BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have requested on numerous occassions to have the extra money I send in each month to be applied to the loan 's principal. Wells Fargo is future dating my account rather than applying these funds to my princiapl. In an effort to pay off this high interest loan, I have been making weekly payments of {$100.00} in an effort to pay off the loan quickly. I currently pay through my bank by auto deduction payments. So, for four years I have been paying the loan off by paying {$400.00} per month ( {$100.00} a week ) therefore, {$5200.00} a year. Wells Fargo is future dating the loan and also applying these extra funds to interest. 

I have called, written, complained, etc. to no avail.

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 2019-08-27
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My XXXX XXXX was current before I was in prison. However, when I was in prison my XXXX XXXX   case was closed. I was not receiving income. How I am ordered to pay XXXX XXXX why I am in XXXX? Missouri XXXX XXXX  XXXX was fully aware of this. I was not responsible for paying XXXX XXXX   why I was in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: CNG FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This complaint is about my personal information being inaccurate on my credit report. I've called TransUnion, XXXX and XXXX about them reporting the wrong addresses on my report and they haven't resolve it and refuses to fix it. 

I am seriously concerned about the wrong addresses being reported and can also can jeopardized my identity or lead to Fruad if has not already. 

This is my fourth attempt trying to get these items removed. 
I wrote 3 letters these dates XX/XX/XXXX, XX/XX/XXXX and I am sending a letter day and I also called them XX/XX/XXXX and they did not fix this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
5th 3rd Bank bought the servicing rights to my loan early last year ( XX/XX/18 ). I was informed in writing that nothing else would change with the servicing of my mortgage loan. The prior servicer, XXXX, provided me with a written document of my escrow balance and the payments for the year prior to the sale. 5th 3rd should have received all this documentation during their purchase of servicing rights. 

To my chagrin, I found out in XXXX that 5th 3rd had not paid my flood insurance premium in XXXX ( $ XXXX/yr ) even it was clearly part of the escrow balance documents. The way I found out about their error was that they called me in XXXX telling me it had lapsed. My discussion with them was that it shouldn't have been missed since it was their responsibility as the servicer to assure the escrow was properly handled. I immediately called my insurance company ( XXXX ) to find out what could be done. 

During my conversation with my XXXX, they told me that my area had been re-rated by FEMA.. Because of the re-rating, I wasn't required to have flood coverage anymore and they provided me with the documentation. XXXX also told me that if I wanted to keep flood insurance my rate would drop to $ XXXX/yr. So I called 5th 3rd back told them that I didn't want the flood coverage anymore since it wasn't required and provided the documentation of FEMA 's re-rating. They then sent me a letter saying that they instituted flood coverage and the bill would be $ XXXX/Yr! 

I have been diligent with dealing with 5th 3rd to resolve this issue, but they have not done so. I have all the documentation regarding this issue and provided those documents to 5th 3rd. They failed to service my mortgage escrow properly by not making the flood premium payment for 4 months and then they try to charge me $ XXXX/yr even though I am not required to have it anymore. Furthermore, I have told them that I did not want to have flood coverage anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX when my home was for sale with and agent there was a water leak that flooded part of my home. I informed Wells Fargo immediately when this occurred to see if I could get relief. Of course there was not response. I contacted my insurance company and they brought in equipment to dry the floors, but as they were wood, they were ruined in 2 rooms with some baseboard damage. I settled with the insurance company and informed Wells Fargo loss department that I had settled, pick out flooring at The XXXX XXXX and had a quote. The representative said they worked with XXXX XXXX all the time and I just needed to send the check and the quote and they would cut a check to myself and XXXX XXXX. I received the loss draft and overnighted it to Wells Fargo Loss Draft department on XX/XX/XXXX. After several calls and excuses by Wells Fargo they finally sent the check to me on XX/XX/XXXX. I had to then order the carpet and all the work was completed on XXXX. I requested the Loss Draft Department to apply the excess insurance proceeds to go towards my payments per my Note with Wells Fargo. If these funds had been applied as requested my loan would have been current. Instead they posted my home for foreclosure added attorney fees and demanded the payments even though they had the payments. Since that time I have been trying to deal with them to get the payments posted. Yesterday when I called them they said they were recording the call and again refused to post these payment and posted the foreclosure again for XX/XX/XXXX. Even though they acknowledged the work for the repairs was 100 % complete. This has caused buyers to avoid my home as well as causing extreme XXXX on my wife, her XXXX XXXX XXXX XXXX, and myself. I am XXXX years old and lost my job in XXXX. I have to take an entry level position and my income is only XXXX of what it was before. I am trying to get out of this loan and they will be completely satisfied when it sells. I was only trying to make a small amount as this was my retirement. If my only recourse is to sue them in civil court I am prepared to do so.

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 2020-08-19
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Early XXXX I drove from XXXX, Alabama and visited the office of XXXX XXXX XXXX in XXXX Alabama. During the visit I requested a series of lab panels. I received the results of the panels but there were no results provided for a cholesterol panel that I had requested. I spoke with Dr. XXXX XXXX regarding the missing cholesterol panel and he responded that no cholesterol panel had been performed. Approximately two months after the visit I received a bill from XXXX XXXX XXXX for the cholesterol panel. I called the doctor 's office to discuss the matter and was told that the person who had been doing the billing was no longer performing the services. I was also told that an error had occurred and that the cholesterol panel had been done. I told the doctor that I had never received the results of the cholesterol panel and that I had found a new family care doctor to provide the needed lab work. Dr. XXXX became angry and demanded that I come to XXXX for the results. I spoke to the doctor office 's new billing manager to try to get the matter resolved on several occasions. She explained to me that the billing manager had been fired due to administrative problems specific to billing and they were having to write off a lot of accounts I also learned that there was a connection between the entity performing the billing and the collections agency, Holloway Credit Solutions at XXXX XXXX XXXX XXXX Alabama XXXX ( XXXX ) XXXX. In XX/XX/XXXX Holloway Credit Solutions submitted account number XXXX to the three credit reporting bureaus as an unpaid balance of {$40.00} related to the cholesterol panel that I never received. I filed disputes with each credit reporting agency. This item has been removed by all agencies except XXXX. I have contacted Holloway Credit Solutions and XXXX  to have this item removed because the services were never provided and are believed to be part of a scam. Also, I never received the services. Due to the numerous complaints filed regarding the billing the doctor cancelled his membership with the better business bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08
Company: U.S. BANCORP
State: MO
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:
Earlier this year after making my complaint about paying on line alleging the practice was unfair and discriminatory towards people on XXXX and retirees US bank falsely reported my loan balance in an amount that was higher than what I actually owed them. After having no resolve with then I disputed the amount with the credit bureaus and submitted evidence ( my mortgage statement ) that my balance was not what US bank was reporting .... The credit bureaus corrected the balance. as of XXXX of 2016. a couple months later I noticed that US bank was not reporting my payments after that. I notified them of the problem but never got any real resolve. I had spoken with them on a few occasions about it however here we are 6 months later they are still not reporting my payments and the reduced principal balance. I have recently taken the initiative to report it myself by sending in statements of over the last 6 months showing the payments made and the reduced balance. It is my belief the actions of XXXX XXXX XXXX XXXX is retaliatory for my alleging what I then and now consider a discriminatory practice toward people who are on fixed incomes such as XXXX, ssi or retired because their online payment system penalizes people who do n't pay their bills on or before the first of the month due to being on a fixed income and I expressed offense when a representative suggested I pay an extra payment in order to avoid a {$5.00} charge to pay my bill on time online and I called the charge a late fee. I was refused proper direction as well when asked how to properly file a complaint regarding both matters

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 2017-12-08
Company: ALLY FINANCIAL 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:
On XX/XX/XXXX I was looking to purchase a new vehicle ( XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX and I decided to finance the vehicle. It was n't even 24 hours and I noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, I decided to return the vehicle the very next day because of this Issue And as of today XX/XX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX applied for me. XXXX XXXX and Ally Financial which are both Hard inquiries on my Credit Report. I did n't have the vehicle for more then 24 hours and It 's still on my credit report today XX/XX/XXXX. I hope this issue gets fixed. 


If you have any questions please do not hestiate to call me ( 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 2019-01-28
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:
HELP!!!! Need urgent reply. 
1. All 3 credit agencies were asked in writing and verbally to remove a medical collection of {$75.00} and show it was paid. I have cancelled check ( ck # XXXX payable to XXXX XXXX XXXX., that cleared my bank XX/XX/2017. Found out later they had turned it in to XXXX XXXX XXXX XXXX, and told XXXX XXXX XXXX that I paid it direct ) XXXX & XXXX  totally removed it. Equifax still shows that I owe {$75.00} to them and shows me as being delinquent by 2 yrs. 6 mths. I want this corrected. I have tried both by phone and in writing. 
2. I am also in process of getting a mortgage. I have done what is recommended by comparing 3 diff. mtg. companies, according to your booklet ( Your Home Loan Toolkit, A Step-by-Step Guide ) but now I have numerous hard inquiries being reported due to these mtg. comparisons. Except for hard inquiries, XXXX  has made corrections and kept all my report information accurate, but shows 9 hard inquiries in past 2 years ( more about this below in item # 2 about auto shopping ) XXXX  is showing 7 hard inquiries and Equifax shows the most at 11. Equifax has not corrected hard inquiries when I leased a car 2 years ago. In 3 days I shopped at 2 different dealerships. One pulled credit twice and the other dealership pulled 3 times, with companies like XXXX. 
In my planning to get a mtg over the past year, I have monitored my reports and had any errors corrected. In addressing these hard inquiries for car shopping, Equifax is the only one that didnt reduce my hard pulls due to car shopping within a 7 day time frame. The other 2 agencies made an effort by removing a few of them out of 5 auto hard pulls. Plus I never gave these dealerships permission to check multiple places. The salesman asked if they could check my credit and I said Yes. Now I have the same issue with mtg shopping. And all the pulls say they are for home mtg. 
My FICO score with XXXX, has dropped to XXXX. But my XXXX  has dropped to XXXX as of yesterday. And Equifax has dropped me to less than that at XXXX, all mostly due to the 3 mtg companies doing hard inquiries. 
3. NOW MY URGENT ISSUE!!!! 
I have been approved for mtg but the HOA requires a FICO of over 700 to buy/live in their community. They just received my application and will probably be pulling my credit today and they will most likely deny my application to live there. Until the mtg companies started their hard pulls all my scores were above 700. HELP!!!! I do not have calendar time to deal with this without help. Everything takes 30 days with credit reporting agencies. The HOA is not going to wait on that. However, help right now with any of this should pull my other rates up over 700 to where they before I Started shopping for a mtg.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
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: Account status incorrect

Complaint:
Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a debt from XXXX XXXX I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

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 2021-04-01
Company: EQUIFAX, 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:
There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

1. XXXX XXXX XXXX {$120.00} Shows charged off. I never opened this account. 

2. XXXX XXXX Balance {$490.00} Shows closed. I never opened this account. 

3.XXXX XXXX  Balance {$0.00} I never opened this account 4. XXXX XXXX Balance {$0.00} I never opened this account 5. Department of Education This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late.

6. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX XXXX. Again I never had any open account for XXXX  XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills. 

There are also several inquiries, I have not applied for any new credit in the last 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I had opened a chase account under the empreasion that if you opened an account and had direct deposit you where suppose.to.recive XXXX dollars in 10.days i have not recoeved the XXXX dollars yet and i have had 2 pay checks aleeady and i get paid through direct deposit ... i.called then on 2 occosionsand rhey said it waa pending and its been 4 days and i have not gotten it yet either please help!!! Thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-28
Company: BB&T CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018 I contacted BB & T to see why PMI was not removed from my mortgage. They responded and said that I did not qualify for removal. When I refinanced through them, they indicated that they would use the original appraisal amount of the house since the original mortgage had not been that long ago. No new appraisal was required. When I made this inquiry they said the value of my house was {$100000.00} less than the appraised value. This was done randomly as they conducted no appraisal or evaluation of the property. Since they fraudulently devalued my house by {$100000.00} PMI couldn't be 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 explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions 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:
I WAS NOT LATE ON MY AUTO I WAS SICK WITH XXXX XXXX  PLEASE HELP TO UPSDATE MY CREDIT I ENCLOSED PROOF

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 2019-01-28
Company: DISCOVER BANK
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, I received an e-mail from XXXX  customer support that my XXXX account was accessed without authorization. Someone had made a purchase of an item and I was charged for it. XXXX secured my account, and I saw the purchase transaction on my Discover Card, which was completed via XXXX. 

I called Discover Card and notified them of this fraudulent charge on XX/XX/XXXX, and filed a complaint on-line with the message from XXXX as proof of my claim. On XX/XX/XXXX Discover Card reversed its decision to credit my account and kept the charge on my card, saying they have proof from the merchant that I indeed did make this purchase and was sent to my home address. 

I contacted my attorney 's office about my situation, and on XX/XX/XXXX they sent a letter on my behalf to Discover Card regarding this fraudulent charge. On XX/XX/XXXX Discover again refused to credit my account, saying there is still insufficient information to overturn their initial decision and continue with the dispute. I have several attachments showing the various correspondences between myself, Discover Card, and my attorney 's office.

Company response to consumer: Closed with monetary relief