BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This loan has been with Wells Fargo Small Business Lending. We have tried to pay off the remaining amount on a 15 year loan on which we have paid down for 14 years without missing payments or being late. We recently requested - in writing - a Pay Off amount ( in XXXX, XXXX ) and received the pay-off letter on XX/XX/XXXX. We wired the amounts stated in a Pay Off letter the very next day. They acknowledged receipt of the amount ( direct wired ) and received confirmation of that wire. However they invoked additional daily interest charges due to the discrepancy in THEIR timing of conveying the pay-off letter and amount. Their letter was dated XX/XX/XXXX but we received it via email on XX/XX/XXXX and they received wired funds the next day, XX/XX/XXXX. Then in early XXXX we received a statement by regular mail of owing {$29.00} more ( daily interest fees ) Their statement of the added fees was dated XX/XX/XXXX, and stated required payment date by XX/XX/XXXX ( same day as letter ), but we received that letter by regular mail on XX/XX/XXXX - making it impossible to fulfill their deadline equaling yet more charges. Each time we have receive a demand for additional payment the communications have come late - making it impossible to meet their demands. We pay immediately in good faith, and yet there are more charges. We have wired additional funds in an attempt to head off further small charges but were told they had to create yet another Pay Off statement and that would take 4-5 weeks to get! -- meaning yet more daily interest charges. There seems to be no way to get out of a continuous stream of small added charges. Also the daily interest charges are based on the FULL amount of the initial loan from XXXX instead of the remaining amount on the loan as of XX/XX/XXXX - even though they now actually have all of the amount that remaining. There seems to be no way to get out of this and fulfill their requirements because there are always new added charges with built in time delays so there are always new added fees. No way to get title and finish 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 non-monetary relief
Consumer complaint received 2023-10-20
Company: SERVICEMAC, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
I requested the information from the company because full discloser was never given and I have requested the documentations and was told I would be foreclosed on because I was asking questions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone took money from my Citibank account of My corporation and used it to pay XXXX XXXX i have no idea who these individuals are. 


I informed citibank of the fraud they said they will provide an affidavit of fraud so i can take to the precinct they did not its been 60 days. Citibank says they will give the money bank if it is fraud. Citibank says they sent XXXX a request and that amex did not respond. 
XXXX responded to me when I called and provided a Fax number XXXX to send the Fraud claims to .Citibank has not done so or XXXX would have taken care of it. 
Citibanks was left numerous messages to there advestised phone number and they never returend 1 phone call It is a black hole for customer service this is why i was never notified of the fraud when it happened. 

They need to return the fraudulent charged amount of {$44000.00} I need to contact them through the XXXX XXXX XXXX to get a generic response. 
not being able to reach XXXX is a joke

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 received a copy of my credit report and I filled multiple disputes ( I havd attached documents to prove the multiple disputes I have filled ) about the following information that appears on my XXXX report, XXXX and TransUnion. 
The following inquiries are not accurate. XXXX XXXX, they reported the charge off on XX/XX/2023 but I already paid and verified the payment via XXXX XXXX XXXX XXXX on XX/XX/2023. 
Please see attached and receipt for verification. 
According to the Fair Credit Reporting Act, I demand that these item be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you, 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 2021-05-27
Company: WELLS FARGO & COMPANY
State: FL
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 AM WRITING YOU TODAY TO REQUEST REMOVAL OF MY WELLS FARGO ACCOUNT FROM THE THREE CREDIT BUREAUS, I PAID THE REMAINING BALANCE OFF AND ITS CURENTLY SHOWING {$0.00} BALANCE. I AM IN DISTRESSED BECAUSE I HAVE TRIED MULTIPLE TIMES TO HAVE IT OFF MY CREDIT FILE BECAUSE I AM IN THE PROCESS OF PURCHASING A HOME. THIS ACCOUNT IS HOLDING ME BACK FROM ACQUIRING CERTAIN QUALIFICATIONS TOWARDS THIS HOME AND I AM GETTING DISCOURAGED SINCE I'VE WORKED SO HARD AND THIS IS MY FIRST HOME. I AM PLEADING TO SEE IF YOU CAN REMOVE THIS ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST. 
I have been a victim of identity theft. The accounts listed below do not belong to me. 

XXXX XXXX, XXXX # XXXX {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$620.00} XXXX XXXX XXXX # XXXX {$3800.00}

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 non-monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: CT
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 act, XXXX Bank Account # XXXX has violated my rights 15 U.S.C 1618 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A also states consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance : {$23000.00}.

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 non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NY
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:
On my XXXX  credit report theirs is one negative item that's a collection account called credit collection this negative item supposed to be removed from my XXXX  credit report filed a federal trade commission identity theft report on file also their 3 hard credit inquiries on my report those inquiries supposed to be removed from my XXXX  credit report and regarding equifax Credit report there's one negative item that's 60 days late its a fraud account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
On XX/XX/XXXX I received my social security check thru direct express and when I checked the balance its lower than I expected. I checked the transactions and found out that there is a pending transaction of XXXX that I did not recognized, I called direct express and disputed the charge and told them not to pay, they said they will cancel the card so it cant be use and replaced with a new one. I went thru my account with direct Exoress customer service and found out that a merchant had been charging my acct ever month for the part 12 months on the day that I received my check. The customer service help me file the dispute and said I will sign a form that she is going to send and mail it back within 10 days. I did not get the form on the XXXX day. Anyway I called them before that and they it was already sent and just XXXX it back once you get it which I did. I called direct express 2 days later and they said that my dispute is denied .I argued with them because it looks like that they did not do an investigation but analyze it based on their form. 
I research and found out about the merchant and called them, I told them that I did not authorized those charges and they said they will refund the money and the customer service was doing that while talking to me and he said that it is not going through. I said because the old card was cancelled but I have a replacement card. They can only refund on the card they took money from and asked me to call direct express to temporarily reactivate the card. I called direct express and told them that even if you denied my dispute the merchant is willing to payback but on the card that was already cancelled, direct Exoress said dont worry the refund will go to the new card just tell the merchant that it will go through. So I called the merchant and told them what direct Exoress told me. The merchant and myself tried.to call direct express but the wait time is over 30 minutes. I called direct Exoress and asked them if we can do a conference call but they said they do call merchants instead they asked me to call merchant and asked for a letter that they will refund money and fax it to direct express. He gave me a fax that is not working. I called direct express so many times and is transferred to other departments and they said they will not reactivate temporarily the old card! I called merchant too so many times and asked them to refund in the new card if send me a check but they said they can only refund in the old card. Please help me get my refund. 

Thanks XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
The past three months I have requested a credit line increase and I have been denied each time due to erroneous information. Capital One uses XXXX to render this decision but the do not have a person that can verify the credit report information in real time. I contacted XXXX and they stated my score is a XXXX as of XX/XX/XXXX, the adverse action I receive from Capital One states it's a XXXX dating on XX/XX/XXXX and XX/XX/XXXX. Again at that time I contacted XXXX and I was at a XXXX and then a XXXX. My current limit is {$500.00} and I make over six figures a year. I got this card in XXXX, the one prior in XXXX and my account has still not been reviewed for a credit line increase. I have made 21 payments combined towards these two accounts on weekly basis and in the full amount in most cases. My car loan was paid in full with no late payments EVER, I also have a Neiman Marcus card that's underwriting with Capital One. My application for the small business card was also denied and it states due to a previous application being submitted on pending but nothing has been sent to me regarding such. Which is why I am requesting my personal credit limits be increased since I am using them for business purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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: Their investigation did not fix an error on your report

Complaint:
TransUnion is Continuing to report an invalid bankruptcy on my credit report. They are doing so even after the fact of me submitting evidence that the bankruptcy has been reporting in total error. I submitted a dispute yesterday, and they verified it less than 24 hours later is accurate. It is not, and must be removed immediately, per the FCRA. If TransUnion do not comply with the law, I will be forced to take legal action. I will include evidence from XXXX showing this inaccurate information has been removed from their database. But, TransUnion persists in the reporting of inaccurate information that is adversely affecting me.

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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 contacted : XXXX XXXX XXXX - XXXX DISPUTE LETTERS TRANSUNION LLC - XXXX DISPUTE LETTERS XXXX - XXXX DISPUTE LETTERS XXXX - XXXX DISPUTE LETTERS I WOULD FIRST LIKE TO STATE THAT XXXX XXXX XXXX, TRANSUNION, AND XXXX ARE FALSELY REPORTING THIS ACCOUNT! I HAVE ASKED FOR THE ORIGINAL INSTRAMENT OF INDEBTINESS ( PER THE REQUIREMENT OF THE FAIR CREDIT REPORTING ACT ) FROM THESE COMPANIES TOTALING 19 TIMES WITH 4 DIFFERENT COMPANIES, WITH NO AVAIL! THE FAIR CREDIT REPORTING ACT STATES THAT " ALL INFORMATION THAT IS PRESENTED ON CREDIT REPORTS MUST BE 100 % ACCURATE AND THE COMPANY REPORTING SAID INFORMATION MUST HAVE THE ORIGINAL INSTRAMENT OF INDEBTINESS. NONE OF THESE FOUR COMPANIES HAVE PRODUCED A SIGNED DOCUMENT, AUDIO, OR VIDEO OF ME, TAKING ANY OWNERSHIP OF THIS FAKE ACCOUNT! XXXX AND TRANSUNION KEEP STATING THAT THIS IS VERIFIED AND MEETS F.C.R.A, BUT THEY ARE LYING! HOW DID THEY VERIFY IT? XXXX HAS REMOVED THIS FALSE ACCOUNT BECAUSE THEY COULD NOT VERIFY THAT IT BELONGS TO ME! I HAVE PROVIDED PROOF. I HAVE NO AGREEMENT OR CONTRACT WITH XXXX XXXX XXXX, YET THIS IS BEING REPORTED ON MY CREDIT REPORT ILLEGALLY! THIS IS A VIOLATION OF THE F.C.R.A!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
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: Personal information incorrect

Complaint:
I have contacted EQUIFAX multiple times, provided faxed copies of identification verifying my personal information, yet they continue to display incorrect information. 

Furthermore, EQUIFAX has reported a paid account incorrectly resulting in a loss of OVER 100 POINTS TO MY CREDIT SCORE! Both the lender and I have provided documentation as per their ( Equifax 's ) request and they have not updated the file correctly.

As one of the 3 Major Credit Bureaus, I expect the organization to be held to the same standards as the lenders that utilize them.

Equifax sent me a letter rejecting a dispute after I provided irrefutable documentation from the lender and then had the audacity to 'confirm ' my personal information YET IT IS STILL INCORRECT! 
I'm beyond frustrated!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Stevens Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI ( STEVENS BUSINESS SERVICE /XXXX XXXX XXXX  ) Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists ... ..Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$36000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry 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