BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
This dispute is involving XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) and Wells Fargo Bank, N.A ( Wells Fargo ). 

On XXXX XX/XX/2022, I was approved for a balance transfer totaling {$5000.00} from Wells Fargo. The {$5000.00} was supposed to be paid to my XXXX Credit Card balance. The total balance for my XXXX Credit Card was just over {$10000.00} when this balance transfer was approved. On XXXX XX/XX/2022, I received my Wells Fargo XXXX credit card in the mail with the outstanding balance of {$4900.00}. Fast forward to today 's date, XXXX XX/XX/2022, the balance for my XXXX XXXX has not reflected the payoff amount that was supposed to come from Wells Fargo and still holds the {$10000.00} balance. 

I contacted a representative from Wells Fargo customer service team and was told that the funds were electronically deposited into a XXXX XXXX XXXX account for {$5000.00} on XXXX XX/XX/2022. I do not have an auto loan with XXXX so I called XXXX XXXX  customer service and was told that there is no Auto Loan account with my information and that they have not received any funds from Wells Fargo. I then contacted Wells Fargo again and spoke to another rep. After explaining my situation again, this time I was told that this issue will be looked into and I will hear back from a service agent within 90 days. When asked for a dispute number that I can reference, I was told that there was not one and that there will be a note in my file. How do I truly know that my situation is being worked on if there is no way to reference my issue? 

XXXX XXXX  is denying to have the funds, while Wells Fargo is adamant that the funds were successfully deposited. In the meantime, I am responsible for making payments for an extra {$5000.00} that I never received, in addition to taking the hit on my credit score due to an extra {$5000.00} balance that popped up.

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 2015-04-30
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was a current student at XXXX college. The financial aid represntive called me out of class to tell me I did n't have enough funding from grants and student loans to cover my books and said she did n't know how else I was gon na pay for them or continue classes without them or a payment for them. She continued by saying I need to take out a Genesis student loan that would also be payed directly to the school. She filled out an application on line for me. She called them and worked out the details and had me sign up for loan. She said since I was n't working at the time that this would be the best way for me to get my books. I have been paying back my loan. The school has been shut down and now that loan has paid for books and classes I did n't get to finish. The school has shut down and I am still left with the payments on the money the school received for a degree I never got to complete.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Clear Mortgage Capital, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed my refinance with Clear Mortgage Capital in mid XXXX. The Clear Mortgage team advised me in all payments and timing and I followed their guidance. I just received a letter from my previous lender stating that my payment has been missed and will be reported on my credit. I have now found out that my previous mortgage has not yet been paid off even though I closed the refinance and paid all funds upon closing. I am being asked to pay an additional {$1000.00} in order to payoff the previous mortgage. Clear Mortgage has been very difficult to work with and communicate with once I found these issues.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-14
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: Investigation took more than 30 days

Complaint:
I purchased a vehicle from XXXX XXXX XXXX XXXX XX/XX/2012 made payments of {$290.00} a month after having the car less than a year I have spent over {$8000.00} on repairs I contacted XXXX XXXX XXXX XXXX   because now I was told by a mechanic I needed a new engine estimated to be around {$4000.00} They agreed to let me have the car towed to the dealership because it was not able to drive it and give them the car back. I found out they had nver put a title in my name or applied any of my payments towards to principal of the loan.

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 2023-07-05
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  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 XXXX States : A consumer reporting agency can not furnish an account without my written instructions. 

I never gave my written consent for the furnishing of any of these accounts. 

My associates and I will pursue {$1000.00} per violation if the accounts are not deleted immediately.

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 2018-05-14
Company: National Recoveries, Inc.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I asked for a 'Hearing ' and they made a determination without including me in the 'Hearing ' itself. They are adding all sorts of late fees and other charges to this account which I feel is fraudulent. I sent this company documentation which they didn't receive even half of what i sent, which i sent to them via XXXX XXXX and I have a record of this. Is there no statue of limitations on a student loan which I got absolutely NOTHING out of but more bad credit and threats. This story goes on and would like to start from the beginning but will wait for response first.

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 2020-08-26
Company: CITIBANK, N.A.
State: NY
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 have a loan with DSNB MACYS, XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DSNB MACYS,  XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2023-08-19
Company: Experian Information Solutions Inc.
State: VA
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 SECOND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$7600.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$3900.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$6800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
hello there to whom it may concern on XX/XX/2022, I had extended my credit towards purchasing a new are used vehicle I was denied after a few days later I started to receive mails of adverse actions stating that they were unable to grant me credit after checking my consumer reports I saw derogatory information that was no supposed to be on a consumer report pursuant to 15 usc.1681 This means federal laws has been broken which is a violation of my consumer rights. I had disputed these items with Equifax which keeps coming back verified/factual I was never a part of the initial investigation or the reinvestigation I wasn't given a chance to to deny these alleged allegations these grave mishaps of Equifax are hindering me and my family from enjoying life as a consumer I am willing to look away if they remove these items or I will further escalate the matter i have given Equifax more than enough time to correct these errors. Equifax refuse to compile see exhibit A & B Thank you for your cooperation the consumer naturally person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: NAVY FEDERAL CREDIT UNION
State: PA
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 contacted Navy Federal Credit Union regarding an unauthorized transaction on my account. Date claim was placed with the credit union was XX/XX/XXXX ( Saturday XXXX XXXX ) but was sent a letter on XX/XX/XXXX ( Monday ) ( so in two days over the weekends ) and didnt get the letter until XX/XX/XXXX in the mail telling me the complaint was unfounded. They completed an investigation and denied my claim. Navy Federal Credit Union instead of completing an investigation regarding my claim of unauthorized charges. 

Today I spoke with XXXX ( Fraud Supervisor ) at XXXX XX/XX/XXXX, regarding this and she said it will take 3-4 days for them to reinvestigate the issue, however if the initial dispute was done in under 1 day why would it now take 3-4 days to " further investigate ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Early Warning Services, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing to dispute the debt that XXXX XXXX  is attempting to collect from me, based on the Michigan statute of limitations on debt and 15 USC 1681b. The debt in question is a secured credit card. 

According to the Michigan statute of limitations on debt, the statute of limitations for the type of debt in question has expired on XX/XX/2022. Therefore, XXXX XXXX is no longer legally permitted to collect this debt from me. 

Furthermore, the Fair Credit Reporting Act ( 15 USC 1681b ) states that after seven years, negative items on a credit report must be removed. As the statute of limitations on this debt has expired, your company is not permitted to report this debt to credit bureaus, and any such reporting is in violation of the FCRA. 

I demand that XXXX XXXX immediately cease all attempts to collect this debt from me, as it is time-barred by the statute of limitations. I also demand that you remove any negative items related to this debt from my credit report. 

If I receive any further communication from XXXX XXXX regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action. 

I would appreciate a prompt response to this dispute, including confirmation that you will no longer attempt to collect this debt from me and that you will remove any negative items related to this debt from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: United Shore Financial Services, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was originated with United Wholesale Mortgages on XX/XX/XXXX, I was always on time with payments. On XX/XX/XXXX, my loan was transferred to XXXX XXXX  which I made 2 payments and yet to reflect on credit report of the loan. I received a letter stating my escrow account is at a deficit of {$2500.00}. My taxes and insurance amount is still the same and on their escrow records have months where there is a zero escrow deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2023 I was approximately 75 days behind on my mortgage when I agreed to make payment arrangements for the next 3 months ; XXXX, XXXX, and XX/XX/2023, to get caught up on my mortgage, and while applying for a loan modification. 
Complaint # 1 : The 1st payment was to be auto-drafted on XX/XX/2023. I called a day ahead and made the payment over the phone. The representative didn't advise me that I would need to cancel the pre-arranged auto-draft, therefore, Carrington Mortgage drafted another payment the next day, which resulted in a cancellation fee administered by my bank ( {$30.00} ). I luckily caught the extra payment before the payment posted and was able to cancel the pre-arranged auto-draft for XX/XX/2023. For the XX/XX/2023 payment, I called ahead of time and made the payment by phone and was not auto-drafted a 2nd time as in the previous month. I also checked the status of my modification, and was told it was still in process and to keep checking back once a week, which I did up until the next complaint... 
Complaint # 2 : I called Carrington Mortgage XX/XX/2023 to check the status of my loan modification, and was told I was approved and that the paperwork was mailed to me. I explained that I hadn't received the terms of the modification and asked that they be mailed to me again. The CMS representative went over the terms, by phone, of the modification stating my next payment due is XX/XX/2023, and said she would send the modification terms again. I called a week later ( XX/XX/XXXX ) explaining I still didn't have the paperwork to sign and confirmed with the CMS rep that my next payment is XX/XX/2023. I called again XX/XX/XXXX, confirmed a XXXX time that my next payment is XX/XX/2023 and that I still haven't received my modification terms. To this day, XX/XX/2023 I still do not have my modification paperwork to sign. 

In all of my communications with CMS, I was never advised that since I was approved for the modification that I could cancel the XX/XX/2023 pre-arranged payment agreement. I was only told that my next payment is XX/XX/2023, making me believe that all previous arrangements were replaced with the modification. They auto-drafted the pre-arranged amount on XX/XX/2023 of {$1700.00} from my bank account, leaving me with XXXX in checking. Again, overdrawing my account and leaving me with overdraft fees ( I don't have the exact amount of those fees yet, as I'm trying to work with my bank to waive those since I've never had overdraft fees until now ). CMS has put me further in debt/behind due to their lack of/poor communication, which will likely prevent me from catching up on anything now. 

I ask that you please look into this and help me get my money back, so I can get back on track XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this CFPB Complaint to formally request an investigation and correction of the listed accounts that appears to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. XXXX XXXX Balance Owed : {$0.00} - You are reporting a different information from other bureaus. This account is only reporting in your bureau. If your record keeping had been accurate, this account should have never been erroneously reported. Per FCRA, reporting of account information must be accurate ; I need this account removed immediately. Thank you. XXXX XXXX XXXX Balance Owed : {$40000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.

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