BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I received a cancellation notice from my homeowner 's insurance company for non-payment of premium. I understood that my mortgage company, Wells Fargo, would be paying my annual homeowner 's insurance fee. My understanding of this was based on a written assurance from the agent who handled my refinance. Wells Fargo was my mortgage company both before and after the refinance. When I refinanced my mortgage in XXXX of 2021, I noticed that the closing documents set aside {$840.00} in escrow payments for the payment of property taxes but had {$0.00} set aside for paying homeowner 's insurance. As a result, I wrote to the agent who originated my refinanced loan, XXXX XXXX, to clarify and asked if the amount going to escrow every month would also be used to pay my homeowner 's insurance, as it had been during my previous mortgage with Wells Fargo. He replied that yes, my escrow would be used to pay both property taxes and homeowner 's insurance. On the strength of that assurance, made in writing, I understood that Wells Fargo would continue paying for my property taxes as well my homeowner 's insurance from the escrow account created through my $ XXXX  monthly payments. 

When I called Wells Fargo to sort out the matter today, I was told that the closing documents indicated that money was only for paying property taxes and that there was no arrangement to pay for my homeowner 's insurance. The mortgage company, rather than acting in good faith to carry out the arrangement that I was assured in writing existed now and in the future, simply said that they could add paying homeowner 's insurance in the future if I paid extra money towards the escrow account. 

I was misled the company, and I believe it is their duty to carry out what I understood to be the terms of the agreement : I would pay {$840.00} a month towards escrow, and that amount would be used to pay for both my property taxes and my homeowner 's insurance. That would be the honorable course of action for them to take. Their false assurances have led to a lapse in my homeowner 's insurance coverage. They are responsible for the problem, and they should take responsibility for a fair solution that acknowledges and accounts for the role their misleading communications played in the problem.

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 2015-07-05
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Hello, My name is XXXX XXXX, I have a serious issue with my credit. Since I was XXXX ( I 'm now XXXX ) there have been " error '' messages every time I attempt to get any sort of credit card or loan. This has happened at least XXXX times over the past 4 years. When these companies use my Social Security Number to get my score they can not receive any sort of information from the credit bureaus. I have attempted to get a free credit score from some of the larger websites such as XXXX and I still do n't get any information. I 'm not exactly sure what Bureau has the issue with my information or if it is all of them but I do not know the first place to start when it comes to this issue. I really hope that someone can help me or at least point me in the right direction. Thank you for your time. My email is XXXXXXXXXXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions 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:
Open in 2019 have no knowledge of account

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 2021-08-09
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Experian XXXX XXXX, TX XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission This letter is a formal request to correct inaccurate information contained in my Credit file. I have been trying to get access to my credit file have enough trade line on my credit file to have a score I have had several paid for and always paid on time account I show no recourd found I need this corrected 1 EXPERIAN - PULLED ON : XXXX/XXXX/XXXX *** NO RECORD FOUND *** Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately : delete, update, correct ] the item. 
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit report to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 
If your investigation shows the information to be accurate, I request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2021-08-09
Company: CURO Intermediate Holdings
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
An account with XXXX XXXX was foreclosed in XXXX, XXXX. The credit reporting agency XXXX and Experian still displays that the account foreclosure is still in progress. XXXX is the only credit reporting agency who rectified the information. The account was foreclosed in XXXX, XXXX and they still have it reported as of 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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have attached an account reporting to my credit that is not my card, this account belongs to someone else and I was an authorized user not responsible for the card. Delete this account from my credit asap.

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 2016-02-02
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I ca n't pull a free report from Experian without signing up for a XXXX Credit Report * FICO score AND it requires me to check a box to receive offers : Yes, send me important credit information and special offers from XXXX and other Experian companies.If I do not check this box, it will not process my request. I called the Experian customer service, and they suggested I go to XXXX. However, the same check box appears, and if I do n't check that box, *Yes, send me important credit information and special offers from XXXX and other Experian companies, I ca n't download the report. I do n't want to receive special offers and do n't want my email address sold.After calling Experian customer service, I was instructed to call back in a few hours, to XXXX, to request a hard copy to be mailed to me. This is very inconvenient process. Even if I did sign up for the XXXX dollar credit report, I would have to call back within 7 days, cancel my membership, but would continue to get emails from XXXX and other Experian companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: Comerica
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
My social security benefits deposit on my direct express card every month on the XXXX. This month ( XXXX ) my money deposited as usual, however, it says my card is locked and I can not access any of my funds. I have been on the phone everyday for HOURS trying to get someone on the phone at direct express since the XXXX and can not get anyone to pick up. There are times where I haven held for 3 hours with no response. I am a low income individual and I have bills overdue now because I can not access my money. I need help Now and cant seem to get any from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: AmeriHome Mortgage Company, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Greetings, I am extremely frustrated with Amerihome Mortgage and XXXX XXXX. The mortgage company failed to inform me in a timely manner that they weren't able to secure the homeowner 's insurance payment due to the failure to secure the insurance company 's information even though they had made a payment on my behalf the previous year. I asked the company why no one had emailed or call me to let me know I had no insurance they said it was against the company 's policies. It's considered harassment to send me an email even though I receive monthly payment emails from the company. I was told I am on my own and I would have to find a new insurance company, even though I am not the reason I lost my insurance. I found an insurance company and weeks later the company still hasn't received any payment from them even though they said they mailed out a check since XX/XX/2021, the company still hasn't received it up until XXXX XXXX. 

As it relates to XXXX XXXX, It has been a month now since they informed me that they are unable to reinstate my insurance, and they still haven't returned the check. I have called them multiple times along with my mortgage company and still no help. How is this acceptable when this is my money that is continuously paid on time???? how can these companies treat customers like this with no consequences?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My prior mortgage service, XXXX ( XXXX XXXX ) sent me a notice of transfer of servicing rights to Carrington.

Carrington sent me the following email on XX/XX/2021 stating the following in its entirety : " Please note that your loan has not finished the transfer of servicing process, and we will notify you once the process is successfully completed. During this time, you will not be able to set up your online account and our customer service representatives will not be able to provide information related to your account. 

Rest assured, we are working to make the transition as easy as we can. During the next 60 days, Carrington will not assess a late charge on a loan payment received by your prior Servicer on or before its due date. Your account will not be reported as late to the credit bureaus during this 60 day period. 

Once the transfer of servicing process is complete, we will send you an additional email with instructions on how to create and manage your online account. 

Thank you, Carrington Mortgage Services , LLC '' THE PROBLEM IS : My automatic payment to XXXX XXXX should have come out of my account on XXXX. It appears XXXX  XXXX has stopped taking my payment. Carrington has not informed me of how I am to pay or to whom. Today is XX/XX/2021 and my mortgage payment is due to someone, presumably and I don't know how or who to pay. I have a superior credit score and pay all of my bills timely. I do not want to have any issues just because the mortgage services aren't promptly transferring my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: CA
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: Received unwanted marketing or advertising

Complaint:
Someone got my social security number and thus got my birth date and CA. license information. I am afraid they will try to get credit cards, loans, drain my checking account and other nefarious aacts. I need protection so as not to be held liable for any unauthorized use of my Social security number, CA. license number, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I do not know where start. I so XXXX right now I have been fighting with all Credit Bureaus about this issues. On my reports there a XXXX XXXX that was open XX/XX/XXXX. I have NEVER and I repeat NEVER had account with them in my life.. Why is this so hard to get remove when it not mine. I have been sending disputes since XX/XX/XXXX and nothing to this day has came off. I understand that people lie abou this but I am not and wouldnt fighting so hard if I was. This is really damaging my report and I want it remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 confirm that I am victim of identity theft. Someone just used my information and put the items that are not mine. I kindly ask you to remove this items as soon as possible from my profile after the investigation.

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 2015-06-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There is a XXXX XXXX XXXX that has been reporting negative for a long time. I disputed it multiple times telling experian that I was released from apartment contract due to a fire that happened in 2009. I tried contacting XXXX XXXX XXXX XXXX themselves to get this taken off and they were n't having it. very rude and would not send me and documents about this account. I asked experian to show me documents proving that it was legit and my but they said they do n't have to prove anything to me. I need this negative off my report ASAP. as XXXX and XXXX both removed it but experian wo n't. I do not have the release form anymore and ca n't get the information to the former management that was running the apartments at that time. without any information I ca n't even try to prove it was released and they are stopping me from any information. As you know the apartment complex always changes management ever so many years. I tried going to the apartment and talking to them and they said there has been like XXXX different management companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have been going over my credit report, and have noticed that Experian is posting inquiries on my report that I did not authorize. Moreover, there are instances of duplicate entries. 
The ONLY inquiries that I have authorized are below : 1 ) XXXX ( XXXX XXXX, 2016 ) 2 ) XXXX ( XXXX XXXX, 2016 ) 3 ) XXXX ( XXXX XXXX, 2016 ) 4 ) XXXX ( XXXX XXXX, 2016 ) There is no excuse for any other inquiries on my report. Moreover, XXXX ( in XXXX ) was given my report XXXX times within 5 days, which is obsurd since the only financing I sought out ( and received ) was from XXXX in XXXX. I believe there is a huge mistake. Experian needs to correct this - giving copies of my credit report without my express written consent violates FCRA. 
The only inquiries to be on my report at this time are the XXXX that I mentioned above. I am not currently seeking credit, and have only sought credit during the aforementioned 4 times above. 
Anything else from TODAY 'S DATE to XXXX XXXX must be removed. Permissible purpose was not established nor granted by me as I did not ask for credit, and these are not soft inquiries. They are hurting any future chances of me legitimately asking for credit, which means it is hurting me financially. 
My identification has been uploaded for your convenience. 
A copy of this complaint has been forwarded to my attorney.

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 2016-04-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX XXXX is still showing negative information on my credit report which is illegally damaging my credit report. I incurred a hardship back in XX/XX/XXXX and stopped paying my bills on XX/XX/XXXX, I lost my home and was unable to meet my obligation. I lost everything. Because of the 7 year rule this account should have been removed from my credit report last XXXX XXXX. It still shows up on my report. I explained that collection agency contacted me and offered to pay towards the balance. I explained that I was XXXX because of my tour fighting for our country and was unable to pay the bill. The collecting agency said that they would make payments on my behalf. I again explained that I would not pay this bill.

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 2021-08-09
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: Reporting company used your report improperly

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
This is my 2nd time reaching out to you and no accounts were deleted. This letter is a formal complaint that you are committing identity theft. You have failed to produce any documentation that shows I directly gave your company written authorization to place these items on my credit report. 
I am upset that you have included the information below in my credit profile. There are laws for credit reporting that ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in the documents.

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