BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I took out a HELOC with XXXX XXXX XXXX in XX/XX/XXXX. 
In XX/XX/XXXX. It was a predatory loan with a max interest rate of 15.158 % I had a XXXX XXXX and suffered financial difficulties. But I kept up my {$1400.00} payments. At that time I requested a loan modification from Us Bank. I went thru it 3 times with them on my own then I hired a lawyer, big mistake. I went thru loan mod 2 more times with lawyer and tried to litigate Us Bank but judge threw it out because I was not delinquent, so I went delinquent and tried again for a loan mod and was turned down for s different reason that time, too many assets. So I decided to start making payments 1. In XX/XX/XXXX I paid {$10000.00} and then again in XX/XX/XXXX I paid {$10000.00} and have made {$2500.00} or {$3000.00} payments every month. I have checks.Then US Bank started randomly returned some checks some they would keep. I received a 1099INT for {$10000.00} for XXXX and 1099INT for {$22000.00}. I had figured I owed about {$50000.00} in back payments since my last statement showed my payment of {$1300.00} and I was told I was 33 payments behind. I have reached out to US Bank and received nothing but attitude and an inflated amount due., They have sent no statements and have removed my account from online so even though I have sent well over the {$50000.00} I had calculated I owed they returned {$22000.00} kept the rest and when I finally got a printout last week after I slammed them on XXXX, They claim I am {$190000.00} in the rears. That is impossible the loan amount is {$490000.00} with what I have paid that they kept {$32000.00} equal {$220000.00} or 46 % Interest? 
When I finally got the printout it does not have a running total of interest or total due other then principal. It also shows they have raised my interest rate 9 times without sending me a single notice of change. And the statement does not show what my payment should be anywhere. They are so XXXX up one time when they returned my payment then sent a letter the payment could not post because the account was satisfied, and nothing is due. 
The last payment of {$1300.00} I made was XXXX. I have paid {$56000.00} since XX/XX/XXXX and they have returned {$23000.00} of my payments I have all the checks. 

I am 5 months from XXXX and not in the best of health and will not loose my home. I feel they want to foreclose because I have over a XXXX in equity. I had hoped they would show my last 12 moths of payment as on tine and I could refinance and get away from them. The rest of my credit is perfect this is the only derog I have and I take responsibility I should not of listened to the lawyer I know better but I was wishing and praying

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 2018-04-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Wells Fargo ( WF ) Home Mortgage in the XX/XX/XXXX to discuss my options to drop my PMI because I had made structural improvements to the home. I originally put down 10 % so I have to get below 80 % LTV to get the PMI cancelled. This done by ordering an appraisal through WF by a third party company, XXXX XXXX, to avoid any conflict of interest. WF incorrectly informed me that I had to wait two full years before ordering the appraisal which would be XX/XX/XXXX. I had a feeling that this was wrong so I called back again in XX/XX/XXXX and was told that there is no waiting period so I told them that I would like to order the appraisal. I told them about my experience and they agreed that I was given the wrong information so they agreed to pay for the appraisal cost ( {$550.00} ). The instructions to drop PMI through increased home value said that I was required to provide proof of structural improvements to appraisal company, which I did. We made structural improvements to the kitchen, bathrooms, fireplace, and patio. To get my loan below the 80 % LTV, the appraisal needed to be just under {$380000.00}. The appraisal was submitted to WF on XX/XX/XXXX at {$450000.00} which brought my LTV to 69 %. Wells Fargo informed me at the beginning of XX/XX/XXXX that they will no longer reimburse me for the appraisal and that they are not removing PMI because the appraisal company did not provide proof of structural improvement costs.

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 2020-07-05
Company: ARVEST BANK GROUP, INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX loan # XXXX Company Arvest Bank XXXX XXXX XXXX XXXX AR XXXX On XX/XX/2020 due the COV-19 pandemic, I was unable to maintain my financial obligation due my lost of wages I did request a grace period for payments as the federal government suggested. 
was granted 3 month, at the time my the balance on the principal was XXXX and my monthly XXXX payments, the breakdown was {$460.00} dollars for the principal and {$230.00}, wich bring my monthly payment to $ {$700.00}, wich I have no problem with.However after the grace period was expired the sended me the XXXX bill for {$700.00} intrest only, nothing applied to the principal and also I was told by one of the manager that XXXX bill They only will aplied around {$140.00} dollars to the principal, wich means they will penalize me with another {$500.00} interest. 
I think this is an unfair banking practice And they punishing me because the government order me to stay home.

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 2019-08-12
Company: Resurgent Capital Services L.P.
State: MO
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:
As my consumer rights as a citizen I'm requesting a debt validation from LVNV Funding, and a Method of Verification from the credit reporting agencies known as XXXX  and XXXX to show just cause of why they continue to report an account deemed to be fraudulent. Who / title of the person inwhom your company 's representative talked to and what form of communication was used. I'm demanding that the account LVNV Funding inwhom I have no contract with be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: NY
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 filed a dispute in regards to the incorrect items on my credit report. It have been way over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: EQUIFAX, 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:
I have spoken with representatives from the company to resolve this issue and no action was taken further. The inaccurate items are affecting my credit score and hindering me from approvals.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: WESTERN UNION COMPANY, THE
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I NEED WESTER UNION TO FURNISH ME ALL DOMESTIC AND INTERNATIONAL WIRE TRANSFERS FROM THE FOLLOWING NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my Capitol One credit card to purchase a ticket for US {$380.00} on XXXX XXXX from XXXX XXXX, XXXX XXXX to XXXX XXXX, California on XX/XX/2020. Even though I was assured by XXXX personnel at XXXX XXXX XXXX that I could change my ticket without any penalty or additional charge because of COVID-19, the XXXX call centeXXXX in XXXX XXXX forced me to pay an additional US {$53.00} when I actually changed the reservation to XX/XX/2020. I arrived at XXXX XXXX XXXX on XX/XX/XXXX only to learn that XXXX had grounded all its flights and there was no one from XXXX at the airport to make alternative arrangements and XXXX 's call center number was constantly busy. I had to buy another ticket and return to the United States on XXXX on XX/XX/2020. I disputed both XXXX charges with Capital One because no service was provided. Capital One gave me a temporary credit and asked for certain documents related to the transaction. I sent the requested documentation but then got a form letter from Capital One telling me that what I had sent was " insufficient '' with no details provided. Hence the charges reappeared on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: DC
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 some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( 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 deleted : XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-12-10
Company: Sprechman & Associates, P.A.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On Thursday, XX/XX/XXXX at approximately XXXXXX/XX/XXXX I made an initial call, in earnest , to Sprechman & Fisher regarding Case No. XXXX to begin discussion for a payment arrangement ... 

I spoke to a collector, " Ms. XXXX '', who began the call stating aggressively stating, " BY FEDERAL LAW, THIS IS AN ATTEMPT TO COLLECT A DEBT! '' without providing the FULL Mini-Miranda. Ms. XXXX repeated the statement again stating, " This is an attempt to collect a debt! " ... 

In addition, during the conversation, I expressed I wanted to discuss payment arrangements and " Ms. XXXX '' kept talking over me very loudly and extremely aggressively. I shared with " Ms. XXXX '' that the tone of her voice was extremely aggressive/threatening of which I found to be an attempt to control the call via intimidation especially by beginning the incoming call response with " BY FEDERAL LAW.. '' ... 

Furthermore, " Ms. XXXX '' advised and attempted to collect an amount of {$19000.00} instead of the Case No XXXX amount of {$7900.00}. I offered a balance in full payment plan of {$50.00} down for XX/XX/XXXX and $ XXXXmonth beginning XX/XX/XXXX towards the Case No XXXX amount of {$7900.00} which was not accepted. 

1. Debt collectors are required to give the FULL Mini-Miranda in their initial communication with you. 
2. If a third-party debt collection agency or collection attorney contacts you and doesn't give the disclosure, it has violated the Fair Debt Collection Practices Act. 
3. Even if you initiate contact with a third-party debt collector, they are still required to read you the Mini-Miranda.

4. " The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Roosen, Varchetti & Olivier, PLLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX the original lender who I got the auto loan from and their lawyers/debt collectors Roosen, Varchetti & Olivier LLC . 
On my credit report they have on their records the wrong amount owed which is double or almost triple according to my credit report. 
I have a court settlement for XXXX for which it was agreed upon that I pay XXXX dollars every month till the debt is washed. I have paid this every month on time and have receipts of each transaction. My amount owed hasn't changed and in fact has shown to have increased from when I first started paying 3+ years ago ( XXXX of XXXX  ). On my credit report it shows that I owe {$17000.00} On Roosen, Varchetti & Olivier LLC payment portal ( this is the company I make payments to as per the court and it states total due as XXXX which is false. Both of these companies are working hand and hand together. so I have no understanding why this is so incorrect, these companies are preventing me from getting my credit profile right and getting a proper loan. 
As of today with all of my payments up to date and on time I have paid XXXX if my math is accurate. I should only owe XXXX which is a very different # than what they show me to owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: WELLS FARGO & COMPANY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, WELLS FARGO CARD SER XXXX Open Date XX/XX/2014 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 explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: LA
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 FILLED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT IT HAS BEEN WELL OVER 30 DAYS AND THEY ARENT HOLDING UP THE LAW, THEY ARE NOT RESPONDING TO ME. I HAVENT RECEIVED ANY RESULTS OF THE INVESTIGATION.

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 2019-08-12
Company: Experian Information Solutions 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE BEEN ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received a letter from XXXX XXXX regarding my application and the stated my application was denied becausedthey could not get my information from Experian and XXXX. 

I contacted both agencies and they did not receive a inquiry from 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 2020-02-18
Company: Experian Information Solutions 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:
Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Dept of Edu/ XXXX  : 20 various accounts US Dept of Education- XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX & XXXX : XXXX XXXX XXXX XXXX  : XXXX  # # # # # # XXXX Hard Inquiries XXXX/XXXX  Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Finance Companies XXXX non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Following Inaccurate Addresses XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , NJ, XXXX XXXX XXXX XXXX   XXXX, WA, 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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX has violated my rights. 

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