BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-19
Company: AFNI INC.
State: PR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
HI : I am XXXX XXXX XXXX I had XXXX accounts on XXXX they were open it on XXXX XXXX XXXX ( Num. XXXX ), and XXXX XXXX XXXX ( Num. XXXX ), my issues are On XXXX XXXX XXXX my financial institution ( XXXX XXXX XXXX XXXX ) notified me by mail, about some irregular transactions made, on my visa card, from ( XXXX or XXXX XXXX XXXX XXXX. XXXX Authorized Retailer ), causing me problems with my credit, credit line, credit score and my piece of mine. 

The issue that I have now with, ( XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ) is the account ( Num. XXXX ) has been send to a different debt collection company name, ( AFNI, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX Who is billing me {$460.00}, basically is the same issue stated on my first Complaint with the case number XXXX, on XXXX XXXX, XXXX, with Related Case Number : XXXX, for the account ( Num. XXXX ), resolved in my favor, Please help me with ( XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ) from their continues harassing. 
I am summiting again the document, that include in detail the unauthorized transactions and the step taken so far, from my financial institution ( XXXX XXXX XXXX XXXX ) and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Account with Navy Federal Credit Union. I have asignature loan and also a car note with Navy Federal credit union. I amfiling this complaint because I need help and I truly want to getback on track with NFCU and prevent my car from being repo. Iseparated from the Navy XXXX 2014 due to medical related issues. I hadinsurance on my signature loan and when I separated NFCU stated theinsurance was taken off due to me not signing my promissory note whichwas not correct. After months and months of going backwards andforwards and me doing a XXXX complaint it was discovered by NFCU I didsign the note and they reinstated my insurance. I filled out the claimand was told that the insurance was removed again due to none payment. 
I requested to NFCU that they correct the late days due to it being nofault of my own and was told that was not possible so my loan wentinto default. I was paying my car note every month ( Loans/support fromfamily and friends ) and 90 days ago I went into the NFCU branch andthey refused to take my payment. I called NFCU and was told I mustcontact a third party company to pay the loan. I contacted the thirdparty company and explained my situation and I was told he personallyknew the lead for collections and he would talk to her and help me geteverything back on track. To date no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Wells Fargo Home Mortgage sold my home loan without disclosing that they were selling it as required by California State Law. In addition, I missed a payment several years ago that I could have made if I Wells Fargo had informed me I could use my impound account to make that payment. They intentionally kept that information from me in an attempt to foreclose on my house because I had a large amount of equity established in the property. I met with them at a loan modification meeting arranged by them some time later, and asked them to take the XXXX payment I missed and put it on the back of my loan. They refused my request for a loan modification by stating that I was not eligible for that process. They charged me for an appraisal however that they never told me they were ordering and added the charge at the close of my escrow in XXXX. 

At the close of my escrow recently, Wells Fargo collected XXXX for alleged late payment fees, but refunded the money a few weeks after close of escrow. They explained in a letter that they had collected the late fees in violation of California State Law and were refunding the money with their apologies. 

With those fees refunded I was never charged a late fee by Wells Fargo during the entire duration of my mortgage. When I applied for a mortgage to purchased a new house, I was informed that Wells Fargo is reporting XXXX " thirty date late '' payments on my previous mortgage with them. That reporting has destroyed my credit score, and is preventing me from obtaining a mortgage now. 

So Wells Fargo intentionally withheld information that would have prevented me from missing the XXXX payment I missed in the XXXX years I had a mortgage with them. They refused to help by modifying my loan. They sold my loan without advising me, which violated state law. Then they report XXXX " XXXX day late '' payments on my mortgage when they never charged me a late fee. When I ask them to correct their reporting they refuse and added a statement to the reporting which further damages my credit score. 

This is the worst example of Banking Industry misconduct that I have ever seen. Wells Fargo did whatever it wanted to do without regard for law or human decency. They started off by trying to steal my house, and when that did n't work they punished me by trying to ruin my life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I was offered a 0 % Balance Transfer by Wells Fargo for 15 months. A few months later, my credit limit was increased without my permission. I was under the impression that the credit increase would also be under the 0 % offer that I originally was given. I noticed a few months later that Wells Fargo was charging me an interest fee for and usage of the credit without my consent or knowledge. I was not informed of this and did not give permission to Wells Fargo to extend my credit with an interest fee. I attempted to fix this issue but was told that I could do nothing about this and was abruptly hung up on when I attempted to fix the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX 2015 my wife and I visited a local Wells Fargo Branch location to establish a joint account. The visit lasted about an hour, and past the bank hours. During this time our banker left with our debit cards for some time to " check with a manager ''. The following business day ( Monday XXXX XXXX ), my account experienced several fraudulent charges. That evening my wife 's card also experienced fraudulent charges ( of a suspicious nature ). This leads us to believe that our cards had been compromised in conjunction. Due to travel and work in the last month - our visit to the Wells Fargo was the only time our cards were used at the same time and at the same place. Additionally, on the afternoon of Monday the XXXX, the day I reported the fraudulent transactions ( after business hours ) - I received a strange phone call from the exact banker who accessed our cards. The tone of the call was strange - it was apologetic - but unexplained as to " what she was apologizing for ''. Additionally my wife 's card was used to send money overseas to an XXXX XXXX - whose name is coincidentally similar to our banker 's name. I have reported this to both the XXXX Police Department as well as to Wells Fargo - but at this time no actions seem to have been taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
NFCU was freezing my account for various pay periods. Which caused me to have some financial hardship and eventually switched banks. The froze my accounts and I did n't have access to any money, because of an account that my ex-husband had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX is saying no is no past due balance on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: KEYCORP
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
In XXXX XXXX I applied for a mortgage with KeyBank. Prior to the application KeyBank loan officer XXXX XXXX checked my VISA status, Income, Debts and Credit score. After checking I was approved and ready to apply, according to XXXX XXXX. 
I applied on XXXX/XXXX/XXXX and received pre-approval letter. 
On XXXX/XXXX/XXXX XXXX XXXX informed I do not qualify for a mortgage because my VISA status ( non-resident ) does not comply with KeyBank 's guidelines. 
To my big surprise KeyBank opened on XXXX/XXXX/XXXX a mortgage loan account, loan amount {$240000.00}, under my name without informing me. In addition I never signed any kind of legal documentation and/or gave authorization to KeyBank to open this account. I met with KeyBank representatives, I emailed KeyBank VP of Mortgages XXXX XXXX XXXX, I called KeyBank executive phone number but nobody is willing to respond, give an explanation nor willing to close the account or process the paperwork that belongs to this account so I can purchase the house. 
Conclusion : On XXXX/XXXX/XXXX KeyBank opened, without any authorization and/or legal signature, a mortgage loan account under my name with a loan amount of {$240000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been having issues with our mortgage company over the past two years. This started out with our home not being assessed properly, thus raising my monthly mortgage bill about {$700.00} dollars. This was obviously not their fault because of how my house was valued. So, they allowed me to spread my payments out over 5 years, which was a good thing. So, my mortgage went from {$3300.00} to XXXX, to XXXX. I then asked the locality in our area to re-assess our home so that we could lower our mortgage payments. Once that was done, I received a refund for our school , county, and township taxes. I then asked our mortgage company if we sent them a check to go directly to our esscro for our taxes, would they be able to reduce our monthly mortgage payment. The response was that it would go down to around XXXX a month, which i was pleased with. That payment happened in XX/XX/XXXX. When I received my bill for XX/XX/XXXX, it was over XXXX! I called to ask why this was the case, and the response was that they use a formula that specifies what the monthly payment would be based on how much is owed vs. extending the payments, which did n't make sense to me. If someone would have told me that the XXXX payment for our mortgage would have raised my monthly bill, then I would have never made that payment, and I would have been happy to just deal with the XXXX a month payment! And to add insult to injury, I lost my job XX/XX/XXXX. So, I still owe a XX/XX/XXXX and XX/XX/XXXX payment. I 've applied for borrowers assistance from the mortgage company, but I am not confident that they will give me the assistance that I require to get my life for me and my family back on track. I am obviously frantically looking for a job so I can get back to supporting my wife and XXXX kids. Anything that you can do to assist is 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 2022-08-04
Company: Experian Information Solutions Inc.
State: CA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I should not have judgements against me with XXXX or XXXX both of these accounts were resolved with a debt relief program I am in, I am paying on both of these accounts and no judgement for money should be showing both were settled between the debt relief program and the creditors XXXX and 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 2015-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The cable account closed from XXXX is wrong, I moved out from that apartment since 2007, did they use the cable account in the next tenant or something like that?, please investigate. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is a follow-up to a current complaint about XXXX. I am providing documentation that shows my account has never been late, but the payment status indicates more than 90-100 days late. This incorrect information has significantly lowered my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion is reporting numerous accounts and inquiries that are not mine. I have requested investigation and TransUnion insists the accounts have been " verified ''. I was able to get to the bottom of XXXX of these accounts and get statements from the companies saying they will be removed from my report. Transunion needs to do a PROPER investigation on the final XXXX things that are not mine ( XXXX XXXX ( reporting late ) and XXXX XXXX XXXX ), as well as delete the unauthorized hard hits on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Tax lien paid back in XXXX. Reports on credit bureaus show paid XX/XX/XXXX. Information is no correct. I 've dispute this issue for a year now. I called TU and asked how they verified and was told that they did but could n't send any paperwork out or tell me how they verified. I told them I have the fair credit act on my side and I want the info. They did n't give me anything. This tax lien was paid years ago. I 've asked all credit bureaus to verify the info, they have but with incorrect information. XXXX XXXX REGISTER OF DEEDS TAX LIEN.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Received a generic letter from Transunion dated XXXX XXXX 2015 which did not address my primary concerns about different credit scores reported to different companies credit inquiries basically within 2 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
TRANSUNION FAIED TO REMOVE HARD INQUIRIES THAT I DIDN ; T WRITTEN AUTHORIZATION BEY ME. 
PLEASE REMOVE THE FOLLWING : XXXX XXXX DATED XXXX/XXXX/XXXX XXXX DATED XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX DATED XXXX/XXXX/XXXX XXXX XXXX DATED XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX DUPLICATE SOL EXPIRED

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 2016-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
They have me living in XXXX XXXX XXXX, Il and I have n't lived there since I was XXXX years of age. My last XXXX years have been in XXXX and XXXX. I have been a registered voter in those states for those years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
Every month XXXX XXXX XXXX XXXX XXXX has been doing hard inquires on my credit. I never had any doings with this company or ever gave them permission to check me every month. Please help, have them REMOVE ALL their inquires from all XXXX of my reports or i will sue for XXXX for each. i also signed up to optout this XXXX. XXXX, XXXX XXXX, XXXX Ut XXXX ... XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Titan Receivables, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to get collections letters from a Titans Receivables advising that I owe money from a bail. I have never bailed out anyone and I do not know anyone by the name of XXXX. The bill is also spelling my name incorrect. This may be identity theft but I am not sure since I have not lost my ID in years. This is not my bill. The first bill stated a little over XXXX dollars, now I have bills stating {$3500.00} and {$4000.00} as if this is collecting interest on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
trans union has shared my other accounts to show how much I am paying per month on all open accounts and the information supplied is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My credit report from Transunion shows a collection from XXXX, collecting for XXXX. I have not had a XXXX account in about 13-14 years. This is outside the statute of limitations

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 2015-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I contacted TransUnion Online Dispute center that they were not reporting an auto loan that I have had for 2 or 3 years. The other XXXX credit reporting agencies are and there is a big difference between my credit scores with them and with TransUnion. Them not reporting is hurting my credit. They said it would take 30 days to investigate and after more than XXXX, they sent me an email to go to the website. On it was an updated credit report NOT showing again my auto loan and no explanation or anything else. The only updated items on report was its date and my recent address in XXXX. I believe they just want people to grow tired of contacting them and give up. I went through a bankruptcy in 2010 due to the economic conditions. I have worked very hard trying to get back in the system with good credit. I simply do not understand the big deal with them. All they are doing is including an auto loan that is an important part of a credit analysis.The other XXXX agencies are reporting it. I would attached any of the company 's investigation or comments But there are none. It just shows same credit report with my XXXX address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have made over XXXX attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation