BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-16
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX EXPERIAN XXXX. XXXX  XXXX XXXX XXXX XXXX : Last 4 SSN : XXXX To whom it may concern : On XX/XX/2020 I called Experian Dispute Center, talked with someone named XXXX in regards to removing a negative item from my credit report that had reached its, 7year FCRA removal date. Experian maintains this information under my Social security Number. While we were exchanging information on the phone he confirmed the item was removed. It would not be posted on any future, Experian report. Within 3 to 4 days after this removal, my Fico Score went from XXXX to XXXX. During this process I am in the middle of refinancing my home with a XXXX  VA lender and have agreed to a {$25000.00} Dollar cash out. All was good, until I check my Experian credit report as of the XX/XX/XXXX and low and behold, the item that was confirmed to be removed is back on my credit report. On the XX/XX/XXXX I received notice that my Fico score went back down to XXXX. The VA refinance lender reports to me I have lost my lock in rate also I am disqualified for refinancing and cash out due to the return of the disputed negative item and the loss of the XXXX Fico score. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( 0 ) ( ii ). You are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previous deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than5 business days after the reinsertion if, authorized by the consumer 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

This is a very serious violation of the FCRA, I reserve the right to pursue legal action for the blatant disregard for the law. I will offer you 3 options before pursuing legal actions 1. Within 7 days from receipt of this letter, raise my Fico Score back to XXXX 2. Compensate my loss of {$25000.00} dollars 3. Legal action will be pursued in XXXX County Florida, XXXX Circuit Court A copy of this letter has been sent to Cc : CFPB Cc : Attorney Generals Office Cc : XXXX  Cc : Veterans Affairs Office, Washington D.C

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 2017-03-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a mortgage loan with Wells Fargo beginning on XX/XX/XXXX in the amount of {$140000.00}. The loan was assumed on XX/XX/XXXX and Wells Fargo records show that the payoff amount was {$140000.00}. A Qualified Written Request was sent to Wells Fargo on XX/XX/XXXX asking for the amount of the mortgage at the time it was assumed, the name of the company assuming the loan and the amount held in escrow. The name of the company assuming/paying off the loan was not provided in their response of XX/XX/XXXX nor the amount of the mortgage. 

I received a letter from XXXX in XX/XX/XXXX stating that the are now servicing the loan. 
Recently I had my financial advisor, my father look at the transactions and he discovered that XXXX had inflated the loan upon assuming it from the amount due of {$140000.00} to {$140000.00} AN INCREASE OF {$7000.00}. This was hidden from us and attempts to get Wells Fargo to provide information re company assuming the loan and the amount of the mortgage at the time it occurred has fallen on " deaf ears ''.

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 2017-09-26
Company: Experian Information Solutions 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:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX/XXXX XXXX, account number XXXX ; 2. ) XXXX/XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) Bankruptcy, case number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 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 non-monetary relief
Consumer complaint received 2016-03-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
This complaint is related to my previous complaint which still are not resolved. The latest was # XXXX. After systematic harassment since XXXX of 2015 I and my husband of XXXX national origin did not get our home equity loan refinanced. Today I received a bill with increased interest rate not reduced. Our rate went from 2.99 % to 3.24 %. You systematically indicate that the response is undisputed. It is disputed because we are systematically harassed and our application not processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: WV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
we had a loan through Wells Fargo purchased XX/XX/XXXX. My husband XXXX in the military shortly after that and while he was XXXX, I had trouble getting Wells Fargo to protect him under the Soldiers and Sailors Relief Act.. Our vehicle was repossessed around XX/XX/XXXX-XX/XX/XXXX. I believe this was illegal due to his XXXX. We were not given a court order. I understand that Wells Fargo is being sued because of this and I want to enclose proof of this. This affected our mortgage process due to the fact we had to explain why it was repossessed. I am also including the credit report stating the status.

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 2021-01-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XX/XX/XXXX, I created an online account with experian to monitor my credit history. In XX/XX/XXXX I stopped receiving alerts but I did not panic. I figured there were changes to report by experian. On XX/XX/XXXX I attempted to log in to my experian account and my password was not accepted, therefore I submitted a requested to changed my password by clicking forgot password. The password was sent to an email address that does not belong to me, so I notified experian immediately. I began receiving correspondence from experian regarding the matter. I explained the situation and requested that the account be closed by experian. In XX/XX/XXXX I received a call from an experian rep name XXXX. I again explained to him what took place and asked him to close the account. Nothing has not been done. I am still asking experian to close the account because the identity thief/hacker has all of my personal information and has hacked my experian account and they refuse to close the account. Experian continues to request that I pay for credit monitoring alerts instead of permanently closing that account t and not allowing another account to be opened. Please force experian to close the account. I have all of the email correspondence with experian beginning XX/XX/XXXX to present.

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 2021-01-18
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received what appears to be a credit card in the mail today. The letter states that this contains money from the US Department of Treasury under the covid-19 Tax Relief act of 2020. It makes it sound like I need to activate this card to get my stimulus payment.

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 2015-04-21
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I call leave messages and do not receive call backs. The last time I spoke to the girl that is assigned to my account, she got rude since I had explained to the girl who answered that I was n't getting call backs. The next time I called, I got her answering machine, I just left a message with my banking information so that I could at least make a payment. The payment was never debted from my account nor did I receive a call about it. I also had a phone number of a gentleman who works there that I also left XXXX messages with hoping he could help me, never received a call back. Needless to say, I do not know whats going on, can not get anyone to call me back and Do Not want to lose my house. As a co-worker explained, the banks do this to make more interest off the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$28000.00}, {$2600.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 explanation
Consumer complaint received 2022-08-04
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:
It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX & XXXX XXXX/XXXX/XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX CT XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX PA XXXX XXXX Balance : {$320.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$550.00} ; XXXX ( XXXX Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$800.00}

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 non-monetary relief
Consumer complaint received 2021-01-16
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
PNC opened a Virtual Wallet account for me and it has been a nightmare- but the problems have been happening for years. They charge me $ XXXX month, there is NO grace period for transferring money to cover checks - even if this happens within the same few hours in a day. It is difficult to keep track of transactions as some come out of checking and others out of my spend account!!! They have also changed transaction order to benefit them and charge me more - showing transactions on different days after I had already seen them processed on my end. I want credited for the monthly charges and inaccurate NSF fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-17
Company: AXOS FINANCIAL, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an online banking account with XXXX who uses Axos Bank. I have 5 transactions for a credit reporting site that I caneled a long time ago. I have tried to get in touch with customer service with them to talk about these transactions and tried to see about disputing them but have not had any luck. When I call they tell me that my account is under review and they cant tell me anything about my account. I have tried to link my account number and routing number to different 3rd party accounts to get my remaining balance off since I dont have my debit card and they wont let me change my address to recive another XXXX. So now that my account is under review I just have {$320.00} in my account that I cant use. I dont know any other way to get my funds and I have bills due and cant pay them if this bank wont let me get my money. 

Axos Bank Routing Number ; XXXX Accounting Number ; XXXX Transactions XX/XX/2021 - XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,, XXXX XXXX XX/XX/XXXX- XXXX XX/XX/2021 - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: ProCollect, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was given two days to leave an apartment complex only owing a couple hundreds dollars and now it is listed on my credit file for $ XXXX. This is crazy, I requested the apartment complex give me a break down and nothing ever was received. I was more than willing to pay what I owed which was a couple hundred dollars. Please help

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 2021-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with Bank of America allows for prepayments to reduce interest and the bank is not properly reducing my interest. 

For the following months I made a prepayment which should have impacted my interest charged, but which did not : Payments due XXXX, XXXX, XXXX, and XXXXXXXX  XXXX. I contacted the bank onXX/XX/XXXX and was given case XXXX and told they would research and get back to me in 7-10 business days. They did not. I called back on XX/XX/XXXXand spoke with XXXX who said a manager ( XXXX from the Payments Dept, or XXXX or XXXX, XXXX XXXX  managers ) would call me back by the next day. It did not happen. I called back again on XX/XX/XXXXand was told my case had been closed because it was entered incorrectly. They gave me CTR Team Case XXXX and said they would be get back to me in 7-10 business days. They have not. These calls ( and others where I hung up out of frustration at being left on hold ) have taken at least 3 hours of my time.

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 2016-08-15
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Round Pointe Mortgage sold our Mortgage to XXXX Mortgage, and did not notify us. All payments submitted to Round Point have not been transferred to XXXX Mortgage, nor have they been returned to us. This is the 3rd time the mortgage has passed different hands within the last 12 months. The 2nd XXXX mortgage companies did not have my telephone number, nor did they have the correct address. 

Mortgage Payments were sent to Round Point, for the months of : XXXX ( Forwarded to XXXX ) XXXX ( Forwarded to XXXX ) XXXX ( Not forwarded, and not returned to borrow, and not rejected ) XXXX ( Rejected by Round Point ) XXXX, the first lender, had sent us notification that our mortgage would be changing hands to Round Point, to the correct mailing address. However, later no correspondence was received from Round Point or XXXX Mortgage. 

We found out of this change, after our payment was rejected by Round Point, and I viewed my credit report to find XXXX Mortgage. Round Point is now claiming they do not have our payment for the month of XXXX, however, we have bank transaction records stating the XXXX payment was accepted by Round Point, and never returned back to us.

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 2015-12-22
Company: Arbor Residential Mortgage LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Checked credit report through XXXX and discovered the following message : " AMS SERVICING , LLC has flagged your account as Not more than XXXX payments past due ( XXXX ). '' I refinanced my mortgage with XXXX during XXXX 2015. There have been multiple changes and I am currently paying Seneca Mortgage. I have never paid late and always pay more than is due every month ( {$2000.00} ). All payments are made electronically - XXXX : Paid {$2300.00} ( Credit Union Tracking # XXXX ) XX/XX/XXXX15 : Paid {$2200.00} ( Credit Union Tracking # XXXX ) ; XXXX15 : Paid {$2200.00} ( Credit Union Tracking # XXXX ). Attached is payment history since I first was notified to send my payments to Seneca Mortgage ( XXXX15 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was notified by the credit agencies that a negative report was filed against me for a collection. Upon further research the account was paid directly to XXXX XXXX. Additionally XXXX XXXX claims to have provided one notification via USPS prior to sending it to collections. Supposedly the collection agency listed below receive the file in XXXX. I have never been contacted by them in any way and yet they feel they can just post negative information. I have contacted them directly but of course no response. 

This collection agency was notified I would take action if they didn't rectify the situation for which they did not. 

HELVEY & ASSOCIATES IN Account XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation