BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX Discover received a payment for the amount of {$4000.00} in the form of a Money Order valued at the above mentioned amount, and written with the provisions for a full satisfaction of the outstanding balance. On XX/XX/XXXX I called Discover and spoke with Multiple representatives, where they agreed that they do accept Legal Tender, and was aware of the misapplied payment. At this point there was an investigation initiated, and they credited my account temporarily while the credit was being applied fully. Within 24 hours they reversed the credit without any reason or evidence of an acceptable conclusion. I waited until the next bill came to be listed online and saw there was no correction on the account. At this point I sent another payment to offset the updated balance of {$3900.00} and the 1st legal notice of payment tendered and opportunity to cure along with supporting documents which I have attached here. I have yet to receive a response but am still being collected on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX {$14000.00} XXXX {$550.00} XXXX {$1900.00} XXXX {$78.00} XXXX {$60000.00}

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 2023-02-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$770.00} ), XXXXXXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$3900.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I requested to have my monthly payment lowered because my husband was XXXX XXXX XXXX in XXXX of XXXX,, and I was laid off from work on XX/XX/XXXX. I explained that we have extremely high medical bills. I explained that my husband was XXXX for XXXX weeks and he had a XXXX XXXXXXXX. I also explained that he will be going through XXXX until at least the XXXX of XXXX. However, I was told that nothing could be done to adjust the monthly payments because iI have a payment plan that could not be adjusted for any reason. I was also told that I would go into default if I missed a payment. I requested a forbearance and I was told that it wasn't possible. I have been paying my credit card bill every month for over XXXX YEARS and Wells Fargo is refusing to offer any assistance during a crisis. I absolutely can't afford to pay {$360.00}.

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: 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 submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2021-04-15
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection from XXXX XXXX XXXX for 1 month of coverage after I cancelled my policy with them changed insurance companies. I called them and cancelled my policy and forwarded them my new insurance information all before my due date for the month in question and they billed me regardless and have been reporting a collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Off and on since 2014 they have frozen my account at their choice not mine. 
It has interrupted my paying for purchases. I always have to call the customer service number and ask for a banker to unfreeze MY money. 
Go to shop at grocery store and it's frozen. 
Just tired of them freezing 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 2020-03-26
Company: Bread Financial Holdings, Inc.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I received a letter in the mail that named a person as trying to make changes to my account. The person named was not me and the letter indicated that no changes were made to the account. Which is wonderful. However, the person named as attempting to make changes to the account is the CEO of the company that I work for. This is troubling because he is not associated with my account in any way. He also DID NOT attempt to make changes to my account. I am not even certain how his name would have been associated with my account. I called Comenity this morning and they can not explain how the name was attached to my account. This is very troubling because the account has already had fraud reported on it that I did not report. This is the initial report that caused all of the problems. I am not getting answers from any of the customer service representatives because we do not speak the same language and do not understand each other. I want a full investigation into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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 not responsible for this account. This account belongs to my deceased husband, XXXX XXXX. The vehicle was repossessed and sold. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX I did a XXXX XXXX  transfer the money was taken out of my savings account and never put back I cancelled the transaction and called Wells Fargo they said it was never taken out took my name and hung up still waiting on my money to get put back in 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 2020-03-26
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Sir or Madam, Over the last 2 weeks I have both called and emailed ( on their website ), multiple times my mortgage lender MR. COOPER to inquire about refinancing. I have not heard any repsonse whatsoever which is unaccpetable. While I undertsand the call volume has increased, 2 weeks is more than enough time to respond. It is clear, the company is simply attempting to benefit from my current higher rate and preventing me from refinancing to reduce this. Moreover, it is horrible customer service to a current customer who has never missed a payment. 

I have a 800 plus credit rating and have already begun refinancing with two other lenders who have offered me 3.75 and 3.25 respectively versus my current rate of 4.125 with  MR. COOPER. 

I would like to file a formal complaint as this is highly unethical and simply poor business

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-12-18
Company: AMERIS BANCORP
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Loan was paid off after a small balance of {$1.00} that was left on loan XXXX after paying final payment on XX/XX/22. I then had called about my title on XXXX XXXX XXXX in collections said I had a balance of fees along with {$1.00} left on the principal. I paid {$1.00} on my account XX/XX/22 XXXX XXXX said that I still have a balance on some fees and that she would send out a payment history for what I owed. On XX/XX/22 I received a letter dated XX/XX/22 her stating that I owed the money for fees and wont get my title until I paid the {$170.00} and if not paid by XX/XX/22 it would be charged off. I had left her a message a day before receive letter about the loan being paid & inquiring about my title. She never called me back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-03-26
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
WHEN TRYING TO MAKE A MONTHLY PAYMENT ON XX/XX/2020 I DISCOVERED OUR ACCOUNT LOAN WAS CLOSED. APPARENTLY THE LOAN WAS SOLD BY DITECH AS PARTY OF THEIR BANKRUPTCY BUT WE RECEIVED NO NOTICE FROM THEM AND HAD PAID BY PHONE ON XX/XX/ WITH NO INDICATION THEN OF ANY LOAN OWNERSHIP CHANGE FORTHCOMING. IN ADDITION WE HAVE RECI=EIVED NO " WELCOME '' LETTER FROM ANY NEW LOAN SERVICER, BOTH OF WHICH I UNDERSTAND ARE REQUIRED BY LAW. I CONTACTED DITECH BOTH BY PHONE ( SHORT TERSE RECODING SAYING LOAD SOLD ) AND THEN BY EMAIL WITH NO RESPONSE. 
WE ARE A MONTH BEHIND ON THE PAYMENT AND NEED TO MAKE A PAYMENT TO AVOID BEING FURTHER BEHIND, EVEN IN THE MIDST OF THIS VIRUS ISSUE AMERICA IS GOING THROUGH. I AM XXXX AND MY WIFE IS XXXX, WE BOTH WORK XXXX  AND NEED HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I read if you had a Wells Fargo Mortgage account between XXXX thru XXXX If you had a Wells Fargo account anytime between XXXX and XXXX, you XXXX be owed some money. 

The financial services company reached a {$3.00} XXXX settlement late last year with the Consumer Financial Protection Bureau after the agency took action against them, saying they broke federal consumer protection laws in regards to auto loans, mortgages and bank accounts. CFPB says their illegal practices included misapplied payments, wrongful foreclosures and incorrect fees and interest charges. 

As part of their settlement, CFPB has ordered Wells Fargo to pay more than {$2.00} XXXX to customers who were harmed, plus {$1.00} XXXX to the victims relief fund.

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 2022-04-11
Company: JPMORGAN CHASE & CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I leased a new XXXX XXXX XXXX through my company for business purposes with the intention of buying the car for personal use at the end of the lease. At the end of the lease, I called for the buyout. I mailed the check on XX/XX/XXXX. The check was deposited by Chase on XX/XX/XXXX ( I have the cancelled check ). However, Chase did not process the purchase until XX/XX/XXXX. On four separate occasions, I requested the title. On one occasion, I was lied to that a duplicate title needed to be issued. I eventually received the title on XX/XX/XXXX with a Chase signed date of XX/XX/XXXX ( the title is not a duplicate ). It is totally unacceptable for Chase to cash my check on XX/XX/XXXX and not mail the title until XX/XX/XXXX ( 8 months ), especially after being contacted on four separate occasions. I have to wonder is this just poor service or some sort of fraud/float? Because of the delay, XXXX XXXX ( my county of residence ) billed Chase the full year business tax of {XXXX}, which was passed on to me by Chase for payment. When I went to XXXX XXXX to record the title, I was told that Chase needed to contact XXXX XXXX for an adjustment, and I would receive a personal property tax bill for the year after XX/XX/XXXX ( not XX/XX/XXXX, the day they cashed my check ). I contacted Chase they agreed. Then Chase reneged on this agreement and said I had to pay the full {XXXX}, and if XXXX XXXX sent them a refund, they would pass it on to me. I am at an impasse as this is totally unacceptable. Given the time and lies that I have gotten from Chase, I have no faith that if I pay the {XXXX} that I will get the refund due to me. Further, it is because Chase failed to send the title in a reasonable amount of time that I am in this predicament.

Company response to consumer: Closed with explanation