BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wells Fargo has closed my secured credit card sometimes in XXXX of XXXX. I have found out about it in XXXX XXXX. I was told I should be getting my security deposit back to my checking account soon. In XXXX I still have not been given back my security deposit of {$600.00}. I n XXXX called again and got answer that they sent refund check to the address I do not live no longer. they were supposed to return money o my checking account two months ago. I was told I can go to any branch and request refund there. ( not  true ). I want to the branch and I was told I have to wait till and of XXXX to make stop payment to reissue new check. By that time different source told me that I have cashed the check what was not true ( someone else took it and cashed ). I sent the fraud form the bank branch and they claim that there is no form on file to process it. next time I was told there is a case but not assigned to anyone. case number was never given to me at no time. it ahs been 6 months and I have not gotten my money back

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 2022-12-28
Company: CAINE & WEINER COMPANY, INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
in XXXX of 2022 i got insurance with progressive and was quoted for my policy at XXXXXXXX XXXX XXXX dollars. i payed the initial payment of XXXX on XX/XX/XXXX. when may came along and i was to start my new policy in another state, i was told they never received my documents and would be charged XXXX  monthly for my policy. i called progressive many times and tired emailing them the documents they requested. each time i called i was told they didn't receive the documents and would take up to XXXX hours to show in their system. i tired to reach out to the insurance broker that sold me the insurance but wasn't ever able to get a hold of her. i was told because my miles went up due moving and because i didn't submit my documents in time they would continue to charge me XXXX each month. i cancelled my service and then i have a collection of XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
To Whom It May Concern : On XX/XX/XXXX, I received a letter from XXXX  ( XXXX XXXX ) stated that my XXXX loan ( Account # XXXX ) was paid off in full. To my surprised, I logged on to my account and found a very messy situation, which I have been dealing with since then and still unsolved, which resulted in this complaint. 
I have spent countless hours on XX/XX/XXXX,. XX/XX/XXXX, XX/XX/XXXX ( twice ) trying to resolve this issue. XXXX  mistakenly paid off my XXXX loan in XX/XX/XXXX and reversed it ( according to the transaction history online ). It stopped collecting the automatic monthly payments/ withdraws from my bank account. I didnt know about this until I received that paid in full letter. I have tried to rectify the issues with the company but they are unwilling and un-caring about owning their mistaken. From the latest telephone conversation, one of the manager ( XXXX ) promised that she will make sure all things were taking care of my issue was about the credit reporting. I received emails and calls from XXXX XXXX about my late payments, which only happened after I contacted XXXX about the pay off in full mistake. The late fees of the two months were also added into my loan amount. This is fraudulent! 
I received notification from my bank stated that my FICO scores had changed ( dropping by XXXX points ). I requested and received the credit report from Transunion ( XX/XX/XXXX ) and found out that XXXX had reported the 2 months late payment. I emailed XXXX and asked them to retract this reporting because of their mistake of paying-off the loan. XXXX refused to do so, stating their reporting was correct. This affected my credits and ability to make plans for financial decisions. 
This is a very frustrating experience with XXXX XXXX XXXX XXXX. It made a mistaken and refused to make correction, as a result, the consumers are suffered. It is a fraud to consumers and irresponsible as a business practice as a financial institution targeting consumer like me ( perhaps, XXXX profiling because of my name that is un-Americanized ). Especially, after multiple attempts to result this issues and XXXX still refused to fix the issues. It is predatory practice. I wish the companys practice methodology to be investigated and hold accountable for their wrong doings to consumers. 

Thank you time and assistance in this matter. 
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 2023-07-14
Company: EQUIFAX, INC.
State: GA
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 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 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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-26
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
US Bank, XXXX - charged off XX/XX/XXXX. I fought this. I was in touch with bank teller in XXXX, TN. He wasn't even with the Mortgage dept. i could have paid off balance where i was a few months behind due to unemployment. 'XXXX '' sent my account to charge off status. I called several times to have this reversed. 
Since that time, i never received a statement, nor had to pay on the account. 
XXXX XXXX. receive a statement, after my main Mortgage account was sold to XXXX XX/XX/XXXX. 
The statement reflects $ XXXX due XX/XX/XXXX in delinquency -- 5 years later when there was no resolution within that time to set up payments.

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 2022-04-22
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I received a Venmo credit to open an account and was told I would be able to make purchases and receive payments from employers, direct deposits and receive money from family and friends. 
From XXXX XXXX XXXX XXXX I was able to do all of this. On XXXX XXXX I received a payment through XXXX from my employer. I received an email saying my account was frozen and identity needed to be verified. I immediately uploaded my drivers license to the link provided. I called customer service support and was advised that they had not received the identity verification requested and I would have to wait until Monday to speak w/ acct. services. I called on Monday because my utilities were to be disconnected, if payment was not received by the end of the day. I was told it would be 5-10 days to process. I explained my situation about my bills, and was advised my matter would be escalated for processing, this did not happen. On XX/XX/2022 I received an email from acct. services from agent " XXXX '' saying my funds were being held by loss prevention. The funds could be held up to 180 days, yet no reason for this action was ever given. I have continuously made contact via email and phone, to no avail nor solution. I still have yet to get a response as to what caused Venmo to take this action. This has caused great complications in my life and finances, unable to make bill payments on time. I feel outraged and disgusted and honestly believe I have been scammed by Venmo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07
Company: EQUIFAX, 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:
Equifax and XXXX are reporting incorrect information regarding an outstanding balance due on XXXX - account number XXXX. This account does not belong to me. I have contacted all 3 bureaus and XXXX has removed this item from my credit report, however Equifax and XXXX have not removed this item. This inaccurate reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The items listed on my credit report that I have been disputing are not mine and I have been trying to dispute them for sometime now this 2021.

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 2022-12-28
Company: Scheer, Green & Burke L.P.A.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The last week of XXXX 2020 I fell at home and XXXX XXXX XXXX went to XXXX XXXX XXXX Dr said it went right back into place, Should not need XXXX follow up with XXXX so I did XXXX XXXX XXXX yelled at me right off even though I waited 2 days and 2 hours to see him Scheduled XXXX so XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXHe put it looked like curtain rod hangers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
So then he scheduled XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I could get my diaper over the hardware and now I had XXXX holes in my foot to heal.took it out.Another XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX I believe he might have put a part in to stabalize ankle ( not sure ) XXXX sent me home with hole and incisions to wound center. 
I actually asked to be dismissed I FELT LIKE AN EXPERIMENTAL patient. He even said this new surgeon wants to look at your XXXX XXXX. After one office staff told me of another woman actually loosing her foot and she took her flowers. I wanted to keep my foot The can Keep the flowers.. 
I was told in lieu of a court case it had been written off because of major inconveience, time, and left with a mammned foot a club foot After their ambulance service tried to bill me for wheelchair miles XXXX?? something riduculous, and my wheelchair sat in my living room until I returned home. 
The hospital has all the XXXX  and documentation to everything I attest to Why would I give a hospital {$1200.00} or {$310.00} to make me have to use a walker for the rest of my life??????? I am in my XXXX 's This whole XXXX practice needs looked at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and sent me home with XXXX aXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX saved my left leg. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXd XXXX XXXX. Laid in XXXX Home 3 months. 
If you don't get your designated outcome then tough sh --. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: TX
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 ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX & XXXX XXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Marlette Funding, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX, consumer in fact, recently checked my credit report and I saw an unauthorized inquiry from XXXX/MARLETTE on XX/XX/2022. I did not authorize nor give any written consent to this inquiry on my credit file. This is identity theft from BEST EGG and I have been injured.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Virtuoso Sourcing Group, a collections company working on behalf of XXXX agreed to settle my debt for 75 % of the amount owed ( settlement offer letter attached ).

The original amount owed was {$260.00}. As agreed, I paid {$190.00} via check on XX/XX/21 ( copy attached ). 

Yesterday, XX/XX/21, a new collections company - XXXX XXXX XXXX XXXX contacted me on behalf of XXXX attempting to collect the 25 % that was discounted. 

I called Virtuoso, they said they no longer have the file, because XXXX pulled it from them on XX/XX/21 but their records show that I still owe a balance. 

I called XXXX and was told that Virtuoso had the file and they did not have any record of the new collections company that called me. 

My call was transferred to 6 different associates within XXXX and Virtuoso over the course of 1 hour and no one was able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I have contacted XXXX regarding these accounts and they assure me they 've been deleted, however the CRA 's are still reporting 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 explanation
Consumer complaint received 2022-04-19
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Newrez LLC/Shellpoint mortgage servicing sent me a secure message through their online message portal that contained loan documents belonging to someone else. I immediately contacted Newrez, who downplayed the concern and could not tell me if my personal information had been inadvertently sent to another person in error. 

Ironically, the message was sent from their compliance team. In the wrong hands, this information could be used for fraud, and I would like to ensure that the individual ( XXXX ) affected are notified and that Newrez is audited for proper PI compliance.

Newrez has been my mortgage servicer since XXXX of XXXX. When my loan was transferred to them from the originator, I attempted for months to recast the loan only to be told that my primary investor would not allow it. I had to personally call the investor ( XXXX XXXX XXXX XXXX ) and have them contact Newrez on my behalf in order to facilitate the recast request. The delays incurred due to newrez 's errors and incompetence have cost we well over {$1000.00} in additional interest payments on my mortgage.The purpose of my inquiry was a request to have the {$300.00} recast fee waived due to their errors. In their response today, they sent me the private information of someone in California which included all of their loan documents and payment history. It is my fear that my personal information was also shared with the wrong person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello After checking my mortgage statements I have found suspicious activity which is affecting my credit score as well as the principle balance on the mortgage. I send payment at the beginning of every month via chase bill pay I have all bank statements showing payment goes though. However experian credit report shows Otherwise payment skips every other month and this impacts my credit score as well as the balance on my mortgage. Ive contacted my home lender loan care but they denied such activity however statements clearly show otherwise as some months the principal balance goes up instead of decreasing.

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 2022-04-19
Company: Experian Information Solutions Inc.
State: TX
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 fraudulent information on my credit report. Almost my entire credit report is fraudulent. I am unaware of these accounts.

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 2022-06-20
Company: Experian Information Solutions Inc.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions -Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX -Account Number XXXX XXXX XXXX - Account NumberXXXXXXXX XXXXXXXX -Account Number 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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion recently verified a bankruptcy. Per their own response they used the bankruptcy court to verify. Please see the enclosed letter form said bankruptcy court ( bankruptcy letter attachment ) saying that they do not verify any accounts, so how was Transunion able to verify. Please also see attached from XXXX XXXX ( XXXX XXXX attachment ) where they were also unable to verify and removed from their system, as well as LCI ( CFBP complaint number XXXXcopied below ). So how was XXXX able to verify the account? They were not. I demand to exercise my rights ( under the FCRA ) and have the bankruptcy removed from Transunion database and my credit report immediately as they are unable to verify said account. 

LCI Response CFBP complaint number XXXX " Company 's Response This is in response to the complaint filed by XXXX XXXX with the CFPB on XX/XX/XXXX. By way of background, Lundquist Consulting Inc. ( LCI ) obtains bankruptcy information from publicly available sources and, in its role as a furnisher under the Fair Credit Reporting Act ( FCRA ), LCI provides this information to TransUnion for TransUnion to include, at TransUnions sole discretion, in its consumer reports. Upon further review of the information provided and based on the bankruptcy case filing date of XX/XX/XXXX and termination date of XX/XX/XXXX, LCI has determined that LCI did not provide TransUnion with the bankruptcy information concerning XXXX XXXX that appears on XXXX XXXX TransUnion consumer report. LCI began providing publicly available bankruptcy information to TransUnion on or about XX/XX/XXXX. LCI does not have the ability to remove the bankruptcy information in question from the publicly available sources or to remove information that TransUnion has included within XXXX XXXX consumer report. XXXX XXXX may need to contact TransUnion directly to determine the source of the bankruptcy information that appears on XXXX XXXX TransUnion/XXXX consumer 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