BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion has allowed " XXXX XXXX " in reporting negative and INACCURATE information on my credit profile from an account of a leasing machine in XX/XX/XXXX. 
This is NOT my account, I NEVER signed for this account. According to XXXX XXXX, this account was activated in XX/XX/XXXX. I was not an owner of this business at that time, but purchased the business until XX/XX/XXXX. I have informed XXXX of this and that this is not my account several times. i sent a signature affidavit to Transunion as proof along with a fraud complaint. The Illinois State agency shows i was NOT the owner of this business related to this account in XX/XX/XXXX. Yet Transunion has continued to report this civil judgment from Same creditor on my personal profile. 
This has significantly damaged my credit profile as well as interfered in business transactions and growth. It has created a mental and financial hardship. 
XXXX is well aware I was not a signor on this account, and so now is Transunion but have reported negative information on my credit profile anyway. Furthermore it has come to my attention that XXXX has been the target of many lawsuits due to their unethical practices. Again, XXXX is a company known for illegal, unethical and fraudulent claims against consumers, and in spite of the evidence being presented Transunion credit bureau has failed to remove this inaccurate account ( s ) from my credit profile, and i have been disputing this for over a years time now. 

ALSO, This company has pulled my credit continuously without my authorization whatsoever which Transunion has allowed them to do despite my objections. This has created a hardship for me and has done considerable damage in my life both XXXX and financially.

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 2017-03-03
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I took a mortgage through USBank home mortgage in XX/XX/2009 for {$55000.00} on a home. and participated in the Florida first time home buyers program offered by the state of Florida. I received a {$10000.00} down payment assistance through the Government ( 1st time home buyers assistance program ) this is only re-payable to the Government when I sell my home. I just checked my credit report and noticed my balance of {$49000.00} I currently have with USBank home mortgage has increased by {$10000.00} to {$59000.00}??? Also, this lowered my credit score, because the balance now owed increased by XXXX. I have contacted and spoken with several USBank representatives, who at first said the issue would be fixed and my credit report would be adjusted accordingly. Now I was told that this money is part of my loan and USBank Is collecting it! I really do n't think this is legal??!! Especially since I am sure that there is no interest on the {$10000.00} dollars the Government gave me for the first time home buyers assistance. And why now?? After 9 years of paying my mortgage on time without ever missing a payment or ever being late!!

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Overdraft fees misuse of account from wells fargo

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 2016-05-20
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX has no right to be on my credit report. This same debt from XXXX Insurance company was just deleted from another company called 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 non-monetary relief
Consumer complaint received 2021-12-30
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RoundPoint Mortgage failed to pay my Insurance through Escrow for almost 2 months. About a month after closing, we needed to switch insurance policies from Landlord insurance, to regular property insurance because the seller was renting back the house for a month. This is standard operation for those who have post-possession clauses in their contracts. We canceled and switched policies on XX/XX/XXXX. We received a refund check for the leftover balance on the insurance account. My mortgage agent at XXXX said that at this point since my first payment was to be made with RoundPoint, that I must deposit the refund into the new Escrow account held by RoundPoint. This was done on XX/XX/XXXX. I then informed the insurance company of the updated mortgage company, and informed RoundPoint of the insurance policy # and the billing information ( this was slated to be officially switched over on XX/XX/XXXX - our first mortgage payment ). The insurance company then also billed RoundPoint for the Insurance balance through Escrow. Two weeks passed by and I am getting calls and emails from insurance saying that the premium has not been paid yet. This is strange, as I informed both companies of the updated information. I called RoundPoint, who confirmed that they are 7 days delinquent on the insurance payment. We conferenced in the Insurance company also, who provided an address for RoundPoint to OVERNIGHT a payment to. This was sorted out and we ended the call with RoundPoint confirming that the payment was slated to be over-nighted to the insurance company. About a week later I had submitted a request to close the Escrow account because I was frustrated with the Mortgage company not being able to do their job properly and decided it was better for me to just pay taxes and insurance myself in the future.

Again, 2 weeks passed and I am still getting notifications that the homeowners insurance premium has yet to be paid. This is strange, as the overnight payment should have been applied by now. I also noticed online that the Escrow balance has not changed, showing that either XXXX has not received the check or it was never sent. I called XXXX and confirmed with them they have NOT received the payment. I called RoundPoint and at this point they said there was nothing they could do because they already cut a check for the balance of the Escrow account to me. However, the insurance payment should have been sent 2 weeks ago, so not sure why it never got sent or received by XXXX. I ended up getting the money from the Escrow balance and paying the insurance premium myself since RoundPoint seems incapable to handle this feat. Which is surprising since this is something that a mortgage servicing company should be doing on a DAILY basis.

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 2020-10-06
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have had a Heloc with Regions bank in Ga. I found out that they have been sitting on my over payments of interest only to apply them when they see fit. They show the overpayments on their statements as " PAST DUE '' yet it is actually the overpayments of principal that I have made trying to accelerate the payment of my loan. It is a simple interest loan. Any over payment is to go to principal. They are saying that since I make it from a non Regions Bank account that I have go to their bank physically to get them to properly apply any over payments made for principal or open another account with them? I have made numerous attempts to resolve and the onus is always on me not them. Each time that they are putting my overpayments in the " PAST DUE '' are of the account they earn extra money and have been doing it for years until I finally figured out how they were misapplying my payments. Our payments have always been on time. They have not applied the payments properly. All of their loan coupons have the this " PAST DUE '' line on their documents for payment. The forms you would need would just be their forms they use to collect payments. It is in the upper right corner reflecting the activity since the last payment etc.

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 2021-12-30
Company: Experian Information Solutions Inc.
State: MN
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 am a victim of identity theft

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 2016-04-16
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I went to the us bank at XXXX to make my mortgage payment on XXXX. The bank hours showed they opened at XXXX. I was there at XXXX and the branch was closed. This branch is lacated in a XXXX and the store employees said this is common. I called the us bank mortgage phone number to complain and spoke to a really good rep that did everything she said that she could do but to register a formal complaint she said she needed to transfer me to the bank side. After being transferred the new service rep was basically useless and said I should call the branch to complain. The same branch where people did n't show up. I asked if they had a district manager to complain to and she said they did but she did not have the number and I should call the branch and ask them for it. This is terrible service and now I will have a late fee because the branch was n't open when they said they would be

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 2021-11-26
Company: EQUIFAX, INC.
State: TN
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 and Equifax are both reporting an old XXXX XXXX account in the status area as a charge off. The account was paid in full. The creditor XXXX XXXX has provided me with a letter that reflects that this account is paid in full and is not a charge off. I have tried to dispute this with both credit reporting agencies and upload the letter I received from the creditor that reflects the status is not a charge off. But I get an error message and it will not allow me to provide the documentation directly from the creditor. The creditor XXXX XXXX has also advised me that they have requested both XXXX and Equifax of this, but there has been no change in the reporting as of XX/XX/2021. I dont understand why both XXXX and Equifax will not correct the inaccurate information being reported on my credit reports. Especially with a letter request directly from the creditor and the creditor reaching out to both reporting agencies advising them that the information being reported is incorrect This inaccurate information has caused direct financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hello, Recently I noticed a debt for collection on my credit report that is not mine. It states that the original creditor was XXXX. I have several current and closed accounts with XXXX and I do n't have one in collection or have I ever had one in collection. I am unsure on whom I should contact as the account number is not complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2020-06-10
Company: Experian Information Solutions Inc.
State: CA
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 applied for a XXXX  credit card a few weeks ago and I was not approved instantly and today XX/XX/20 I got a letter stating that the reason I was not approved was because there were too many accounts in negative or derogatory standing on my credit report. I had no idea what accounts they were referring to because none of my accounts are in negative standing. I checked my credit report just to make sure it wasn't a mistake and I found about 8 accounts on my report that are not mine. I had no idea these accounts were even on my credit history and I don't know who they belong to. I did not allow anyone to open those accounts in my name nor did I benefit anything from them such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I do not have any relationship or affiliation to any of the companies I listed in this report and I have already filed a police report regarding these suspicious accounts.

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 2016-07-09
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I setup a bi-weekly payment with Greentree financial and was required to be 1 payment ahead ( prepay 1 payment to establish ), payments were applied every 2 weeks as they were suppose to be when Ditech took over service account, they showed account past due and are putting the payment in suspense account stating payments are not applied until the full payment is received I then had a large insurance claim check that was overnighted XXXX they received XXXX, deposited XXXX and as of XXXX still not applied to my account. I have made weekly call inquiring as to the status to get a canned response that they are backed up and it would be 7-10 days before they could process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX 2016, about a month ago, a friend of mine and I went to an estate sale. We purchased a file folder case that contained some miscellaneous papers and also had some XXXX money in it. We took the money to Wells Fargo to see if it had any value. They looked it up and said, " This ca n't be right, can you come back tomorrow with the money when we can verify for sure that it is correct ''. 

So we brought the XXXX bills in the following morning and met with the bank manager and two ( 2 ) other bank employees. After consulting with others on the phone and amongst themselves, they came back and informed me that the money was real and had a value of {$9200.00}. I asked them to please double check and make sure that it was indeed that valuable. I explained to them that I did not want to find out later that it was a mistake. They informed me that they had indeed double checked and actually had triple checked that the money was real and had value. They deposited the amount to my account on XXXX XXXX, 2016. 

Now after three and a half weeks Wells Fargo contacted me this and told me that the XXXX money I gave them have been taken out of circulation. They now are demanding that the money be returned to them. 

In no way did I misrepresent the acquisition of the money or its value. I did not fraudulently represent anything about this situation. Wells Fargo is a very large bank that has branches all over the world. Wells Fargo is the self proclaimed money experts, so who better to take the money to. Even before I went in to the bank, I contacted them by phone to verify that they did currency exchanges, which they did. On XXXX XXXX, 2016, Wells Fargo took out the {$9200.00} from my account leaving my account overdrawn by {$1000.00}. I got a call today from Wells Fargo asking me to pay the overdrawn amount today. They already took every XXXX in my account and now they want me to pay more to cover their own mistake. We have made decisions of how to spend this money based on it being ours. We put money towards the escrow for a land we 're hoping to buy. And because of Wells Fargo 's wrong doing we may lose the escrow money and the land. 

I do n't get the privilege of going back and undoing all my mistakes. Do I have to let them?

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 2015-10-22
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I recently purchased a Cadillac CTS at the XXXX XXXX in XXXX XXXX. They gave me a temporary registration and I believed the documentation to be legitimate. On the temporary registration the mileage was listed as XXXX miles, the actual mileage of the vehicle was XXXX miles. When I went to the XXXX to receive my permanent registration the XXXX informed me that the vehicle was not registered in my name and there was a lean on the title. After the XXXX, I went back to XXXX XXXX and they would not disclose the information that I needed. Later on XXXX legal informed me that the vehicle was stolen.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: McCarthy, Burgess & Wolff, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This firm is persistent with a letter in collection of a debt. My request for the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, and a complete accounting / statement of payments with interest and fees associated with this debt has not been complied to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: ALLY FINANCIAL INC.
State: NJ
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:
ON XX/XX/XXXX, a letter was sent certified to Ally Financial contesting their information on my account and incorrect credit bureau reporting. 
I stated and showed that I paid the final payment of my lease on XX/XX/XXXX. The lease was paid in full. Ally has failed to show any evidence to the contrary. In addition, they stated they made a charge of in the amount of {$3400.00} yet the lease was finished and the vehicle returned. 
This is completely incorrect.

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 2021-12-30
Company: Experian Information Solutions Inc.
State: HI
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:
Reviewed credit report, it shows XXXX XXXX XXXX XXXX credit card opened and used in XXXX and XXXX. Serious delinquency in XXXX, it is affecting credit score and report. This is identify theft and fraud. I did not open a credit card at this business or use it. I tried speaking to XXXX, multiple customer service and fraud department specialists. Nobody can help or provide any information

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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Reviewed credit report, it shows XXXX XXXX XXXX XXXX credit card opened and used inXX/XX/XXXXand XXXX. Serious delinquency inXX/XX/XXXX, it is affecting credit score and report. This is identify theft and fraud. I did not open a credit card at this business or use it. I tried speaking to XXXX, multiple customer service and fraud department specialists. Nobody can help or provide any information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
While checking my credit score on XXXX, i noticed an account closed on my XXXX report and the same account open on XXXX. There is no close date, it still shows incorrect information and theres a statement of foreclosure started. The funny thing is, Bayview loans has not sent a single document since XXXX when they bought the loan from XXXX. In fact, there is no closed date. My mail is not the issue as my postmaster for usps in XXXX is under investigation.

Company response to consumer: Closed with explanation