact the we requested additional forbearance due to Hurricane Ida. Their response says " The above referenced account was previously under forbearance from XX/XX/XXXX through XX/XX/XXXX and again from XX/XX/XXXX through XX/XX/XXXX. If you wished to be reviewed for forbearance again you will need to contact the number listed below. The initial forbearance letter is enclosed. '' We requested an extension of the forbearance on XX/XX/XXXX ( as instructed by SLS ) and got a response on XX/XX/XXXX that the request was forwarded. Then we heard nothing back. When I called in to see the status the agent I spoke with made it sound like it was too late -- which made no sense to me. If this had been addressed correctly we would not be in this position. As a XXXX XXXX mortgage we are able to get 18 months of forbearance in total -- the additional 6 months is what we are asking for. This would move our payment due date from XX/XX/XXXX to XX/XX/XXXX. We will gladly pay the full amount from XXXX, XXXX, XXXX and XX/XX/XXXX to have our mortgage to be reinstated. All we ask is that SLS honor the timely forbearance extension request. I am attaching the letters.

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 2022-02-20
Company: Experian Information Solutions Inc.
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:
TO WHOM IT MAY CONCERN Under 15 USC 1681 b -permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX XXXX XXXX NEVER gave XXXX XXXX XXXX XXXX EXPERIAN any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. Concerning the accounts linked below as a consumer demanding deletion of these accounts. XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/2020 My National Insurance number is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 2023-07-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All bureaus have most of my old addresses on them not just my current one. I have tried to remedy this online and get the message to call in. I then call and wait on extremely long holds, or get transferred around and another time was told to print a request form and mail it in. They don't make the process easy or quick. Credit repair can be a lengthy process and getting the run around by the bureaus just isn't fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
ok! trans union reports are incorrect! it has negative items that should not be there!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXX  XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report 1 of XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this 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 explanation
Consumer complaint received 2023-01-21
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I received an email warning of an overdraft on my Regions personal checking account. As soon as I saw the email I checked my account on the Regions app and there were pending charges that were going to put the account in the negative by {$15.00} and some change. There was not an overdraft fee yet, so I did an INSTANT transfer of {$14.00} from my XXXX account and {$5.00} instant transfer from my XXXX account. Then I checked the app again and it showed those transfers had gone through and that I had a positive balance by just over {$4.00}. 
Today, I checked my account again to find that it now shows I have a negative balance of - {$20.00}. I haven't made any new charges. They moved my {$14.00} and {$5.00} deposits to pending along with a charge of {$5.00} and added an overdraft fee of {$36.00} to yesterdays transactions. They've done reordering of items to maximize overdraft fees before but adding a fee and changing instant transfers to pending a day later to put me negative is new. And by doing it this way they've got the {$5.00} charge there so they can get me with another {$36.00} fee. 
I called Regions today and told them the situation and asked them to remove the {$36.00} fee. They said they can't do that and there's nothing that can be done. They also confirmed the {$5.00} charge thats showing pending will incur another {$36.00} fee as well. 
I know this is illegal and they have a history of intentionally making customers pay as much as possible in overdraft fees which is evident by the rulings in XXXX and XXXX for this exact behavior.

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 2022-02-20
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022, I attempted to get financing for a transaction with XXXX through TD Bank. Unfortunately, an error told me we were unable to connect at the time. I handled the transaction another way. I learned later on XX/XX/2022 that TD Bank had placed a hard inquiry on my credit report - which will persist for XXXX years- causing my score to decrease. I received no decision from TD Bank, no benefit, and no notification. TD Bank acted wrongfully here. I should have been notified directly regarding any decision- as is my right. 

TD Bank WILL remove this inquiry from my report, immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: Caliber Home Loans, Inc.
State: PA
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:
First, the status of limitation is complete involving relationship with your Caliber. Second, your company has not receive payment with me since XXXX. Third, XXXX sold the mortgage to Caliber in XXXX of XXXX. XXXX, I had to restart modification over again. My reason for modification was to remodel the home to accommodate my husband, which fell down the step twice, which was already a XXXX XXXX XXXX. I had to move in XXXX of XXXX because there was no response to the modification in timely fashion and husband condition worsen. I had already moved before Caliber agreed to give a modification. Five, never receive one dime from me and reporting payments never obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

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 2020-01-10
Company: Specialized Loan Servicing Holdings LLC
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My husband and I secured a HELOC from XXXX in XXXX of XXXX for the purpose of buying and selling property. The note was purchased by Specialized Loan Servicing. I don't have the exact date of the purchase, but my memory is that it was approximately two years ago. We recently sold a piece of property, and with the proceeds, wired {$65000.00} to an intermediary XXXX XXXX account that SLS utilizes on XX/XX/XXXX. The appropriate routing and account numbers were provided to me by SLS. Over the week and a half that followed, I called twice to see if the funds had been credited to our account, being assured by the person on the phone that these things take time. During these calls, I would verify the routing and account numbers. Finally, on XX/XX/XXXX, I was told by SLS that they had not received the funds. I was quite alarmed, and called SLS several times that day, with no satisfaction. Then I called my bank, and my banker called SLS and verified the routing and account numbers with me conferenced in. My banker was alarmed by the blas attitude of the SLS agent. My banker proposed that we allow SLS until Friday, XX/XX/XXXX to rectify the situation, then initiate a reversal of the wire. No word came from SLS on Friday, so a reversal was initiated. As of the writing of this complaint, no word nor satisfaction has come from SLS.

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 2021-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, someone tricks us get to our credit card account. When we realize what was happening, we immediately call the Bank Fraud Dept. They lock the card.

On the XXXX, we went to a physical branch to ascertain the correction. We learned that a charge of {$200.00} x6 was put into our account ; Two ( 2 ) went through, four ( 4 ) were pending. They assured us that the four ( 4 ) were stopped, but we were not responsible for the two ( 2 ) because we called on time. On the XXXX, they remove the two charges. To our surprise, we received a letter on XX/XX/XXXX telling us, they reinstated the two ( 2 ) charges because the merchant provided documentation proving we received the merchandise. In essence, telling us we thieves and liars ... 
We have no idea what sort of merchandise is involved. They say the transaction was done outside of our city. We try to reason with them, just the 6 times repetition of whatever the purchase was should be a red flag. It seems that we are too insignificant to provide a convincing argument. So we resort to your office to intervene in such abuse of power ... .Sincerely 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 2022-02-20
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Discover continues to deny me credit due to a prior Discover Card Account that was discharged under XXXX XXXX Bankruptcy on XX/XX/2020 in the United States District Court District of Minnesota Bankruptcy Court. Discover shouldnt be denying me credit or still holding me liable or responsible for a previous Discover Card Account that was discharged under XXXX XXXX Bankruptcy in bankruptcy court. I have a right under federal law to a fresh start, and a right to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent the attached letters to TransUnion, XXXX, and XXXX requesting an investigation of the erroneous accounts currently being reported on my credit report. It has been over 30 days and they have yet to provide me with the investigation results and by law if the CRA 's were not able to verify the derogatory accounts within the time allotted, the accounts must be deleted from my report. I am filing a complaint because the negative accounts are hindering me from obtaining credit and I am trying to purchase a home. The unverifiable accounts are : TransUnion - 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Company says I owe {$270.00} when I paid the account off. 
Called XXXX on XX/XX/2023. XXXX said it was paid 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 2018-08-08
Company: Experian Information Solutions Inc.
State: MI
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:
a Company call XXXX showed up on my consumer credit report on XX/XX/2017 as " XXXX XXXX ''. Their address is XXXX XXXX XXXX XXXX XXXX, NJ XXXX phone number, ( XXXX ) XXXX. I NEVER applied for XXXX XXXX from this company, never.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
There fails information on my credit report that i have asked trans union to remove numerous time 's and sent numerous letter 's to them even called them an nothing has been done, and not to long ago my credit was locked on 4 different occasions, that i did not do. my identity was stolen twice last year and do you think trans union did anything about it? XXXX NO. THATS WHY IM GLAD THEY GOT SUED FOR DOING THIS TO US, I'VE LOST OUT ON XXXX XXXX XXXX CAUSE OF THERE XXXX AN XXXX WAY OR ANOTHER I WILL GET MY MONEY BACK YOU CAN BET YOUR XXXX ON THAT.

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