BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX XXXX  XXXX XXXX sold my home equity line  loan to XXXX XXXX XXXX. 

I made my XX/XX/XXXX payment to XXXX XXXX XXXX although Specialized Loan Servicing ( " SLS '' ) had started covering the loan. ( Copy of payment confirmation of {$38.00} attached from XXXX XXXX  attached. ) On XX/XX/XXXX received Mortgage Statement from SLS showing payment amount due of {$76.00}. On XX/XX/XXXX payment made to SLS in the amount {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX XXXX  attached. ) On XX/XX/XXXX, received Mortgage Statement from SLS showing payment amount due of {$38.00}. On XX/XX/XXXX payment made to SLS in the amount of {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX XXXX  attached. ) On XX/XX/XXXX, received Mortgage Statement from SLS showing payment amount due of {$28.00}. On XX/XX/XXXX payment made to SLS in the amount of {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX Bank attached. ) On XX/XX/XXXX, received Mortgage Statement from SLS showing payment amount due of {$66.00}. On XX/XX/XXXX payment made to SLS in the amount of {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX XXXX  attached. ) On XX/XX/XXXX, received Mortgage XXXX from SLS showing payment amount due of {$56.00}. On XX/XX/XXXX payment made to SLS in the amount of {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX XXXX   attached. ) Received on XX/XX/XXXX Mortgage Statement from SLS showing payment due for XX/XX/XXXX {$46.00}. 

In each statement received from SLS shows the monthly payment due is {$38.00}. Each statement does not show the additional {$10.00} going towards the principal. 

I have contacted SLS customer service at least three times in regards to these errors and they have told me they were changing their software to reflect the correct information. I contacted them today and they told me that I my next payment would not be due until XX/XX/XXXX. However when I went on line to check payment activities on my account none of my {$48.00} payment are shown, in fact, the payment due on XX/XX/XXXX shows a past due amount of {$36.00} with the total amount due of {$74.00} which includes my monthly payment of {$38.00}. 

I am very frustrated, how do I know if the correct amount of interest paid to SLS will be correct for my Federal Income tax return.

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 2023-06-19
Company: GOLDMAN SACHS BANK USA
State: NY
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:
Goldman Sachs bank did not resolve the issue on a charge that happened in XX/XX/2023 for the amount of XXXX. I reported as fraud the first time and did not get it resolve the first time. Then re opened the case and was not solved either. After a third atrempt the bank is asking me the consumer to contact the merchant and ask them for prove or receipt of the purchase. This is unheard of Ive never seen a bank telling the customer to call a merchant to ask them for prove of purchases. Goldman Sachs as the bank needs to do all this. I dont know anything about the merchant or who the merchant is to be calling and asking for information on a fraudulent transaction. The charge stayed permanent on my account which is unfair since i did not made this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 from 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 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 non-monetary relief
Consumer complaint received 2021-08-16
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Disputed information submitted has not been updated, credit card account is still showing incorrect information, someone is falsely stating incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had XXXXXXXX XXXX prior to Wellsfargo and always received my paycheck 2 days early because of direct deposits. Since opening and using Wellsfargo my direct deposits no longer come in 2 days early and the bank also lied to me that nothing was sent. My employer, XXXX always transmit direct deposits every other Wednesday in the morning and clear in accounts by no later than XXXX. I also received confirmation of the transmission. Yet Wellsfargo keeps lying to me and saying nothing was sent. I truly believe they are holding my direct deposit as a means of gaining interest on the money and I am filing this formal complaint against WELLSFARGO 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 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company saying that I have debt of {$210.00} that I am have no knowledge of. According to FCRA section 609 ( a ) ( 1 ) ( A ) you are required t by federal law - through the physical verification of the original signed consumer contract any and all accounts you post on a 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 2023-05-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company has refused to honor my requests and properly investigate my disputes citing on numerous occasions that " A credit repair company was used to issue disputes '' when in fact I mailed these disputes myself. I've sent in an updated police report, FTC reports as well as numerous requests to resolve my issue all to my dismay.

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 2023-04-07
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX/ Barclays card services/ they have destroyed my credit/ and added collection to my credit account/ {$2500.00} dates XX/XX/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 2022-04-20
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX this company was reported 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 2023-03-04
Company: EQUIFAX, INC.
State: ME
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 reviewed my Consumer Reports and noticed that I had Four late payments on my XXXX XXXXXXXX account Dated XXXX with the account number XXXX that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for my XXXX XXXX account. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand that these payments be updated to on time as they should be, as I was never late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In XXXX I attempted multiple times to make a payment on my student loans in order to pay off the interest before the grace period came to an end and the interest would be capitalized. I had many problems making the payments and would receive notification that my transaction would be completed within 2 buisiness days. 3 or more days later, without any notification, that the transaction had been cancelled. It had even disappeared from my Nelnet website accounts history. I attmeped to make the payment again, as this is a time senstive subject matter, as well as sent an email asking for help in Nelnets online cutomer service. The transaction was once again cancelled with no notification and deleted from my history, no email, nothing. After waiting two weeks, more than the alloted time that was said that they would respond to me ( 2-5 business days ), I still received no response from Nelnet. I logged into my account and attemped the payment again and sent another email via their customer service link, while logged into my account ( in this case I am clearly identifiable ) and the same events took place. No returned emails, no contact whatsover, and a mysteriously cancelled payment that once again did not appear on their website. This is extremely deceptive as it is in Nelnets favor to ignore my attempted payments, as they could charge a fee for a late payment or in my case they could have benefited from captalized interest. Thankfully after many days and numerous attempts I was able to make a successful payment before the end of my grace period but I am still extremely concerned as it has now been 3 months and I have not received any type of response from Nelnet. I know that my email address is correct on my account as I still receive automated emails from Nelnet about my statements but this is an urgent issue that could cost me and others money from deceptive tactics, especially young adults like myself who are just starting out in terms of banking and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: SC
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:
Under the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and the HIPPA Privacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( only reported to XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX only reported to XXXX ), and XXXX XXXX XXXX XXXX reported to ( XXXX & Equifax ) has violated my rights XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/, I same-day domestic wire transferred {$26000.00} from my XXXX XXXX XXXX XXXX XXXX ) Business Account ending in XXXX to Wells Fargo Bank ( WFB ) for beneficiary/account holder of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. According to XXXX, WFB accepted the wire on XX/XX/. However, the following week, my vendor XXXX still had not received funds into their account. When she called WFB, they told her that they were awaiting additional information from XXXX. I called XXXX and they told me that they sent the additional information. Still, the funds sat unreleased for a couple of weeks. On XX/XX/, funds had still not been released to the beneficiary and I initiated the wire recall to my bank of XXXX. I was told that WFB could take up to 24-48 hours to acknowledge the recall and from there, it would be unknown when my account at XXXX would again see my money returned into my account. Today, XX/XX/, I called XXXX to inquire the status and they told me that WFB has not yet acknowledged the recall and they do not have the ability to take funds back from them. My complaint is that WFB is illegally holding funds that do not belong to them, not informing their account holder or BofA of the status or informational needs to release funds and I believe that WFB is in violation of Federal Banking laws and consumer protection rights. I want either the funds to be returned to my BofA account immediately or released to the beneficiary that I originally intended.

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 2023-06-20
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Walgreens advertises on their website that you cans see if you pre-qualify for their credit card with no impact to your credit report. That is not true and when I tried to check to see if prequalified and for how much it took me through all the regular prompts and it put a hard inquiry on my credit report. I contacted them to let them know about this and they did not care and are refusing to make this right and remove the hard inquiry. I feel like I scammed by their false advertising ploy to get me to sign up for a credit card.

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 2021-07-23
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
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:
My mortgage payments were showing up as not posted after I had paid them starting in XXXX, 2021. I called and inquired about it and was told everything was fixed and to continue making my payments in full on the XXXX of each month. I received correspondence in XXXX saying I was 2 months behind on payments. I again called the company and was told to disregard the letter because it was taking them longer to post things due to COVID. I saw my FICO score declining and missing payments stacking up to total 4 months of missing payments reported to the credit agencies even though I had proof of them coming out of my checking account. I spoke in person with the manager of Mountain America Credit Union XXXX XXXX Utah branch, XXXX XXXX, on XX/XX/2021 and was told he would contact the mortgage company they were working through and fix the problem. After considerable effort on my part, they agreed to correct the problem and provided me with a letter from Mountain America saying the reinstatement request had been mailed on XX/XX/2021. There was no evidence of who the letter was mailed to, or what it stated, and I was never given a copy of the request even though I asked for it multiple times. I have attempted to confirm with the 3 principal credit bureaus that they received the request and none of them can confirm. Consequently, my credit has been harmed to my financial detriment. I am currently trying to refinance my house and we are having a lot of difficulty with that and I am not able to get the discounted rates that would be available if my credit was not harmed like it is. I respectfully request that CFPB demand prompt action by Mountain America Credit Union so my credit score can be repaired and corrected before my new loan closes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Zions Debt Holdings
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, I was informed that there was a change to my credit report via XXXX email notification. 

I called the company number displayed on the information given to me by XXXX but, had no luck getting through to the company. Company information is : Zions Debt Holdings LL Address : XXXX XXXX XXXX XXXX, XXXX, UT XXXX Phone : ( XXXX ) XXXX Balance : {$3200.00} I have no clue where this balance came from, or why it was sent to collections under my name. I am closely watching my credit report as I am looking to purchase a home and have no idea where this debt came from or why. 

I believe i may be a victim of fraud.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022, I opened a self-directed trading brokerage account with Axos Bank XXXX I signed up with a promotion whereby I would receive {$200.00} if I deposit {$2000.00} within 60 days, maintain that balance for at least 90 days, and conduct two trades of min. {$25.00} each. I deposited the $ XXXX funds in XXXX and held it more than 90 days. I also conducted two trades of at least {$25.00} back in XXXX. I contacted Axos several weeks ago via phone, and they said they would post the {$200.00} within the next few days, but they never did. Please post the {$200.00} bonus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: SC
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 disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief