BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In early XX/XX/XXXX I contacted XXXX XXXX, Wells Fargo Mortgage Representative to apply for a refinance cash out mortgage on a secondary property I owned with my best friend. I was buying out my best friend 's 50 % ownership of the property to become sole owner of the residence in XXXX, Delaware. The early activities relating to the refinance went well. The problems began at the time of settlement. The closing transaction that occurred on the original date had to be rescinded, because Wells Fargo failed to prepare completely and accurately the closing documents. When the transaction was rescinded, and no new deed provided, Wells Fargo tried to blame XXXX XXXX, Notary of the rescinded transaction and as a result his employer didn't want to pay him for his service. I had to write a letter on XXXX  's behalf to ensure he was paid. A second settlement was scheduled on XX/XX/XXXX at XXXX. Again, the mortgage documents were not prepared correctly. It took 3 additional edits of the closing documents in which XXXX XXXX, Delaware attorney had to hold Wells Fargo 's hand and guide them through the corrections before we could proceed with closing. A XXXX  closing now became a XXXX closing. I'm not sure if the fiasco with this refinance mortgage was caused by lack of oversight of the entire process by Wells Fargo, imcompetence, XXXX, or all of the above, but this transaction caused me and by best friend a lot of stress and anxiety that was unwarranted and unacceptable. It's a fiasco such as this and the treatment we received how we understand why this financial institution was fined XXXX XXXX dollars for unethical business practices. This botched transaction also caused a significant delay with the wire transfer and my ability to pay my best friend the 50 % investment as a result of the buy out.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$9700.00} Balance updated XXXX XXXX, XXXX Original balance {$8700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured Payment summary XXXX XXXX XXXX CO - XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - CO XXXX XXXX CO PAYMENT HISTORY LEGEND Status Account charged off. {$9700.00} written off. {$9700.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$9700.00} Original balance {$8700.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 84 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX  XXXX, GA XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

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 2022-05-16
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Sectign 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 2022-11-29
Company: Experian Information Solutions Inc.
State: CA
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 am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and result from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA Section 605b. In order to help prevent false information from being submitted to my report, I have included a few papers. 
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 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 2023-05-30
Company: ALLY FINANCIAL INC.
State: CA
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 been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX  XXXX XXXX XXXX Date of inquiry : XXXX/XXXX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 ALLY FINANCIAL Date of inquiry : XXXX/XXXX/2022

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 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX PULLED MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR CONSENT WHILE I WAS APPLYING FOR A VA MORTGAGE. 

HE ALSO LIED ABOUT THE INTEREST RATE. 

THIS DISPUTE IS ONLY FOR HIS IMPROPER USE AND COLLECTION OF MY CREDIT FILE. 

HE REQUESTED MY CREDIT FILE MANY TIMES WITHOUT MY CONSENT OR WITHOUT ME KNOWING.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have been trying to dispute these issues with no result. This is the letter I sent to the credit bureaus. I received a letter from your firm stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed via certified mail, I will file a complaint with the Federal Trade Commission against your company. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible.

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 2023-04-12
Company: Experian Information Solutions Inc.
State: MD
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 Account # XXXX Account # XXXX Account # XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. State 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 wriiten 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 2019-10-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was improperly charged egregious overdraft fees in the amount of {$210.00} overall from TD Bank. This started on XX/XX/XXXX when TD charged me a overdraft fee of {$70.00} when I had money reflecting in my available balance. This bank uses deceptive practices to maximize the amount of overdraft fees they can charge. TD bank blames their system for not accurately reporting the correct amount of balance available. This is false advertisement and unethical behavior for such business to practice. This violates my consumer protection laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I applied for a refinance with our existing mortgage company -- M & T Bank -- in XXXX of XXXX. We worked with mortgage lender Mr. XXXX XXXX who submitted our application for the refinance. We were told that the best interest rate we could obtain on the refinance was at 3.1 percent. We submitted all of the information requested by the bank for the refinance, and paid fees to obtain our credit reports and the appraisal. Since that time, we were told that the refinance loan was approved on XX/XX/XXXX, and that we would soon close on this loan. But, as of today, we have not closed on the refinance. I have sent numerous e-mails on this mater and also asked if we could obtain a lower interest rate because we were told that the have gone down between 2.5 to 2.75 percent. Overall, M & T bank does not respond to our questions on the status of closing or whether we could obtain a lower interest rate on the loan. I talked to Mr. XXXX the last time on Wednesday, XX/XX/XXXX, but he could not tell me when the closing would occur. As I have explained to M & T Bank representatives it does not and should not take over 6 -7 months to close on a refinance. Especially when this is our current mortgage company and we have an excellent payment history with this bank.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 non-monetary relief
Consumer complaint received 2023-05-30
Company: DISCOVER BANK
State: PA
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 XX/XX/XXXX my discover card was charged XXXX dollars by XXXX. Estimated delivery was for XXXX. I ordered 2 scooters, 2 mirrors,2 cell phone holders and 2 bags. In XXXX I initiated a dispute because I could not reach the seller about the delay. I received 2 cellphone holders valued at XXXX dollars. I received nothing else. Was contacted in XXXX by discover saying that they closed the case and considered it a valid charge. I finally got a response from seller stating that I am no longer on the delivery list because I disputed the charge and to contact my bank if I am confused about the refund. I sent this information to discover and it been two weeks and have not got a response. I used this card to protect myself in case of a bad purchase. I did not receive my items and discover has not resolved my problem. XXXX is denying responsibility and the seller had admitted I am off the list for delivery. I am requesting that discover reverse the charge. All documents supporting this have been sent to discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Experian Information Solutions Inc.
State: MO
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 should not have XXXX  or the 2 XXXX  XXXX accounts on my 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 non-monetary relief
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There is a collection showing on my credit report that does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-10
Company: Experian Information Solutions Inc.
State: AR
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 a victim of identity theft. I am very upset that my personal information was used without my consent or knowledge. I have requested in writing to the credit bureaus that they remove these unauthorized inquiries.

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 2018-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
In XX/XX/XXXX, I bought a new car from XXXX XXXX in XXXX. On XX/XX/XXXX, I found out the dealer falsified my interest rate, corruptly increasing my preapproved rate of 0.09 % on my XXXX, XXXX credit scores, without my consent, justification, or authorization to 6.65 % over what was approved to be by CapitalOne Auto Finance, at 0.9 %. That low rate was advertised on TV in the Washington, DC area. 

In further review and speaking with CapitalOne Bank 's local CSR and Mgr., it was confirmed that by XXXX XXXX increasing by fraud, my interest rate, their criminally inflated processing fee of {$700.00}, while also fraudulently including the {$800.00} GAP and {$4000.00} Warranty, exceeded my approval for a different car CapitalOne was ap approving at {$39000.00}, not {$45000.00} at payments of {$450.00} instead of {$760.00}. 

Since XX/XX/XXXX, CapitalOne Auto Finance has repeatedly made excuses why it will not correct by refinancing my discovered illegally made RISC ; And CapitalOne has also ignored XXXX XXXX 's TILA and FCRA, consumer fraud It, CapitalOne Auto Finance knew, was [ made ] aware of, and both XXXX XXXX and CapitalOne had, thereafter, engaged in a criminal scheme to perpetrate against a consumer, consumer fraud conspiracy under Federal and State 's criminal Statutes and Codes, Laws, making it a crime for a bank to know of TILA, FCRA, contract frauds as demonstrated and shown by the facts and documented evidence. ( See. FTC v. Auto Dealer 's FRAUDS, XX/XX/XXXX ). 

According tto CapitalOne Auto Finance, their attorneys ordered and directed XXXX XXXX to cancel the first contract and rewrite the new contract with the removed illegal charges, interest rate and with the correct total of the loan not to exceed {$39000.00}, their maximum new car loan amount being {$40000.00}. 

Can your firm help me to have TILA and dealer fraud and consumer fraud criminal charges instituted against XXXX XXXX, its business manager, and owners who repeatedly have ignored CapitalOne Auto Finance 's directives to cancel and rewrite and that has since cost me more than {$4000.00} in excessive car payments, interest charges, and other charges that was incurred to keep my XXXX, excellent credit score. 

Thank you. 

Respectfully yours XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent letter requesting verification to this company more than 6 months ago. Advised company this debt does not belong to me and to cease and desist reporting this negatively on my consumer finance reports and the companies continue to report the debt as negative on my reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: Resurgent Capital Services L.P.
State: TX
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 do not have a contract nor any contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for collect from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt from LVNV FUNDING LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/23, I disputed an account that was reported to credit bureaus by furnisher, Phoenix Financial Services. In this dispute, I informed the furnisher that the debt was not valid and I had no obligation to pay it. I asked the furnisher to provide me with an iota of evidence from the original creditor showing that I was responsible for this debt. I also asked that furnisher provide me with address of original creditor. 

Under 12 C.F.R. 1022.43, in the event consumer makes a direct dispute with the furnisher, furnisher must conduct a reasonable investigation of a direct dispute if it relates to [ t ] he consumer 's liability for a credit account or other debt with the furnisher. 

Phoenix Financial Services failed to conduct a reasonable investigation and never provided me with any documentation from the original creditor showing that I was responsible for this debt or that I had signed anything or made any agreement to be responsible for this alleged debt. Phoenix Financial Services refused to delete this debt from my credit report and continues to report it as a " collection account. '' They also failed to provide me with he address of the original creditor.

Company response to consumer: Closed with explanation