BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX  I started a short sale process with Wells Fargo, because the value of my home was less than I owed, and I had become married, and had XXXX children and needed to leave my small one bedroom apartment. 

Unfortunately, I had persistent capacity problems with Wells Fargo for two years, which was awful. 

I went into the process of a short sale with Wells Fargo, after having my house on the market for 18 months with zero offers, I decided to pursue a short sale. 

However, after two years in the short sale process with Wells fargo, I was appalled at Wells Fargo 's improper handling of my case. There was constant turnover with regard to who was handling my property, every time we seemed to have movement, the person responsible for my case transitioned, and I had to start over. I received incredibly absurd requests in the processing of documents for Wells Fargo, for things like making my signature darker, or having a signed letter on company letterhead as to why my two pay periods a month are not always on consistent days. This incompetence led to three offers ( for within hundreds of the entire amount of my loan with Wells Fargo ) falling through. 

I had a short sale realtor, and a short sale attorney and was still paying my HOAs so the property remained in good condition. All of my paperwork was in place, and there was an offer for three months ), and Wells Fargo was unresponsive. 

I enlisted managers and others to be involved, and I kept copious notes on process. I finally received an ok to proceed, almost three years after the process initiated, all the while still paying an attorney and HOAs. 

I believe I should be a part of the settlement identified here : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX But I have not been contacted by Wells Fargo despite outreach .

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 2023-10-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I receive yesterday a communication letter from CITIBANK about the Dispute They are not able to resolve on my behalf due to the Answer from the merchant. 
In the letter they stated as a Courtesy they provided credit in XXXX of the XXXX Disputed I have with the same merchant for Incompetent services received from merchant. 
I would like to have CITIBANK provide me the process under VISA Policy in regards Disputes for Services not received and the Fact I had to pay for the same Repair for the same part of my truck twice, I don't believe I have to be responsible to make any payments in the amount disputed for {$1000.00}. 

So At this time I would like to report CITIBANK has violated the Following : Federal Section 15 U.S. Code 1666i and California Sections 1740.40,1747.50,1747.60,1747.65.

This is my last effort and to have it reflect it as an exhaust Administrative Option before I take legal Action against CITIBANK along with another Matter I have pending. I already Informed the CFPB Ombudsman in regards this Dispute I have with CITIBANK.

If CITIBANK still deny assistance and due to its Actions making reports to the Credit Agencies and damage my credit report, by Law I make CITIBANK Liable for XXXX times the amount on Dispute.

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 2022-11-22
Company: Experian Information Solutions Inc.
State: NV
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, Arronrnts # XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXX 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

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 2020-03-24
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I attempted to change the bank account on file with my auto loan at TD Auto Finance. The auto payment of {$590.00} was scheduled to come out the two days later on XX/XX/XXXX. In an attempt to avoid the payment debiting the previous account I made a one-time payment for {$600.00}. 

Unfortunately, I later learned that any changes that are made within 5 days of the scheduled auto-pay date can not be changed and will not be applied to the current payment date. 

In the end, both payments came out. The scheduled payment with the previous bank for {$590.00} was drafted and my {$600.00} payment was drafted from my new account. 

The problem began when I called TD Auto on XX/XX/XXXX to explain the {$600.00} payment was intended to make the XXXX payment. They explained it had been applied as a principal payment in addition to the scheduled payment. I explained the mistake and requested a refund for the additional {$600.00} payment I made. 

This is where the representative on the phone explained that it takes 19-30 days to issue a refund. 

I believe this is an excessive amount of time and they are taking advantage of consumers by having this excessive amount of processing time to benefit them. 

I believe they are using this excessive amount of time to their advantage to manipulate their customers into allowing TD Auto to keep their customer 's money so TD Auto can have the security of their customer 's next payment. 

We've all received refunds from companies before, including banks and the longest it should ever take it 5 business days. 

I ask that you look into this excessive amount of time because I believe it is wrong and there should be limits on the amount of time it takes a company, especially a bank to issue a refund to its customers. 

Thank you for looking into this matter and everything you do to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-11-17
Company: Experian Information Solutions Inc.
State: NM
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:
The most recent report was made on XX/XX/2022. 
In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act as a military family they have violated the SCRA ACT as well. Due to the hardship resulting from it the incomplete BILLING ERROR reported on the XXXXXXXX XXXX XXXXXXXX  by XXXX XXXX ACCT # XXXX The billing error is Status 30 days past due Status updated XX/XX/2022, Balance {$1200.00},.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
The most recent report was made on XX/XX/2022. 
In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act as a military family they have violated the SCRA ACT as well. Due to the hardship resulting from it the incomplete BILLING ERROR reported on the TRANSUNION CREDIT REPORT by XXXX XXXXXXXX XXXX  # XXXX The billing error is Status 30 days past due Status updated XX/XX/2022, Balance {$1200.00},.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed the inaccuracy of this account on multiple occasions for years. I have submitted concrete proof of school records that shows both of my children are in my care. XXXX has DELETED the account from my Credit Report but EQUIFAX and XXXX continue to violate my rights. 

Please be advised the inaccuracy and fraudulent reporting of the account below has negatively impacted my ability obtain credit and build a life for my family. Not only is it a deformation of my character but it incorrect and has been detrimental to moving my life forward with my wife and children. This account has stopped me from being able to purchase a home and a second vehicle for my family. You will also see with my childrens school records attached to this letter, that my XXXX children that are attached to this account have lived with my wife and I for most of their school career. Let the record reflect that their mother lived XXXX hours away from my wife and I, making her not regularly present in their lives. It was only when she decided she wanted to a mother again in XX/XX/2020 that she took me back to court to have the court remove them from my home and their school to place them back in her home. Let the record also show that my wife and I then relocated XXXX hours to ensure that our children remained together. My sons are now back in our home once again. This has been both an emotional and financial hardship for my wife and I as well as our other XXXX children. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: V and H Portfolio
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I saw a Collection on my credit report from Vance and Huffman , LLC. Original bill come from XXXX XXXX XXXX. Bill is {$740.00}. I do not recognize the bill. I have detested it on my credit report. I do remember though several years ago I bought a ring at XXXX. I believe XXXX was the name of a leasing company buying the ring. I returned the ring right after I bought it. XXXX kept calling me constantly to pay them. I told them the ring was returned. This was several years ago. Probably about 7 years ago and just now on my credit report. Since I did not use their services and returned the ring and it have been so long ago I need this collection off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: VA
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 was in a covid XXXX program with XXXX Mortgage that appears to be an interest increase trap as well as negatively impacting my credit score. 
according to The Cares Act, this should Not happen. 
XXXX Mortgage is conducting business nefariously and taking advantage of mortgagees during a pandemic. 
they have refused to take payments and allow me to resume paying on my mortgage yet are reporting me for missing payments which is false, I have bank statements and documentation to back this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 was in a covid XXXX program with XXXX XXXX  that appears to be an interest increase trap as well as negatively impacting my credit score.

according to The Cares Act, this should Not happen. 
XXXX XXXX  is conducting business nefariously and taking advantage of mortgagees during a pandemic. 
they have refused to take payments and allow me to resume paying on my mortgage yet are reporting me for missing payments which is false, I have bank statements and documentation to back this up.

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 2022-09-15
Company: Experian Information Solutions Inc.
State: TX
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 previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 

Please DELETE any accounts that you can not provide the original contracts for that show the lawful collection fee amount. 

XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX {$810.00} XXXX  XXXX {$790.00}

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 2020-05-07
Company: Sequium Asset Solutions, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I activated a cell phone with XXXX. They assigned a number to me that was previously used by someone else. I have only given this new number out to one person : so anyone calling me is actually trying to reach the previous owner or is calling numbers sequentially or at random. Sequium has called several times, the most recent being XXXX at XXXX XXXX and XXXX at XXXX XXXX. They have been clearly informed that I am not the person they are trying to reach, but they continue to call. The telephone numbers shown by collar ID are XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, after receiving an alert from my consumer monitoring service, I contacted Annual Credit Report and got a copy of my consumer reports from XXXX, XXXX, and XXXX. As I checked my consumer reports, I noticed an alleged medical collection from XXXX XXXX XXXX whom I never received products nor services from. Not only is it a XXXX violation but XXXX XXXX XXXX is in violation of 42 U.S. Code 1320-6 Wrongful disclosure of Individually Identifiable Health Information and violation of 15 U.S. Code 1681 ( a ) ( 4 ) a consumers right to privacy. I contacted XXXX XXXX XXXX to dispute the alleged medical debt threw certified mail sent out XXXX2022 asking for verification of this alleged medical debt and never received anything back from XXXX XXXX XXXX. I now have an alleged medical collection on my consumer report that is ruining my reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to link my XXXX account to my American Express savings account. XXXX account show up as XXXXXXXX XXXX because that is the bank they use for US currency. After linking, my American Express savings account is frozen. I called them and uploaded the statement from XXXX as requested. My American Express savings account is still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-17
Company: Avant Holding Company, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Avant, a company I have a credit card with, is processing applications for other lines of credit without my consent. I keep getting rejection notices for a card I am not applying for. This is lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2023-01-09
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On the date of XX/XX/2022, a purchase for a total of {$840.00} was made on the website XXXX. The merchant contacted me to let me know the item I purchased was out of stock but never provided a refund. After days of waiting, a case was filed on XX/XX/2022 with Citibank for no merchandise being received. Citibank investigated and claims that the merchant shipped out the merchandise however they can not provide proof that this is the case. No tracking number has been provided to me or Citibank. Now Citibank claims the can not investigate any further, even though I have sent proof of my order status never having been updated to shipped and order still being processed.

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 2023-02-28
Company: Genesis FS Card Services, Inc.
State: CA
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:
XX/XX/XXXX I've called the credit company because I didn't apply for credit now I've owed 2 accounts without knowing what is going on.

Company response to consumer: Closed with explanation