BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was making payment to them, but it wasn't fast enough for them. They closed the account and sent it to collection. Which I tried to pay but the collection company sent me back the check The credit card company after sending it to collection, has now sent me a bill for an additional fee, and a note that my line of credit is {$5000.00}. 
As well as the collection agency is charging me interest after I paid the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX  Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANKRUPTCY # 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

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 2018-03-30
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ocwen loan servicing is my Collection co. In XX/XX/2017 i get a Eligibility Request form for either XXXX XXXX XXXX  or XXXX XXXX XXXX Get a check for over 1,1oo . I am one of many in NY State who got this. Because I submitted a complaint to the NY ST Attorney General 's office. Ocwen says not elligible for no more . Fund started at XXXX XXXX. Then I'm on a list real guick an see its up to 2.1 billion. Already been contacted by XXXX XXXX. No one is going to take my mtg with my current fixed rate of 2 % except I have a balloon payment on. Our last correspondence to Ocwen until I accepted verbally over the Phone was nearly 17 months. Why so long for the offer I took. I was close in doing a reverse MTg. Was told they don't do XXXX XXXX. the numbers were around 225k. 17 months later Principle is now over 280. I send in a hand written letter accepting. 2 checks etc. Talking to someone with a deep accent ( XXXX ) i can't understand everything being said. I just listen an agree. Should have talked to someone who spoke better English. They deposit all checks etc. I get the paper work in the mail to sign an see a balloon payment to sign. Then I knew what I was told over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i entered into a consumer transaction with Capital one in which a finance charge was involved. according to 15 USC 1605 a finance charge is a sum of all charges in a consumer transaction. i had also to to purchase separate auto insurance separately which was suppose to be included in the finance charge

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: WELLS FARGO & COMPANY
State: CA
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:
As a preface to my complaint, I must clarify that I had entered into a 12-month mortgage payment deferment program with my mortgage holder, Wells Fargo Bank. My mortgage payment deferment plan was in effect from XX/XX/XXXX until XX/XX/XXXX. As of this month in XX/XX/XXXX, I am no longer in a deferment plan and I made my regular mortgage payment to Wells Fargo. 

This past XX/XX/XXXX, I received an email from XXXX XXXX in relation to a new credit notification. The notification was associated with a " Delinquent Account '' and the details from the notification state that it was from " Wells Fargo Home Mortgage ''. The status of the notification sates that the account is " 180 days past due '' and the amount of the delinquency is {$7400.00}. The credit bureau associated with this first notification was XXXX. I received a similar notification the next day, XX/XX/XXXX but the status of this notification was " 120 days past due ) and the reported balance was {$0.00} ; The bureau or source attached to this second notification was XXXX. 

On XX/XX/XXXX, I received another notification related to the first notification from XX/XX/XXXX, but it was now reported from the credit bureau XXXX and when I received notice of this third notification concerning my credit status, I received an email concerning an alert with my credit score, which had been reduced drastically by 134 points. My current credit score as of this writing is XXXX and before all of this it was XXXX. The status date of this third notification was XX/XX/XXXX ( I will attach a XXXX XXXX   document with screenshots of the specific details of these notifications taken directly from XXXX ) I believe this to be a mistake on Wells Fargo 's part since I was in a formal 12-month Mortgage deferment program with them. I remained in accordance all through XX/XX/XXXX - XX/XX/XXXX related to the requirements and conditions outlined in the deferment program and I was not in violation of any of the terms and conditions of the deferment plan. I should not have been penalized and should not have had this agreement with Wells Fargo show up as a delinquency on my credit history and my credit score should not have been negatively affected. 

I have asked my assigned Mortgage Consultant with Wells Fargo about this issue and I have not received a satisfactory explanation regarding this issue.

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 2022-11-19
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: Information belongs to someone else

Complaint:
After apply for a loan, I noticed my credit score was extremely low. Once I checked my report i found out that my identity was stolen and I do not understand how they stole my information. Please Help. I have a fraud XXXX  Account I have a Fraud XXXX  XXXX Account I have several inquires on my report that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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:
After apply for a loan, I noticed my credit score was extremely low. Once I checked my report i found out that my identity was stolen and I do not understand how they stole my information. Please Help. I have a fraud XXXX Account I have a Fraud XXXX  XXXX Account I have several inquires on my report that i did not authorize.

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: LAKEVIEW LOAN SERVICING, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for forbearance 30 days ago. Emails claim that it will take 5 days to process. When calling the wait times are over an hour and the phone tree goes no where. The loss mitigation team is a no show, meanwhile due to COVID-19 I am  having trouble paying 2 months in a row.

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 2023-01-11
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had unauthorized transactions of XXXX. Which made my account negative XXXX. I filed a claim twice. Truist did not provide proof of investigation of my claims. I filed my claims in XXXX around the XXXX. My second claim was about three days after that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: CITIBANK, N.A.
State: SC
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:
On XX/XX/XXXX, an electronic bill payment was authorized from my personal checking account in the amount of {$340.00} to an account that is closed and no longer an active account. Once the funds were disbursed automatically the bank could not stop payment and advised I contact the credit card company.

On XX/XX/XXXX I contacted Citi Card and was routed to their payment investigation unit providing them information related to the payment and requesting funds be returned immediately. In addition, I also forwarded a letter via certified mail of my request requesting a refund due to the misallocation of the payment. Documentation included the online receipt and proof of payment. Note : Following my conservation with the representative in the Payment Processing Unit I was informed that I would received written correspondence with 15 days as all information provided was being entered in their system as an inquiry on my behalf. 

After no correspondence or response from Citi Card with the specified timeframe and despite the returned postal mailer verifying receipt of the letter, on XX/XX/XXXX, I reinitiated contacted with the company. This time customer service informed they did not have a number for the payment investigation unit advised I look the number up online then terminated the call. 

Any assistance Consumer Financial Protection Unit can provide would be greatly appreciated.

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 2022-11-19
Company: Experian Information Solutions Inc.
State: TN
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2018-10-28
Company: SCA Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was informed in XX/XX/2015 that I owed {$420.00} to XXXX XXXX for some testing they had done at the request of my physician back in XX/XX/2015. I called them and set up a payment plan where I needed to pay {$55.00} a month. I paid {$55.00} on XX/XX/2015, {$200.00} on XX/XX/2015, {$100.00} on XX/XX/2015 and the final payment {$71.00} on XX/XX/2015. I reviewed my credit history recently and found that they are saying I still owe {$40.00} and they sent that amount to a collections agency to collect on. This was not brought to my attention and is inaccurate, as I paid the full amount due.

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Victim of identity theft the credit bureaus are aware.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Originally, I was pre-approved for a loan of {$120000.00} on a condominium. After submitting 30 documents related to the closing, I was issued a closing date. Rocket Mortgage of Quicken Loans told me that I would have to raise my down payment from 5 to 10 %. I was able to do so. They told me that I would need to purchase a walls in insurance policy for the unit in question ; I purchased it. 

I was put off by days at a time and Quicken ultimately stopped the load due to the " aggregate considerations of the loan ''. Unless I was able to AGAIN, double my down payment, the deal was dead ; the deal was dead. 

Both my primary residence now as well as the property in question are on the south side of XXXX - areas that are predominantly XXXX American. A reasonable person would conclude that because of this factor, Quicken Loans inaccurately evaluated the loan as being high-risk and then killed the deal. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Credit Karma, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX  to report that I had unrecognized hard inquiries on my credit report and customer service did nothing about the problem. They were unprofessional and had me on hold for more than 45 minutes just to tell me it's nothing that they can do to help. I called XXXX 5 days straight and still got the same unprofessional response and I'm very upset about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo mortgage personnel opened accounts in my names and my kids names while I was a mortgage customer of theirs. The mortgage employee regularly fed bank employees the account sign ups at the XXXX XXXX WA ( and other branches ) in exchange for customer information about their existing mortgage products/rates. I discovered this was going on when I started receiving mailers about the accounts and went to the bank to inquire. The amounts were relatively low for the accounts opened ( like XXXX to XXXX dollars ) but they were opened in my name with my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 state : 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 conviction 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 customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I received today an updated TransUnion credit report. There is an account that is showing as adverse ... XXXX  ... .this account was never paid late back in XX/XX/2013. I have contacted the creditor personally a few times and it has been agreed that the account will be corrected and put on my credit report as a satisfactory account that is paid as agreed. They put the status as paid as agreed but yet listed it as an adverse account which is affecting my credit score. XXXX has corrected the issue as of date. TransUnion will not correct 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 2023-03-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I went on FifthThird Bank 's website to make a {$36.00} payment on my credit card account. I tried several times to make my credit care payment on-line and I kept receiving the message that the system couldn't accept my payment and that the system gave me a toll-free number to call. On XX/XX/XXXX, I called the toll-free number and spoke with a Fifth Third Bank representative and asked if she was able to see if a {$36.00} payment was made on my account. She responded, no. So I made a {$36.00} with the representative payment and she gave me a confirmation number : XXXX. About three days later when I checked my checking account, I noticed that I was charged four payments of {$36.00} each for the one credit payment that I made on XX/XX/XXXX. 

A few days later, I received notification that those 3 payments will be reversed. So, I'm thinking great. Today, XX/XX/XXXX, I received a call from Fifth and Third Bank stating that my credit card account needed immediate attention. I wasn't really concerned about my account because I knew that I had made my payments and my account was current. In speaking with the Fifth and Third representative today, XXXX stated that my account was behind and that I would have to make a payment and late fees would be added to my account in XX/XX/2023. I had to make another payment of {$36.00}. I asked if I could speak with a supervisor as I have never been late on my account and these issues are relative to Fifth and Third 's website and of no fault of mine. I held on the line for about twenty minutes and was disconnected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-28
Company: Sterling Infosystems Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Sterling Infosystems has a pattern of putting derogatory information which may belong to one individual onto other family member files. That they have a pattern of failing to timely investigate matters and purge derogatory information on a timely fashion. 

On XX/XX/18 I was provide a copy of a background report provided to XXXX  On XX/XX/18 I submitted a certified letter disputing the information and requested it be investigated and as of XX/XX/18 Sterling Infosystems has not responded

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 2023-08-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 non-monetary relief