BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I completed a re-fi on my mortgage with Wells Fargo and XXXX XXXX on XX/XX/XXXX. 

The closing completed on XX/XX/XXXX at which time my new loan was set up by Wells Fargo. 

I took some money out and had my equity line of credit rolled in. 

After several escalations to XXXX, my e-check was delivered via email on XX/XX/XXXX. ( They kept on telling me to check spam/junk and trash ), but the check was never issued until I contacted them multiple times. 

Meanwhile, as of XX/XX/XXXX, my equity line of credit has not been paid out. I have contacted both XXXX ( long wait times and I leave a voicemail ), and Wells Fargo ( customer service reps do not know how to resolve, and the loan agent has simply acknowledged " I appreciate your frustration '' but after multiple follow ups, this hasn't yet been resolved yet, although she says she is " working with the title company '' ). If this truly priority, it would have been resolved by now. Meanwhile, I am being charged interest on my new loan, and the equity line of credit. Points of contact at Wells Fargo : XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Invalid Regular Inquiry on Transunion Report - XXXX XXXXXXXX XXXX dated XX/XX/2022

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 2021-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
availed of CAPITAL ONE 'S $ XXXX balance xfer offer for 0 % for 15 months with 2 % xtion fees in XX/XX/XXXX. been paying minimum or more monthly pymts. hv other similar xtions w/ other cc companies that showed promo expiration dates on stmts & provide XXXX days to pay full bal w/o penalty. then came XX/XX/XXXX stmt w/ {$100.00} interest. i assumed 0 % finally ended so i paid full bal 3 wks after but more int showed on XX/XX/XXXX stmt so i called & pleaded abt waiving int & told had to borrow for $ XXXX full pymt just to clear acct but not even an amt for courtesy adj was made that other cc companies do esp pandemic time. i complained abt not putting exp date on stmt but supervisor was tough so i agreed acct to be closed. however in XX/XX/XXXX, been getting collection calls so i checked & late fees+int continued to accrue to {$290.00} so i called again. pled w/ another supervisor for waiver & asked if i cld just pay orig {$100.00} & consider debt forgiveness for the rest b/c i'm still unemployed w/ XXXX 4 yrs now, benefits denied, on food stamps, wife 's earnings seasonal only, home pymts unpaid since last yr etc. supervisor was either deaf or no heart for concerns at hand even after saying other companies are helping their clients b/c of pandemic effects. he agreed tho that promo expiration dates shld be on cc stmts & wld suggest it to admin. acct is XXXX if that helps. thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: AL
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:
Multiple unrecognizable inquiries on my account some were even applied for on the same day this list includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other unrecognizable inquiries I have are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 to the Fair Credit Reporting Act, 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.

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 2020-06-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Pulled my credit report and saw that its showing 20 missed payments for my mortgage company that consist of one late payment in XXXX of XXXX. 9 30-60 day late payments in XXXX and 10 60-90 day payments in the XXXX. This information is incorrect. That is considered foreclosure there is no way that after 3 years I would still be in the-home with that many missed payments. I currently still reside in the home and since XXXX of XXXX credit reporting has been accurate. Im requesting validation of late payments/missing payments for those years mention above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX is stating false in information. They are reporting a XX/XX/21 late. As they are stating that I made XXXXXXXX XXXX  payment late. When the draft for XXXXXXXX XXXX payment did not go through. I called and they advised me that they are not accepting payment as the account closed and was sold to another company. At this time, they didn't give me any information, and they stated that the new company would contact me with the new information and how to make payment. Once received I called and made the payment with XXXX. However, I was not late and should not be marked as late. this XX/XX/21 late is erroneous!! It is complete violation that they are reporting this as a late, as for one, they longer had this account. Two, I did not request my account to be transferred and this was out of my hands. I was ADVISED to make PAYMENT to the NEW Company!!! As soon I received this information the payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX is stating false in information. They are reporting a XX/XX/21 late. As they are stating that I made XXXXXXXX XXXX payment late. When the draft for XXXXXXXX XXXX payment did not go through. I called and they advised me that they are not accepting payment as the account closed and was sold to another company. At this time, they didn't give me any information, and they stated that the new company would contact me with the new information and how to make payment. Once received I called and made the payment with XXXX. However, I was not late and should not be marked as late. this XX/XX/21 late is erroneous!! It is complete violation that they are reporting this as a late, as for one, they longer had this account. Two, I did not request my account to be transferred and this was out of my hands. I was ADVISED to make PAYMENT to the NEW Company!!! As soon I received this information the payment was made.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: DC
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$46000.00} XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: U.S. BANCORP
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought airlines ticket from XXXX XXXX XXXX to go to XXXX XXXX. I arrived XXXX but my 2 suitcase did not. I field a report with XXXX  XXXX at XXXX airport. 6 days later my 2 suitcase was found and shipped to the address I was staying in but was damaged and missing items. I reported that to the airlines when I returned back home in XXXX but they denied my claim. I reached to my Credit card company US Bank and the refuse to dispute the charges because I used the ticket to travel but I am disputing the misses handling my the delay, damage and missing items. I received no help or compensation from the air lines. I spoke with my travel agency and they said I should get compensation for the delay damage and missing items. More than 6 reversative from the travel agency has contacted the airlines but no one was able to get any respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: SHABANA MOTORS
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
SHABANA MOTORS After taking out my first vehicle from this business, i stayed up to date with my payments until I got wrecked and paid off the remainder of the loan to this company. After my settlement ( wasnt much after I paid my balance with this business ), i decided I needed a car so I put down {$2600.00} as a down payment. After I saw how much they were charging per month for a used XXXX XXXX with XXXX miles ( $ XXXX, {$30000.00} total value, plus their XXXX insurance ) - might as well be a truck- i wanted to back down but it was too late. I wanted a car, I signed paper after paper and put myself in a predicament that i couldnt get out of. I had a great job up until they decided to cut down on my hours so that there set me back so much. I tried explaining to Shabanna about my situation and they dont seem to care one bit. I lost my job because they decided they want to disable the car. So now they repossessed my car and have no transportation what so ever. These guys are XXXX. I want something to be done about this great company. Always XXXX  in low income XXXXXXXX and ruining their life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I accrued an interest charge of {$32.00} for the late payment of my XX/XX/2021 Bill. This Fee was posted on my XXXX Bill. I paid the XXXX Bill in full by the due date of XXXX XXXX. 
A new interest charge of {$32.00} then appeared on my XX/XX/2021 XXXX. 

The explanation given by the credit card co was that since the interest accrued for the XXXX bill was not paid immediately, it accrued for another month. The fine print on the back of the bill allows this " right ''. I am not disputing this " right ''. Rather I am disputing that nowhere in the XXXX or XXXX bill does it state CLEARLY that the interest charge is to be paid immediately or it accrues for a second month. 

This is a deceptive practice that allows the credit card co to charge interest for 2 months which the consumer could easily avoid with advance notice of such a practice. The fine print is not a clearly stated policy. The front of the bill just states that he total amount is due by X date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-27
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted nationstar in XXXX 2013 about my XX/XX/XXXX payment. I asked if there were any programs I can use for my payment. My son was starting college and he had several fees and charges popping up and I was n't sure how many more were coming. I was advised that I could n't move my XX/XX/XXXX payment to the end of my loan cycle but I could make my XX/XX/XXXX payment over the next four months in equal payments. I made it clear that I could make my XX/XX/XXXX payment and I did n't know if they had programs for college families. It was offered to me as a payment option and not ever was I told it would show up on my credit report as MISSED payments ( three in total ). I did n't pay XX/XX/XXXX as agreed and paid extra over the next four months. I found through XXXX XXXX that I had three missed payments in 2013. I called Nationstar and was told why it reports that way and if I asked the question would it hurt my credit they would have told so. So it was my fault that I didnt ask the right question. I am not happy. I would have made my payment and if needed borrowed money from my XXXXK. The sad part is no more fees came up for my son and this was all for nothing. I thought it was so awesome that this company had so many ways of providing customer service through payment options. I feel frustrated and am thinking of taking my account to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I was ripped off from XXXX ; then found out that they hot wired my car and it could have caught on fire. 
Owner never went over the invoice and charged my card {$2100.00} ; charged me for a warranty that was never given. 
I called Wells Fargo and disputed the amount ; they only allowed provisional credit of {$1100.00} Wells Fargo sent letters in which I took care of I spoke to XXXX on XXXX and he said they needed another opinion in which I provided to them by email this morning Wells Fargo removed the credit and per XXXX, employed by Wells Fargo in the XXXX said my claim was closed XX/XX/2021 even though I had been in contact daily I not only had problems with XXXX but with Wells Fargo

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-06-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
License Number : Address : XXXX XXXX XXXX City : XXXX XXXX XXXX : TX XXXX XXXX : XXXX Phone Number : ( XXXX ) XXXX Person dealt with : Rep XXXX transfered to Supervisor Email Address : XXXX Complaint : I am a customer of the Institution. My Payment due date is the 16th of every month. 

I reached out to the institution spoke to Representative whos name is XXXX, then transferred to Supervisor. I unfortunately I did not get his name, Needless to say he couldn't or wouldn't work with me. He stated that neither he nor I was at fault for the delay in mail delivery, but I will still be penalized. No If and or buts. 

I also inquired if whether their Covid 19 relief that they offed could help being that USPS struggles are likely due to the pandemic. He responded No. 

I have always paid above minimum, XXXX XXXX. 
I have used my credit union bill pay service for more than 15years, NEVER have I had this issue EVER with any other accounts I have set up for my Bill pay send auto payment to XXXX XXXX XXXX on the 5th of the month! Again My check is mailed on the 5th on any given month. 

Being that I am XXXX, on a fixed low income, which is deposited on the 2nd of every month, I really cant mail it any earlier than the 3rd of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please update these accounts as soon as possible. XXXX XXXX XXXX Balance : {$98000.00} ; XXXX XXXX Balance : {$340.00} ; XXXXXXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$2900.00}.

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 explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On approximately XXXX XXXX I called XXXX XXXX bank regarding a balance showing on my credit report with two of my cards that had been paid off since XXXX XXXX. Upon speaking with a representative I was informed that the payments made on my accounts wouldn't update to my credit report until XX/XX/XXXX and XX/XX/XXXX. I explained that I had submitted a dispute through the credit bureau to update my report with current payment information and that XXXX XXXX had reported back to Equifax that the information reported was correct when it was not. The representative went on to explain that the information would update on the corresponding days above and again I insisted that they lied to the bureau by stating that the balance reported was the balance on the card when it wasn't and had been paid off. After going back and forth I asked for a supervisor. After speaking with the supervisor he apologized for the misunderstanding and explained that it was a different department that handled that and I would need to call back on Monday as this was a Saturday. So as time went on I forgot to call back as I was working 11 days straight. So on this morning XX/XX/XXXX I checked my Equifax report and once again the balance showing is incorrect. I will say that this balance is showing only on my Equifax report. So this could very well be Equifax posting incorrect information. Either way I need it fix as it is affecting my credit score.

Company response to consumer: Closed with non-monetary relief