BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: GA
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:
REMOVE ALL LATE PAYMENTS FROM XXXX XXXXXXXX 2 CREDIT CARDS AND 1 LOAN 1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act. In general, this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. F ) Reporting information during the COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX 2019 ( COVID19 ) pandemic during the covered period.In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. XXXX5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can furnish an account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-20
Company: Experian Information Solutions 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 my follow-up endeavor to inform you that I am a victim of Identity Theft, The items I am challenging do not affiliate with or have a transaction with me. Please block the items that are erroneous in my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} The addresses stated above are not my home address, the accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete the items at once.

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 2021-04-13
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the 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 explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that the disputed account gets corrected. 


Please Validate this reporting account : XXXX XXXX XXXX Balance : {$0.00} This will serve as a follow up complaint

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 2018-08-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Over 30 years ago I opened an IRA with XXXX XXXX. XXXX XXXX was bought by XXXX who we eventually bought by Wells Fargo. 

Currently, I find my IRA is in a CD account earning 0.05 % interest. I have been attempting to transfer this to an IRA account at a different institution. 

I have made two attempts to transfer that money through that other institution. I wanted to do it directly to avoid any tax withholding. The first attempt was made through and account transfer form signed via DocuSign. When this attempt was made, Wells Fargo said they only take wet signed documents. So, we repeated the process with a wet signed account transfer form. Well Fargo then indicated that the money was tied up until XX/XX/XXXX. I'm guessing that's when the CD expires. 

I looked online and it appears the going rate for CD IRAs is around 3.0 % ( vs. 0.05 % ). And, not surprisingly, Well Fargo is making it difficult for me to get my money. It feels like a ploy to make me give up and just leave my money there. 

Wells Fargo has had the use of my money for the past 30+ years and clearly have no interest even in letting me have my deflated dollars back. 

I have made numerous calls both to customer support and to their IRA department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 currently have viewed my credit report and have noticed inaccurate items such as inquiries tat I did not authorize on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My personal information : Social security number, name. And address have been improperly used on my reports. I have been a victim of fraud and there are many inquiries on my credit reports that I did not request. 
The following inquiries are as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2023-04-06
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:
There are over 10 unauthorized inquiries on my credit report seemingly all belonging to financial businesses. These are not my inquiries. TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX ( 3 inquiries made ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX XXXX XXXX XXXX. I spoke with XXXX of XXXX XXXX and was told that I should call to dispute the inquiries as they are not mine.

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 2022-09-13
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Complaint about Wells Fargo This complaint pertains to previous complaint # XXXX submitted on XX/XX/2022 Referenced Complaint XXXX relates to the title of my car. 
I have made numerous requests for assistance in clearing my title by contacting - XXXX XXXX, - XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, Il XXXX XXXX XXXX XXXX XXXX Leasing It is quite clear to me that Wells Fargo XXXX their Partners XXXX XXXX XXXX XXXX XXXX want me to get another XXXX vehicle becasue of the actions to cloud my title. Right now it would be difficult for me to sell my car on the open market or trade my car in at another dealer. 

However, I am sure I would not have any problems if I went to a XXXX dealer to trade in my car. 

See attachments which explain that Wells Fargo was " spoofing me ''. 
See attachments providing information about previous complaint.

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 2021-11-12
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My escrow is always short, I can understand when my taxes and home insurance goes up which would cause my escrow to go up as well as my monthly payment but my taxes and insurance didn't go up and my mortgage payment went up to {$1100.00} to {$1200.00}. My escrow is short XXXX. Please help with this issue and I understand the mortgage company is under a class action lawsuit for stealing money out of customer 's account and escrow shortages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
i have on several occasion had to pay less than what was due on this account at tower loan in XXXX, XXXX , i keep it as caught up as my finances will allow without just blathing not paying it at all, i get repeated rude intemdating calls from this branch and all of its employees including the branch manger who went so far as drive to my home where my children were to leave me a note taped to my door, then i was informed that he was in fact allowed to do so. they contiue to call me with rude, intemdating calls repeated calls and even call my place of work after being told not to do so. 

even when my account is caught up my balance is substanilly higher than it should be it seems like no matter what i pay the balance never changes. XXXX XXXX, XXXX and XXXX are all part of the calls that are not professoinal at all.

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 2023-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Capital one and I agreed on a set payment date. I'm still getting automated responses threatening me to pay. What gives?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a Chase checking account. In XXXX I opened a XXXX Bank account. This year I set up an XXXX withdrawl of {$100.00} to be transferred from my Chase account to my XXXX account monthly. 

On the following days, Chase took out {$100.00} from my checking account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once I noticed that the transfers from Chase were not in my XXXX account, I contacted Chase. Chase insisted I had to contact XXXX Bank to resolve the problem. I contacted XXXX and they insisted I had to contact Chase. 

After spending several hours on the phone with both Chase and XXXX, I decided to close the XXXX Bank account. This was in early XXXX. 

As you can see from the above dates, even after I closed the XXXX Bank account, Chase still took out money from my Chase account, supposedly to send to an account that was no longer in existence! 
I have sent numerous messages to Chase via the secure online system. Chase finally refunded me two of the {$100.00} withdrawals. This was done on XXXX XX/XX/XXXX. 

Chase refuses to refund the remaining two withdrawals of {$100.00}. I believe withholding my money constitutes theft. 

Chase withdrew {$400.00} from my checking account. None of this money ever reached my XXXX Bank account. Chase has returned {$200.00} to me and has now refused to return the rest of my money ( {$200.00} ), declaring the inquiry closed! 

I would like my money bank. This is not the first time I have had problems with Chase. ( I had a Chase mortgage and the pay off sum I received was not in line with what I anticipated based on the information in my account. ) I am enclosing the following : 1. Some of the correspondence between Chase and myself 2. Proof from my Chase checking account showing the withdrawals and returns described above. 
3. Letter from XXXX Bank stating they never received any of the money Chase claimed it had sent to my XXXX account. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX contacted me about an invalidated debt and made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations XXXX XXXX XXXX has made in their attempt to collect this debt from me. 

I am fearful that XXXX XXXX XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX XXXX XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX XXXX XXXX, for multiple consumer rights violations. Pursuant to 15 USC 1692k.

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 2018-08-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018, an unauthorized user changed the password on my USAA online banking account. I was notified by USAA and changed the password online. On XX/XX/XXXX, there were unauthorized charges on my debit card made online. USAA issued me a new debit card but then froze my account ( no online access, no use of debit card, no auto payments ) for three business days starting on XX/XX/2018. By Friday, XX/XX/XXXX, I still did not have access to my accounts. The representatives told me it was because they couldn't reach anyone in the fraud department. It has been over a week since my account was frozen and I do not have access. USAA failed to upheld their end of the agreement to conduct an investigation in three business days and then unlock my account. As of right now, I still do not have access to pay monthly bills such as my mortgage and my cell phone bill. Both are normally deducted via autopay and USAA has locked my account. This will negatively affect my credit score.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On about XX/XX/2022 my bank failed to stop payment to two transactions, one for an ice maker I never recieved and one for a book which was on a fraudulent account. PNC has not only acted carelessly and recklessly and neglectfully, their people are trying to close my account rather than give me money I did not authorize. Also, my unhappiness as to their poorly run company and my money never landing returned, they voluntarily closed my account causing me embarrassment and to not have access to my money. Their insulting and doing it intentionally. Their bank should endure a fine, as I so did not ask them to close my account, instead their inability to treat me respectfully after they got all the funding in the world thanks to some friends of mine and I, chose to act XXXX rather than like an XXXX Meaning, they owe me about {$150.00} and my dignity restored. Not to mention, they need to release my funds to me, rather than holding my money. I went to XXXX XXXX and now their possessive and XXXX  like a person who XXXX  an ex girlfriend, and will hit them for a terrible thing they did, which is not my fault it is theirs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have an executed agreement to purchase a home owned by The Bank of New York Mellon through their agent, XXXX XXXX XXXX XXXX. Prior to closing, a roof repair was done ; however, the party who did the repairs failed to obtain a building permit or professionally complete the repairs. During the walk through it was evident that the roof was still leaking. A licensed roofing contractor provided me with an inspection and estimate to replace the roof since a repair is not permitted. The city building department confirmed that a complete roof replacement is required and has issued a stop work order posted on the property. The roof must be replaced by a licensed roofing contractor, it is now a code enforcement issue. The seller initially argued regarding who did repairs ( not material ) and insisted I close as is or cancel the contract. I could not obtain insurance with the leaking roof. The seller would only refund my {$5000.00} escrow deposit and refused to pay my direct expenses over {$1100.00}. I have a FHA loan approved, and the lender 's loan package was sent to the closing agent in a timely manner so there was no issue with the loan on the closing date, XXXX XXXX, 2015. The seller came back after about a week and told my real estate broker, XXXX XXXX that the seller would replace the roof and to confirm if I still wanted to purchase the property which I responded affirmatively. Today, I received an email to call XXXX XXXX, after agreeing to replace the roof the seller now is refusing to do as they said they would do. I want to purchase the house and I want the roof to be replaced as they agreed to do. The seller keeps bringing up the sale was " as is '' which I agree is correct ; however, hiding a leaking roof with new paint followed by having an unpermitted repair that left holes in the roof is deceptive at best. The listing agent for XXXX XXXX XXXX XXXX is XXXX XXXX, XXXXXXXXXXXX phone ( XXXX ) XXXX XXXX. The seller is The Bank of New York Mellon care of XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX, MD XXXX, XXXX XXXX XXXX XXXX asset XXXX is XXXX XXXX, the closing agent is XXXX XXXX XXXX XXXX, account manager is XXXX XXXX ( XXXX ) XXXX, processor is XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX. My agent is XXXX XXXX XXXXXXXXXXXX, the managing broker of the XXXX XXXX XXXX Florida XXXX has taken over the transaction, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX : The seller hid a leaking roof with white paint, when they had repairs completed, their repairman failed to obtain permits, did not complete repairs in a workmanlike manner and it was still leaking.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX noticed on XX/XX/2022 that I had a new inquiry on my TransUnion credit account from XXXX XXXX trying to get an loan. I XXXX XXXX never tried to apply for a loan with XXXX XXXX for the simple fact that I know I wouldn't have got approved myself. I don't know how much the loan was placed for.So i'm asking that the inquiry get removed from my TransUnion account because I didn't apply for a loan. I wasn't in need of a loan at the time the loan was placed.

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