BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-23
Company: WELLS FARGO & COMPANY
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
The XXXX  direct deposited our stimulus  check into a Wells Fargo account that we've never had ... when I call Wells Fargo and give them the account information they say they've never had an account like that ... .I have put in and waited on XXXX tracers ... still haven't got any answer and no money ... it was mine and my husband 's -- XXXX XXXX XXXX XXXX XXXX XXXX it was a XXXX check ... I have the account information that the XXXX give me and it's an account with Wells Fargo and herei Is the account and routing number they supposbky deposited into ... XXXX ( routing number ) XXXX..also Wells Fargo says they don't have account numbers that long ... when I liked this up online it said it was a wire transfer??? IDK but we have not received and we've tried for a year to get our money and I don't know what to... .please help me... .my Gmail is XXXX and phone number isXXXX.thank you so much

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 2020-06-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a new XXXX and it was to have 90 days to make the first payment. I bought this car in mid XXXX. I received a bill with a payment due at the end of XXXX, well within the 90 days. There is nothing on this statement indicating the payment is not required by XX/XX/27.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received a refund from my Insurance company ( XXXX XXXX ) and I called asking why I received a refund and they said that they cancel my policy due to non payment from Rocket Mortgage. But because there was an issue with the first check, Rocket Mortgage sent out the second check the next month. But the check did not arrived in time and my insurance was cancelled. I called Rocket mortgage to fix this and they dial my Insurance company to get this reinstated and made sure that no fee will apply to me. Then I received a letter stating that I will be charged {$72.00} due to lapse in insurance between XX/XX/2022 to XX/XX/2022. On XXXX XXXX called asking about this issue and they said it was a valid charge. I then called XXXX XXXX to explain about this issue. I have paid my monthly mortgage/ escrow account in a timely manner but because Rocket Mortgage failed to confirm that my money has reached my insurance in a timely manner, I will be charged {$72.00} and insisted that they are not at fault because they sent it out in time without confirming payment. There is no receipt confirming payment or anything from XXXX XXXX. But because I am the burrower, they want to charged me this {$72.00} fee due to policy. I then called again today ( XX/XX/XXXX ) and spent over an hour having this conversation with Rocket Mortgage and their argument is that this is a valid fee due to them just sending out the money and I am arguing that this is not a valid fee due to Rocket Mortgage negligence to confirm payment. They refuse to remove the fee and they wanted my insurance to extend the coverage to those dates in order to remove it. I told them the insurance will not do it and I even call the XXXX XXXX agent that is assigned to me and confirm that they can not extend the coverage. They insist that they want to make the phone call but I ask them what happen if XXXX XXXX refuse to extend the coverage? Their answer is that they will still charge me {$72.00} due to the reason still being " Valid. '' Now I am still waiting for their call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reached out to the Credit Bureaus and the Company TideWater XXXX back in XXXX about their inaccurate reporting to my credit they still continue to report negatively to my credit. They reporting that the amount is {$8600.00} on one credit bureau site then a total different amount on another. I have tried to get this situation handled with them ignoring my request over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: HANCOCK WHITNEY BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, I opened a Hancock Whitney checking account on XX/XX/2021 with a promotional offer, code XXXX. 

To this day, I still have not been able to access my account. It logs me in and pushes me back out. Sometimes, it will display a error message. 

So far, I only received a letter, acknowledging that I opened a new Access Checking account and a new debit card. I do not know my account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Law Office of Michael J. Scott, PC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The recorded caller does n't identify who they are with. The recording gives a name that I do n't understand but does n't sound like our name. A XXXX of the # reveals XXXX XXXX XXXX XXXX. This happens XXXX a day, every day. It rings XXXX times and stops. I 'm tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 non-monetary relief
Consumer complaint received 2020-11-05
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:
I have 2 inquiries on XXXX  and 1 inquiry on Transunion that do not belong to me and I have reached out to the banks and they told me they will remove it and that I should also to reach out to the credit bureaus, I have done so. As of today they are still on my report. This is causing me major damage in obtaining a mortgage and financial damage. 

The inquiries are : XXXX XXXX and XXXX  on XX/XX/20 XXXX XXXX XXXX on XX/XX/20 TRANSUNION

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 2021-04-08
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Enhanced recovery company address is XXXX XXXX XXXX XXXX Florida XXXX I see on my credit report have a past due balance of {$780.00} I do not know this company I've never done any business with this company this company does not have any contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have tried on numerous occassions to dispute information regarding my mortgage being part of a bankruptcy as I have never filed for bankruptcy. There are 2 mortgage accounts showing up and I have only had 1 home loan. This has messed my credit up along with the rest of my life as I have not been able to be approved for credit and other positive services. The bankruptcies appear as of XX/XX/2022 and XX/XX/2022 the month that I actually sold my house.

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 2022-01-11
Company: ProCollect, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On the XXXX of XX/XX/2019 I left my apartment in XXXX ( XXXX XXXX ) unbeknownst to me I owed money, this is due to a lack of communication on the property management team. ( noted on my XXXX reviews ) They assured me all my debts were settled at the final walkthrough. XXXX month later I see a collections notice on my credit report. I did not receive any notice at my new address from XXXX or the collections company ( pro collect ) even though I left a forwarding address. As soon as I found out I owed I paid on the spot. 
The collection became visible in XXXX and by XX/XX/XXXX I made a payment in full. I pay all my bills on time, car utilities etc .... I called procollect to question the validity of this and they switch on to full predatory mode and gave me a week to pay, I didn't have a problem paying however they didn't care, they threatened people with saying someone is refusing to pay if its not done within their timeframe. I Should not have to suffer because of predatory and non communicative individuals. Especially when someone does not have a history of defaulting on their payments. the highest balance I had on the debt is 0.

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 2022-09-01
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In my previous dispute against Equifax, they responded that the collections, charge-offs, and late payments were all verified as accurate. I would like to know what method of investigation was used to verify the accuracy and validity of the disputed accounts? 

According to 15 USC 1681b section 1 & 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given to furnish these fraudulent accounts? This is aggravated identity theft and defamation of character. I have not been able to qualify for a loan for my house because of these unfair and inaccurate practices. I will reattach the previous dispute letters and affidavits so that you can use them as a guide as to which account/inquiries should be removed and DO NOT add a fraud alert. My next step is civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but TRANSUNION failed to send me evidence of the accounts in question.. XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Discharged 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 2019-03-27
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I was laid off from my job and called Ditech and told them I was struggling to make my payments because I was unemployed. I talked to quite a few people and no one offered any help at that time. 

In early XX/XX/XXXX I applied for a modification now that I am back on my feet and Ditech denied me saying I was not eligible because I can not be more than 6 months behind ( If they offered help in XX/XX/XXXX I may not be ) and because the amount after modification would be to much. All they offered me is a short sale and I want to stay in my house, I don't want to have to move my young kids. 

I want Ditech to help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First Federal Credit Control has listed as of XX/XX/XXXX, 2 accounts totalling {$1400.00} on my XXXX  report and 3 accounts on my XXXX report totalling {$1500.00}. I sent a certified Debt Validation letter giving them 30 days to respond. I have since filed a complaint with the XXXX, # XXXX in which First Federal acknowledged reciept of the certified letter on XX/XX/XXXX. The resolution i am seeking is validation of the alleged amounts. They responded to XXXX stating they could not find the accounts, spoke with a " XXXX '' who was rude and said that " My bills '' were in route and my debt validation letter was " Jargon '' that did not matter. I seek to have all listings from First Federal Credit Control removed from all 3 credit reporting agencies. They have not complied with my Debt Validation request giving them until XX/XX/XXXX to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: KY
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:
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question.. XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Chapter XXXX Bankruptcy Discharged 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 2022-09-01
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this CFPB Complaint today to follow up the previous CFPB Complaint I submitted last XX/XX/2022 because I bleive that the Credit Bureaus haven't still corrected my Credit File. The Credit Bureaus have failed to provide me copies of documents to serve as pproof of verification to suppport their claims that the disputed accounts are verified and reporting only accurate information on my Credit Report. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX Balance : {$1000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$2700.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$540.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
After depositing a personal check from another bank to open a new checking account at Regions Bank, I received a letter from Regions stating that " We have confidential information that indicates the check may not be paid '' and placed an eleven day hold on the account. Since the " check '' was a personal check from from me, they basically are suggesting that I wrote a bad check. I inquired from several persons at the bank and they advised that they were unable to provide me the nature of the " confidential information. '' One employee suggested that this notice is standard and originates with their '' Regions Check and Fraud Monitoring Department. '' Anyway for the bank to make a false claim in order to extend the holding period is WRONG! 

Personal Information XXXX XXXX XXXX Regions Account Number 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