BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with wells fargo. my house burned down. I have had nothing but a bad experience with wells fargo in dealing with this great loss. I have multiple complaints  1 ) Wells far go is holding  XXXX  from the insurance company. They will only p rovide 1/3 of the funds until 1/2 of th e house is complete. I have demonstrated strong financial situation . ( high salary, high 401K, hig h equity in  XXXX  home, high equity after construction ). I have asked to continue to receive disbursements of my funds as I demonstrate that the initial funds have been applied to the build of the house. If I run short at the end of the project, I will eliminate " nice to have '' finishes from the contract.  <P/> Wells fargo continues to say no. They will not release any more funds until I am at 50 % complete. They do n't offer construction loans, they wont give me a line of credit/refinance on my  XXXX  home. It does n't benefit wells fargo to have a property sit in a burned down state because they wont give me the funds, unless they are hoping that I will default and they get to take over the property.  <P/>  2 ) The property loss department requires an overhaul. I talked to them at least 20 times and they never informed me that wells would only pay out 1/3 of the insurance money and would not give me the rest of the money until I had 1/2 of the house completed. Do they do this on purpose so I would end up in the situation I am in? People do n't know what to do when they have a total loss tragedy. Should n't wells fargo play a role in informing the customer that they will be hold ing all of these insurance funds but will NOT disburse them ( so I could have gone to  XXXX    XXXX   earlier ... ..when I was n't in a crunch to get the funds? ) Does wells just want to keep making interest as long as possible and does n't really care about its clients?? again ... .so unethical.  <P/>  2 ) Wells f argo continues to refuse to tell me what 50 % complete means. they say they will distribute more funds when they are 50 % complete but they have me on their recorded lines begging for a definition of 50 % complete and they continue to say they will get back to me with that definition and they never do. is this a scam as well? will they still not give me the funds when the contractor says I am at 50 % complete. will they find some excuse at that point to hold the funds as long as possible?

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 2021-11-13
Company: TekCollect Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a medical debt of {$160.00} which i wasn't aware of until I was in process of refinancing my home. I had never received any phone, letter or email communication from them. The company is called XXXX from Ohio. Had i known, i'd have paid it off for a such a small amount. They reported to my credit which took a long time to build. I paid that off immediately but my credit 's gone down significantly for {$160.00}. This happened during covid when i was laid off from my job Is there anyway you could help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credit inquiries deletion. 
Transunion would not delete unauthorized credit inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-04-22
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of 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 2022-04-07
Company: EQUIFAX, 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:
Upon reviewing my updated credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updated credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX {$3100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2021-04-05
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was assigned, sold, or transferred to XXXX XXXX, serviced by Shellpoint Mortgage Servicing, effective XX/XX/2021. As of XX/XX/2021, Shellpoint Mortgage Servicing has still not provided me with notice of the transfer. I've repeatedly contacted Shellpoint in order to make payment on my mortgage and Shellpoint has no record of my loan. Shellpoint is unable to provide me with my loan number in order for me to make timely payment of my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Self Lender Inc
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have an account with a company called self lender. This is used to build credit history. The way it works it I pay them a monthly amount of {$25.00} and at the end of 24 months my Money is returned to me. During this period they report those payment to the credit bureaus. near the end of XXXX I was hospitalized due to sickness and thought my payments were on auto pay. It recently came to my attention that there is a 30 day late payment reporting to the bureaus. All of my past months are paid up and this was a one time occurrence. Being that I was hospitalized I was not aware they didnt auto deduct the payment from my account along with the fact that I wasnt able to contact anyone to resolve this issue. My account is in good standing but the presence of this late payment on my credit is bringing financial hard bearings due to the fact that it has tremendously impacted my score. This company is supposed to help peoples credit but now it is doing the opposite for and I dont feel as if its right! I pride Myself on my good payment history in managing my finances and this situation is really affecting me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
About 3 years after initial date of service I received a bill from the creditor. I contacted them and indicated I had insurance why did they not bill the insurance. They stated they did but an Explanation of benefits was needed. I asked what that was and was told I needed to pay the money and I could go argue with the insurance company they submitted the information once and that was all they were doing. The initial date of service was from  XXXX . Finally in  XXXX  of  XXXX  after arguing with the insurance company for two years I was able to get them paid. However, there was an outstanding balance of {$150.00}. {$70.00} was for no show fees. I explained I cancelled an appointment and went to an appointment. They were told they could not adjust the bills. I stated I would pay the balance minus the {$70.00} because I do not owe that. The appointment that was cancelled set me up for a   XXXX   XXXX   in the hospital for  XXXX  and the doctor said   XXXX   XXXX   first. That was their error and I should have done   XXXX   first. They stated they could not waive. Two weeks ago I got a letter from a collection agency. I stated the statute of limitations had expired and again I was willing to pay  XXXX  which is what I owe and did not have to because the statute had expired. I was told I either pay it or they will report me to the credit bureau. I told them the statute had expired and they could not do that. She stated that she could and would.

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 2017-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX I notified Capital One in writing via post that XXXX charges on my statement were fraudulent ( XXXX {$50.00} each ). No response from company. In XX/XX/XXXX I called their Customer Service number. They verified that my letter was received in XX/XX/XXXX but no action had been taken by them. I called again a week later because I still had not received any further word on what was being done. Very frustrating call with several transfers. I ended call by demanding an email telling me when I would have the charge and resulting interest removed from my bill. I never got any email ever. At end of XX/XX/XXXX I called again. They said destroy my card and they would send a new one. Which they did. They also said they would contact me the next day about getting the charge and interest dropped because the supervisor was n't there that day. Apparently the entire global company only has one individual who gets things done and he or she was out that day. The charge is still on my bill as of today. This morning I called 3 different phone numbers trying to reach a real human and spent an hour in automated phone system XXXX. Capital One has violated the 30 day confirmation law and the 90 day investigation resolution law. And I have wasted much valuable time. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My bank is not reporting my account information t o my payday loan  company called   XXXX   XXXX   in a timely manner

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 2017-06-06
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX XXXX, 2017 Sallie Mae withdrew {$670.00} from my bank account unauthorized. My loans were approved to be in forbearance until XXXX XXXX, 2017. {$150.00} was taken for the forbearance on XXXX XXXX, 2017 and applied across my loans, confirmation was given. The additional money the took unauthorized cause overdraft fees totaling {$100.00} dollars. <P/>Sallie Mae agreed to refund the money but it will take at least 2 business days leaving me with no money for gas or food. I am currently 3 months XXXX and they have cause extreme hardship and XXXX. They also refuse to pay two further overdraft fees they caused due to over drafting my account. The total over draft fee they refuse to pay is {$180.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I opened an account at QVC with a limited amount of {$2500.00}. QVC has a policy of selling items on " flex pay '', meaning a customer has 2,3 or more months to pay the balance. I paid a minimum or more amount regularly every month, assuming that amount covered amount due. Then I get a phone call saying I owed an undisclosed amount ( somewhere around {$500.00}, they said ) over my limit. I asked why I was allowed to order over my limit but never got an answer. Now I am paying on two separate bills, one to their loan company and one directly to QVC and apparently they have also transferred some accounts to my XXXX XXXX without my permission!

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 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
TransUnion removed all of my inquiry 's and put them back without notifying me about this. I called TransUnion and was told that they did n't have a glitch   XXXX   XXXX   had a glitch. Hung up the phone called back and talked to someone else and was told they had a glitch. I was hoping TransUnion would take responsibility for there mistake but they did n't.

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 2021-11-13
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:
XX/XX/XXXX I submitted an Identity Theft report to the FTIC and later on mailed in to Equifax regarding some fraudulent accounts reporting on my credit. It submitted an updated report in XXXX of XXXX and they have yet to update my credit report to reflect accurate information. Both fraud reports have been attached below. They are illegally reporting inaccurate information and are violating my FCRA Right act. My next step is to take legal action if reporting information is not updatetd accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello. I underpaid Chase by {$40.00} on XX/XX/XXXX by accident for my XXXX payment, which was less than 1 % of my total bill owed. I am strictly a conveniece credit card user and pay my bill in total every month. I have had a credit card with Chase for years and they know my payment history. They charged me interest of {$24.00} on my XXXX statement and {$7.00} on my XXXX statement, totaling {$32.00}, almost as much as the {$40.00} payment for misreading my statement. 

I called and complained last night ( XX/XX/XXXX ) and was told the interest will be credited back to my account. It hasnt been credited back yet, prompting me to write this complaint. I recently moved and have had some large charges on my credit card and Chase applied the interest rate for the total charges on my account, all because of misreading my balance due. This is outrageous! Customers like me should be given the benefit of the doubt! If I hadnt frozen my credit reports after the XXXX breach, Id immediately cancel this card and apply for another. This practice by credit card companies must stop! 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-08
Company: Finance of America Mortgage LLC
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: Account status incorrect

Complaint:
Contacted finance of America numerous times about my two mortgages with them. Informed them the credit report states I owe $ 200ish and confirmed I do not owe them any outstanding balance. 

My report continues to show account is delinquent. I have called as well as initiated email threads confirming I do not have a balance and the loan has been sold. However, my credit report and score are perpetually impacted. 

As of now the lenders have informed me they forgot to wire excess funds nearly {$6000.00} to my transfer lender. 

I do not owe finance of America anything and may have double paid them which they are looking to reimburse. Please have this removed from my account ASAP. I am in the process of purchasing more property and this affects my loan process heavily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this once and received a response from XXXX XXXX stating this was to be removed from my credit entirely. After MULTIPLE attempts to fix this with XXXX  and Equifax, I have gotten no where with them to remove the tradeline entirely. See attached documentation - XXXX XXXX responded to my complaint to remove it and I have the letter from XXXX XXXX stating this is to be removed completely. XXXX and Equifax have not removed this tradeline and absolutely will not accept or help me with the provided documentation. This was not my debt. This never should have been on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: AAA Auto Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On  X/XX/2017     Cash 1  in  XXXX , Arizona withdrew unauthorized amount of {$58.00} by writing a random check number to use to take money electronically out of my bank account. On   XXXX    , this same company also used another random electronic check number to withdraw {$58.00} out of my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Contacted XXXX XXXX  XXXX numerous times about my two mortgages with them. Informed them the credit report states I owe $ 200ish and confirmed I do not owe them any outstanding balance. 

My report continues to show account is delinquent. I have called as well as initiated email threads confirming I do not have a balance and the loan has been sold. However, my credit report and score are perpetually impacted. 

As of now the lenders have informed me they forgot to wire excess funds nearly {$6000.00} to my transfer lender. 

I do not owe XXXX XXXX XXXX anything and may have double paid them which they are looking to reimburse. Please have this removed from my account ASAP. I am in the process of purchasing more property and this affects my loan process heavily.

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