BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: EQUITY LOANS LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My monthly mortgage went up by almost XXXX dollars. I was never notified of this by my mortgage lender. I'm a single parent and It's going to be hard for me to pay my mortgage. When I spoke to the mortgage lender they told me it's because my property taxes when up. I told them that my property taxes went from XXXX a year to XXXX, XXXX. How can they just send me a bill that I used to pay XXXX and now I have to pay XXXX dollars.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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: Public record information inaccurate

Complaint:
I got a bankruptcy, more than 7 years ago and it continues to appear in all my credit reports, XXXX, TransUnion and XXXX. 
Supposedly the punishment for a Bankruptcy is that it goes out reported for 7 years, and those seven years have already passed, and all the credit bureaus continue to report it

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 2018-07-24
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$120.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company didn't respond to my first letter or did I receive any viable document bearing my signature. I sent them a 2nd letter on XX/XX/18 continuing to dispute the derogatory item on my credit profile, this letter was received via certified mail by them on XX/XX/2018, this company responsed to my 2nd letter with a document that looks like a bill, and no other document was provided bearing my signature stating I have a contractual agreement with them. They continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. This company continue to break the law by falsely reporting derogatory item on my credit profile. This is illegal and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-02-26
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 information incorrect

Complaint:
TRANSUNION HAS BEEN REPORTING A ACCOUNT WITH XXXX  AUTO AS A REPO WHICH IS INACCURATE. THIS WAS REPORTED ON XX/XX/2020 BUT NO ACTIONS HAS BEEN TAKEN TO REMOVE. 
ALSO A ACCOUNT WITH CREDIT COLLECTION SERV IS BEING REPORTED AGAINST ME AND THATS NOT MY ACCOUNT. THESES ARE VIOLATIONS OF THE FCRA AND I WILL BE SEEKING LITIGATION IF THE TWO ITEMS ARE NOT DELETED IMMEDIATELY. IVE ALSO FILED A COMPLAINT WITH THE FEDERAL TRADE COMISSION IN REFERENCEC TO THE MATTER.

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 2020-07-10
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home was heavily damaged by Hurricane Michael XX/XX/XXXX. After lengthy battles with the insurance companies, we have finally received the funds needed to repair the home. However, we are required to send our check to Amerihome for disbursement. This is the second time we have had to do this, and once again it has become a circus of incompetence, inaccuracies, and misinformation regarding the process to receive OUR money. The check was sent to Amerihome XX/XX/XXXX. It is now XX/XX/XXXX and we still don't have all the money released to us for repairs. 
1 ) We are required to call about every three days for instructions or updates. Every call results in a different answer, different process, different requirements. How is everyone not on the same page. This is a tremendous waste of our time. 
2 ) We have submitted lien wavers, contracts, and receipts. we have been told they're incorrect, not needed, or we need a different form??? Which is it? 
3 ) As stated, we went through his with the first round of checks. Now the process is different per Amerihome, even though it is the exact set of circumstances as before.

4 ) They advise to log in to account to check status of checks. However we were told that's not possible, we have to call every time we want info. And every call results in a different answer.

5 ) We have been told disbursements would be made in X, Y, and Z amounts. This amount changes every time. We were told submit receipts and get reimbursed. Submit contract and they would send money to the contractor. Finally today they said only about 1/3 of the money would be sent, and after work is 100 % done, final payment would be made. How are we supposed to fix house to 100 % without 100 % of the money?

Again, after over a month of back and forth with no consistency in the process, we are still waiting for our money to fix the house. And it's even scarier to know this same company manages our mortgage. We just want our money now and we want our house repaired without having to deal with such XXXX. It's been almost 2 years since the storm and I don't need Amerihome dragging this out any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been in contact with XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX  Through CFPB. Both have confirmed through CFPB and in writing to us they have no affiliation to the property or Wells fargo and decisions on the mortgage and note and XXXX XXXX don't have any knowledge of any assignment of mortgage in 2009. 


Who are you servicer the loan for??????

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-06-05
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This has been going on for multiple weeks now. There was a payment scheduled that was not authorized by me and the events that have occurred since this unauthorized payment took place have been at the center of this issue. In short, a payment was made from my Wellsfargo checking account to my Wellsfargo credit card. The original unauthorized payment was reversed. 

Since then, a retry payment has been attempted even though the payment was canceled. Over XXXX was pulled from my checking account to my credit card account ( for the second time ) leaving my checking account in a negative balance. The payment does not show on my credit card account. It only appears that the XXXX has vanished. 

This amount was pulled XX/XX/XXXX and still does not show any reversal in my banking accounts. I have spent 3 hours on the phone with Wellsfargo since XX/XX/XXXX. I was told that the funds would be back in my account XX/XX/XXXX - false. I was told that the funds would be back in my account XXXX - false. It has been almost a week that my money has been tied up in limbo. 

The 8+ people that I have spoken with at Wellsfargo have been unable to help explain or give me accurate information as to when my money will be available for my use. I am appalled at the company 's lack of haste and respect for my time. I will be leaving Wellsfargo as soon as my money is returned to my Checking account.

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 2023-03-25
Company: Experian Information Solutions 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm a victim of identity theft, I've also a victim of the XXXX data breach. Accounts has been opened up in my name inwhich I have no knowledge of. In particular the following accounts are not mines, therefore I'm asking that they be removed or support by certified physical documentation. Please remove the following accounts. 

1. XXXX XXXX {$12.00} 2. XXXX XXXX XXXX {$130.00}

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 2018-04-23
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Care Credit has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2020-12-14
Company: Monarch Recovery Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX home had a month to month contract through the Business We contacted the Representative for the company to provide a new quote. His quote was with another company not XXXX and was to high. He told us not to use XXXX XXXX. We got several Quotes. We notified the XXXX  XXXX representative and we called XXXX XXXX Directly. We sent in a notice of cancellation. We called and asked the final amount due. We paid in full the final amount due, wrote this on our payment payment in full. 
XXXX XXXX has now sent out a personal debt collector on me in a fraudulent amount of {$1300.00}. They have also sent this to collections in my personal name and I did not personally or individually sign up for services through XXXX XXXX. 
They have called my cell and repeatedly harass me. They have created a huge debt which is fraudulent and factually incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
While I was navigating on the TransUnion website to obtain a free Credit Report, a window opened up that offered a XXXX XXXX. There was no price advertised with it so I thought it was part of the free report. I clicked on it and before I could realize, my credit card was hit with a XXXX charge. I didn't even click on a " Confirm Payment '' button before my card got charged. They could have at least advertised and warned that consumers were about to be charged for the buttons they click onbut nothing! I tried to contact customer service but all they could offer was survey windows to write something in, so I did. A lot of good I think it will do me! I also think TransUnion was pretty sly in how they present their website offerings ; with free report in one window ; then unadvertised subscriptions that cost money in the other. I felt pretty cheated. Can you please help me get my XXXX back to my credit card? Thank you 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 monetary relief
Consumer complaint received 2021-07-19
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After payment was made on a debt that was arranged to a lesser amount on a debt that was not conclusively my responsibility to Midland Credit Management XXXXXXXX XXXX XXXX XXXX MI XXXX was victimized by identity theft resulting in my bank accounts and phone service being lost for an elongated amount. After rectifying matters I attempted to resume the payment arrangement that was previously agreed upon settlement installment which was XXXX. They informed me that the balance was XXXX and would not allow me to resume my payments which I attempted to make in good faith although As I was justified.for any and all delinquency. I've made numerous attempts to rectify the matter consistently being.transferred from department to department intentionally hung up on being treated rudely and in a very demeaning manner.. Consistently calling me XXXX or by the wrong name as if they're doing it intentionally. My name is XXXX which is how it is listed shown on my account This is clearly a case of gouging harassment and default on their part. I have disputed the balance of this account internally with Midland Credit Management In which they were supposed to respond to me directly or by email. And with their promissary statements of dispute arbitration by their head officer of that department. I had still not received any correspondence as of today. I've also filed dispute with XXXX XXXX and XXXX to no avail ..Any and all assistance in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$5500.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.

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 2021-07-19
Company: EQUIFAX, INC.
State: FL
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 attempted to order my credit reports and filing a dispute multiple times with Equifax using without any result. I have tried to update my information. I have spoken on the phone with reps and supervisors, still more than a year later, I am still having the same issue. It all started back in the beginning of 2020 till now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was the victim of Transunions service error. I have contacted customer service and they refuse to remove the inquiries that were added to my credit without my permission. 

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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to  complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credit checks were conducted against my credit file by XXXX as listed in the below complaints to CFPB. I want to be sure that the credit reporting bureaus are not listing credit checks from XXXX ( or its partners XXXX on my credit file. I have no service in my name with XXXX. I never authorized them to check my credit. 

CFPB Complaint # XXXX : XXXX ( XXXX XXXX XXXX ) CFPB Complaint # 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