BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: MA
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 had a store card with XXXX XXXX XXXX XXXX I was doing payments on time till I lost my job but the only balance left over was XXXX dollars so I thought if I paid it off it will close the account. Years later I was told in 2020 that it was sold to XXXX XXXX XXXX. XXXX never showed up in my report or even got update at all for XXXX XXXX that it was sold to them. In 2020 I paid off the balance over to XXXX XXXX  which their policy was they delete the whole account if they are report to the credit company but it never did and now Im not able to delete this account because it wasnt rightfully updated like it shouldve and still shows that I never paid it off. This is really hurting me because its considered a charged off and I have sent the credit companys proof of everything, the store company and lender they sold it too how I paid everything off and should be deleted but the credit company are not bulging at all

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 2015-06-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I never signed up for an opt in program. I got over drafted by XXXX dollars and once that hit wellsfargo took all my prior charges and ran them back to back running my charges up to XXXX dollars. I called and explain only to have XXXX ( who could care less what happened ) told me pretty much that he could allow me to keep XXXX dollars of my money ( gee thanks ) or I could decline it and pay all the charges. I will take my money out by the end of this week and change both of my direct deposits. Wellsfargo has XXXX me do the last time. I have been with them since 2009. I will scream redemption when they get what 's coming to them for XXXX the XXXX class.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Loancare messed up my accounts charged me late fees, a huge amount of interests and provided me inaccurate pay-off statements

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 2022-05-05
Company: EQUIFAX, INC.
State: TX
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 were submitted without my consent XXXX, XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX, XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Data Inquiry Date XXXX XXXX XXXX, XXXX Inquiry Date XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Recovery Partners, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was Contacted regarding a vehicle accident on a vehicle I now longer own. My insurance company released me from the liability of this accident. The other parties insurance sold the debt to a collection agency which is making threats to request suspension of my licence in a letter dated XX/XX/20. I receive harasses phone call on a day to day basis. They now are trying to connect the claim to a business my husband owns and operates. I keep trying to refer them to my insurance company and asked they do not contact me but it continues to escalate on their side.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have submitted several letters with return receipts disputing the information that TransUnion is reporting on behalf of XXXX. I have also requested written verification of my signature and/or what methods were used to verify the information. The law requires the Bureaus to be able to back up what they are reporting or delete the information entirely. Likewise I have sent several letters to the creditor : XXXX not only disputing the information but also requesting written verification of the information that TransUnion is currently reporting. I have return receipts for all letters sent to both companies. Both companies have failed to mark the report of their information as being disputed. Both companies have failed to provide me written verification and therefore I am requesting there information that they are currently reporting for XXXX be permanently deleted as this has created hardship for me in securing a home loan.

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 2015-08-03
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, A supervisor in the Loan Administration section reviewed the court filings on the Iowa Clerk of Courts Website regarding the foreclosure action filed by Wells Fargo Home Mortgage. While I understand your concerns, many civil actions and court proceedings that are filed within the court systems are documented on the county websites by law, and also a matter of public record. Also, I believe the information can only be removed by the order of the court. 

You may also be eligible to purchase a home using another VA home loan, but lenders will most likely want to see you reestablished credit and made satisfactory payments for at least 12 months after the foreclosure. Our records show VA paid a foreclosure claim of {$3500.00} to Wells Fargo. You would need to pay VA back this amount for full restoration of your home loan benefit. However, you have VA home loan bonus entitlement available too. When you are ready to move forward with purchasing another home and would like more information regarding your VA entitlement, please contact our XXXX XXXX Department at XXXX, extension XXXX. 

I hope this information helps. 


XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fax

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Firstsource Business Process Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Company tries to collect claiming they are from XXXX XXXX but in reality they are a 3rd party collection company. Its a misrepresentation and an unfair debt collection tactic.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: CITIBANK, N.A.
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I brought up this exact concern to the Home depot before opening my account. I was guaranteed by the credit account manager that the Home Depot would never change account terms to add full back interest after the two year promotion date was over. Specifically he said that " The Home Depot cares too much for its customers to do that '' and that my account was " Two years no interest '' and that my concern was " two years deferred interest ''. THAT IS HOW HE SOLD ME ON CREATING AN ACCOUNT. Additionally, since I spend so much time TDY away from home, I have always set up payments so that purchases will be payed off in full before the end of two years. this method of managing my account has worked well for ten years with no problems until now. I don't know what went wrong. The auto payment were not nearly as agreed, in fact Citi made them digressive until the end of the two years and then added the full back interest to the principle. This is terrible PREDATORY lending and an internet search reveals Citi as absolutely famous for this. I contacted them when I learned about this and asked them to contact me to discuss it. No one contacted me. They just left me a message that they turned down my request. ( Which I hadn't even had a chance to explain yet ) Now, over a year later I have had some time to re-visit the issue and when I contacted Citi executives I was told that it had been too long ( even though I first contacted them when it happened ) and that it was my fault since I " chose not to manage my account ''. 
I don't deserve this. NO ONE DOES. 

1 I have excellent credit and have never missed a payment so why are Predatory Banks like City allowed to charge any interest rate they please?? 
2 why can Banks change the terms of credit accounts as the please and then tell me that " they sent me letter '' informing me of the change in terms?? Should notification methods be adiquate for EVERYONE, even if some people spend much time away from their place of residence. Why can't changes REQUIRE a confirmation.

3 How can organizations like Home Depot, Best Buy, Costo and others allow their customers to be taken advantage of by such a predatory lender as Citi? How can they possible demonstrate their disregard for their patrons any more clear?? ( I'm going to bring this up with the executives of each )

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 2020-02-27
Company: MidAmerica Mortgage Inc
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I refinanced our home and closed on the property on XX/XX/XXXX. Our original lend was MidAmerica and they are a nightmare. We have not yet received our Escrow payment. MidAmerica will not answer phone calls or emails. It has been well over 20 days. 

Our new lender, XXXX XXXX, our title company, XXXX XXXX and myself have attempted many many times to contact anyone from MidAmerica to resolve this problem to no avail. We are either kept on hold for more then 2 hours or just not responded to by email or any other means of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The debtor called and left a voicemail. They did not disclose that they were calling about a debt and then left information regarding my personal direct deposit information without any indication of what this was about.

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 2022-05-05
Company: Certified Credit Reporting, Inc.
State: LA
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:
I do not recognize nor did I authorize the below credit inquiries from XX/XX/XXXX & XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXXa XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Certified Credit Rep XX/XX/XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CBC Companies, Inc.
State: LA
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:
I do not recognize nor did I authorize the below credit inquiries from XX/XX/XXXX & XX/XX/XXXX. 

XX/XX/XXXX Factual Data XX/XX/XXXX Factual Data XX/XX/XXXX Certified Credit Rep XX/XX/XXXX XXXX Mortgage XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
It is a long complicated issue. It started with my student loans being refinanced without my permission. Multiple companies have now tried to collect from me on this loan. The new loan conditions are very unfavorable to me and I did not agree to them. Companies and organizations including The department of education, XXXX XXXX, XXXX, And XXXX XXXX have all tried to enforce the terms upon me. In the meantime no one will accept payment from me in the terms that were agreed on. 

When I went to obtain an insurance product I requested a copy of the credit report and disputed information on it. I explained in the dispute this issue, along with others, and told them if they needed documentation to contact me. They did not contact me and did not remove any of the incorrect negative information. 

Just recently I received a letter from XXXX that I had placed a fraud alert on my credit report. I did not do this, at least not intentionally. Maybe it was something TransUnion did when I filed a dispute with them? There was no number in this letter to call a person, only an automated system to place a longer fraud alert on my file. So i searched for a phone number and found XXXX and finally got a human named XXXX. After I asked if he could help me, he hung up on me. 

So, in summary, I have incorrect information in my credit reports ; a loan out there that was refinanced to unfavorable terms without my permission, and no one who will accept my payments ( I keep getting refund checks ) ; a dispute with TransUnion that was not resolved ; a new issue of a fraud alert on my files that no one will discuss with me. 

I have been unable to find any government agency or private agency that can or will help me resolve this snowballing issue. I have called the CFPB before who told me that only the department of education has authority over themselves and it is unlikely they can help. Now it has spread to include private organizations. Private organizations working with a government organization to make the matter worse. Can you help me? If you need any documentation, let me know. I do not know what you need.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: CIT BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Settlement process and costs

Complaint:
My parents ( XXXX and XXXX XXXX ) had a reverse mortgage on their property at XXXX XXXX XXXX XXXX XXXX XXXX. This reverse mortgage was recorded with the City of XXXX from XX/XX/XXXX-XX/XX/XXXX. My father passed away XX/XX/XXXX. My mother repaid the mortgage on XX/XX/XXXX. My sister and I want to put the property in our Mom 's name. Due to doing a title search. There is still an outstanding lien. The Financial Freedom Company has not completed the process of submission to the City of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted my dispute to Transunion with all of the required identity verification. I received a letter from them dated XX/XX/2015 informing me that they would not conduct an investigation because I provided incorrect proof of address but I did not as you will see from the attached documentation that was notarized. I want Transunion to stop stalling and do what they are required by law to do under the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, Transunion, failed to block and remove all the account on the FTC Identity Theft Report. 
My credit report is still reporting an account XXXX XXXX. This has caused me great anxiety, stress, and financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX keeps telling me that they contacted XXXX XXXX XXXX XXXX to remove the information since XXXX of 2017 I have call them month after month and XXXX and Equifax have yet to remove the wrong information and when I got the letter from XXXX XXXX XXXX I disputed the letter within the 30 days by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed bankruptcy in 2007 it is still showing 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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any other following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-02-27
Company: CITIBANK, N.A.
State: IN
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:
I Just reviewed my City Rewards+ Card statement date : XX/XX/XXXX. 
They ( CitiBank ) included a {$25.00} Late Fee and a {$.00} finance charge on a prior month bill of {$25.00}. However, the statement shows that the entire balance of {$25.00} was paid in full on XX/XX/XXXX. The due date shown was XX/XX/XXXX. Therefore the bank automatically charged {$25.00} late charge and the finance charge. However, the payment was mailed by my bank to arrive by XX/XX/XXXX. I, therefore, contend that the payment actually arrived by the XXXX but Citibank failed to process the payment when it arrived. I make this claim because I almost always use my bank to make payments via their bill pay system and they always arrive on-time. I called Citibank and spoke with a senior service rep but they could not / would not resolve this issue. I doubled checked the mailing address to be sure it matched the address on the statement - it did. I think that corrupt banks should be held accountable.

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 2018-12-01
Company: AES/PHEAA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX I HAVE REPORTED DISPUTES ON THE ABOVE CREDITORS FOR REPORTING INACCURATE DEROGATORY MARKS, ACCOUNTS STATUS, AND VIOLATING MY CONSUMER RIGHTS. I HAVE FILED A COMPLAINT WITH XXXX   PREVIOUSLY ON XXXX XXXX/XXXX XXXX AND I NEVER RECEIVED ANY UPDATES, REMOVALS, OR VERIFICATIONS TO SUPPORT THEIR REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX Went to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, after my insurance coverage I was owe {$480.00}, did not make payment on time my bills went to medicredit debt collector I reached out to them couple times end up get some discount so the representative said I could pay off and get some discount I end up paid {$330.00} after some discount was paid on XX/XX/XXXX And now I got another bill with the amount of {$3400.00} That was not mine nor have I been to the hospital again since then. 
Tried reach out to them I did not get anywhere with it. Please help!!

Company response to consumer: Closed with explanation