BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX : Phoned in and requested a MIP/PMI refund based on PL XXXX, XX/XX/XXXX, 112 Statute 897, also known as the Homeowners Protection Act from Wells Fargo. Statute indicates not later than 45 days after the termination or cancellation of PMI/MIP requirements, all unearned PMI/MIP premiums shall be returned to the mortgagor by the Servicer. 
XX/XX/XXXX : Submitted an email requesting MIP/PMI refund based on PL 105-216, XX/XX/XXXX. XX/XX/XXXX : Received letter indicating that one specific property did not meet PMI/MIP requirements XX/XX/XXXX : Submitted another email requesting MIP/PMI refund based on PL 105-216, XX/XX/XXXX for the other property. Wells Fargo responded via email on XX/XX/XXXX that request would be reviewed. XX/XX/XXXX : Representative called and told me that I did not make PMI payments under a specific account number thus I did not qualify for reimbursement. XX/XX/XXXX : Submitted another request for that property using the original loan number before I refinanced. XX/XX/XXXX received email indicating Wells Fargo will review request.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: CO
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:
Pursuant to 18 usc 8, l owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: Account Discovery Systems, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by Account Discover Systems, LLC attempting to collect a payday loan debt on behalf of XXXX. I was told the amount I owed was {$8000.00} during the call the collector after only me saying yes to my name and date of birth which he gave out mentioned my employer, names of family members and complete social security number. 

I do not believe this debt is mine. I do not believe the loan was from a legally licensed lender in the State of Oklahoma and do not understand how such a collector has and is willing to give out my personal information. I have already disputed this information with XXXX XXXX XXXX, XXXX previously. 

I have requested the lender cease and desist all phone contact with myself, any assumed references and my employer. I have requested validation of the debt, calculation of the amounted owed which was stated as {$8000.00} and the license of the collector original lender validation of the collectors ownership of this presumed debt. I was also threatened with a lawsuit and when inquiring about the jurisdiction was not provided the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
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: Investigation took more than 30 days

Complaint:
I noticed some unauthorized inquiries on my Experian Credit Report. I sent a dispute directly to the creditor 's. They received my dispute VIA USPS PRIORITY mail. And they failed to send me any proof or respond to the unauthorized inquiries. These inquiries should be deleted immediately.

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 2022-08-06
Company: EQUIFAX, INC.
State: NC
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:
I am a consumer, a natural person, and a protected person under federal law In accordance with the Fair Credit Reporting act XXXX XXXX  has violated my rights Regarding alleged account # XXXX XXXX5 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 U.S.C. 1681cXXXX : A Block and remove in 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: SYNCHRONY FINANCIAL
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:
The company is inaccurately reporting late payments to credit bureaus, as account has been closed well over a year, and was reported as fraudulent and is not reporting as such. I have called the company multiple times to get this corrected to no resolve.

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 2020-05-24
Company: Experian Information Solutions Inc.
State: AZ
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:
Ever since I submitted my complaint against Experian ( XX/XX/2020 ),  they have required that I two-step verify EVERY SINGLE TIME I log in to Experian. It is extremely annoying. I do not know what category of complaint this would fall under, but in ALL the time I've been using Experian, this has never happened ( but immediately after lodging the complaint, it began and has not stopped -- even though I'm logging in from the same computer every single time ). I think this is backlash for my complaining. Actually, XXXX  did the same thing. As soon as I lodged my complaint ( it is in my complaints records ), problems began with logging in. It hasn't been resolved to this day. I would try to log in, and, despite the fact that the password was saved in my browser, it would claim I was putting the wrong password in, so it would warn me that I was running out of opportunities to log in and that the account would lock if I kept inputting the wrong password. The only way around this was to go through the process of making a new password -- and I've had to reset the password to the very same password it always has been many times and to this day I still have the same problems if I don't log in for a while. It takes a long time to fix the problem, and then the problem is never actually solved. It is draining. This has to be backlash from these companies against people for following the established protocols for complaining about them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: NRA Group, LLC
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: Information belongs to someone else

Complaint:
On XX/XX/2018, NTL RECOVERY AGENCY added a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Jefferson LLC constantly calls day and night claiming I owe XXXX XXXX over {$3000.00}. While I did get a XXXX  behind due to ID theft, I DO NOT owe them anywhere near that much as Id been paying on my computer for over 7 XXXX  years! 

I told Jefferson I would pay what I can when I can. But they call 5, 6, or more times per day every single day!!!!!! I block one number, they use another. Just in the past 2 years, Ive blocked them at least 242 times!!!!!!!!!! 
Please stop this!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: JPMORGAN CHASE & CO.
State: NH
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 a text message from Chase letting me know that they have declined a charge for {$89.00} from XXXX XXXX as they have identified it as a fraudulent charge. The prompt asked me to reply YES if it was me or NO if it was not me. I replied NO and received a message back saying that Chase has closed my card and will be sending me a new card. The charge was listed as " Pending '' on my statement. 

On XX/XX/XXXX I noticed that the charge was marked as posted, despite the fact that I let Chase know on XX/XX/XXXX that it was fraudulent. At XXXX XXXX  ET I called Chase to inquire about this and was transferred to their outsourced support team who let me know that the scammer tried charging my card 5 times - one of which went through and 4 of which were blocked. He said that he will indicate that all transactions were not approved and that he will mark it as fraudulent. He abruptly ended the call before confirming that this was processed, and did not let me know if I will be receiving a credit. 

On XX/XX/XXXX I called Chase at XXXX XXXX ET to find out. The support rep let me know that a new card was issued and that I " might '' see a credit within 2 statement periods. 

On XX/XX/XXXX I contacted Chase support via XXXX and was told that there was nothing they could do and to contact Chase support via phone again. 

Per Reg E, I have fulfilled my duties in letting Chase know in a timely period that this was a fraudulent transaction. Additionally, per Reg E and my cardholder agreement, I will be not be financially responsible for fraudulent charges, provided I let Chase know. I've let Chase know 3 times ( this CFPB complaint is the 4th time ). I demand an immediate credit on my statement of {$89.00} showing that Chase acknowledges this transaction as fraudulent, written acknowledgement from Chase as to my fulfillment of these terms, and a guarantee that I will not be financially responsible for this charge, or any fees relating to this charge ( interest, etc. ), as I have fulfilled my duties in letting Chase know of a fraudulent charge. 

Finally, I ask for Chase to re-train their support teams to make sure they are aware of both Reg E and the cardholder agreements with reference to disputing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Earnest Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my student loans with Earnest. Today they sent out an email that they are changing how auto payments can be scheduled. According to them : " Starting on XX/XX/XXXX, biweekly Auto Pay will not be available. '' To top it off, changes to Auto Pay now have to go through contacting customer service instead of being managed directly online.

Effectively Earnest is going to make loans harder for everyone to pay. I enjoy my biweekly auto payments because it helps me pay everything off faster.

The email reads : " Moving forward, Auto Pay can only be scheduled for the XXXX of any given monthother days will not be supported. If your current Auto Pay date falls within that range, no action is required. If it falls outside this range, please sign in to your Earnest account by XX/XX/XXXX to choose your desired payment date between the XXXX and XXXX. If your XXXX Auto Pay date is outside the supported range on XX/XX/XXXX, your payment will be automatically pushed to XX/XX/XXXX. 

After XX/XX/XXXX, changes to your Auto Pay dates must be made directly with our XXXX XXXX team, rather than through your client dashboard. Well keep you posted once you can do so through your dashboard. 
Starting on XX/XX/XXXX, biweekly Auto Pay will not be available. Any clients paying twice per month are requested to sign in to their Earnest account to select a new monthly payment schedule. If you dont do so by XX/XX/XXXX, the system will automatically select a payment date that will be at least a month after your last biweekly payment. We are exploring a number of alternative biweekly payment options between now and XX/XX/XXXX. We will update this Help Center article in the coming weeks once we have settled on a solution. 
Rest assured that the terms, conditions, and benefits of your Earnest student loan refinance have not changed, and neither has access to our team of Client Happiness experts. More details on whats changing can be found in our Help Center article here. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I have a Wells Fargo business account. Every month, sometimes multiple times per month, Wells Fargo will hold my deposits while they process multiple debits. After the debits cause my account to be overdrawn, Wells Fargo charges {$35.00} per transaction, then they will process my deposit. This is a recurring theme with this company. 

In addition to their fees, I am constantly paying returned item fees with XXXX because Wells Fargo returns my payroll debits.

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 2019-06-01
Company: U.S. BANCORP
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:
BANK XXXX XXXX REVOLVING ACCOUNT OPEN DATE XX/XX/XXXX AND US BANK XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/XXXX. THESE ACCOUNTS ARE BOTH FRAUDULENT ACCOUNTS. I HAVE BEEN DISPUTING BOTH ACCOUNTS AS FRAUDULENT AND I NEED THEM TO BE REMOVED FROM MY CREDIT REPORT, I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO BOTH BANKS. THANK YOU

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WAS NOT AUTHORIZED BY 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 2020-12-05
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/2020, I received documentation approving an extension on the deferment I had for my mortgage. My mortgage is with XXXX XXXX XXXXand I had applied for the deferment as I am a landlord and I wanted to give my tenants some flexibility in paying their rent since they were having problems with employment related to COVID. Though the approval was through XX/XX/2020, XXXX XXXX XXXX incorrectly reported me as delinquent on my mortgage for XX/XX/2020. XXXX  and XXXX  have fixed the inaccurate information but despite attempts from XXXX XXXX XXXX to correct this issue, Equifax has yet to remove the inaccurate delinquency from my Equifax report. I will provide documentation from XXXX XXXX XXXX showing the approved deferment along with correspondence I have had with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: LoanCare, LLC
State: AE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage in full. Then Loancare, A XXXX Company auto drafted me by another payment. They gave me a hard time about wiring money me my money. I am a XXXX who is forward XXXX to XXXX without his family. There was no way for them to quickly mail me my money. They resisted sending me my money and had me on hold for an hour. I eventually had to give them my bank records to show that they are wiring me my money, and they agreed that within 48 hours they will send me my money. They have n't sent me my money ; it 's XXXX ; and the took food and presents from my kids who I do n't get to see. Can you 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 2019-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
XXXX has XXXX XXXX as an open account with a balance of XXXX. I was told by both XXXX and XXXX XXXX that this account would be removed by today, XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to the company a total of 4 times. I have stated I had no acknowledgment of these account ( s ) and was asking for documentation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked. Midland has also tried to reword my dispute. I disputed the account as " not mine '' and in response they said I disputed " incorrect balance. '' That is not what was disputed. The accounts as a whole are being in question. Please rectify these accounts as for this company has prolonged this for months!

Company response to consumer: Closed with explanation