BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
IN  XXXX  OF   XXXX   I REFINANCED LOAN NUMBER  XXXX  WIT H WELLS FARGO TO A  NEW LOAN WHICH WAS SUBSUMED BY  XXXX   XXXX   XXXX . I RECENTLY SOLD THE HOME  BUYT WELLS FARGO ERRONEOUSLY CONTINUED REPORTING THAT THE HOME WAS STILL IN DEBTED TO THIS LOAN ( WHICH THEY ULTIMATELY PROVIDED A LETTER STATING THAT IT WAS NOT ). HOWEVER THEY CHARGED A {$1500.00} FEE ON THE DAY OF THE CLOSING IN ORDER TO RELEASE A WRITTEN DOCUMENT WHICH WAS REQUIRED TO SHOW THAT THEY HAD MADE A MISTAKE AND THE LOAN HAD BEEN SATISFIED. IT SEEMS CRAZY THAR I HAD TO PAY {$1500.00} FOR THEM TO WRITE A ONE PAGE LETTER CORRE CTING THEIR MISTAKE.

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 2017-04-24
Company: United Debt Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I was contacted by a " currier '' who did not have a correct address and only verified my first name. He gave me a # and a reference # to thus company. No name given. I called. No recording disclosure or mini miranda. No company name or name of person. She only verified my first name..never once asked my last name. Had the last  4 of  my  SSN wr ong. And when I said it was wrong continued disclosing. Stated to me I had until   XXXX   XXXX   today to pay {$580.00} or they would charge me with intent to defraud a financial institution. And it was in my best interest to be at my residence for the currier. If not she wished me best of luck. I already have a panic disorder and health issues I am out of work. This conversation was threatening to me and I do n't know where to go with this. I do owe that company they called about but I contacted them yesterday. They already sol d it to United Debt Holdings . .. .which is who I talked to yesterday. I have both #  s a nd the reference #. They probably have me listed as   XXXX   XXXX  . My last name has now changed. I will not provide my SS # because they did n't have the la st 4 right t o begin with.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong 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 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested Bank of America to cancel my PMI. 

I received a letter stating my investor requires a current market value. This is not true see letter from Bank of America. 

I received an email from XXXX XXXX stating my investor requires an appraisal. This is also not true. 

On the letter it states an agent or broker will contact me to schedule the appointment to provide an appraised value. 

Real estate agents and real estate brokers are not licensed to provide appraisals in Georgia. Since they are not licensed to provide appraisals, what service are they providing. 

The letter says they will be providing the current appraised value. Bank of America could use an AVM, automated valuation model to do this.

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 2021-07-05
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: Account status incorrect

Complaint:
In XX/XX/XXXX, I was XXXX  and was put on XXXX due to being XXXX XXXX XXXX. My payments failed behind due to lack of work with my XXXX. I had my son in XX/XX/XXXX. I called in XX/XX/XXXX to get my account back in good standing. So I only had late payments from XX/XX/XXXX - XX/XX/XXXX. I went back to work in XX/XX/XXXX but then Covid hit in XXXX of XXXX and I still made payments on time during Covid. 

I was making on time payments and using the card after XX/XX/XXXX. I tried to use my card in XXXX of XXXX and the card was declined. I didn't know my account was closed in XX/XX/XXXX. Since then the company has been reporting my account with current late payments. I have called and asked why was my account close and the only thing I received was a copy of my credit score. The letter did not tell me why my account was closed. This company is affecting my credit report with these late payments. I have asked to speak with a supervisor and they said they can not put a supervisor or manager on the phone. I spoke with a rep on XX/XX/XXXX and she stated if I made a payment the account would be reopen and the account is still closed. 

I can not access my account or do anything. Why is the company reporting recent late payments on a card that has been charged off? Its bad enough people have to deal with the issues with Covid19 and then the company is making your credit look bad by reporting inaccurate information. 

Company : XXXX XXXX XXXX/My XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX, OH 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 2019-04-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Shortly after closing on my loan which took place approx. XX/XX/2016 my loan was sold and began Servicing with Lakeview who services through XXXX. I contacted the number on my statement back in 2016 to set up what I believed to be a bi-weekly payment structure. As evidenced by my withdrawals in my checking {$400.00} per month has been pulled from my account for quite some time. Today I contacted them and was told XXXX does not do bi-weekly payments they pay the investor which I understand to be Lakeview on a month to month basis. So they have been getting 1/2 of my payment then holding for the remaining and when a full payment is in hand then they make the payment. This is frustrating because this is not necessarily how this was explained back in 2016. I asked to reach Lakeview directly and was given an 800 # to contact them. This went to a different 3rd party company that promoted a equity excellorator program ( aka bi-weekly payment ) plan. They wanted {$290.00} enrollment fee and $ 5.40ish per month for a servicing charge. I asked them if they were either Lake View and or XXXX and a guy named XXXX stated they are neither. Reflecting back I think this also is the same procedure I went through in 2016 and have already paid this set up and servicing charges. I think there is something very strange in the way I keep getting bounced to XXXX, they don't acknowledge that they are in fact the ones pulling money from my account each month yet they are listed on each withdrawal. And now this 3rd company of which is neither XXXX nor Lakeview wants to reset this up with me again and can not find any record of my account anywhere. I can not seem to locate a direct phone contact number to Lakeview to discuss this, and keep getting rerouted back to XXXX. This feels very fishy and I feel the past 2+ year I have paid for a service that I am not getting and there is some sort of scam or fraud going on that I can not pin down and need help. I feel there has been a difference in the money I have paid out vs what has been correctly applied to my loan and would love to see this analyzed fully.

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 2021-05-22
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: Personal information incorrect

Complaint:
XXXX was paid in full. They hired credit karma to report to the three major credit bureaus tthat my account is overdue in payments. The history is inaccurate.. This account is paid. XXXX is reporting to Transunion XXXX and XXXX inaccurate history and status. This account is old and was resolved years ago so now this fraudulent reporting must end. The account is paid and it should say that. It's been years since I paid this XXXX. The status is inaccurate. Iam attempting to resolve this before taking legal action. This practice is infair and staines my future financially.

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 2017-04-24
Company: EQUIFAX, INC.
State: NC
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'am  XXXX  and a victim of identity theft.I was referred to you by someone from the senator 's office and also my dear friends from the governor 's office.I'am trying to purchase a new home and to finish my education at     XXXX   XXXX   XXXX   college in  XXXX  nc.Thankyou.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-07-12
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX Offices says I owe {$670.00} to Jefferson Capital System XXXX XXXX. They have a court hearing scheduled as well. I have not received any full information about this {$670.00}. I do not know where this account is from. However, my first response was - went to call them ASAP to know what is this claim about, but it directs you to their site to settle the payment. And so I did, I submitted my payment plan on their site. But, I did not receive any call or confirmation. So, months later, I called again and their system is the same, it directs you to their site. This time, I emailed them to ask more about this claim, but as of today, I still have not received any information or phone call from XXXX XXXX XXXX. I think this is a scam and Im a victim of their false credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Experian Information Solutions Inc.
State: WA
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:
Experian was contacted to update to current loan amount and that no loan payments are due at this time with  XXXX   XXXX  student loan. They are showing an amount of balance before  XXXX  in payment. Also they showd delinquent for  XXXX  which is not

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 2022-07-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have several cards with Comenity Bank, for the month on XXXX and XXXX I have made my payments, but I keep getting calls saying my payments are not being accepted and Im getting charged late fees, Comenity has been having an issue with their system where you can not access it to make payments online or by phone. But will call you and tell you that you have a missed payment and the amount is now doubled.This issue has caused me over drafts from them going into my account several times and even my credit scores has been affected by this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-12
Company: BARCLAYS BANK DELAWARE
State: AL
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:
I had a settlement for an account with a creditor in XX/XX/2018 and made one payment in XX/XX/XXXX and the next 2 payments were due on XX/XX/XXXX and XX/XX/XXXX. I called to make XX/XX/XXXX 's payment and was told the account was written off by error. I was told it would be reinstated within 48 hours and to call back. When I called back on XX/XX/XXXX I was advised that I had to mail the payments in. I received a letter in the mail XX/XX/2018 from a collection agency trying to collect on this account that has been charged off. I also noticed on XX/XX/XXXX that the charge off was on my credit report. I am confused concerning what my rights are in this situation.

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 2021-07-12
Company: Grain Technology, Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have been trying to reach out to this company since last month. I have been reaching out to customer service via email and phone. The phone says that there are no available representatives. I am confused with that because i called when the company first opened and it says the same thing. They are not responding to email either. They is getting very frustrating when i am trying to pay my account up to date. They are charging me last fees but how is that possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: Experian Information Solutions Inc.
State: FL
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:
on XXXX XXXX & XX/XX/XXXX XXXX i received numerous notifications that their has been numerous inquires made to my consumer credit report in which i had know knowledge of, issued by the following companies : XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX XXXX card on XXXX XXXX  car sale on XXXX XXXX and us small administration on XXXX XXXX XXXX : Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXX XXXX never gave these cXXXX XXXX  on XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX XXXX card on XXXX XXXX car sale on XXXX XXXX and us small administration on XXXX XXXX. written consent to report anything on my consumer report, NO consent is identity theft .and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )

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 2023-12-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I submitted 3 securities ( applications ) and was not given a compensation/credit line. See attachment sent to Wells Fargo.

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 2023-09-19
Company: EQUIFAX, INC.
State: AZ
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Bankruptcy XXXX 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 an 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
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 discovered that the same accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate these accounts because other Bureaus corrected it ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$0.00}

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 2019-04-15
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I spoke with XXXX XXXX XX/XX/19 @ XXXX re : more flexible payments for loan. A {$50.00} good faith fee is required for any delay in payment. This fee is the cost of the monthly loan payment. When the delay in payment has been needed and used, often I borrowed from someone to pay the fee. When this option is used, it can only be done 3 months at a time. This poses a major problem because it puts me in a position of owing other people. Now, I'm laid off from employment as of XX/XX/19 and called again XX/XX/19. The representative told me there are no other options to assist me other than again paying the fee. This means I must borrow the money from another person ( this is not sustainable for me or the individual ). XXXX XXXX wanted me to post date a time to pay in 30 days. Again I don't have money at the moment, I'm awaiting an interview with unemployment and am unsure of how I will pay my mortgage and other household sustaining bills for me and my child. Whether I'll have money to pay XXXX XXXX is unknown at this time. XXXX XXXX stated the only other option is to miss the payment, fall into default and the collections department will contact me. What I need is another recourse of action while I am currently unemployed. What else can be done to keep my credit report from suffering while I have no employment if I'm communicating and being proactive. Why is money to pay for an extension the only option, especially if I have no money or employment a this time. Thank you for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX5 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.

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