BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: VA
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:
The following accounts have violated my rights. 
XXXX  XXXX XXXX Dept ed XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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 explanation
Consumer complaint received 2022-01-25
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo Bank provided a " temporary provided for negative balance prior to a stimulus payment '' to my account on XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. I spoke with a representative to explain what this was. They made it seem like because I overdrew the account within 24 hours of a stimulus payment and that the payment was pending, that the fees would temporarily be waived until the funds hit the account. I was aware that institutions were not allowed to access this stimulus payment for fees or amounts owed. The bank sent notification that the money would be taken out again in the future, once the stimulus payments ended. I did not think that there would be an amount since the withdrawal and the deposit of the funds happened while deposit was pending. I put in a complaint that is being reviewed by the complaint division of WF, because the transactions were not all made at once, they should not be taken out all at once. There was not enough clarification regarding this matter, as well as XXXX not following Federal guidelines preventing the stimulus from actually assisting. They still in fact applied fees to the stimulus payments, just deferred the date it was withdrawn. It does not negate the fact that they penalized stimulus payments just because they changed the dates and this applies financial hardship to their clients and does not comply with government mandates.

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 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
According to state revised code : The XXXX XXXX account in this complaint is a business account and should not be on my personal credit report. I'm requesting assistance with helping the credit bureaus resolve and remove the account in question within 30 days.

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 2022-12-10
Company: CORELOGIC INC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
CoreLogic and its associates XXXX XXXX XXXX and/or representatives continue to willful violate RESPA as well as overcharging clients and mismanagement of escrow accounts creating a constant surplus or shortages and/or a way to charge people a higher monthly payment. 

They play a game of calling its errors when doing so or claim it is mistakes when in fact, they are experts at it and continue cook the books and/or do things to create either a shortage and/or overages they use the taxes as part of the cooking of the books processes. 

By either overpaying them, underpaying them or paying the wrong property or not paying them at all until it's a problem. Then they get the overpayments from the taxing authorities sent to them. They have made millions doing this causing chaos for the average person as well as hardships, distress, mental anguish. ( See below link. ) They are fall into a pattern also involves the insurance companies and/or do so during such renewals and/or are price gouging. They send a shortage of escrow notice and even when you pay it in full, they play games like they dont know it or receive it and continue to bill you the monthly installments then overpay or under pay the taxes or dont pay them and the mortgagee has to and/or stay on top of it exploiting the RESPA processes. They also set up a separate company to handle the property taxes as part of the cooking of the books processes. 

XXXX XXXX XXXXXXXX XXXX Note XXXX seems to be this years new number of increases to monthly billing. 

They have at minimum grossly mismanaged the escrow account and/or the paying of taxes and/or their incompetency is a breach of contract FHA laws or rules XXXX RESPA violations and causinXXXX XXXX XXXX people and/or mental anguish. 

Please see prior complaints # XXXX and XXXX. 

They may also be using as a harassment operation, political hit jobs or to fund and insurgency at the XXXX XXXX. Unknown, Unconfirmed, Unverified.

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 2020-01-03
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
After being served with papers indicating I was being sued by Rash and Curtis at home, they also sent a server to my place of work. They told the receptionist I was being sued. I had no idea up to this point that Rash and Curtis had bought my medical debt from XXXX XXXX XXXX. I had no idea who Rash and Curtis were. 
When I called them and explained the event occurred during a volunteer event with a church, and the church had said they would take care of of, they explained they were suing me and getting a judgement against me for 25 percent of my wages. I asked why they served me 1 ) by mail 2 ) at home 3 ) at work. They said that the servers were not their problem. I said they can't serve me at home, actually speak to me and identify me, and then 2 days later also serve me at my place of employment. They said yes they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Figure Technologies, Inc
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a prescreen offer from the company FIGURE offering home equity lines, all of the marketing material references " Home Equity Line of Credit '', however they are actually only offering home equity loans. This is deceptive and misleading marketing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX Re : Dispute Follow-Up Regarding US DEPARTMENT OF EDUCATION Account with Transunion, Account # XXXX Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to provide an update on the ongoing issue regarding the reporting of the US DEPARTMENT OF EDUCATION Account on my credit record by Transunion. I appreciate your continued attention to this matter and wish to share additional information following my latest correspondence with Transunion. 

Enclosed herewith is a copy of the most recent correspondence I received from Transunion, dated XX/XX/2023. Contrary to their representation, Transunion has not deleted the US DEPARTMENT OF EDUCATION Account from my credit record, and they continue to report inaccurate information despite my repeated requests for removal. 

Transunion 's acknowledgment of the dispute and subsequent claim of deletion are misleading and inaccurate. The US DEPARTMENT OF EDUCATION Account remains on my credit report, in direct violation of the law and my rights as a consumer. 

I want to reiterate that, as per the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2, a consumer reporting agency is required to block the reporting of any information resulting from an alleged identity theft not later than 4 business days after the date of receipt. It has been well beyond this timeframe, and Transunion 's failure to take corrective action is unacceptable. 

I kindly request that the Consumer Financial Protection Bureau further investigate this matter and ensure Transunion 's compliance with the law. I am seeking immediate and accurate deletion of the US DEPARTMENT OF EDUCATION Account from my credit record. 

Thank you for your ongoing assistance in resolving this dispute. I appreciate your dedication to upholding fair and accurate credit reporting practices.

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 2020-01-03
Company: SYNCHRONY FINANCIAL
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal has PayPal Credit service which is handled by Synchrony Bank. As an option for the purchase over {$100.00} they offer deferred interest option for 6 months. But when you pay more than minimum payment due they apply extra money to this deferred interest part of the account, which has 0 % interest for 6 months, while regular part has more than 25 % interest. Obviously, it is a violation of the law requiring to apply payment to bigger interest balance first. I have called them once and they immediately adjusted payments re-applying it to the standard part. However, next time they apply the payment again to the deferred interest balance. Attached is my XXXX statement demonstrating how they adjust payments I have made. I also attached XXXX statement showing how they apply my payment to the deferred balance while expiration date was XX/XX/2020.

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 2018-01-05
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX that went to collections. The amount was {$200.00}. I did end up paying the total balance off. Yet it still shows on my credit score as not paid for. Ive called them 3 times and have asked to give me a letter of deletion but they wont.

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 2022-12-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
1. Tried 4 times today to get past their automated computerXX/XX/XXXXXXXX, 2022 I placed a freeze alert XXXX and a fraud alert XXXX. Called today to remove both and system put another freeze back on my account. I received XXXX confirmations of the removal of both, NOT SURE IF THIS WAS COMPLETED AND IF NOT, THE ALERTS NEED TO COME OFF IMMEDIATELY. Confirmation they are off, XXXX and XXXX... 
2. Another complaint is my credit score is XXXX points lower with the same credit information EVERYWHERE and I want to know why? I want this fixed, XXXX points lower is bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I obtain a loan from fifsg in XX/XX/2013. My payments did not begin until XX/XX/2013. Ive made payments before the due dates or sometimes 5 or more days after the due date. However, in XX/XX/XXXX I requested a different date for payments in writing, which was granted to the XX/XX/XXXX of each month. However even though I was granted the request I still continue to receive late fees and reported to the credit reporting agencies I was more than 30 days past due when I was not. I carefully look at the payment history and realized not one single payment was 30 days past due. Also they also stated they ran a check through my bank and it was returned when they never did had to get on a conference call with the bank and they confirmed no check ever came through my account.But still had reversed payments posted to my account.They also continue to harass me each month about payments that were not past due by phone and email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2020-07-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my third request to get the reporting correct on my credit file. My next step if this does not get corrected will be to hire an attorney to try and get this fixed. 

Document attached will show all details of what is going on. Numerous documents attached. 

XXXX XXXX - entered into a forbearance plan on XX/XX/2019 - document is attached. Payment of {$130.00} has been paid on time since XXXX of XXXX but they continued to report payment late to credit agency. Document showing all payments attached. 

Filed a complaint with you on XXXX XXXX on reporting late. Document attached showing they were suppose to fix it. XXXX XX/XX/XXXX and XX/XX/XXXX. Another document attached showing Experian reporting it 180 days late as of this month. 

Document from XXXX XXXX website showing I am 30 plus days late. 
Loan modification showing I am approved for this beginning XX/XX/XXXX - I paid the XXXX payment on payment agreement of {$130.00} forbearance plan- document enclosed. I have also scheduled the modication payment scheduled for XX/XX/XXXX for full amount. With all that is going on with XXXX XXXX and mortgages - I want to make sure my account is updated and credit reporting is correct and NOT reported 180 days late as it has adversely effected my credit. I believe they are trying to make me lose my house at this point - you can not get through to them by phone to fix and it is like someone keeps going into my account and changing things so I am always appearing late on payment. Please help before I take this to an attorney to fix or sue them.

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 2019-05-02
Company: WELLS FARGO & COMPANY
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
WFS just sent me a XXXX dollar reimbursement, because they were found guilty of over charging me for XXXX XXXX XXXX. This cost was baked into my car loan, WFS gave me a derogatory payments reporting when they were charging me fees I should not have paid in the first place. This was incorrectly reported.

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 2022-12-09
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX is reporting I owe them a total amount of XXXX dollars. After numerous attempts to contact the agency and ask for debt verification and debt validation as well as a sign contract with this agency ( which they were unable to provide ) but instead sent a bill from XXXX. I have reached out to the credit agencies and I am not getting any responses to the discrepancies on my credit reports are reporting inaccurate information as I have never had an account or signed contract with this company. 

This account has come back verified but what actual proof did they verify because they still did not provide a contract I have specifically with this company. I reached out to this company over 30 days ago and have yet to receive a response from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX the Post Office lost my letter with payment. I know this because the check was never cashed and it was in the letter. I received the next statement showing no pay and including extra charges. I called City Bank and told them that the Post Office had lost the letter. They looked at my payment record and said I had always paid the full amount and they would remove the penalties. The next bill included a {$2.00} penalty, so I called again and was told they would take care of it. I sent a check for the total of my purchases. The next bill had another extra {$2.00}. I paid the total merchandise charges and cancelled the card telling them I had enough of their lies. The next bill had another {$2.00} and merchandise charges of {$20.00}. I wrote a check for {$20.00} and took it to the XXXX XXXX to be paid. Since the card was canceled, they would not accept the payment. I sent the check and a letter stating the store would not take the payment. Also I stated that it may be late because of the time to get there. These " wonderful '' people ignored the letter and sent a bill with more penalties. I have had enough of their greed and mismanagement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are multiple names on my credit report also a bunch of credit inquiries i need to fix i reported this to equifax & also other credit agencies & nothing has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Filed a loan modification in XX/XX/XXXX ( due to issues with hurricane Irma ) with Freedom Mortgage. Made all payment as required on time. Began getting notices of no payment. Supplied proof of payments and dates. Problem escalated recived letters saying we owed upwards of {$22000.00} dollars. We hired an attorney. Freedom Mortgage acknowledged the mistake multiple time over the course of multiple hour plus long calls. We had promises of reviews, returned calls, and corrections to our credit. Nothing promised by Freedom Mortgage was done. XX/XX/XXXX payment was refused and returned. XX/XX/XXXX Freedom Mortgage informed us via conference call with our attorney that they had filed for and were proceeding with foreclosure. Our attorney requested that the service be sent to there address. The representative went so far as to refuse to acknowledge that they would comply. We are still making our payments to a trust set up by our attorney. Due to the false derogatory reporting on there part, we have had an increase in our auto insurance rates, we are unable to refinance with another company taking advantage of the lower rates, and accessing the equity in our 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