BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-30
Company: WELLS FARGO & COMPANY
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My personal loan lender, Wells Fargo Bank, assessed a late fee charge of {$39.00} on XX/XX/2019. This fee was a direct result of a payment processing error created by a phone-banking representative. 

During my XX/XX/XXXX bill cycle I had attempted to have the Wells Fargo Loan Servicing Center process a telephone payment of the regularly scheduled amount but unfortunately it was applied to the wrong Wells Fargo account. I realized, and sought to have this corrected, about a week later with a phone call to the same center. During that very phone call, however, I requested the balance, LESS the current amount due, to be paid in full as I preferred to handle the outstanding issue of the misapplied payment myself to avoid any further complication. Another bill cycle passed and the payoff never took place. Since then, and on multiple occasions, Ive attempted to follow up with the same center about this issue but I have yet to receive any follow up service ( phone or written correspondence ). 

I have even visited the local bank branch to get some help with this issue as well as pay the loan balance in its entirety. But with it still not being resolved at the time of submitting this complaint I left a balance on the account in anticipation of this correction/reversal.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 a victim of identity theft. None of the items or transactions are related to any transactions completed by me.

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 2023-09-28
Company: BROKER SOLUTIONS, INC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Loan estimate or other related disclosures

Complaint:
I reached out to New American Funding on this problem. The Representative XXXX XXXXXXXX XXXX my signature on a XXXX  transfer form. I never signed a form nor gave him permission to sign on my behalf. This is fraudulent behavior. Now this lender has my personal information and may share it with my personal consent. This happened on XX/XX/23. I have a recording of him admitting he purposely falsified a document and I have the document.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: NC
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:
The problem I am having is that I contacted equafax and I spoke to XXXX from this company and I had informed him that the only address that should be showing on my credit report I also disputed a lot of information that wasnt correct on my report I said to XXXX do you guys keep mistakes on people credit report because you guys get paid this way and he said I am correct this is not fair to me and there are violating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NC
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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$90.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: Granite Edvance Corporation
State: FL
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 have a loan with XXXX XXXXXXXX, GRANITE STATE MANAGE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX, GRANITE STATE MANAGE with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: PA
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 a dispute letter was sent on my behalf to XXXX XXXX  XXXX, and the three major credit bureaus ( XXXX, XXXX, Experian ) with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2018 with a credit limit of XXXX , appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.

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 2018-02-16
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have had an account with PayPal for over 30 days. I have stop using there service due to them holding my payments received by customers. I called to see if it was possible to have the funds available sooner but the representative would not assist me in a professional manner. As a business owner I look at my consumers as always being right and try to solve the issue. PayPal did not even give that opportunity. I was told that I need to have to confirm my identity, have a least up {$150.00} payments from customer but the inconvenience is payments being held every time I receive an order through my XXXX website. I asked to speak with a Supervisor I was placed on hold for over 30 minutes to get my situation resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in a program with a seller whom I gave a {$6000.00} down payment and a portion of my rent goes towards the principle of the loan/or at closing. My seller now has accumulated {$16000.00} of my cash.I have 3.5 % to bring to closing on my home loan that should be {$110000.00} for the amount financed. The original purchase price is {$130000.00}. The amount paid to seller is {$16000.00}. Bringing my total cost of the price of the home down to {$110000.00}. Additionally, I will pay another {$500.00} for the home inspection. I have been pre-approved through Rocket Mortgage and I am in fear of losing my house because they keep changing the stipulations on me. They are telling me that the seller has changed the price of the house to I {$130000.00}. I have spoken with the seller of the house and he agrees with me that the closing price will be {$110000.00}. Rocket mortgage is telling me that I need to bring {$20000.00} to closing. I only have {$9000.00} in my bank. They initially told me that my closing cost would be included with my loan and that the only thing that I need to bring is less than {$4000.00} to closing. They keep changing the stipulations but refuse to talk to me. I have been refused a supervisor and I have also been reassigned to another loan specialist who refuses to talk to me. I had a meeting to speak with him this morning and wanted to include my dad because he understands finance language. Again the loan specialist refused to speak with me saying that he does not have time to explain things to me and I need to figure it out. Please audit my account, do you have my permission to pull phone calls, and help me. They tell me they do not have time and that I either do what they say or they will dissolve the loan. I need help because my family and I will not be able to close on this loan and we fear being outed to the street. We have lived in this house for three years abiding by the sellers program and we are in good standing with him. Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a text from my financial institute, telling me that I made a purchase from a department store. I called my bank to dispute the purchase. The bank told me that I needed to call the instatute that approved the payment. I called the number to XXXX, that was listed on the web. The repesenitive listen to my store, then told me that yes, there is some fragilant activity on my account, and they need to save my finacial account. the impersonator then told me to down load a app on my cell phone in order to open up a security app, which I found out later was a XXXX app, that allows one to come in and see everything on your desk top. They then had me to open up my banking account. Explaining that I needed to protect my money, so they needed to transfer my money to a safe area, until they find out what happened, so that the hacker could not get to any more funds. they then asked if I had a cash app or any way to transfer money. they noticed the cash app, and had me open it. they then transfered all of my money from all of my banking accounts into the cash app, then sent it to other institutions, and cards.. by then my son had called me, they told me do not answer, because this would mess up the process, and my money would get lost. My son texted me though and told me that all of his money had dissapeared out of his account. then I knew something was not right. I immediately hung the phone up. I called the bank and they told me that yes, all of my money was transfered They also said that there was nothing they cold do because they are not affiliated with cash appI contacted CASH APP via email. They said that they will get back to me within in ten days, time enough to investigate. At this point, I don't even know if this was cash app that I was emailing, because I think that the XX/XX/XXXX impersonator got all of my information off of my phone and hacked my emails, intercepting my emails. 

I went on my cash app account to see what was going on. the transfers were still there as cashed out. I have not heard anything else as of yet. 

I have a police report, I have reported this matter to the Federal Trade commission. 

I have pics, however, I can not send them right now. My phone will not up load them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CITIBANK, N.A.
State: AL
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:
I ordered an item off Costco.com with my Costco Citi ( surprisingly known as the best card, my foot ) on XX/XX/XXXX. Costco apparently ran out of the item before shipping the product, so they never shipped it and cancelled it XX/XX/XXXX ( after I called to confirm delivery date, they didnt have the courtesy to call or email me about cancellation. 

The payment was showing pending even a few days after so I filed a dispute on the pending charge, hopefully for it to escalate. I called Costco and they said the bank is holding the money. Called Citi bank and theyre saying Costco is holding. Theyre saying that its gon na take 30 days for it to come off or the transaction has to go through on the account. How will the payment go through if the order is cancelled and the vendor doesnt have the merchandise? I tried to see if there is any way to escalate by showing them ( citi bank ) proof of cancellation and they said no. 

Ive been on the phone for the last 2 hours back and forth. Now theyre holding XXXX dollars on my card which only has a XXXX credit limit. I cant afford to buy any XXXX presents. Now I have to wait 30 days for this. This is ridiculous.

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 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 formally writing this letter of complaint to you in regard to Transunion Credit Bureau. 

Transunion has violated FCRA rules and consistently failed to delete several inaccurate, unverifiable, adverse and erroneous accounts that they posted on my credit report. These inaccurate accounts are as follows : ( account # XXXX  ) in the amount of {$570.00} and ( account # XXXX  ) in the amount of {$570.00} Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also will enclose the lettered copies of my communication. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and & Section 611 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a consumer credit report. Ill enclose the copies of several letters ( with certified mailed receipts ) that I sent to Transunion in request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the adverse the accounts they continue to post on my credit report. I have suffered extensive grief and emotional distress due to Transunions failure to accurately verify these accounts, resulting in my inability to obtain credit. I have also advised Transunion that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

In the absence of such documentation ( an original Consumer Contract ) bearing my signature, I formally request Transunion immediately delete the aforementioned derogatory accounts from my credit report associated under my Social Security number. I will litigate if this request is not honored.

Note : This CFPB complaint is solely directed to Transunion Credit Bureau. 

Thank 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 2021-09-08
Company: AMERISAVE MORTGAGE CORPORATION
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XX/XX/2021, we began the mortgage application process with Amerisave. We were assured repeatedly ( we have the emails ) that our loan would be ready to close by XX/XX/XXXX. By XX/XX/XXXX, we were informed that all of our information was complete and that they were only waiting for the appraisal. 
We spoke to or emailed our loan originator EVERY DAY between XX/XX/XXXX and XX/XX/XXXX, the deadline under our XXXX & XXXX for a commitment letter. On the afternoon of XX/XX/XXXX, we were informed that we had a new loan originator and that he was " pushing '' to get our commitment letter. He said all of our information was complete and that we might still be able to close on XX/XX/XXXX. 

On XX/XX/XXXX, Amerisave began requesting additional documents, some of them duplicate requests that we had sent them weeks before. Nevertheless, we provided the documents and were told that " eveything is clear '' and that they were going to try to get us a closing date on XX/XX/XXXX. 

They repeated the process with additional requests on XX/XX/XXXX. Again we complied. Again our loan originator told us everything was " cleared, '' and that he was just waiting for final approval from the underwriter. 

Today, we received another request for a round of documents, half of which have already been submitted. We had angry phone calls with Amerisave and were, once again, assured that if we only complied, we would get a closing date. We complied, and they sent another request. We complied, and they will not commit to a closing date. 

We arranged to move our belongings into the new home in XXXX with an agreement with the sellers that would not allow us to stay at the house, only move our things in, provided that the closing would be Wednesday. 

Our children are staying with family, we are sleeping on the floor of my sister-in-law 's basement. All of our belongings are at a house we can not occupy, and the seller 's could cancel the sale at any moment. 

Our lawyer, XXXX XXXX, said in 35 years of practicing real estate law, this is the most outrageous behavior he has ever seen. 

Please help us.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief