BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
At the beginning of the pandemic, Wells Fargo sent out letters asking if I wanted to take advantage of the forbearance that was in place for customers due to the pandemic. I ignored the letters because I've had poor customer service with Wells Fargo and didn't feel like going through anything that may harm me in the future. With my luck, it usually does. In May more letters were sent out, at that time my household income decreased and my job was shaky so I decided to ask how it worked. The customer service rep I spoke with, assured me that the forbearance would not affect me in any way and that I would not be asked to pay a lump sum once the forbearance was over. She further advised that the balance would go to the back of the loan and wouldn't pay it until I sold the property. With that, I hesitantly accepted the forbearance. After three months WF apparently automatically extended the forbearance without my knowledge. I was a little worried, but I ignored it. I got another call again in XXXX asking if I wanted to extend longer, by then I started paying again. I thought I was out of the forbearance since I started paying again. In XXXX when I tried to refinance my home with another lender, I found out I was still in forbearance. Because of the misinformation and misunderstanding, I wasn't able to take advantage of the low-interest rates being offered. 

I contacted Wells Fargo to find out what my options are at this point and they asked me some questions and sent me an application apparently for a remodification. I called again today XX/XX/XXXX and spoke to 4 different people to find out what my options are for refinancing and each one asked me to tell the same story 4 different times. The last rep tried to help but she obviously did not have the information I needed and tried her best not to do another cold transfer again. I was on hold for about an hour, while she tried to get me the info. She came back with nothing. She then put me on hold and tried to connect me with yet another person, and it seems she hang the call up instead of transferring it. I waited to see if someone would call me back but they didn't. This also affects my chances of buying a new home. 

Oh and by the way, shortly after I took the forbearance they offered, I got a letter saying I was late on my mortgage and my chances of refinancing with them would be affected if I didn't bring my loan current soon. Go figure. 

Customer service really needs to be addressed here.

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 2019-07-02
Company: TCF NATIONAL BANK
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a copy of my credit report and noticed the company gateway one lending is not updating the balance on my credit report the company is not reporting my payments the balance on the account is still showing high and I have been making my payment please look into this company I think they are not reporting that my balance is decreasing so that other car lender won't finance me I dont think its right I have been making my payments and they are not reporting them to the credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: FL
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX XXXX Balance Owed : {$28000.00}

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 2020-08-10
Company: Experian Information Solutions Inc.
State: OH
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 checked my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit 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 explanation
Consumer complaint received 2020-08-09
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was basically scammed into buy a XXXX XXXX XXXX XXXX for {$10000.00}. 

The dealer, XXXX XXXX XXXX told me initially offered me a really nice XXXX, and then told me the grand am was all I could get. My partner had just passed his family took the car we just bought and I had to get my XXXX to school. They told me they'd accept {$1000.00} down but to not mention this to the creditor. I agreed to pay {$6000.00} for a {$2000.00} car because I was desperate. The windows immediately stopped working. Then the wheel bearings and tie rods went. I tried to use the lemon law, but the car was too old. I was forced to open a XXXX XXXX credit card and max it out. The loan ended up being {$10000.00}. I was unable to afford daycare to continue working. The car was stolen and destroyed. XXXX didnt cover the repair. I ended up losing our home. I tried to get it fixed through XXXX XXXX XXXX XXXX and put {$200.00} down. The car was not worth the repair, so I agreed to allow Credit Acceptance to repossess and I was told they only got {$150.00} for the car which went toward my balance. This was 4 years ago. Suddenly they are reporting recent missed payments which took my credit score down 130 points making it XXXX. They have claimed it was charged off 28 times. This company has multiple complaints against them but nothing is done and it is not right. I do not have the car. I cant refinance the loan. I cant afford the payments they want, and I shouldn't have to pay a penny more for this scam than I already have. I need a vehicle. I am a widow and a XXXX. I need someone to help me get this off my report so I cant get a reliable vehicle and get on with my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting inaccurate information about a loan that was settled. The amount they are reporting is incorrect, they seem to have different information reported with the credit bureaus. 

I am attempted to dispute this with XXXX, XXXX, and Experian but have not been successful with getting this concern corrected. 

The credit bureaus are doing incomplete investigations and just going off of what XXXX is sending them.

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 2023-11-06
Company: JPMORGAN CHASE & CO.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened a Chase Bank " United Quest Card '' in early XXXX. Shortly after, Chase claims to have sent me 2 letters in the mail requesting my authorization to verify my social security number. I never received 1 of them and the other I got when I returned home from overseas. I responded to the letter by having a branch manager fax the signed letter. Shortly after I got another letter explaining that the Quest Card was closed, since Chase had not had any response from me. Chase claims to have never received anything from me and proceeded in closing all of my personal Chase Credit cards. Then, I mailed them a second copy of the letter. I followed up with Chase and they claim to have never received that letter as well. Chase then told me these credit cards are closed and no longer eligible for dispute. Then, I decided to apply for " new credit cards '' the Chase credit cards they had closed. 
Through this process Chase requested my credit report through the bureaus on : XXXX XXXX XXXX XXXX Chase should have contacted me directly, communicated with me and instead kept requesting credit reports only to deny the replacement cards. These requests, for reports, have now been a hinderance in me getting replacement cards from other banks. I have been a Chase customer for well over 20 years and have an excellent credit score of XXXX. The only reasons Chase gives me is that it is their " policy '' and further push the blame to the " government rules '' they need to abide by.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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: Was not notified of investigation status or results

Complaint:
I contacted Trasn union and XXXX  and XXXX regarding some charge offs and Bankruptcy on my credit report on XXXX. XXXX, and to this date XX/XX/XXXX, i have NOT RECEIVED ANY REPORTS OR ANSWERS TO MY DISPUTES. The 2 bureaus have not responded at all. this is a violation of the FCRA. XXXX is the only one who removed the inaccurate information. the reporting of this is also untrue. 
the date of last activity, date of last payment and payment is all wrong Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 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.

This Medical debt has been satisfied. Also I never owned this debt. This is under XXXX $ also so it should not still be being reported onto my consumer report. 
This reinvestigation has be more than 60days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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: Was not notified of investigation status or results

Complaint:
I sent a letter to equifax, XXXX, and XXXX  in reference to incorrect information being reported on my report. I have not gotten a response from equifax or XXXX. XXXX responded back and refused to reinvestigate the incorrect information in my report. I have sent method of verification letters to them as well as factual dispute letters. Furthermore they have failed to respond in the appropriate allocated to them under the FCRA. They have also failed to provide me with how they verified an alleged charge off when requested or investigate my disputes which is a direct violation of the FCRA. It is the bureaus responsibility to report accurate info at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the fair credit reporting act everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if the open date is ina accurate, the date last active is inaccurate and the date last reported is inaccurate. The grounds for removal they also violated my right under. 

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

15 U. S. C. 1681 section 604 a section 2 ; it states a consumer reporting agency can not furnish my account without written instructions. 


Also the credit bureau took more than 30 days to complete my investigation here is my certified mail tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have previously disputed the bankruptcy with all three credit bureaus and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response was they do not report to the credit bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I arranged my monthly balance payment for my Sam 's Credit Card in XX/XX/2023 and the payment never processed on their end and they never notified me until I couldn't use the card to pay for a merchant. 
I contacted me and told me it was still processing. The card was charged a late fee. I was told it processed and now they are telling me it was scheduled until XXXX even though I submitted it twice. I can not make payments through their system or their customer service.

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 2023-11-16
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a beneficiary on a traditional IRA at First Citizens bank. The name they have listed for me as beneficiary is under an old name of mine ( it was my legal name at the time, but since then I have changed my legal first and last names. I have already provided First Citizens the name change documentation ). The person holding the IRA has died and I therefore I set up an inherited IRA with XXXXXXXX XXXX to have the funds transferred into. I completed the paperwork with XXXXXXXX XXXX  and XXXX sent them to First Citizens, then First Citizens rejected the request stating the name of the beneficiary does not match the name the check is to be written to ( and of course I had already explained to them about my name change ). On XX/XX/23 I received andemail stating that the only way they will issue the check in my current legal name is for XXXX to add the wording " formally known as ( my former name ) after my current legal name ''. I have spoken with supervisors at XXXXXXXX XXXX  and was told XXXX is unable to do this and that First Citizens has the legal responsibility to look at the name change documents I have provided them and issue the check in my current name. In addition, First Citizens needs to send that check directly to XXXX XXXX and follow the other instructions, so that it goes directly from IRA to IRA and is not treated as distribution. There is not a First Citizens branch near me ( the closest is about 2 and 1/2 hours each way and it is not clear that even if I drive there they will honor this ). I just need First Citizens to use the name change documents I have provided, I also have other things in previous name if that would help. Then issue the check as directed by XXXX XXXX. Please help! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: HILLTOP HOLDINGS, INC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was never notified by my lender the credit scores or the important factors affecting my credit scores that the consumer reporting agency distributed to them in connection with my home loan until two days ( XX/XX/2020 ) before my original closing date ( XX/XX/2020 ) by my loan officer. He stated that if my credit score was a little better then I would have been able to get a 2.9 % interest rate instead of the 3.125 % that I was currently offered ( costing me roughly {$30000.00} more over the course of the loan ). When I asked him what the score was that he was using to qualify me for my loan it was 100 points lower then what I thought it was. 

The key ( only ) factor affecting my credit score was an invalid collections claim on my account that I thought was removed in XX/XX/2020. My loan officer never told me my score, that I had a collections on my account or asked me if the collections claim was valid. 

After finding out this information, I called the collections agency and they removed the claim from my account roughly a week and a half later ( XX/XX/2020 ). 

When I inquired why my score and the collections impacting my score was not disclosed to me the loan officer, project manager, and regional VP all told me that it was not discussed with me since my score was what they considered to be " good ''. The project manager went on to say if my score was a little lower they would have disclosed this information to me. His justification for this was that they are not in the business of being " credit counselors '', they are just there to give people loans. Basically, they decided for me what was a " good enough '' score without giving me the opportunity to decided for myself. 

The regional VP did say he was " very surprised '' that my loan officer did not disclose the information to me but was unwilling to compensate me for this mistake because they currently were not making enough money on my loan as is. 

I was giving the option to have my credit re-pulled but was told that it may actually result in a higher interest rate if interest rates have increased from my current 3.125 % interest rate or the 2.9 % that I was told I would've qualified for ( the lending company does not publicly disclose their interest rates ) and that they may not be able to close my loan on time if I had my credit re-pulled which would result in me losing the house. So this was not a viable option for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Dynamic Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently, I received a copy of my credit report and found several inaccurate information and fraudulent accounts on my credit report that were not opened by me ( See attached FTC Report ). I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I communicated with the alleged debtors and requested proof of claim and to validate the debt within 30 days ( See attached Debt Validation Letter ), and so such debt was validated.. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, a line of credit or for to procure goods and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding unknown and inaccurate items listed on my credit report. To date more than 120 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 120 days or more since my last request and no response. These items should be promptly deleted from my credit report. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.

Company response to consumer: Closed with explanation