BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
So after paying my mortgage and homeowners insurance for years. No major claims. fighting with the insurance company for over a year ( XX/XX/2017 ) for damages caused by hurricane Irma. Finally got a fair settlement after getting a lawyer and went through litigation process. Bank Of America wants to make the process even more difficult by implementing a process that makes no sense and only disrupts the homeowner negatively. Rather than simply endorsing the insurance payment check. BOA wants me to send it to them. So then can place the proceeds in a interest bearing account. I need to now send them all the insurance paperwork for the claim ( the insurance company has this information. why not contact them? ) The adjuster report and a contractor information before they endorse? Where was BOA a year ago when there were damages to the property? if i filed no claim and report no damage BOA would have no clue. so why do BOA want to take the insurance proceeds and place into an " interest bearing account '' while verifying repairs are done??? Mind you i would have to pay taxes on the interest. so why an interest bearing account?? How is this beneficial to the homeowner? this only Benefits BOA. Is this another way for financial institutions to rob hardworking honest people of their rightful claim and peace of mind? while fattening up their bottom line? this is money paid out by the insurance company and i find it very unfair if not mean spirited for after a whole year going through lawyers to get a fair payment, BOA   now wants to essentially slow up the repair process and possibly make money off a insurance claim payment??. Is BOA getting kickbacks from the insurance company?? I need the CFPB to really look into this process as it doesn't feel right and look right. And again, anything related to the claim that they want to verify, I am sure they can do that directly with the insurance company. Again this puzzles me because its not BOA paying out the funds, it's the insurance company who have after a lengthy litigation process made the payment!

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 2018-08-09
Company: Innovis
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: Old information reappears or never goes away

Complaint:
XXXX is listing an outdated " hard '' credit inquiry on my credit bureau report. 
The inquiry is dated XX/XX/2016 and is over 2 years old. The company that made the inquiry is XXXX XXXX, XXXX, XXXX. This inquiry should be deleted from my XXXX  credit file, because the Fair Credit Reporting Act, or FCRA, mandates that all credit inquiries that are 2 years old or older, must be removed, from a consumer 's report, immediately. 

I have contacted both XXXX  and XXXX XXXX  with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
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:
these accounts listed in this complaint do not belong to me someone use my information to open fraudulent accounts with out my consent or knowledge someone use my photo id and social security number I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-01-05
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I paid my first payment on my XXXX XXXX XXXX to Ally Bank. After making this payment I was instructed to choose the date I would like my monthly payments to come out on, I selected the 4th of every month. The next day on XX/XX/XXXX, a payment of {$340.00} was withdrawn from my bank account by Ally Bank, resulting in my account becoming negative {$270.00}. When I called to request they refund me, I was blamed for choosing the wrong date, and then told that the only thing they can offer is a check within 15 days, and they suggested I call my bank to put a stop payment on the amount. I informed the woman that the payment had already left my account so a stop payment wouldn't work, she assured me I was wrong. She told me to chose which resolution I wanted, the 15 day check or to call my bank. The woman was rude, again told me she was sorry but there was nothing she could do. I informed her that I have other bills that need to be paid, and she again offered me a 15 day check. This is my first experience and it was awful, and now I am behind on other bills because of their carelessness. After calling my bank, I was informed a stop payment couldn't happen due to it being out of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt is part of a litigation related to a car accident from several years ago. I spoke with the creditor the original agency as well as the other two credit reporting agencies and the charge was removed as it is in litigation and experian refuses to remove

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 2021-08-06
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Servicing of our loan was transferred to Nationstar Mortgage XXXX, dba Mr .Cooper last fall. We always pay on time, and always pay much more than the minimum. They almost always mess up the allocation of our payments, so that I have to spend hours on the phone with them getting it straightened out. 

This is very annoying, and suspicious, since their mistakes ALWAYS are in their favor. 

Recently, their screw-up in allocating our payment resulted in them reporting that we were more than 30 days late making a mortgage payment, despite the fact ( which they acknowledge ) that we have always paid on time. As a result, our perfect credit rating is ruined. 

I desperately want a different servicer, and I fervently would like to see this horrible company get whacked for their misbehavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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 is missing that should be on the report

Complaint:
Wrong address and name is reporting 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 2021-06-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX incorrectly reported a XX/XX/2021 30 day late to my credit report. XXXX XXXX XXXX XXXX responded that it was XX/XX/2021 and I have attached the statement. Now Equifax needs investigate the erroneous statement. Equifax is not to verify if the account belongs to me! Not verify my name, address etc!!! Equifax needs to follow the federal law to report accurate information. My report says XX/XX/2021 30 days late and XXXX XXXX XXXX XXXX told consumer finance XX/XX/2021! Erroneous reporting is illegal! Give XXXXXXXX XXXX the 30 days the law says to rectify. The law doesnt say verify address as a solution to my complaint.!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: MS
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've made several attempts over the past year to have my consumer report corrected by Experian. The most recent attempt was made on XXXX XXXX and the inaccuracies are still being reported on my consumer report. This is unlawful and Experian has continuously ignored my requests to correct these inaccuracies. 

The following accounts have been reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S. Code 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. 

Therefore, it is unlawful to report anything to my consumer report without my consent.

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 2018-06-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Chase Mortgage on three different occasions and was told I was a approved for a disaster loan modification where my payments wouldnt increase and my loan would not start over, and that my payments would be rolled back into to the loan due to Hurricane Harvey back in XXXX and in XXXX I was told that I would be getting an offer letter with the terms of the payment via XXXX as of today I have not received anything, so I called Chase today and spoke to a rep whom told me that I was not approved for anything and that he couldnt guarantee me any assistance even though my home was damage during the storm which was a natural disaster for Texas, my frustration is that I have been given false and inaccurate information about the assistance of saving my home I dont believe my loan is being handled correctly I need someone who can assist me with this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I contacted Wells Fargo Auto Loan Services XX/XX/18 at XXXX PST to resolve my late car payment. First error was that the automated system nor the agent of Wells Fargo did not indicate that the call was being monitored or recorded. The representative was extremely rude and uncooperative when seeking a temporary deferment due to my current financial hardship. According to the rules of Wells Fargo, they are not able to approve a deferment unless i have income coming, which defeats the purpose of the needing the deferment. I explained to the representative on numerous occasions that do have income, as I have been approved for unemployement, i am just waiting for my first check. representative exclaimed in a very rude and obscene manner that there is nothing they can do until i receive that income. I am already 20 days past due. The level of unprofessionalism and lack of understanding of my situation from one of the biggest banks in the nation, who is already under a lot of scrutiny on a multitude of fronts including stealing money from their own consumers, is unethical in nature. I first spoke to a representative named XXXX ( no last name ). The bulk of unprofessionalism, the lack of helping a consumer needing to get back on track, and the attitude this representative had was unwarranted and very disrespectful. I asked to speak to a supervisor. Once the supervisor got on the line, the supervisor was WORSE than the original representative. His name is XXXX XXXX. XXXX let me know that he listened to the call and that there is nothing they can do for me. I then told him, I was not aware, nor was i told that the call was being monitored or recorded, which is against the law in my state. He was extremely combative and unwilling to help or listen to my situation. He just kept saying that, i listened to your call and there's nothing we can do for you over and over again. And you became a supervisor how? Both of the representatives clearly do not enjoy working for Wells Fargo. I urge that Wells Fargo hire competent employees that actually want to help people get current with there loans and provide different methods and avenues to assist their consumers willing to get current.

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 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ALL 3 CRA FAIL TO SEND UPDATE CREDIT REPORTAND CONTINUE TO REPORT ACCOUNTS NOT MINES : '' XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX '' ... .NEVER DONE BUSINESS WITH COMPANIES AND OUTDATED REPORTING ON FILE

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 2018-11-15
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NV
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: Problem with personal statement of dispute

Complaint:
A mortgage lending company pulled my credit on XX/XX/2018. I reviewed my credit report and found several errors and several accounts that do not belong to me. On XX/XX/2018 I submitted a credit dispute to XXXX XXXX, XXXX. In the credit dispute, I described the errors with my credit report and asked the credit bureau ( XXXX ) to remove the accounts from my file. On XX/XX/2018 I received a reply from XXXX  stating they received a certification that the information is accurate. But they have not provided me with any documentation or other evidence to support their claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: WI
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:
The Credit Bureau has failed to remove my disputed items. They have not sent proof of Validation for any of the following Disputed Items. 

The 1st Dispute letters were sent out on XX/XX/XXXX, This letter asked for any copies of documents that they have that verifies the accuracy of the accounts. These letters were sent to XXXX, XXXX, and Equifax. They failed to send any proof of validation of the debt. The Second letters were sent out on XX/XX/XXXX. The third was sent on XX/XX/XXXX. No proof was every mail to me, the only item mailed to me was a bill sent from XXXX XXXX XXXX. 

After looking at the Fair Debt Collection Act, I have found many violations that the Credit Bureau is allowing to happen. I have sent these violations to each Bureau with an attached Invoice for their lack of protecting the consumer right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2014 I opened an account with XXXX, I switched providers thinking everything was good with no money owed. I just created a XXXX XXXX and noticed I have a derogatory remark on my XXXX   and its affecting me to finance a house. However, I was never notified about this debt and never received a bill. I would like to address this immediately and get this negative remark removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery calls from hundreds of different numbers which do not leave messages. I never answer calls on my cellphone from numbers I do not know, but I XXXX search them after the call and always find them to be from Portfolio Recovery. I receive at least 2 calls  a day in this way, never leaving a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
BASICALLY THERE MAKING IT HARD FOR ME 2 GET ANY TYPE OF CREDIT. THEY CALLEME HARASSIMG ME THREATNING ME OVER AND OVER AGAIN I ONLY BOROW XXXX FROM THEM AND THEYRE SAYING I BOROWED XXXX.WICH I DID NOT ALSO THEY ALSO GAVE MY # TO OTHER LOAN COMPANYS CALLING ME OFFERING ME. LOANS I JUST WANTEM TO. STOP PLSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/18 I transferred {$250.00} from a USAA mutual fund account to a USAA checking account. Per the written terms published on their website and information on the screen during the transaction, the funds should be available same-day as they have been in the past and in compliance with The Expedited Funds Availability Act ( EFAA ).

The terms of their depository agreement state : When Available Type of Deposit Same business day as the day of deposit. 
Funds received electronically through an ACH credit Transfers from other XXXX accounts you own ( Copied and pasted. Transfers from other XXXX accounts I own, same day ). 

Immediately after completing the transaction, a message came up saying there was a 2 day hold on the funds, no warning before. I complained to USAA and said the written terms said the funds will be available same day and XXXX says there should at most be a 1 day hold because this is a USAA to USAA transfer and meets none of the " exceptions '' for longer holds. 

The USAA rep said they had a " new policy '' beginning XX/XX/2018, and apparently had not updated their online terms yet. - Beginning XX/XX/XXXX, when members move money from USAA mutual funds ( USAA Funds ) or USAA Life annuities to a USAA Federal Savings Bank ( USAA Bank ) checking or savings account, the money will no longer be available immediately. A one to two-day delay in funds availability will apply to future, recurring and on-demand transfers. They should absolutely have to adhere to the written terms online because they stated in writing the funds would be available same day, and a 2 day hold to a low-risk usaa to usaa transfer is in violation of EFAA because this transaction meets no exceptions for longer hold time. 

I had moved this money to cover a bill. On XX/XX/18 even though USAA had the funds, because of the 2 day hold the funds were not available and they rejected the bill payment for NSF including a {$29.00} fee to USAA, {$27.00} NSF fee with the merchant and {$35.00} late fee with the merchant for a total of {$91.00} fees due to this hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation