BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-16
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have inserted an email communication below that contains the history of what happened with our Morgage company. In addition to what is below, we have since recent bank statements and more details 3 times. Each month the company either claims the statement is not sufficient to get the payment properly applied and credited even though they accepted and cashed the eCheck. I have spent more than 10 hours of time on the phone with the morgage company customer service reps. Each time I'm assured it will be resolved if I just submit my info but then the next month it all starts over with a threat letter about defaulting. Below you can read details and specifics about the initial actions. 


Attached please find proof of payment for loan number xxxxxxxxxxx, which is for the property at XXXX XXXX, xxxxxxxxx, VA XXXX. 

The loan is under my husbands name. 
XXXX Bank Information XXXX Bank Routing Number : XXXX Account Number : XXXX The XXXX payment was apparently sent to the wrong address using my XXXX bank bill pay services. The correction of address has been made for any upcoming payments and was successfully transmitted for the XXXX payment. 

After speaking to your customer service, it was requested for me to send proof of payment from my bank account for the XXXX payment that was sent to the incorrect address. Freedom Mortgage did cash the check sent by XXXX bank, but my account was not credited. 

Enclosed find a XXXX statement which shows the transaction cleared on XX/XX/XXXX. I am also enclosing a screen shot of the part of that statement which shows that transaction highlighted. 

If you need any further information, please let me know by calling me at XXXX or my husband XXXX Regards,

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-07-28
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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:
Subject : Concerns Regarding Retail Installment Contract as a Negotiable Instrument Dear Credit Acceptance, I am writing to address several concerns related to my retail installment contract, which operates as a negotiable instrument under our agreement. 

A negotiable instrument is a document guaranteeing payment of a specific amount of money, either on demand or at a set time, and can be transferred from one party to another. When XXXX sold this contract to Credit Acceptance, the contract effectively transformed into a negotiable instrument. This process of 'negotiating ' the contract allowed Credit Acceptance to become the new holder of this instrument. 

However, I have several concerns about potential violations of the XXXX XXXX XXXX ( XXXX  ) and the XXXX XXXX XXXX XXXX XXXX XXXX  ) in the processes and agreements related to this contract. 

Firstly, I believe there may have been a violation of UCC 1-201 ( 20 ), which requires full and accurate disclosure of contract terms. XXXX, as the original seller, did not provide complete and truthful disclosure of the contract and financial agreement terms. Furthermore, I was unduly coerced into paying a down payment under conditions not uniformly applied to other customers, potentially contravening XXXX XXXX that deals with unconscionable contracts. 

In regards to XXXX, its key purpose is to ensure the informed use of consumer credit by requiring disclosures about its terms and cost. If full disclosure was not provided, as appears to be the case, this could constitute a breach of XXXX. 

Moreover, I have experienced issues with Credit Acceptance, including coercive practices related to recurring payments and issues with the enforcement of the arbitration clause. My vehicle was repossessed from my private property without peaceable means, potentially breaching XXXX XXXX which outlines the secured party 's right to take possession after default. 

Concerningly, if Credit Acceptance is not licensed or registered in any U.S. state, it could potentially be in violation of state-specific financial regulations and licensing requirements, which vary from state to state. 

Considering these potential breaches and their impact on me, both financially and emotionally, I believe I am entitled to remediation under XXXX and XXXX regulations. 

I request a thorough investigation into these matters and expect appropriate remedies to be provided. I retain all rights under state and federal law to pursue this matter further if satisfactory resolution is not reached. 

Best Regards, 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 2018-02-12
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: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax regarding them not reporting two credit card accounts that are reporting on XXXX and XXXX. The accounts are XXXX XXXX account # XXXX and XXXX XXXX XXXX XXXX account # XXXX. I am not sure why Equifax is not reporting the accounts, because the company has sent them the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The ACCOUNT ABUSE REPORTED BY XXXX XXXX  ON MY CONSUMER REPORT IS THE OVERDRAFTS FRAUDULENTLY CHARGED TO MY DEBIT CARD ACCOUNT. I DID NOT HAVE SUFFICIENT FUNDS TO PRICES INSTRUCTED TRANSACTIONS. XXXX XXXX  ALLOWED PROCESSING AND THEN CHARGED {$30.00} IN OVERDRAFTS FOR THE NEXT 4 MONTHS. I FILLED REPEATED COMPLAINTS, DISPUTES, AND FRAUD REPORTS. AND STILL XXXX XXXX  LABELED THE {$130.00} AS " CHARGEBACKS '' AFTER REVERSING CHARGES FOR CONSUMER RESOLUTION AND THEN REPROCESSING SAME INSTRUCTION TRANSACTIONS ON AN ACCOUNT THAT HAD INSUFFICIENT FUNDS. AND THIS Fraudulent unfair REPORT IS PREVENTING MY ABOUT TO OPEN BANK ACCOUNTS AND CASH CHECKS ISSUED TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Debt Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently got a letter from Debt Recovery Solutions LLC saying I have a debt for {$890.00}. 
This debt doesnt belong me I havent done business with this company for me to have a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: BlueChip Financial
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from this woman who claimed to be serving me papers, I saved the VM on my phone, she was beyond rude and told me she was going to call my place of employment, in which she did and spoke with my boss XX/XX/2018 how embarrasing over a payday debt in which I tried to resolve payments with the actual company since this woman is calling from a private number saying she was a third party collector for her client XXXX, this was for a XXXX payday loan, I immediately called this number XXXX that they told my boss they were coming to my work to serve me papers. Like a fool, they got me, I called back and spoke to a XXXX XXXX who said we were being recorded which I was okay with. He said his client would settle for XXXX and then I proceeded to give him my debit number and agreed to XXXX month per month to make good, then I received an email confirmation showing that they were settling for XXXX??? I called back and this woman, probably same one was very rude, I told her I agreed to a different amount and that I was being recorded I told her good replay it back so I can show them. This document they sent me doesn't even look legit, how do I know if they are real????

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021, we completed the closing signing of legal documents on the refinancing of our mortgage to a lower rate. Before we started the signing, we gave the fiduciary agent our closing cost payment of {$110.00} via check # XXXX. 

On XX/XX/2021 we were notified that our closing cost was not paid at the time of closing by the title company, XXXX via secure email. I responded back with an email stating to their representative that we gave the funds of {$110.00} via check # XXXX to their fiduciary agent. 

I notified our Wells Fargo closing agent of the situation above via email and by phone on XX/XX/2021 of the situation. He, our Wells Fargo closing agent, filed a complaint with the executive office at Wells Fargo - complaint # XXXX. To date, a month later, XXXX states they have not found our paperwork. We received a letter from Wells Fargo that our rate lock would expire on XX/XX/2021. 

All of our sensitive personal information, checking account, SS # 's, Drivers Licenses, Credit reports, were included in the legal documents lost by the fiduciary agent from the title company. Legal documents executed by my husband and I along with the check paid at the time of our signing the legal documents have been lost! It's been a month now and we still don't know who has our information. Wells Fargo, as well as XXXX continue to be lax in moving to rectify this situation. We need to resign the paperwork and Wells Fargo needs to honor the contract or cancel our current mortgage. It is because of the Wells Fargo agent who stated, " I can't tell you who do choose but this company, XXXX the most reputable of the three ''.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following accounts on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 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 2021-06-23
Company: EQUIFAX, 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 sent the Equifax a dispute letter on XX/XX/2021, which included several accounts on my credit that were incorrect. They have not responded and today is XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any accounts which were opened without my knowledge, consent or authority within XXXX business days. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-11
Company: The Bureaus, Inc.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a collection on my credit report from The Bureaus , Inc. i have Made several attempts to call and pay a reasonable amount as this is not the amount of debt actually owed. 

When I call, there is no agent. I enter My social security number and Im sent to a completely different company, Indebted. No one answers the phone and you are forced to leave a message. No one ever calls you back. I am not able to pay debt because they refuse to call back. I have called for 2 months. No call back. 

So, I disputed the collection because they dont let you pay it, in turn the debt increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2017 Original Creditor XXXX XXXX XXXX collection agency Resurgent/LVNV Funding. I've disputed this on many occasions stating that I did not open this account with XXXX XXXX, XXXX and XXXX and yet the account remains on my credit file. With the latest news of XXXX XXXX data breach this further backs my complaint. Please advise this collection account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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 : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-02-24
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I disputed a charge on my Umpqua Bank Checking account from a motel I stayed at back in XXXX of 2021. They said they would credit my account after I submitted photos of the motel which I did and they credited my account back. In XXXX I went in to a XXXX Oregon branch to close my account since there is no local branch where I live. The teller noted the pending and said she want to " get the transaction right '' when she gave me the cash. She said my account would be closed by the next business day but instead she had overdraw my account. I tried to resolve this with umpqua bank but they refused and then they debited back the amount from the previous motel dispute. increasing the overdraw and adding nsf fees and refusing to listen to me. They then locked me out of my online access and turned me over to collections.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting 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 noticed in late XXXX early XXXX that I had inquiries on my credit report that were unauthorized/unverified. This was also around the time where I was getting my business together and was learning more of the business world. I realized that my credit score/credit report wasnt where I wanted it to be while also discovering that I had inquiries that I didnt know where 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 non-monetary relief
Consumer complaint received 2023-10-31
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Re : Never authorized inquiries nor applications for account number XXXX XXXX XXXX XXXX TD Bank, I never authorized a hard credit inquiry nor an application for a TD Bank Business Credit Card nor opening new cards.

Please cancel these cards and remove from all credit bureaus.

Attached to this complaint are : This complaint Copy of cards and letter you sent via mail FTC Identity theft report drivers license social security card address Please have this handled as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I pay capital one there XXXX off now there saying I owe XXXX. but not due till XXXX but report me to all XXXX credit B late payment but my payment not do till nov.when I spoken to customers service and supervisors. They see that and refuse to report to the XXXX XXXX XXXX that they made mistake her XXXX not do till XX/XX/XXXX but instead they keep jacking my credit up now with this late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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  Account # XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have not given consent to have my information published.

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