BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Subject : Complaint Regarding Payment Handling by Wells Fargo Bank Dear CFPB, I am writing to file a continued complaint against Wells Fargo Bank for their handling of payment irregularities. 

I made a repayment on XX/XX/2023, and after the funds were successfully received, I encountered a second payment, causing an overdraft in my XXXX checking account. Consequently, I contacted XXXX to dispute the duplicate transfer made on XX/XX/2023. 

However, Wells Fargo 's actions are concerning ; they have erroneously classified my XX/XX/2023 payment as an adjustment, technically delaying my repayment by XXXX days and insisting on interest payment. 

I urge the authorities to monitor such rogue practices by Wells Fargo. 

Sincerely, 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 2023-03-04
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 
( XXXX ) DepedXXXX # XXXX {$21000.00} ( XXXX ) DepedXXXX # XXXX {$12000.00} ( XXXX ) DepedXXXX   # XXXX {$10000.00} ( XXXX ) DepedXXXX # XXXX {$7700.00} ( XXXX ) DepedXXXX # XXXX {$7400.00} ( XXXX ) DepedXXXX  # XXXX {$7100.00} ( XXXX ) DepedXXXX # XXXX {$5900.00} ( XXXX ) DepedXXXX  # XXXX {$5700.00} ( XXXX ) DepedXXXX # XXXX {$5500.00} ( XXXX ) DepedXXXX # XXXX {$5500.00} ( XXXX ) DepedXXXX # XXXX {$5300.00} ( XXXX ) DepedXXXX  # XXXX {$4500.00} ( XXXX ) DepeXXXX # XXXX {$3500.00} ( XXXX ) DepedXXXX # XXXX {$1300.00}. 
15 U.S.C. 1681 section 602 A. States I have a 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. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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 explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: MN
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1700.00} ; XXXX XXXXXXXX XXXX Balance : {$40.00} ; XXXX XXXX Balance : {$96.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$10.00} ; XXXX XXXX Balance : {$75.00} ; XXXX XXXX Balance : {$21.00} ; XXXX  XXXX Balance : {$80.00} ; Medical XXXX Balance : {$210.00} ; XXXX  XXXX Balance : {$31.00} ; XXXX  XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$28.00} ; XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
According to my credit report the account was opened XXXX and had a total balance of XXXX. The current balance according to what AMEX is reporting on my credit report is {$1500.00} as an unsecured Loan, Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These above dates and numbers are what are currently being report on my credit report per XXXX, XXXX, and XXXX verbatim The many times that i've spoken to both customer service department, the credit bureau division, the collections division and management for 4 consecutive weeks they have all advised that each department No longer has access to this account. Each branch is suggesting that they once had possession of this account and has since been transferred several months ago to another division to have it serviced. 

I have had several managers document this frustrating matter under my social security # and suggest it will be escalated to the property department. 

Each department claims they no longer are serving this account. IF i need to include the account number let me know?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I have never had an account with XXXX XXXX. Please remove from my credit report as this is inaccurate information. Not to mention, I have sent XXXX XXXX a request to validate the account from XXXXXXXX XXXX XXXXXXXX, showing a printout of the bill however they have been unable to do this. The only thing they provided was a response that they have verified the item, however they've failed to show me how. I have paid XXXXXXXX XXXX  XXXX off shortly after my wedding which means that the balance on the account is incorrect. There should be no balance, therefore no collection account. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, nor did they send the copy of the bill that added up to the charges in their claim, solidifying the fact that this debt belongs to me. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. I will not pursue escalation of the matter upon removal of this erroneous account. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.

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 2021-02-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We recently refinanced our Santander mortgage with a new Santander mortgage. The process began in XXXX was long and drawn out and the communication was less than stellar. However, our complaints center around two items. First the Closing Disclosure document is due to the borrower at least 3 days before closing. I was sent this document by email 53 minutes before closing on XX/XX/XXXX. My husband - who is a co-borrower - was not provided with the document at all prior to closing. 

This led to other issues. I had asked for the principal amount of the loan to be reduced to only cover the amount needed to close out the old loan and cover closing costs. Due to the 4-month delay, this would have decreased our principal by several thousand dollars as the original mortgage was for $ XXXX and the new mortgage is almost $ XXXX. This was not done as requested and, given we only learned this at closing, we either had to postpone closing ( which had already been delayed by months ) or accept the error. 

The second issue is that we were not told not to pay our XXXX mortgage payment for the old loan. Upon review of the Closing Disclosure at Closing, we asked about when to stop paying our current Santander mortgage. We were told that we should have already stopped as they assumed no payment in XXXX when calculating the final payoff amount for that loan. Given closing was on the XXXX of the month and our auto payment goes out that day, I was unable to stop it. So, I paid {$5400.00} to XXXX in early XXXX with no information on how or when I would get that money back. I followed up for the second time with XXXX yesterday ( XX/XX/26 ) and was told that they 'believe ' the money will come back in the form of a check likely in another 4-6 weeks.

I believe this is unfair and deceptive on the part of Santander as they should have told us not to pay the XXXX payment before XX/XX/XXXX. If we hadn't asked, I'm not sure we would have been informed of this at all. Now, Santander will have possession of the almost {$5500.00} for about 2 months - money that is mine and should be earning interest.

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 2023-03-12
Company: NAVY FEDERAL CREDIT UNION
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 information incorrect

Complaint:
I am respectfully taking this measure due to Navy Federal Credit Union not taking a closer look into my dispute filed with them on multiple avenues via : ( them the creditor, XXXX XXXX XXXX, and all 3 credit bureaus ). I was wrongfully accused of a charge off and late payments on my account and they have negatively impacted my reputation and ability to pursue a deserved job opportunity. 

XXXX / XXXX XXXX : Partial loan payments made, not ignored. 

Covid-19 delayed work license upgrade classes pushing my back to work date by over 6 months. Spoke to Navy FederaXXXX XXXX XXXX and they understood my situation and told me directly on the phone and in letter attached they could work with me on payments. Was told on phone a good will deletion of late payments can occur because my circumstances were Covid-19 related. Was told on phone no charge off or missed payment stains would impact my credit report, because this was Covid-19 related and I was making as much payment as I could ( {$500.00} payment, {$50.00}, {$300.00} even {$2000.00} to catch up the dates are truthful examples attached in files ). 

XX/XX/XXXX Maturity Date Email sent to XXXX stating student loan account ending in XXXX is maturing soon and is to be paid off by XX/XX/XXXX. No mention of charge off or late payment consequences. 

My budget was now set to pay loan off early by XX/XX/XXXX. 

On XX/XX/XXXX I showed up to local Navy Federal Credit Union branch near XXXX, TX and paid the loan off a whole week early in full in cash of {$5000.00} Credit reports are now reflecting charge off and late payments on this particular account. The account was undeniably paid in full on time ( early ) and never charged off for the creditors IRS tax write off and into another collection agency. 

Under my signed and disclosing loan agreement I have the legal right to exercise and mitigate any negative times in relation to the loan which does include inaccurate defaulting/ charging off of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$30000.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$97.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$390.00} XXXX   XXXX  XXXX {$620.00} XXXX XXXX XXXX {$1000.00}

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 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$30000.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$97.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$390.00} XXXX   XXXX  XXXX {$620.00} XXXX XXXX XXXX {$1000.00}

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 2022-04-14
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:
On XX/XX/2020 XXXX XXXX  has been absolutely destroying my staggering reputation by reporting false information for years. I have reached out to them numerous times about this situation. XXXX XXXX  Still hasnt fixed there mistakes. In accordance with the fair credit act XXXX XXXX Account # XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX  has used my report improperly for long enough XXXX already deleted this account from my report now its XXXX XXXX Equifax still reporting false information for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Spring Oaks Capital, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon review of my credit report, I noticed a collection for Spring Oaks Capital , LLC. It stated the original creditor is XXXX XXXX XXXX XXXX. Being unfamiliar wit this debt, I contacted the collection agency. I also filed a dispute with XXXX XXXX. I hadn't heard anything back, so I contacted both XXXX XXXX and the collection agency. XXXX XXXX representative couldn't offer any information. I called Spring Oaks Capital, and requested a copy of the documents pertaining to the debt. The representative claimed they were sent when I filed the dispute. I never received anything. I requested hey be sent a second time, and I was told by the representative that they " already sent them ''. After continued conversation, she agreed to request they be resent, and I again never received anything. I called back a 3rd time with the request that they send documents with tracking info so I could ensure delivery information. They refused. To date, I still have no documentation or knowledge of this debt, and Spring Oaks Capital has not cooperated in sending them. I am unsure if I am a victim of identity theft or if this is just a scam, but I do know I am entitled to review these alleged documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019, I walked into the bank to deposit a check at the tellers window, from a trust account ( 95 % of my deposits are from trust accounts, I am a real estate agent and the escrow companies that close the files only use trust accounts by law ). I have made at lease XXXX deposits from trust accounts since banking with Bank of America. This instance, they cleared the funds XX/XX/2019 completely, credited my account the full amount XXXX both checks ) and then took money back out of my account on XX/XX/2019 claiming it was a " hold ''. The letter states the funds were placed on hold on XX/XX/2019 ( which is untrue ) and that the funds will be available XX/XX/2019 ( which violates the Federal law the Expedited Funds Availability Act ). How can they continue to get away with this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: NV
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:
Account name : 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. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX I sent a letter regarding misleading/inaccurate and unknown things on my credit report. To this day over 30 days I have not received a response. Section XXXX1 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. I was also impacted by XXXX data breach and may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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: Information belongs to someone else

Complaint:
this is my 2nd attempt checking the information reported on my credit report with Equifax I am interested in processing disputes of all the incorrect information listed on my credit report. this Information must be removed asap to help correct my file. please review and remove all listed items.

Company response to consumer: Closed with explanation