BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-05
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My Home Mortgage was assumed by Wells Fargo ; when Wells Fargo assumed the loan they took my name off the documents. The loan was set up as my parents as co-Mortgagor and I was a co-Mortgagor. Well Fargo change the loan where it was only in my parents name. Not until 2012 was I able to access the loan. I reported this to the XXXX on three different occasions ; I am a co-Mortgagor. I was given different excuse for my name not being listed ; one was their system was only formatted for two names ; and here recently they said how the names were listed on the deed ; and as I explained to theme my name is visible on the deed and I need my name visible on all the documents. I live in the house my parents do not I handle all business regarding the home. One representative told me I need to assume the loan for my name to some on the loan ; I asked her why do I need to assume a loan I am already one. Every person you speak with gives you a different story. I spoke with the executive office they were very condescending ; I was told ; " You want something you ca n't get ; '' and " You ca n't always get what you want. '' I do not know why this representative felt he could speak to me in this manner was it demographics, gender, or bigotry. I have explained on several occasions to different representatives and the executive office if you are paying for something for the past 30 years you want you name to appear on the documents regarding that purchase. They could get my name on the payment coupon ; but when it comes to official matters regarding the house their system could not process all our names on the documents. I Was charged a late fee on XXXX 's Mortgage ; the payment arrived on the XXXX the office was closed a XXXX, and XXXX was the XXXX ; the payment arrived on the XXXX and the payment was not processed until the XXXX. They told me this payment was was late but previously I was told when a payment is due on a weekend the next business day the payment would be processed. This is another example of Wells Fargo saying one thing and doing another.

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 2015-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have filed several disputes with the all three of the CRA 's and have also disputed directly with XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and view it as unethical and perhaps this is not the XXXX time this has occurred with this company. All XXXX credit bureaus report a different age of these accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have sent Transunion proof from XXXX Bank ( XXXX XXXX ) that the creditor agreed to remove the late payments on my closed account. Transunion has received this information several times yet do not update my account. I have been in contact with XXXX XXXX XXXX at XXXX Bank ( XXXX ext XXXX ) who has assured me that the late payments were removed on his end yet Transunion refuses to update my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My checking account had {$24.00} in it on the ending balance for the day. The next day I was charged {$70.00} in overdraft fees. I have a screenshot showing this. When I contacted the bank, they stated I had a negative balance so they would not be reversing my overdraft fees. I want my money back, and I do NOT want the bank contacting me. I only want the resolution in writing, so I can decide what my next steps are.

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 2022-08-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 30 days late in XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Consumer filed a complaint with CFPB about Transunion 's ongoing reporting from XXXX. Since there is an investigation and that Transunion stated to CFPB that it would take 60 days to investigate, this investigation is hindering my access to my credit report. Just Monday, XXXX XXXX, 2016, I tried disputing an illegal entry from another creditor, and could not get assistance. I was transferred five times because other reps did not have access to my file. I ended up leaving a message on a voice mail with SS #, phone number, and name. Someone did call back and kept asking " did you call for XXXX, '' giggling, and kept mispronouncing the creditor I was disputing. The phone rep stated that she had removed the illegal entry, but kept inquiring about XXXX. Consumer discovered that the Transunion Priority Desk rep had given me an incorrect balance that was reporting from the creditor, so I called back and left another voice mail message with SS # and phone number because I was not sure the illegal item was deleted. Consumer is trying to close on a mortgage loan, and this weird stuff keeps popping up on my Transunion credit report. 
That same day, the mortgage lender, e-mailed me that XXXX ( that had been reporting paying as agreed, though with a bogus balance ) was reporting a charge off. Another XXXX illegal reporting tactic that has been going on for a year. For two days, consumer has not been able to reach this Transunion Priority Desk to dispute this item. Consumer, also, received XXXX credit reports from Transunion, today, dated XXXX XXXX, 2016, that I did not order.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
Good Morning ; I'm not sure what's going on with XXXX XXXX XXXX XXXX, i had called them before and i received my title for the vehicle. Why it showing that i was late on XX/XX/2020. That doesn't make sense if they received the last payment since XXXX and sent me my title. I have been trying now to fix this late payment since then and it's taken more than 60 days to get a response and it's still not fixed. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-03-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a collection account on my credit from Portfolio Debt Collection agency for an account from XXXX XXXX. A credit card that I never had. I asked them to send me information on this card and to verify it. They won't do anything but report it on my credit. I don't even have XXXX XXXX  anywhere on my credit file, only a collection from Portfolio. This is a erroneous account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX NEW YORK XXXXXX/XX/XXXX, 2014Open $ XXXXAccount DetailsLast ReportedXX/XX/XXXX XXXX 2014Collection AgencyXXXX XXXX XXXXOriginal CreditorXXXX XXXX NEW YORK XXXXStatusOpenOpened DateXX/XX/XXXX XXXX, 2014Closed Date -- ResponsibilityIndividualBalance $ XXXXHigh Balance $ XXXXRemarksPlaced for collectioni dont owe this amount i signed up with lifelife and then was offered special rate for long distance because long distance was the next town over local service was only town i was in, and when i signed up then tried to say i wasnt eligible for savings rate and charged my account with ridiculous amount and then disconnect my service and then charged me disconnect fee i am disputing total amount due

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Public record XXXX Dist Court Docket # XXXX, plaintiff XXXX XXXX went to small claims court asking for {$550.00} dollars for contract work not completed. Judge rule on the side of defendant and agreed with amount paid prior to the court appearance and I agreed to pay court cost of {$93.00}. TransUnion shows I owed and did not pay until the court appearance {$240.00} and that is not accurate. I keep explaining this to them and they continue to post the same explanation?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX XX/XX/XXXX after several months of paperwork we closed on our home with XXXX WHOLESALE CORPORATION. I was asked to sign hundreds of papers with little or no time to review any of them. At that moment I was pressured to get the closing done. We provided 10 % of the value of our home and our mortgage was {$1400.00} plus a MIP of {$390.00} or {$1800.00} per month with an interest rate of 2.5 %. By the end of the fifth year payments blew up to {$2800.00} plus {$390.00} of MIP to {$3200.00} per month. Just the mortgage grew 127.20 %. 
During that process XXXX sold our mortgage to several other banks including CountryWide Home Loans and Bank of America. 
Before the 127.20 % increase in our mortgage payment came through we requested Bank of America to refinance and their response every time was " you are paying on time we ca n't help you ''. We kept on calling until XXXX Bank of America representative stated that the reason they were unable to help us was because we were current with our payments and we needed to be in default for them to be able to help ''. 
Based on those instructions we defaulted and 60 days later re-applied through the Home Affordable Refinance Act XXXX times. Even thou we fulfilled 100 % of the criteria BOA refused to refinance and proceeded with a foreclosure. 
Since we found the whole situation building up against us we hired an attorney and we did a compliance stress test of our mortgage with a certified reputable Loan Analyst for the RESPA and TILA and the result stated that the mortgage generator and its successors violated many RESPA and TILA federal and state statutes. 
We filed a counter claim at the court stating that not only the mortgage note are unforceable due to direct violations of TILA but also of the HOEPA and failed to deliver a notice of acceleration to us the homeowners violating the Federal Debt Collection Practices Act and also Bank of America breached the mortgage agreement by force placed insurance in an amount in excess of that required under the mortgage. The mortgage also understated the finance charges and annual percentage rate violating the Truth in Lending Disclosure Statement at the time of closing. 
To top all that we requested a Home Equity Line of Credit for {$100000.00} which Bank of America provided even though our home did n't have enough equity. Throwout the life of the HELOC we paid it in full several times and Bank of America kept on lending us money even there was not equity to support that loan also known as predatory lending practices. 
Even after Bank of America tries to foreclose in our primary residency and put our family on the street, we made and arrangement to pay the {$110000.00} HELOC and we satisfied that mortgage on XXXX XXXX XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-22
Company: DISCOVER BANK
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent certified letters to discover card requesting verification and proof of said credit card account on XX/XX/XXXX, no disputes were filed with any of the credit reporting agencies, XXXX XXXX or XXXX Discover card did not report the dispute nor respond in the required 30 days, verified. Again in XX/XX/XXXX again another letter send to Discover Card requiring them to send me the verification of proof or the said Discover account and all transactions with signature etc. Nothing again reported to the XXXX credit bureaus and letter was sent certified and again no response within the require 30 days. Again on XX/XX/XXXX letters sent again on verification and proof on said account by certified letter. A gain no respons with said verification of prrof and no reporting to the credit bureaus with in the require 30 days by the FCRA 623 ( a ) ( c ) Discover card instead has sent the said account to XXXX XXXX Attorney at Law XXXX XXXX XXXX, XXXX XXXX XXXX, Ks XXXX ( XXXX ) XXXX XXXX in an effort to bully me and my position on the said account by Discover Card. XXXX XXXX had all of a sudden filed the dispute for Discover Card with the XXXX credit bureaus after 6 months, beyond the 30 days require by law and after much stress on me and causing harm to my credit. Discover card has still not provided any original proof of my original signature nor has cooperated in sending me all copies of the said purchases, detailed with what was purchased and dates. Discover Card can bully most consumers and destroy their credit and charge outlandish fees to the consumer. Clearly Discover Card has no remorse for their actions nor lack of ability to furnish any actual original proof Of said account. The law firm is clearly trying to use scare tactics and I remain firm in my resolve against both Discover Card and their illegal misuse of the system disregarding the FCRA 623 ( a ) ( 3 ) FDCPA section 807 ( 8 ) FCRA 623 ( a ) ( c ). XXXX XXXX has court seeking judgment against me XX/XX/XXXX without providing any original proof of said account and I will not let this law firm or Discover bully me as I have shown up three times all to be moved to a later date causing me more missed time at my job, more stress and longer credit damage. Discover Card is a deceitful company to the consumers and defrauds and misuses its place in the Credit Card world to the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: ALLY FINANCIAL INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
We had a negative account balance for over six days in XXXX of XXXX accounts that we have with Ally Bank. They have a policy to freeze your account and then - this is the big issue - subsequently put a 5 business day hold on any deposits for six months ( or more, I 'm a little unclear on the timeline ) following this incident. As they are an online bank with no physical locations, the only way we can access funds is either through direct deposit or a mobile check deposit. We have some direct deposits, but most of my income is as a freelancer who gets paid in small, handwritten checks. A one week delay of access to most of the money I receive is incredibly hard on us and of course makes it more likely that we 'll run into trouble with overdrafts and a negative balance. Their policy really seems to encourage exactly the thing that got us into trouble in the first place.

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 2022-02-26
Company: EQUIFAX, INC.
State: IL
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:
Equifax will not release my credit info to XXXX and XXXX XXXX. I pay a monthly fee to XXXX and Equifax is causing me an issue from being able to get all 3 scores. My Equifax credit score and report hasn't been updated since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Problem with credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
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:
I never filed for bankruptcy and the Bankruptcy court did not furnish that information so please remove it under the fair credit reporting 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 explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: KY
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:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX No Category XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX my mortgage Company, Seterus, sent me a letter stating that as part of my HAMP mortgage program that I qualified for an additional incentive. The letter attached stated that after the 6th anniversary of my mortgage modification ( which was XXXX XXXX ) if I signed the paperwork and sent it back they would apply a {$5000.00} principal reduction to my balance and would amortize my loan after the {$5000.00} principal reduction was applied. XX/XX/XXXX I contacted Seterus and asked where the {$5000.00} principal reduction was and I was told it comes from the government and it can be anytime after the 6 years. So I waited and waited and finally XXXX XXXX I received a {$5000.00} principal reduction to my mortgage balance. Then my XX/XX/XXXX statement came and the payment amount was still the same so I contacted Seterus to find out if my amortization was in the works or what was the status. I am a single mom trying to make ends meet and I am having a very difficult time right now since the rate keeps rising on my mortgage that was modified and I have been waiting a year for this principal reduction and amortization. I am struggling to make the payments. I ca n't get any to refinance my underwater mortgage because they say I received the modification so I ca n't take advance of the HARP refi that allows people with underwater mortgages to get help. So I was told when I contacted Seterus that they have no record of a amortization and I told the representative " I have the letter you sent me. '' She said " its over a year old we have no record of it '' which its not my fault it took a year for this stuff to be processed. She told me I had to send a letter in writing to the Correspondence Department with a copy of the letter. She also indicated that there is only XXXX people working in that department so there is no turn around time and she does n't know how long any response will take.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX, Account : XXXX for XX/XX/2020. I was never 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the Auto payment was and error on XXXX end. I've called XXXX and was told to call the 3 Credit bureaus about the errors reporting on my file

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