BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bait and switch tactic being used at Wells Fargo Bank. 

Offering a product then steering you to a more costly product

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 2022-08-07
Company: Lendmark Financial Services
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Identification of status to company LENDMARK FINANCIAL SERVICES cooperate office with billing errors with IRS pub. U.S.C. and UCC commerce and trade understanding with honor on UCC and was rejected and negotiable instruments with stipulations was deposited TITLE 15 USC 1611 TITLE 15 USC 1605 TITLE 16 CFR 433.1C 433.2 433.3 TITLE 12 USC 1431 12 USC 411 18 USC 8 HJR 192 73-10 ( CHAP 48.48 ) UCC 3 -603 306 311 501 502 104

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited XXXX checks a month ago into Regions bank. XXXX check was from a car delearship for {$400.00} and the other was from XXXX XXXX XXXXXXXX for {$0.00}. The {$0.00} check was returned on my account because I had not noticed it was expired. So the bank decided to close my account. The {$400.00} check went through with no trouble yet they are still refusing to give me my money. It has been one month since I have not had access to these funds. I have asked repeatedly for them to send me the balance in my account like they said they would weeks ago. I do not have specific dates because they also locked me out of my online banking feature.

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 2022-12-21
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I submitted a letter correcting personal information and also disputing errors with the following accounts. NOTHING WAS DONE THEY DIDN'T EVEN INFORM ME THAT THESE WERE BEING DISPUTED WHICH IS ANOTHER VIOLATON They are violating the following Consumer Rights Laws : 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.

15 USC 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-1 ( a ) ( 1 ) ( A ) - 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. 

Accounts : 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 2023-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The credit Bureaus are unlawfully reporting unauthorized inquiries on my consumer report! I have sent numerous letters asking them to remove the hard inquiries listed below along with the dates when they were reported : XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CAPITAL ONE AUTO FINANCE XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DBA XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Delta Management Associates, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The responses by Delta Management Associates to complaints filed on the CFPB website do not match the responses given by XXXX XXXX ( XXXX XXXX ) during a recorded phone conversation made by both parties on XX/XX/2020. 

Ms XXXX said the XX/XX/2020, garnishment would be refunded per the CARES Act. This information differs from the statement made by Delta Management to my CFPB complaints XXXX, XXXX, and XXXX. 

Delta Management has previously stated in response to my complaints that the wage garnishment on XX/XX/2020, would not be refunded. However, Ms XXXX stated during our phone call that the information provided by Delta in the complaint was incorrect. 

Ms XXXX stated the wage garnishment on XX/XX/2020, would be refunded. Which answer is correct? The answer provided by Ms XXXX or the XXXX who responds to the complaints? 

Delta Management claims to have sent a letter to my employer on XX/XX/2020, but my employer has not yet received the letter as of XX/XX/2020. Delta Management is unable to provide proof of delivery. Delta faxed and emailed the letter only after a complaint was filed. 

Furthermore, in regards to my garnishment appeal via XXXX, Ms XXXX stated that my garnishment should have been reduced to {$5.00} per pay period, since XXXX had found my financial situation qualified for the lower monthly garnishment. 

Ms XXXX comment confirms my previous complaint that XXXX and Delta do not take financial status into consideration and only use the maximum 15 % allowed under the law. 

In addition, Delta Management did not inform me that I had to contact them to request the wage garnishment freeze nor did they make mention of this in previous complain responses. This differs from information provided by Ms XXXX. 

Information provided by Delta Management in their complaint responses is not congruent with the information provided by Ms 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 2020-06-02
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX we received a letter from Transworld Systems Inc. regarding medical services that we provided on XX/XX/XXXX. Transworld Systems illegally accessed HIPAA informations and collection data from one of their affiliates to resurrect a new claim ( this is now called Parasitic Debt Collection ). This fabricated claim is clearly attempted fraud by Transworld Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When Covid hit back in 2020 we were not able to afford our mortgage and we were put into forbearance with Wells Fargo. After two years they reached out asking if we were able to make payments again to which I said yes. It was then that they suggested that I apply for loan modification as it could put me in a better position with monthly payments and get me back on track. I agreed and begin the application process with them. After four different attempts with them, they kept restarting the process because they would lose documents and say that they didnt have enough information and make me start the process over again. This went on for about a year and Ive still been trying to get into a loan modification, and now they are telling me that I am denied because my loan is too far in default that the payments would be too high. The only reason that the payments would be too high is because theyve had me trapped in this loan modification application process for a year while offering me no other alternative to resolve the matter. Now they are telling me my only option is a short sale when from the beginning I was never trying to go that route. I was trying to work this out with them for over a year and have hundreds of documented conversations and emails with them about this. They are now telling me I either need to pay {$71000.00} or short sale my home. None of those are options I wanted or planned for or have been working with them diligently for a year. Please help stop this madness with Wells Fargo and allowing them to take advantage and do this to people, and leave them in bad positions.

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 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Whenever I apply for credit and I get denied the reason for denial comes up as Serious Deliquency on all of my credit reports. I have been current on all of my accounts and have never been delinquent. This has been an ongoing issue for many years.

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 2023-06-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This consumer reporting agency has intentionally locked me out of my consumer report. I am attempting to view my consumer report and not being allowed to access the report. I reached out to the the company and the agents were being rude, disrespectful, abusive and tried to charge me to access my own information. I am very frustrated, annoyed and confused as to why this consumer reporting agency conducts itself in such an inequitable manner. I am demanding that I receive my complete consumer report by mail and am allowed to access my consumer report online immediately as I have attempted a consumer credit transaction and was told that I had been denied due to adverse information contained in the consumer report from this consumer reporting agency. When

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 2023-03-01
Company: Atlanticus Services Corporation
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello I need help with disputing XXXX credit card company I have been trying to get help on charges that are placed on my account that are not true and Im getting heavily fined for the amount of XXXX every month in late fees also interest purchase fees and regular interest fees as well also account maintenance fees every month thats additional to the regular amount thats due Im not late on the bill I found out they gave me late charges because of me not paying my bill on the XXXX of each month Instead I was paying it too early on the XXXX or XXXX of each month so therefore I got charged every month since I opened the account and thats why I could never pay it down please help me or point me in the right direction I called several times last month and now Im in this month with no help I talk with several representatives on XXXX and a supervisor who told me they would go sheet And waive the late fee for XXXX not today on XXXX XXXX at XXXX Im being told no they cant do it I was told that in XXXX if I go ahead and pay the minimum of XXXX then I wouldnt have to pay XXXX late fee if XXXX not that has changed I will never post this card off because they keep hitting me with all the hidden fees and scam charges in fees, interest Etc I also got hit with the over the limit fee because my fee and interest fees keep making my account go over the limit when Im not my credit line is XXXX with my current balance is XXXX and credit limit as of yesterday was XXXX but today XX/XX/XXXX it has miraculously changed to XXXX so they basically got me paying outlandish fees month and I havent used the card for purchase since XXXX of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-23
Company: Experian Information Solutions Inc.
State: NC
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 always check my credit but today i check it and they post a collection on my credit credit i know i haven't been to any doctor and i ask for all supporting documentation but never receive anything from any creditors so can you please have them to send all letters to me about these accounts.XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 paid off my full credit card balance of {$6800.00} on XX/XX/2023. After the payment was cleared, I then called XXXX to close my credit card on XX/XX/2023. The XXXX agent closed my credit card and let me know there were no charges left on my credit card. Without any sort of communication, XXXX charged an interest charge of {$25.00} on XX/XX/2023, 12 business days after my credit card was closed. XXXX never sent me any sort of communication or email stating the new balance was due. Two months went by and XXXX then charges me a late payment and then reported the unauthorized late payment to my credit bureaus. My credit score has now decreased from XXXX to low XXXX 's because of XXXX 's failures. I have reached out to XXXX multiple times and XXXX agents are unwilling to reverse their credit reporting error. XXXX is standing by their reporting stating their XXXX statement shows an interest charge of {$25.00} but the disconnect is that XXXX charged their fees 12 business days after I closed my account. Also, no communications were given to me to give me the chance to either dispute or pay the erroneous interest charge. 
Please help to look into XXXX 's fraudulent behaviors and help to reverse their credit reporting error.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2022-11-03
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of responsibilities and noticed a few accounts that need more clarity. I am not 100 % sure if they are accurate. I also read something called the Fair credit reporting Act where by law I have a right to challenge anything I am not sure is accurate. Some people are reporting things on me that dont seem accurate. 

Are you familiar with something called 15 Usc Sec 1681a? I heard that if you cant provide proof, these accounts need to be deleted immediately! Well I want these accounts deleted if they are not 100 % right and correct. So you have up to 30 days to complete this investigation, which was confirmed by a lawyer. Please investigate the following accounts and remove them if the information is not correct! 
My student loans are not consistently the same information across the 3 credit bureaus. So i am confused as to why the dates arent the same because per law, these pieces of information have to match identically with the 3 creditors. 

Also any type of credit transactions whether its finance, leases, loans, purchases have to be cash in hand. I never received any type of compensation for those loans. 
Per 15 U.S. Code 1679, these transactions were never done which is a violation. 

Also XXXX was sold to a different company and bought out and i was never sent any documentation on what I owe or moving forward

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX who said he was working for PnC which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XXXX occassions when I tried to use the card to pay for a purchase, the card was declined. I have now called the card issuer 3 times. When I enter the card number into their automated system, the message I get is that the card number is invalid. 

I have spoken to a card issuer rep on XXXX separate occasions. Either I get placed on hold and no one ever comes on the line, or I get disconnected after explaining my situation. I am courteous and respectiful, so I don't know what to think.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: OneMain Finance Corporation
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:
I was alerted via text by a company called One Main Financial, the {$6000.00} personal loan papers were ready to sign. This happened on XX/XX/2023. I called the XXXX, CA branch and paid them a personally visit. I was told that the person I spoke to on the phone XXXX was not there. Just a young lady was at a desk behind a stack of papers. I asked her for the loan documents that were in my name and gave her my driver 's license to verify me. She refused. Said to call a number in Texas. I tried many times trying to get a hold of a XXXX without any satisfaction. This is part of a fraud series of events and is among one of 43 inquires for credit or loans by this fraudulent individual. I do not know the status of this loan but they at One Main Financial said that it originated on-line request with XXXX XXXX. I have made no dealings with XXXX XXXX or One Main Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: IL
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:
To whom it may concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of responsibilities and noticed a few accounts that need more clarity. I am not 100 % sure if they are accurate. I also read something called the Fair credit reporting Act where by law I have a right to challenge anything I am not sure is accurate. Some people are reporting things on me that dont seem accurate. 

Are you familiar with something called 15 Usc Sec 1681a? I heard that if you cant provide proof, these accounts need to be deleted immediately! Well I want these accounts deleted if they are not 100 % right and correct. So you have up to 30 days to complete this investigation, which was confirmed by a lawyer. Please investigate the following accounts and remove them if the information is not correct! 
My student loans are not consistently the same information across the 3 credit bureaus. So i am confused as to why the dates arent the same because per law, these pieces of information have to match identically with the 3 creditors. 

Also any type of credit transactions whether its finance, leases, loans, purchases have to be cash in hand. I never received any type of compensation for those loans. 
Per 15 U.S. Code 1679, these transactions were never done which is a violation. 

Also XXXX was sold to a different company and bought out and i was never sent any documentation on what I owe or moving forward

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