BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-25
Company: ASSOCIATED BANC-CORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Back in XXXX, I began a construction loan with Associated bank. Before choosing them, I received a quote for X initial bank fees for the construction portion, and then {$300.00} to transition the loan from construction to 30 year fixed. The initial part went as agreed, when the time came to transition to a 30 year fixed, the loan officer said I could no longer transition the loan as we previously agreed and would have to do a full refinance, which would cost thousands more in bank fees. I highly suspect he gave me a low price to get my business, fully intending to try and gouge me for thousands more once I had a foot in the door ... as this salesperson was very commission-hungry. At this time, I had to quickly pivot and go with another bank as I no longer trust this bank. As part of this process, my bank sent 3 requests for a bank payoff statement. The first request dated XX/XX/19 was a cutoff statement and unusable. The second dated XX/XX/19 was for the wrong period, as we requested a payoff statement for XXXX, not XXXX. The third dated XX/XX/19 was finally accurate. I was charged 3 fees for {$25.00} each to fax these. I never agreed to any of these fees, the {$25.00} to fax a piece of paper is completely ridiculous, and 2 of them are errors on the part of the bank. Also, Associated is supposed to send me my escrow amount and any overpayment within 30 days according to your website. This has not happened. They have claimed they have a check number and mailed it in XXXX. This is a downright lie as I have not received the check ... yet I have received no less than 5 other pieces or correspondence from them in the last 2 months. They want me to stop in at a branch location, sign a bunch of paperwork, probably pay a bunch of fees, to get a new check. I shouldn't have to do that, and frankly based on their actions I just don't trust this bank anymore. I submit this complaint to the XXXX  already, the person I spoke with at the bank listened to what I had to say ... and submit a seriously flawed report to XXXX  where she completely mischaracterized and downright lied about what I said. The biggest lie being that I switched banks due to a lower interest rate ... which I never said and she completely fabricated out of thin air.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX CARD Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2017-08-22
Company: Experian Information Solutions Inc.
State: GA
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 am a victim of Identity Theft, I have submitted a dispute to block the fraudulent accounts and inquiries, yet despite sending my supporting information according to FCRA 605b I have not been able to resolve the issue of reported items that are fraudulent. I would like an immediate block on all specified items according to the aforementioned congressional act.

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 2022-06-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
reporting company 's investigation into an existing problem We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found some inaccurate reporting on my credit report. I wrote TransUnion a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX  with very high education and i am able to write my letters of dispute without need for a third party. TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : XXXX - account number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

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 2017-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company, Portfolio Recovery Associates, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$460.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXXand XX/XX/XXXX of the debt and the account however the business failed to provide adequate proof ( contract, signature, etc.. ) regarding the alleged debt. Considering this business does not have a contract with me for goods or services and was unable to provide a signature or contract from me, I am not obligated to pay for the alleged debt. I have also filed a complaint with the BBB regarding this collection agency and its policy and again they have failed to provide proof or even acknowledge the debt in any substantial way, which has left this matter once again unresolved. This specific account is affecting my credit history with its unsubstantiated inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: EQUIFAX, 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:
Equifax has been notified their information is incorrect on the following account : XXXX XXXX XXXX XXXX Ive reviewed my records and the last activity on this account occurred XXXX/XXXX/XXXX with my check # XXXX. No further activity occurred. If the creditor claims otherwise Im asking that Equifax require them to provide proof of any such alleged activity and by proof Im not simply referring to their printed records. They must provide a ledger accounting of any activity beyond the date Ive listed. Otherwise Equifax should remove this account entirely. Also, confirm that there was NOT any activity created by my ex-wife, XXXX XXXX, instead of me.e. This account is NOT listed on either XXXX or XXXX. Their records are correct and Equifax should adjust their records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Capital One automatically closed out my saving account due to more than permitted numbers of withdrawals from my account. The bank remitted the remaining balance of {$7100.00} on XX/XX/XXXX to a bank account not confirmed by me. I don't know where the fund is so far. 

I have been calling/emailing Capital One. I also went to the recipient bank 's branch to have them contact Capital One. I didn't see any progress on the issue so far. Each time, different representatives from Capital One gave me different directions/explanations/instructions. The latest status from the bank is that they are still having trouble identifying where the fund is and started reaching out to the recipient bank after 2.5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: NORTHWAY BROKER LTD.
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have a lot of bad pay day loans and they are getting out of control cause they are holding my company phone as hostage and almost getting me fired cause they keep doing this every payday and they also take more out of my account then they say and I honestly dont know how to go about this, I have screenshots of all of them and my account too

Company response to consumer: Untimely response
Consumer complaint received 2017-08-22
Company: EQUIFAX, INC.
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:
The matter is in reference to a XXXX XXXX XXXX ( XXXX ) utility account I held from XX/XX/XXXX XX/XX/XXXX. The account 's final bill was reported to Equifax Credit Bureau as not being paid. I have attempted ( three times ) to resolve this issue directly with XXXX, yet have received no response from them. While the XXXX electric utility account was in my name, payments were handled by a third party XXXX a roommate ) who failed/overlooked closing out the final XX/XX/XXXX bill. InXX/XX/XXXX, when the final bill was past due, I did not receive any email, mail or phone notification from XXXX that there was a past due balance. ( XXXX had all of my contact info. ) Therefore, I did not have a reasonable opportunity to fulfill the obligation and make final payment before the account was reported to Equifax credit bureau. In XX/XX/XXXX, I learned of the collection and immediately paid the account in full to clear the balance of {$240.00}. The collection account now shows as " closed '' with a XXXX balance on my Equifax report. Considering the facts of this matter, I am asking Equifax to remove the closed/paid XXXX XXXX XXXX account from my credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial is the service company for my mortgage ; it was sold by XXXX to XXXX XXXX because I was XXXX and needed a modification. XXXX sold it to BSI Financial. After BSI did the modification they said I had no esgrow and I needed to pay extra to build it up ; which a did for a year and a half to put extra into my esgrow. one year later BSI is saying I have no esgrow again. I asked them how is that possible and where is the extra I paid already. They told me basically because they said so ... I asked for a detailed report showing me what was going on with my esgrow. They sent me a incomplete print out which showed some other errors. I asked my bank if the would help me since they are always offering financial planning services ; which they did. They saw that the mod looks like I was charged extra. there was no credits listed for my homeowners rebate. They felt that it proves that they never put the extra I paid into the esgrow account. At the end of this it says my budget is off by {$2.00} and they said it does n't warrant asking for {$1500.00}. and the original bill asking for esgrow shows that the planed and actual that the extra I paid was never added to the account also. I have spoken with BSI Financial 4 times about these errors and asked for a aduit of my account and a detailed report showing everything in order to correct these errors. It appears that they are n't taking this seriously. Please intervene to help get this matter fixed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2022-01-19
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:
In effort to correct my reports I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
Equifax has been notified their information is incorrect on the following account : XXXX XXXX According to their report there was a payment madeXX/XX/XXXX. I can assure you any activity with this creditor ceased long before that date. I am asking that Equifax require this creditor to provide proof of the activity on the account, and by proof Im not simply referring to their printed records. They must provide a ledger accounting of all payments and dates. Otherwise Equifax should remove this account entirely. Additionally, it can not be both charged off and late as the report shows. Equifax shows it closed onXX/XX/XXXX which is accurate and that is the last activity. Also, confirm that there was NOT any activity created by my ex-wife, XXXX XXXX, instead of me. This account is NOT listed on either XXXX or XXXX. Their records are correct and Equifax should adjust their records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/XXXX XXXX, Equifax and XXXX have been reporting multiple entries on my credit report incorrectly. Equifax continues to report on accounts that have been closed for 6 years with current activity there are 3 in particular that enrage me. they are XXXX XXXX  accounts and a XXXX  account, and they refuse to correct or update or delete my accounts. They just send a fake letter saying they have investigated the items when they haven't. The other bureaus just continue to report incorrect dates of last activity or just don't investigate at all. I have sent my investigations to the bureaus for the last 8 months and they refuse to correct my credit report. I sent another round of investigations today XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a voicemail from a Delaware telephone number on XX/XX/XXXX at XXXXXXXX XXXX  stating that I needed to call back in regards to a case filed against me I called today XX/XX/XXXX as I was dealing with death in my family. They told me that it was for a Wells Fargo account from 2015 I did not have a Wells Fargo account in 2015 I have however had an account Wells Fargo but I was free and clear of any type of debt I did not have a credit card or any type of line of credit with Wells Fargo when I had my account there and they're calling me telling me that now over 7 years later they're coming after me for {$900.00} which came up with an address that I've never lived at not even in 2015 or in XXXX that I live at the address that they gave me now granted they do have my correct social security number but they're saying anything that is attached to my social security number if I do not pay that whatever relationship I have with my current bank will be taken from me and I will not be able to get any type of account at any Bank for the next 7 to 10 years.

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