BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX, Account Number:XXXX Account Name : XXXX, Account Number:XXXX Account Name : XXXX, Account NumberXXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap XXXX they also violated my rights under -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 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
Consumer complaint received 2021-11-11
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wyndham Mortgage quoted me a 3.25 % interest rate, based on specific loan details ( included in attachment ). Based on that quote, I submitted an application, allowing my credit to be pulled. The Loan Estimate given to me showed a rate of 4.875 %. This is an inexcusably large difference. There is no ( appropriate ) overlay that should allow for that large of a swing. 

Further, when I went through the quote process again, three times, to document the process and quotes, the rate changed just minutes apart, using the same exact info. 

The attachment shows a rate of 3.5 % due to printing the process three days later after my initial quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank Escrow Issue Summary Flagstar Bank purchased my loan, and all associated obligations, from XXXX XXXXXXXX XXXX on XX/XX/XXXX. I was notified of this via a welcome packet sent from Flagstar on XX/XX/XXXX. Upon receipt of the welcome letter, I called Flagstar on XX/XX/XXXX to confirm that there were no actions I needed to take to ensure a smooth transition to the new lender. Both the welcome packet, and the customer service representative, indicated that there were no actions I needed to take to ensure a smooth transition, except to create an online account with Flagstar, which I did. 

My first payment to Flagstar was on XX/XX/XXXX. 

In XXXX of XXXX, I received notice from my Homeowner 's Insurance company that the next year 's premium was coming due on XX/XX/XXXX. The notification indicated that This Is Not A Bill, and that a copy was sent to my mortgage loan servicer. Given Flagstar 's repeated indication that there were no actions I needed to take, I then naturally, took no action. I was away for much of XXXX. Upon returning home on XX/XX/XXXX, I saw a final notice from my Homeowner 's Insurance company indicating that my bill had not been paid. It further indicated that failure to pay would result in termination of my insurance, and thus, a lapse in coverage. 

I contacted Flagstar Bank on XX/XX/XXXX, and was informed that though Flagstar had the name and contact info for my insurance company, Flagstar was unable to make payment on behalf until I gave them permission to do so. This was contrary to what I was instructed previously. I gave Flagstar the needed permissions and they mailed a check, which would arrive XXXX days after the due date. They indicated an inability to wire or courier the funds to meet the obligations they purchased from XXXX XXXX XXXX To prevent a lapse in coverage, my insurance company thus required a deposit on a credit card, from me that day, to cover the account until they received the check from Flagstar. I had no choice, so I paid on my credit card, and then received a reimbursement.

The following week, I requested an Escrow Waiver from Flagstar. On XX/XX/XXXX, I was granted an escrow waiver, but was informed of a large fee of over {$600.00} to move forward with the request. I have continually informed Flagstar that I am unable to accommodate payment of a fee to ensure that my bills are paid properly and on time. This is natural given the danger Flagstar nearly put me in, had I not been proactive. Flagstar, while admitting on XX/XX/XXXX that they are not legally required to levy the fee, insist upon it. Representatives have insisted that there is no way to remove it. 

Flagstar Bank is a company I never chose to be in business with. I refuse to be penalized for ensuring the security of my home and family.

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 2019-07-02
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I '' ve been paying almost 2 years on account that keeps getting higher and higher with interest and hidden fees each month. Each month I owe more money to them {$1600.00} in interest and hidden fees. My account maxed at {$4400.00} and now its {$6000.00} with interest fees and hidden charges and I haven't used the card in almost 2 years. I was being {$92.00} for security on the card and didn't know until I called complaining about interest charges. The billing rep broke it down I owe more money each month I pay with hidden fees, varying interest rate, and late charges that are applied at random. The only help offered was call XXXX number to have {$92.00} fee removed from bill.

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 2018-01-26
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received call from XXXX XXXX with XXXX, XXXX and XXXX at XXXX stating I owed money from an old account with XXXX this is over 8 years old. Threatened to serve me a summons at home and work and offered a " settlement amount ''. Were very threatening and caused fear that this was a legitimate debt. The debt does not show on my credit report and they could not provide anything other than a letter stating I owed this money. Called twice from a private and unknown number stating I had been told.

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 2020-10-09
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: Account information incorrect

Complaint:
Accounts are not mine and are reported incorrectly 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 explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
i have written mutiple times to XXXX XXXX, XXXX, and equifax in the past 8 months regarding this account. I have never received any responses back nor have they marked in the comments in the report that this account is in dispute,,, ,they have flat out ignored my requests ... .by law they should have done both ... i do not recall ever having a loan in my life ... ..im looking at the reporting and its all over the place too ... .it seems this avvount has been re aged, look at the date of last payment that is illegal ... the high credit limits are way different, it is a charge off with a balance ... .these are all violations and this is not even mine ... .this is my final attempt for them to correct this before contacting an attorney and the state attorney general

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collections agency called American Collection Agency DBA Retrieval Masters Creditors Bureau Inc had my personal private information on file for a debt that I do not owe and they did not realize they had a data breach which affected people in their system. Now I received a letter to let me know that my personal info could be on the dark web. 
What kind of lack of security are you running? You should be sued for losing people 's private information.

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 2019-07-02
Company: Credit Bureau Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE A ACCOUNT ON MY CREDIT FILE THAT IS NOT MINE CBCS # XXXX. I NEVER BEEN TO XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX THIS ACCOUNT IS DEFINITELY FRAUD OR IT BELONGS TO SOMEONE ELSE. 
I BELIEVE IT BELONGS TO MAYBE ANOTHER XXXX XXXX. PLEASE DELETE THIS ACCOUNT AND STOP ALL CONTACT WITH ME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: Receivables Performance Management, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX keeps giving a debt I do not owe to different collection agencys and they keep putting it against my credit. I have talked to XXXX and they said they have cleared it up that was in XXXX and now they have given it to receivables performance and they have put it against my credit. I have XXXX  on voice mail and email saying they messed up and had a different amount than what receivables performance is saying.

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 2019-11-19
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare/XXXX  is the mortgage servicer for this property. They are incorrectly assessing the county taxes for this mortgage due to their mistake ( they did not send the 1st half 2019 payment to the county ), which has increased my monthly payment by more than $ XXXX/month. They are collecting double the annual taxes {$3700.00} rather than the actual amount of XXXX - I provided them, per their request, with a copy of the county tax statement. 

I faxed the below letter to them on XXXX/XXXX/2019. I called them on XXXX and they confirmed receipt and said the issue would be resolved by XX/XX/XXXX and they would contact me via email. I called XX/XX/XXXX and they said case was closed with no explanation and the escrow is still incorrectly being assessed. They attempted to transfer me to a supervisor after disconnecting me multiple times. 

*****Letter text sent on XX/XX/XXXX/XX/XX/XXXX/2019****** Loan number XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX ESCROW ANALYSIS REQUIRED Please be advised the tax escrow account is setup incorrectly on this loan and escrow transactions need reconciled.

The annual taxes are {$1800.00} for this property. {$930.00} each half. See attached first and second half statements from the XXXX County Treasurer. 

According to the payment history of this loan, you did a CountyTaxDisb debit on XX/XX/XXXX2019 for {$930.00}, but the county auditor does not show this payment reaching them. 

You also did a CountyTaxDisb debit on XX/XX/XXXX2019 for {$1800.00}, but the county auditor received a payment of {$1900.00} on XXXX/XXXX/2019, which was the amount due for the full year PLUS penalty and interest. 

I request that you resolve this matter immediately and contact me that this has been resolved. I tried to resolve this with a customer service agent with your company but they would not take ownership of the issue. 



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 explanation
Consumer complaint received 2021-11-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Servicing Inc ( SPS ) made an error by scheduling and/or participating in scheduling and/or effecting the scheduling of the foreclosure sale of subject real estate property for XX/XX/XXXX, in violation of RESPA 1024.41 ( f ) ( 3 ) Temporary Special COVID-19 Loss Mitigation Procedural Safeguards. 

RESPA 1024.41 ( f ) ( 3 ) ( ii ) ( C ) ( 2 ) require that : The servicer sent the written notice required by 1024.39 ( b ) at least 10 days and no more than 45 days before the servicer makes the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process ; SPS allowed only eight ( 8 ) days between XX/XX/XXXX and XX/XX/XXXX letters cited below, not minimum ten ( 10 ) days as required by RESPA 1024.41 ( f ) ( 3 ) ( ii ) ( C ) ( 2 ). 

On XX/XX/XXXX SPS sent us an Early Intervention Notice letter as required by 1024.39 ( b ). ( See attachment # 1 ) On XX/XX/XXXX, XXXX XXXX, alleged attorneys of the purported mortgage holder XXXX XXXX XXXX, as trustee, on behalf of the holder of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Series NC XXXX Asset Backed Pass-Through Certificates, Series NC XXXX XXXX ( XXXX XXXX. as trustee ) sent us a Notice of Intention to Foreclose ( see attachment # 2 ) On XX/XX/XXXX SPS, as alleged servicer for the XXXX XXXX. as trustee, sent us a Foreclosure Sale Date Notice ( see attachment # 3 ), a letter informing us about the XX/XX/XXXX scheduled foreclosure auction of our property. 

On XX/XX/XXXX we sent a Notice of Error to SPS ( see attachment # 4 ) asking for full investigation and correction of the above error, as well as cancelling the XX/XX/XXXX foreclosure sale of our property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a statement from a third party regarding a refund amount from a Citi Bank class action lawsuit. When I called the number, they told me the credit had been issued to the party owning my debt. I consulted my bank and we went back to XX/XX/2012 and found a check written for {$3300.00}, which I believe was the pay off amount for the card. 

Every number I call seems to be sending me off in a direction that won't help to resolve the issue. The last of the 10 calls I made to Citi Bank, the rep said she was unable to pull up any account info for me and gave me a n umber to call. When I called that number, it appears to be a credit collection company. 

I also consulted my credit monitoring service and they said there was no bad debt on my credit report relating to Citi Bank. 

If this is a scam, it is very well orchestrated. 

I would appreciate any help in letting me know how to proceed with this issue. 

Thanks

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 2020-04-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/18 Portfolio Recovery placed a collection account on my credit profile for the amount of {$2000.00} which I do not owe. I did not open this account, I did not authorize this account to be opened in my name, I had no knowledge of this account. The original creditor is listed as XXXX XXXX  ( Banking ). Which I do have accounts with and all are in good standing. I tried contacting XXXX 's fraud department and they claimed to have no record of an outstanding unpaid balance under my name. The only accounts they have record of are the accounts I currently have which again, are in good standing. 
I have tried disputing this with both Portfolio Recovery over the phone which they claimed an investigation would take place and I would be mailed the results, that never happened. 
I filed a dispute with all 3 major credit bureaus and they came back as " VERIFIED AS ACCURATE '' but could provide no information how it was verified as accurate and told me to take it up with Portfolio Recovery. I have tried in good faith to resolve this issue and I find myself constantly being shifted around from one company to another trying to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
To whom it may concern : I have a dispute with Wells Fargo that began on XX/XX/XXXX. 

I have two ( 2 ) Visa cards from Wells Fargo. One is a debit card associated with my personal checking account, the other is a credit card associated with my XXXX XXXX XXXX. 

On XX/XX/XXXX a company called XXXX initiated a charge-back of {$65.00} to my debit card, and charged an equal amount to my XXXX XXXX XXXX credit card. The person at XXXX who initiated the charge-back told me that if I had an urgent need for the funds, that Wells Fargo could expedite the charge-back process. Regrettably, Wells Fargo refused to provide this service. 

My complaint about this issue was escalated to XXXX XXXX at Wells Fargo Customer Care Executive Services. XXXX XXXX stated that she could not accommodate my request. I stated that my need for an expedited charge-back was due to a XXXX XXXX, and that that my request was for a reasonable accommodation under the Americans with Disabilities Act of 1990.  XXXX XXXX stated that Wells Fargo did not have an obligation to accommodate my XXXX. 

I asked XXXX XXXX to provide me with contact information for the regulatory agency that I could file a complaint against Wells Fargo with. It is my understanding that banks are required to provide this information to customers who ask for this information. Regrettably, XXXX XXXX refused to provide me with this information. I stated to XXXX XXXX that she was refusing to comply with Federal law by refusing to provide me with this information. XXXX XXXX replied that she was not refusing to do anything. I replied that XXXX XXXX was indeed engaging in an act of refusal. 

XXXX XXXX finally agreed to escalate this issue to Wells Fargo Case Management, and she stated that this department of Wells Fargo would contact me by telephone on XX/XX/XXXX. I stated to XXXX XXXX that I would not file complaints against Wells Fargo with the government before XXXX  on XX/XX/XXXX, and that Wells Fargo should be sure to get back to me before this time of day. 

At XXXX XXXX  I received a telephone call from XXXX XXXX of Wells Fargos Consumer Case Management Executive Office. XXXX XXXX spoke to me in an abusive tone of voice that escalated in intensity over the course of our unpleasant conversation. XXXX XXXX stated that Wells Fargo did not have an obligation to make accommodations for XXXX people. 

Thank you for any help you can provide with improving upon the unethical business practices of Wells Fargo. 

Best regards, 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 2017-09-13
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Bridgecrest Acceptance Corporation
State: VA
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 have disputed several times to show that I paid off Bridgecrest account. The credit bureaus are not validating it properly even after I provided documents to show that my account is paid off.

Company response to consumer: Closed with explanation