BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, So here we are again. Every time there is an escrow analysis or change with my account there is an issue. Not to mention the issue is always when the servicer owes me money. 
Han an analysis done XX/XX/XXXX. There was an overage of XXXX dollars. Check was supposedly mailed XX/XX/XXXX from literally XXXX mins away. Today is XX/XX/XXXX and there is still NO check. 
I called them and spoke to a nice young woman that was very sympathetic, and she advised me that I needed to wait 30 days for them to reissue the check. Not only that but I need to call them and request it when 30 days is up. 
This is ridiculous. There is no way it takes 30 days to mail something to somewhere that is in the SAME STATE. 
Perhaps XXXX dollars is not a lot of money to them but when you have XXXX and your hours are reduced for treatments it makes a huge difference. 
I have had nothing but delays whenever I ask for any assistance from this company. It is sad. I am also not interested in why it takes so long, as I know that it is possible to stop and reissue it sooner. Please send me my money. I can not afford to wait another month because XXXX cant figure out how to mail a letter. Also Please don't blame the USPS as I know mail is delayed, but it is not delayed for this long. I suggest guaranteed rate look for a new subservicer. XXXX is terrible. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Creditor's Collection Service, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
It's regarding the 2 derogatory Mark 's on my credit report from a hospital, XXXX XXXX Hospital, or that is where it came from. I was taken there on XX/XX/15 by force and forced to stay without my concent. The rest of the hospital bill was removed after investigating but these were not!!!! Please REMOVE them from my credit bureau because they do NOT belong there!!! I thank you for your help this has been a long and STRESSFUL process to get these remarks removed. PLEASE HELP ME!!!!! 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX, I sent an investigation request to Equifax. They are supposed to respond with the results within 30 days, but they have not. I sent similar requests to XXXX  and XXXX XXXX, and they have already responded with the results weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
So today when signing on to my checking account, they alerted me to a duplicate payment/transfer for my monthly mortgage payment on XXXX XXXX they informed me it was Shellpoint mortgage that did it and to call them. After 45 minutes and transfers to two separate representatives I finally got my answer. Yes Shellpoint was aware they did take two payments from my checking account. No apologies, no notice that they realized the mistake & were going to reverse the extra charge. I asked if it could be applied to next months payment or extra principal, but was told no, the reversal was already in the works and would be back in my account in about a week! If I hadnt called were they going to keep my money? So ... basically they get to use my hard earned $ free of charge for over a week? The representative said its not free we are giving it back to you! So terrible customer service on top of shady practices seems to be the norm at Shellpoint. My bank has not received any notice from Shellpoint about reversing the double debit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} 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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 tried repeatedly to dispute accounts that was open fraudulent. They want take it off. These accounts are hurting my credit and making my life hard. They continue to keep the accounts on file. The companies or credit bureau ot doing anything

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 2019-11-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I began receiving text message and email alerts from Chase that my account balance exceeded a set threshold level. Upon checking my account, my balance was less than half of this arbitrary amount. A short time later, I received another alert that my balance was even higher! Upon calling Chase, I was told that there was a mistake with a change to one of their systems. I received no notice of this " mistake '' and for a Fortune 500 bank to be taking such risks with untested, unverified software updates is deeply concerning. 

More concerning is the possibility that the bank was using actual customer phone numbers in testing its new system, since the alert I received was for an amount far in excess and with no relation to my current account balance. In other words, it wasn't double the amount, a rounding error, an extra zero, etc. It was arbitrarily larger and different.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I enrolled in Autopay for my Amazon Store Card on XX/XX/2021. In the email sent to me by the company confirming the enrollment, Amazon.com Store Card Services said : " Payments will be deducted from your XXXX XXXX XXXX, XXXX account ending in XXXX on your payment due date. Continue to make regular payments until you receive confirmation in your billing statement that the Autopay program has been established. '' I received no such confirmation. No billing statement was issued. My billing statements are issued on the XXXX or XXXX of each month. 

On the payment due date, XX/XX/2021, I searched the Amazon.com store card site to verify that no payments were pending. The site indicated no pending payments. Therefore, as directed by Amazon.com Store Card Services, on the payment due date I made a regular payment in the amount of {$300.00} ( the same amount as the requested automatic payments. ) The payment posted successfully and was withdrawn from my bank account on XX/XX/2021. 

I woke up on XX/XX/2021 to find that the Amazon.com Store Card processed another payment via Autopay for {$300.00}. I'd had no email confirming this payment and there was nothing on the Amazon.com Store Card site indicating that this payment was scheduled. While the Amazon.com Store Card site indicates that both payments posted on XX/XX/2021, my bank account indicates that the payment I made manually on XX/XX/2021 was successfully processed on XX/XX/2021 and the payment made via Autopay was received for processing XX/XX/2021. 

As a result of this, my checking account was put in overdraft. The overdraft generated a {$35.00} fee from my bank. I'm also left in a very precarious financial position as I have a strict budget. 

I contacted Amazon.com via live chat and the agent, XXXX XXXX, was very apologetic, but ultimately completely unhelpful. The only recourse I was offered was to have a check for a refund of the overpayment mailed to my home address which would take approximately 15 days. 

I am very upset because the processing of this Autopay payment was in direct contradiction to the email I received confirming my enrollment in Autopay. That email is attached as a screenshot.

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 monetary relief
Consumer complaint received 2023-05-22
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been banking with Wells Fargo since I was in high school, almost 7 years. 2 weeks ago I received a statement in the mail from a previous college landlord stating I still owed him a deposit which cause me to look back into my bank transactions that were paid to them. There were two charges I recognized not being authorized or even counted towards my paid balance towards the landlord. One charge was for {$510.00} made on XX/XX/2018- and the other charge was for {$620.00} on XX/XX/2018. I contacted the landlord several times and provided proof but was told they have no record. I was very upset over this considering Im no where near financially stable enough to take a loss like that and look past it. I had a little bit of hope believing that Wells Fargo would despite the charges considering the circumstances and my relationship with the bank, but I was certainly wrong. I had spoken to over 5 different representatives from customer services, claims center, and then resolution center, who all treated me with an attitude and dismissed my claim immediately giving me a strong impression that I wasnt a valued customer. I filed a claim with the executive office and asked several times over a 5 day period to speak with them on the phone, but was told I couldnt. I received a letter in the mail almost 6 days exactly after I filed a complaint with the executive office.. the letter stated the complaint was closed and it contained a couple sentences saying they apologize for my inconvenience and are disappointed they arent able to help, and that I should be aware of their policies. This whole experience was absolutely terrible and made me question why I do business with a bank who doesnt have their customers back whenever something goes wrong. The policy that they werent able to dispute a charge past 120 days is understood, but shouldnt mean that circumstances cant be taken into account considering the large amount of money. I am completely stuck and option less due to the fact that Wells Fargo decided not to protect my finances. I also am feeling a strong impression that Wells Fargo does not have their customers best interest in mind and views them as a number rather than person

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 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was a victim of fraud someone had opened up an account in my name XXXX XXXX # XXXX. I never had a account with the following companies XXXX XXXX FKA XXXX # XXXX. Please delete this from 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 explanation
Consumer complaint received 2023-01-31
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My mom XXXX  at the end of XXXX and Ive been trying to rectify all the financial mess. I began getting multiple ( XXXX times per day ) calls from reps saying they were calling on behalf of Comenity and a Wayfair card account. It has been an absolute assault - calling from multiple numbers, multiple times per day, and having multiple representatives call multiple times per day to threaten me with legal action ( particularly from XXXX ) - it reached a fever pitch this month. Ive requested numerous times- XXXX numerous times and XXXX : XXXX, XXXX, the XXXX and the XXXX- for proof of debt and to stop being harassed. 
After requesting a proof of debt statement and requesting again to stop being harassed, I received a call on Tuesday XX/XX/XXXX and had a long conversation with an agent that called from the now blocked XXXX XXXX XXXX who identified herself as calling on behalf of Comenity and my wayfair  card and using threatening language. I first asked this agent if the call was being recorded and she said yes and i asked her to make sure it was available for review as I was filing a complaint. I then asked her again to identify who she was calling on behalf of and she said Comenity bank re : my wayfair  balance. I explained to her I had asked for a proof of debt statement and had told them multiple times I was being harassed by phone calls and threatening messages which I understood was a violation of fair debt practices. Additionally I told her I had requested a proof of debt statement about a Wayfair card and my understanding once that was requested debt collection calls were to discontinue. She argued with me saying she cant control what other agents do. I told her - well - I believe it is a law .. so, Id suggest to Comenity they follow the law if youre saying they dont. We hung up and I was called 4 more times that day from a variety of numbers stating it was Comenity on behalf of a past due Wayfair account and theyd be taking legal action and needed to get a lawyer if I didnt have one helping me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
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:
Explanation of item being disputed : XXXX XXXX XXXX has reported incorrect information on my credit report. XXXX XXXX XXXX has listed that I am Derogatory as of XX/XX/XXXX on XXXX  YET XXXX  and Transunion both show paid and current but have different close dates and years, as seen above. XXXX XXXX also failed to delete this file from my repost as agreed upon in XXXX. Being that this information provided by XXXX XXXX is inaccurate I want to request that this file be deleted for my 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 explanation
Consumer complaint received 2020-09-19
Company: GOLDMAN SACHS BANK USA
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: Information belongs to someone else

Complaint:
I recently pulled my credit report and noticed several fraudlent accounts some even had no account name associated with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called XXXX Navient told them I was being double billed. They told me I wasnt. I pulled 6 months on payments available to me online - I was never late. Called back XXXX - asked Navient why I had to pay double then and addironal {$30.00} to get my account to zero! They could n't answer questions talked circle. Said I was two days late XXXX of XXXX. Why would my billing be fine till now and there is a 15 day grace period which it was paid within 3 days - talked more circles. Now I have paid $ {$250.00} for a XXXX payment that should only be {$110.00}. They sent me and email today stating only {$100.00} was applied to my account as of XXXX!!! For real! I have emails, bank statements, printouts from Navient website it 's not correct and when I call them they wo n't fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief