BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX dinged my credit to pressure me for money without notice as I called them only after getting credit report change notice from my XXXX account. When we spoke, the agent said I had to pay the balance and only then they 'll remove the credit reporting. I paid the balance and I do not yet see the updated report on my credit.

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 2015-08-28
Company: Internal Check Systems, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have recieved XXXX calls XXXX on XX/XX/XXXX and XX/XX/XXXX ) from a XXXX XXXX with Internal Check Systems ( ICS ) saying that she is coming to my home or place of employment to serve me legal documents for a debt unless i contact them. I called them back on XX/XX/XXXX to get more information and was told that I owe {$520.00} from XXXX XXXX XXXX for a loan that I took out XX/XX/XXXX. They said that I took out a loan and failed to pay the loan back. Therefore, they said that I wrote a bad check. 
They also have called family and friends telling them that I am in debt and they are filing a lawsuit against me and that they are coming to my house to file papers on me. This information is none of my family and friends concern. They should not be contacting them, telling them my person business. 

This loan was taken out over 4 years and i honestly do not remember the circumstances involving the loan, but I do know for a fact that at the time I took the loan out, my intention was to pay it back. 

I have the voicemail messages left by " XXXX XXXX ''.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Hi, In the fall we refinanced our mortgage with Wells Fargo. 
After we filled out the paperwork, they set us up to get an appraisal with a completion date of XX/XX/XXXX. Wells Fargo then set a closing date of XX/XX/XXXX. The appraisal was ordered on XX/XX/XXXX and was completed XX/XX/XXXX, and then we waited. The appraisal came in 2 days early on XX/XX/XXXX. Which was scheduled to be in. time for a closing of XX/XX/XXXX. Just before XX/XX/XXXX we revieved a call from our loan officer, telling us that we needed to pay {$750.00} for a lock extension to ensure our rate of 3 %. He said with all the business they had, the docs department could not produce our documents by XX/XX/XXXX. He said that if we did not sign the lock extension, we would have to start the process over from the beginning. So we signed. Wells Fargo then moved our closing date from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX the day we closed the mortgage, the mortgage rate at Wells Fargo was still 3 %. 
I am asking that my {$750.00} be returned. Wells Fargo knew the date the appraisal would come in, but yet they set and decided not to move the closing date. They said our documents sat in their documents department too long. They said the appraisal took too long. 
1. The appraisal came in 2 days earlier than they told us originally. 
2. They picked the appraiser. 
3. They controlled how long the documents sat in their documents department. 
4. I should not have to pay for their inept handling of the refinance. 

I wrote to them on XX/XX/XXXX. On XX/XX/XXXX they wrote back and blamed the delay in the appraiser. In our closing documents, Wells Fargo also attempted to charge us a mobile notary fee. We saw that and objected, since there was no use of a mobile notary. 
In reviewing our claim they said they place that fee in every contract. People must ask to have it removed if there is no mobile notary. How many people do n't realize it is in there or do not know to take it out?? I would venture to say that 90 % of their closings do not involve a mobile notary. What a scam!! 
I hope someone will look into other cases where the closing delay was caused by Wells Fargo and they extorted a payment of a lock extension fee. I hope someone will force them to not place the mobile notary cost in every contract. If people do n't see it or understand they can ask it to be removed ... Wells Fargo gets money for nothing. 
I thank you for any help you can provide, XXXX, Or 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 monetary relief
Consumer complaint received 2017-04-03
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I 've been paying for a year and a half on this loan. About six months ago the information I could access about my account on their website went blank. They kept saying they were having issues with their website - never seem to get it fixed. Had no idea when I took out the loan that the finance charges would be what they 've stated. I 've paid back XXXX of dollars for an initial {$1000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Accurate Background
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
According to my rights under FCRA ; I have the right to request for information of incomplete material be removed from my credit report. The attached document has information for pending allegations that I have not been convicted of and should be removed per my rights under the FCRA for reporting incomplete information. Please remove this at your earliest connivence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a wellsfargo mortgage modification program and I was denied. I have a surplus of income at this time and was denied. I do not understand why I can not find an reasonable option for me and my mortgage company wellsfargo. I will go to the media and provide them the my documents to show them my ability to pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX ( XXXX ), and XXXX XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have asked Experian several times to verify a charged off account that is reporting on my credit report by sending me the documents they keep saying they have used to verify the account. It has been 30 days and they have again said the account is verified with NO PROOF of verification that I have repeatedly asked for. I would like this account removed from my 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 2017-04-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$9700.00} Unknown Judgment 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Dismissed BankruptcyChapterXXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} Unknown Judgment 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. INQUIRIES : Name of Company Date of Inquiry Type of Business XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Banking I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!

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 2017-04-04
Company: FBC MORTGAGE, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I make bi-weekly payments with the belief that early payment is being applied to the principal of the loan. Mortgage company however does not apply partial payments until due date. Therefore, I get no benefit from early payment. I also make an extra payment each year. I am under the impression that all early payments are to be applied to the principle as I do not have a prepayment penalty clause on the contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was viewing the details of my credit report and I saw that XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, 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 you post on a credit report. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of the verifiable proof, of this 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 2016-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion continues to keep an erroneous charge off from a collection agency, XXXX XXXX. I have already disputed this with TransUnion and it came back as the infamous " that they are reporting correctly '' which they are not. 

To again expedite the process. I have a signed release from XXXX and their original creditor in lieu of suing them for having violating both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

TransUnion again has had more than the allotted time twice to delete this frivolous trade-in from XXXX XXXX! 

I have enclosed the copy of release and expect TransUnion to IMMEDIATELY DELETE and not again send a partial automated response by just " reinvestigating this item '' by their e-Oscar system. 

They care continuously and willfully causing financial harm and I am giving TransUnion until the close of business on the XXXX of XXXX 2016 to have this permanently deleted or I will sue TransUnion both in State and XXXX XXXX. 

Time has run out and they need to be compliant! 

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 explanation
Consumer complaint received 2017-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2017 I called to place a stop payment on a check with Bank of America. On XXXX XXXX, 2017, I see the check posted, when I spoke with Bank of America customer service, they advised me that the stop was on my account correctly and XXXX XXXX put the check through a few times. The first time Bank of America stopped it but when the bank took out the check number it went through electronically and they can not do anything about that. First, I was never told over the phone or by the letter they sent to me about the stop payment did it say that if a bank puts the check through electronically it will still process. Second, when XXXX XXXX first put the check through and Bank of America stopped it then the same bank put the same amount, made out to the same person through a second time, they let it go through then. It seems very deceptive on Bank of America side, they should have stopped it for both.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
customer service would not help and take care of the negative inquiries reporting to your 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 2017-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a credit inquiry alert on my Trans Union credit report. The following credit inquiries from XX/XX/2017 are unauthorized and fraudulent : XXXX/XXXX, XXXX/XXXX and 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 2016-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Balance transfer fee

Complaint:
Sir, Madam I am writing this letter to complain Well Fargo bank. 
1. When i did a second balance transfer on phone they told me that, i just pay only one time charge for balance transfer either {$5.00} or 3 %, ( No interest charge ), but when i received a bill, there is the interest charged on my bill. I did call the Well Fargo bank, but they did not resolve that happen. 
2. I had never applied for credit defense, but they automaticlly made up the paper, and charged in my account. I was so frustrated and call them, they already credit back to my account, but that was illegal? 
3. I had never applied for Loan, but they automaticlly made up the paper, and charge me XXXX dollars. i was very frustrated, went to the bank asked them to clear it ( because that is fraud ). they did clear for me but that was illegal? 
Hi Sir, madam, i am depressed, sick because of the Well fargo bank. i have a trouble sleeping every day .Could you please help me I am waiting for your response XXXX XXXX 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 2015-10-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I took out student loans, in fact, {$90000.00} for a university, and when I was there, students and staff were so mean to me. When I graduated, I came home crying my eyes out. I had a look in my eye before from the staff members that I would never ever get a job and I could look for the rest of my life and no one would hire me. And I have processed that feeling although it comes and it goes. Maybe these banks should add a Human Behavior course that Americans will lie, cheat, and steal to get ahead. They will psychologically damage you and change all of your memories. I needed to be better prepared for human behavior to take out student loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have two loans with Sallie Mae. On Tuesday, XX/XX/XXXX I called them to say that I didn't have the payment ready yet. I asked if I could be taken off their automated calling list and they said they would do that. The next day I get an automated call, and I explain to them that I said on Tuesday that I wished to be placed on the do not call list. They made a note of it and said they would take me off the list. The calls kept coming however, up to today, Saturday the XXXX. They have repeatedly lied to me, by now saying that I should just block their number, or change my phone number on their website. They also said since I live in California, I need to send them a cease and desist, which was never mentioned in the first call. I have never been harassed like I have been dealing with Sallie Mae. I can not afford a lawyer, and my co-signer is my brother in law who does not have the funds either, and in total it has totally our relationship. I don't know what to do other than going into litigation, or straight up calling the police. I told them I don't have the money yet, but I can pay back eventually, but they don't understand, or even care. I'm on the verge of going insane. And I don't know what to do anymore. 

Thank you for listening.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
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:
I have tried to communicate with them to let know that these where not my accounts. But they have continued to disregard the information that I am give them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Fidelity National Financial, Inc
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Title company Fidelity National Title Insurance/XXXX appointed by XXXX failed to provide clear title or inform me of title issues by the time I purchased my property XXXX NY XXXX. XXXX failed in it 's fuduciary responsibility to be a neutral party ( Trustee or Benficiary ) to inform me of changes made to legal title and what appears to be a ficticious forclosure or property abandonment whereby XXXX self assigned themselves to create a new mortgage lien. My property has a clouded title whereby it appears that XXXX entities XXXX has a lien and XXXX also had or has a lien. I have had no dealings with eithor of them, so it appears that these were somehow attached to my property in the XXXX County land and Court records.. This complaint is in relation to previous complaints I have made with CFPB on XXXX and XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: RJM ACQUISITION LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We have been making payments for a debt to a company called RJM Acquisitions. Today we received a call from XXXX XXXX, another debt collection agency, claiming they are the actual owners of the debt and that they are suing my husband for nonpayment. We now have to figure out who actually owns this debt and how we recover the fact that we have already paid a debt to a possible scam artist- all while being sued for this very old debt.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
After sending a dispute letter certified mail to Transunion regarding wrong accounts I received a statement back that they were verified. I sent a request again through certified mail requesting reinvestigation and verification and method of verification and have never heard back that was XX/XX/XXXX. The wrong accounts are XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX After requesting information several times theses accounts remain unverified Transunion needs to delete them permanently

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