BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX XXXX  I have noticed unknown charges on my account on a card which I havent used or activated. 

The first charge was 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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-12-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I hired an attorney, XXXX XXXX, to help me take care of the foreclosure in court & to dispute the mortgage. When the court date came, I was unaware of it because he never stayed on top of it and I lost my house as a result of not showing up by default. Wells Fargo was the bank processing the foreclosure at the time.

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 2020-03-11
Company: Prime Choice Funding Inc.
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Predatory Lending and an absolutely horrendous company to deal with. " Senior Loan Officer '' XXXX XXXX misled us with bait and switch tactics to get us to refinance with them ; he was given all our information for taxes and insurance and quoted us a payment based on the actual numbers. A few months into our refinance, our Escrow was over drafted. When we inquired about it they claimed its because our taxes and insurance changed which they did not ; this led to them increasing our monthly payment by over {$800.00}. It took an act of God to get it straightened out and multiple managers not to mention countless hours of my time on hold waiting to talk to someone who was competant. The best part is, this was only the first of 4 times they've done this to us in the 4 years since we refinanced. Multiple follow up messages to XXXX were either ignored, or he passed the buck to the servicing company to which the loan was sold. This loan was never right from the beginning and has never recovered.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: FinCo Services Inc DBA Current
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I never got my pay from my job my job has showed me where the funds where deposited to my account the bank did not deposit my paycheck into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My client set up a recurring payment with Wells Fargo and they started withdrawing duplicate payments without my permission. She had to refinance the debt with another lender in order to stop the duplicate payments. Please see the attached document for additional information

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 2023-06-06
Company: JPMORGAN CHASE & CO.
State: TN
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:
This is my 2nd time filing a customer service issue related to Chase in the past month, I stated in the last one which is still technically open that this is unacceptable that Chase is treating me this way. 

Today I called in at XXXX XXXX EST to open a dispute about a past purchase and I was greeted with nothing but hostility, unprofessionalism, and your representatives giving me the silent treatment and unwillingness to help. The first rep was immediately combative to me and refused to help. When I asked for a supervisor transfer the rep had to make sure that she got the last word in which is EXTREMELY unprofessional! Then the 2nd rep in the end gave me the silent treatment like a disrespectful human. All I called in asking was to open a dispute against XXXX for a XXXX purchase for {$1100.00} as I'm well within their warranty period and they refuse to help me. Before she gave me the silent treatment she stated I should use the purchase protection which I opted to say that I had issues with given how unorganized they were with my last claim and I had to get Chase to intervene. 

I don't want the garbage product from XXXX and they're refusing to talk to me, my only recourse is through Chase for consumer protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2023-08-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 I had a {$200.00} unauthorized charged on my chase checking, withdrawal by a ATM. I made a dispute with my bank that same day. They told me the charge would be crediting {$200.00} back into my checking until the investigation is completed. XX/XX/2023 they did a claim reversal atm withdraw in the amount of {$200.00}. Claiming We found that the transaction ( s ) was processed according to the information you provided or was authorized. As a result, we are removing {$200.00} from your account on or after XX/XX/2023 Which is very dishonoring and disappointing because this ATM withdraw was certainly not done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX and Transunion all reported incorrect information on my credit report. According to the Fair Credit Billing Act the credit agency must contact me ( call, write, e-mail ) within 5 business days before placing any negative items on my credit report. In them not doing so, it is a violation of compliance.

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 2017-11-19
Company: EQUIFAX, INC.
State: IL
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:
Equifax, XXXX , & XXXX has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, 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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX  Balance Owed : {$330.00} XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXXXXXX XXXX Balance Owed : {$2300.00} XXXX XXXXXXXX Balance Owed : {$1700.00}. I noticed that these accounts started reporting erroneous information I need it to stop now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
I am in the process of purchasing a home and I have memberships with equifax.com, XXXX, XXXX XXXX XXXX Prior to XX/XX/XXXX every day/month I am able to access my reports with no issue. I noticed when I tried to pull my XXXX XXXX report from XXXX for XXXX, the equifax file had and error and I was only able to pull the other two. I kept trying for a few days thinking that it couldve been a glitch on the site so then I decided to try and pull a XXXX report from one of my other memberships and paid extra- they too failed. I went to equifax and tried to pull my free report and it hadnt updated on there a score since XXXX, however for the report it said I had a NH XXXX credit file and all of my accounts showed XXXX as if it didnt exist. 

I called equifax which to speak to someone is a total nightmare you spend 30 minutes entering your information and unable to speak to someone in the XXXX. I spoke a total of XXXX different calls in a weeks time speaking to no one who could help me. The first XXXX calls they said everything looked fine on their end and that they would escalate. Even after escalation no one called or followed up. 

My lender was unsuccessful at pulling me report and I have since lost out on XXXX different offers to purchase a home due to equifax issues. My lender then said when they enter for equifax it says fraud alert but equifax said there was no fraud alert. I havent filed any fraud alerts on my accounts and by the XXXX call I spoke to the fraud department who said they thought they knew what it was and transferred me to someone else. They told me to fax in my ID - I did this twice. One person said there was a block on my date of birth but all of my information has been consistent. Every time I call they tell me theres nothing wrong and I should be able to access and I have to tell them to read the case notes and then they say I have to send in my ID again. Had I not stopped myself I wouldve lost out on a {$30000.00} XXXX  money deposit on the last deal because with equifax not correcting whatever is wrong I am now without the house that I was bidding for. To this day which is now 2 weeks into this nightmare they still have not resolved my issue and my lender can not access my report. Spending hours on the phone and getting nowhere and because they couldnt help there were XXXX specific calls that when I asked to speak to a representative in the United States, they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: John C. Heath, Attorney at Law, PLLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Lexington law is what happened.

They dooped me into debt with them. Asking for money up front. I payed XXXX upfront for credit report and then they started going into my account trying to take more money from me. I started with them in XXXX and quickly canceled in XXXX when they took XXXX XXXX from my XXXX XXXX card without my consent. I'm a poor XXXX man on food stamps. I'm unemployed. And have personal medical issues as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-03-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
( XX/XX/2022 ) I am very upset with this matter. I sent a letter regarding inaccurate fraudulent information on my credit report. I feel like Equifax is taking advantage of me. 
This account is in violation of [ 15 U.S.C. 1681eb ] of assuring maximum possible accuracy of the information concerning the individual about whom the report relates. This account was already deleted from the other 2 Credit Bureaus with proof provided. You are reporting inaccurate information on my credit file as verified. Please show me your method of verification.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by Federal Law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) You have on file of the account listed above. Under the FCRA, if you are unable to provide me a copy of Verifiable Proof, you must remove the account listed above. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. The FCRA says that you have to tell me this in 15 days if I ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: KS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2021-02-15
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello The company who is involved is Specialized Loan Services I spoke with an associate back in XX/XX/XXXX XXXX XXXX XXXX ID XXXX ) and they told me that they will correct my credit report since I was under the law CARE act ( forbearance ). 

I m trying to contact over the phone, but is very difficult to reach an associate, I dedicated more than 1 months of this and finally I get a response from another associate back in XX/XX/XXXX, her name was XXXX and she told me that I need to open a new investigation about the error on my credit reports of late payments and wait for other 30 days ( until XX/XX/XXXX XXXX and after that credit report would be update, that they will correct all the error of all missed payment or default payment on my credit report ( for both borrower XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( wife ) ) because I was in forbearance under the CARE law ( covid 19 ) and also in modification process, apparently someone press the wrong button and send all the payments that was part of the forberance and they marked like default on my credit report, so they will take care of this but they prefer to do it after the modification process was done ( XX/XX/XXXX XXXX. 
Until today XX/XX/XXXX they never call me or send me email with a new status, I try to reach them by email and phone and they never respond ( last week XX/XX/XXXX I finally reach someone from credit dpt and they told me that they will send an letter by mail, with the decision, but nothing happen yet and I still have all the derogatory on my credit report ). I never miss a payment on my mortgage and the only time that happens was under the protection of the law CARE act ( forbearance ). 

I need answers from this mortgage service company, since I have all those defaults on my credit, I m loosing other business opportunities and to do other type of deals in my personal life and is not fair that because their mistakes, I also stop to receive other considerations from creditors. My credit need to be fix as soon as possible, so please help me with this situation. 

Thanks

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 2018-12-29
Company: EQUIFAX, INC.
State: MS
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 has been dealing with this item against XXXX XXXX XXXX XXXX XXXX  reporting an incomplete account and saying that i'm 120 days past due, has violated the 30 days to comply multiple times by not replying to my letters that i sent regarding this issue.i have sent letters on 3 different occasions XX/XX/18,XX/XX/18, and XX/XX/18 and not heard back from neither reply.this is the usps delivery conformation XX/XX/2018 is XXXX XXXX XXXX XXXX XXXX and i have the letter to verify that i sent them that i will upload it.need help in this matter.It only showing on equifax and i would like it remove like XXXX  has deleted.

Company response to consumer: Closed with explanation