BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: SANTANDER HOLDINGS USA, INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have sent letters and/or called on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX requesting an itemized statement for all additional charges and why. My documents do not match what i have been told on the phone. 
I am entitled to this statement, please send immediately as the loan matures XX/XX/XXXX with a balance of {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX credit account has a note stating that the account was previously in dispute. THIS ACCOUNT HAS NEVER BEEN IN DISPUTE ARE THEY ADDING INFORMATION RANDOMLY NOW?

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 2019-06-12
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After falling behind with my mortgage payments, Mr. Cooper ( my lender ) placed me on a trial modification payment plan ( for the months of XX/XX/XXXX to XX/XX/XXXX arrears ) beginning XX/XX/2019. After making the first two payments, Mr. Cooper decided that although I mail out the third payment prior to the due date ( XX/XX/2019 ) my payment was not posted until the XXXX of the next month. When the payment was finally accepted, the lender refused to accept the next months payment. However, Mr.Cooper Did accept the XX/XX/2019 payment. While communicating with them today ( XX/XX/2019 ) they stated that they would refused the XX/XX/XXXX payment as well. This situation could have been averted by just posting the money on the next day of business. Now the invoice is stating the arrears are now {$4700.00}. According to my calculation there are only two months of arrears ( this month and XX/XX/2019 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The accts listed below are in violation : 1.XXXX  XXXX XXXX  XXXX 2.XXXX XXXX XXXX  XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I DID NOT GIVE WRITTEN CONSENT AND THAT IS FRAUD Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA.

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 2022-11-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX Hard Inquires Alert on XX/XX/22 my credit report was requested for a Comenity Bank/Sony/XXXX XXXX XXXX XXXX a credit card I did not apply for. This is a HIGH alert and remains on my credit for 2 years. I called XXXX and they reported to their fraud department, inquiry to be removed in 24 to 72hrs. XXXX Rep suggested I report to you FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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:
Hi, My name is XXXX XXXX, I have an auto loan listed on my account as well as several inquiries that are not mine. I have filed an affidavit with Federal Trade Commission as well on this matter. I am asking this information is removed from all 3 credit bureaus in accordance with 15 U.S. Code1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt. 

These accounts should not be on my consumer credit report and under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I DID NOT, AT ANY TIME, give any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights. NO CONSENT IS IDENTITY THEFT and am requesting the deletion of the accounts listed VASTLY from all 3 bureaus. 

Fraudulent Accounts CREDITACPT XX/XX/XXXX {$13000.00} XXXX Fraudulent Inquiries XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX 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 2019-07-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like to provide information regarding the modification process during XXXX. I first contacted Wells Fargo to advise of our financial hardship. At that time, XXXX XXXX - employee - advised we would qualify for a loan modification if we were 3 consecutive payments behind on our mortgage payment. We began the process, and started receiving foreclosure letters. It was acknowledge that, at that time, representatives were giving that information in error. They advised to either try to get my account current or try for the modification. 
So the process began…..The first modification they kept asking for me to XX/XX/XXXX the same documents over and over. They told me my time had run out and we had to cancel the requests in order to try a different modification. I asked if I could continue making payments so I would not be even further delinquent. They said “no” do not send any payments at this time. There is nowhere to apply the funds until the modification is approved. 
They finally advised the modification was approved and I started making trial payments in XX/XX/XXXX-XXXX XXXX. I never received my loan docs and when I called about them I was told not to worry that it was an internal issue. They advised they were having an issue with the subordination agreement. Then, I was told we had to start over again with a different modification because we were outside of the conversion time for the XXXX XXXX loan process. I could not believe it. I thought it was over. But we had to start the process over again. I was advised we did not need to send in any additional information or documents and nothing would change. I started asking questions regarding the rate and term and it was different from previously quoted. I was advised, if I did not agree to the modification and finish the trial period I would not be considered for another modification. 
We have saved all of the documentation received by Wells Fargo including my notes and the dates and employee names we spoke to during that time. 
We were hoping Wells Fargo would do the right thing without seeking an attorney. But apparently, you feel XXXX is adequate for years of torment. My husband had a XX/XX/XXXX during this stressful time of not knowing if his family would be put out on the street. We also had to pay an attorney XXXX   for advice and to see if we should file for bankruptcy. We are not sure how you came to the determination that we cancelled anything. We were advised to move to a different modification our request would have to be cancelled but it was from the referral of your representatives. Here is a list of Wells Fargo representatives we spoke to: XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX. I can also provide you with my handwritten notes of dates and names. We do not accept your offer of 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 2023-01-26
Company: Experian Information Solutions Inc.
State: FL
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:
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 In accordance with the Fair Credit Reporting act the aforementioned accounts have 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 166b A Creditor May not treat a payment on a credit card account late under an open ended consumer credit plan for any reason.

Refuse to block information resulting from identity theft Refused to send proof of validation of debt and full details of the supposed 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 2022-01-12
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: Was not notified of investigation status or results

Complaint:
Hello, I have submitted TWELVE ( 12 ) WRITTEN disputes with all XXXX major credit bureaus ( XXXX, XXXX and TransUnion ) multiple times with NO response on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Certified Mail ) XXXX XXXX XXXX XXXX I even sent the letters via Certified Mail on XX/XX/2021 and it shows the letters were received by each individual credit bureau yet I STILL have not received any responses to my Dispute requests. There are multiple Errors on my Credit Reports and after MANY attempts, they will not help me or respond to my written disputes.

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent TransUnion an FTC Identity Theft Report via XXXX XXXX Mail outlining multiple fraudulent accounts that are currently listed on my credit report, specifically the XXXX XXXX accounts ending in XXXX on XX/XX/2022, which they received on XX/XX/2022 and began processing on XX/XX/2022. I demanded that these accounts that were a result of identity theft be removed from my credit report within four ( 4 ) business days ( XXXX XXXX XXXX XXXX XXXX ) of their receipt of my personal letter, identity theft report, photocopy of my driver 's license and social security card, and utility bill providing proof of address, as these have caused me and my reputation personal harm and discrimination. I called TransUnion today, XX/XX/2022, to address why these fraudulent items hadn't been removed from my credit report, and they claimed they were not obligated to remove the fraudulent items from my account within four ( 4 ) business days, until they were complete with their 30 day investigation, citing multiple XXXX Codes as resources. For this reason, the items still remain on my report and are still causing me and my reputation personal harm and discrimination.

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 2019-10-02
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My wages are being garnished for auto loans that I owed {$8000.00} and some odd dollars They said that grow up to {$4000.00} more than the original amount I have paid {$10000.00} and just about finished paying the amount that they garnished me for but they are saying that its accumulating more interest and that they can keep charging more money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I got a priority envelope in mail had a check in my name seemed real went bank to see if I could deposit it it went threw I didn't expect nothing bad was going to happen i called the number and gave the batch number as indicated in document screens hated recite to the company and that was that for that day next morning got a alert about the check so I called and lady was angry and told me were closing ur account I tried to explain but they didn't care so I started getting XXXX and was chocked about all this that happened later that they got a message from the scammer and told me your lawyer wants to know if u could send payment so you could receive your winnings from lottery XXXX XXXX then I notice I was being scammed now over this person I loose my account I should of seen the red flags but I was being fooled whole time now I don't know what to do I really like wells fargo I didn't want to end up like this I hope I could get this taken care of it really hurt me and I would never fall for this incident ever again thankyou

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is regarding an existing issue with transunion XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper XXXX XXXX format and the account do not reach FCRA requirements..

I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character.

According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2019-05-26
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I called pen fed credit union to let them know of some fraudulent activities on my account and they acknowledged all the transactions and refunded the money to me. Later on I received a letter stating that I need to write a statement in regards to what had happened with that merchant and I did. In return they sent me an email from the fraud department that they will need to hear from me before XX/XX/XXXX in order for the funds not to be reversed, since I am out of the country I called them on a XXXX  phone in order to ask why if I received ba letter that I need to make contact before XX/XX/XXXX and now you guys have reversed the funds and now caused my account to be in a negative status. Below is the letter I wrote to them to support my claim. 



To whom it may concern, I am writing this letter in regards to those charges that was fraudulent in my checking account and that I did not authorized this company XXXX. I tried a promotion they were having in regards to making a deposit of {$10.00} and they will match your deposit and also gives some additional funds. I was not aware that this company was going to store my card information on their website and when I realized all of the unauthorized charges I quickly call my banking institution to make them aware of the discrepancy and to let them I never allowed XXXX to charge my debit card. 
These charges were not made by me and I tried calling them and they keep on transferring me without any response and they also closed the account as soon as I reported the fraud. Thank you for your quick resolution This is the response they sent me. 

Hello XXXX XXXX, Thank you for your most recent information regarding the 12 {$25.00} sales to XXXX. I am sending you this email with the following information : If you do not recognize these charges, please contact our Fraud department no later than XX/XX/2019 or the matter will be considered closed. You may call XXXX or from overseas call collect XXXX and report the account as being compromised and state that these particular transactions as suspected Fraud. The above referenced account will be shut down and you will receive a new account number. Additionally, the Fraud representative will advise you that an affidavit will be sent to you within 7-10 business days that you must complete the affidavit and send it back to begin the fraud investigation. 

If you have any questions, please contact XXXX Sincerely, XXXX XXXX Credit Card Dispute Analyst XXXX ext XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PenFed.org I  have not had any issues with this credit union nor any disputes and they should not have handled my case this way.

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 2023-11-30
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I disputed fraud on my account I was refunded for the fraud upon being refunded the bank closed my bank account and did not release funds stated I received funds in 30 to 60 days which is unacceptable I need my money right away

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