BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-21
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
Wells Fargo sold my credit account to XXXX XXXX and now is refusing to correct the date of last payment which was XX/XX/2011 or earlier I disputed with XXXX XXXX and they acknowledge and removed but I cant get them to fix XXXX and XXXX Makes no sense why they have it on XX/XX/XXXX if they remove from one should remove from all When they sold the account they did not state correct dates and they are showing me a date with no proof of how I made the last payment so I can verify its incorrect they cant just show any date

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 2023-06-05
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-31
Company: EQUIFAX, INC.
State: NC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: MIDFIRST BANK
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I was unable to access my XXXX account via the mobile app. I had used the app previously with no problems, but on that date it gave an error that my device did not meet security requirements. I called customer service and they suggested accessing the account through a browser. I tried several browsers on different computers and got the same error, but was finally able to log into online banking from an incognito window. The CSR said I would be unable to use XXXX ( my reason for logging in that day was to send {$1000.00} for a car downpayment ) from the browser, and it would only work from the mobile app. She said they would open a ticket and look into the issue and get back to me. I was never contacted about this issue again, but was able to borrow money from a family member to get the needed funds that day. Starting on XX/XX/2021, I was no longer able to access online banking through any method ( an error said my credentials were incorrect ). I called to have this resolved on XX/XX/2021. I was told I would no longer be able to access my account due to " business reasons '' and my account would be closed. I asked to have my funds transferred to another bank and was told they would not be able to access my funds, but sometime after my account closure, they will my me a check. At this time I can not even check my balance or transaction history, and have no way of verifying if they are actually accounting for my funds.

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 2021-07-31
Company: Aqua Finance, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Letter to XXXX XXXX I submitted a letter to the credit card company XXXX XXXX on XX/XX/2021 requesting a refund of the monies paid for a product ( security doors from XXXX XXXX , XXXX located in XXXX, MD ). I submitted a letter to XXXX XXXX on XX/XX/2021 and made several phone calls to the company regarding the dissatisfaction of the product and lack/no response for service from XXXX. A formal investigation was requested with no results of follow up from either company. 

On XX/XX/2021, XXXX  removed the doors for repair as a result of filing a complaint against XXXX XXXX  through the XXXX XXXX XXXX, complaint # XXXX. We were told by XXXX that the repairs would take two to three weeks from date of pick up. During this time, I called an left a message for XXXX to come and repair the wrapping that was left on my home by the company that was improperly installed. I received no follow up communication from the company. 

XXXX XXXX and XXXX and my husband were on a conference call on XXXX XX/XX/2021. In a good faith effort, my husband agreed to have the doors installed on XXXX XX/XX/2021. This did not occur. XXXX called and cancelled. We do not have the doors and no longer want the product. The company has the doors. We are dissatisfied with the product and the lack of service.

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 2023-08-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a simple interest loan through Bank of the West, a BMO Company. The financier at the RV dealership said it was simple interest loan. I confirmed with Bank of the West that it is a simple interest loan, but every time I pay extra on the payment, the interest increases somehow ( even though it should decrease because I have paid down the principal ). I call them twice because I couldn't understand why if I paid more on the account, they raise the amount of interest. This sounds like precomputed interest, not simple. I have called twice to try and understand this and was instructed to send in any principal payments by mail, via check to their principal only desk and mark them principal only. This seems to work, however, when I do this and make the regular payment via my bank online, they apply everything I pay to interest and none to principal. It almost seems like I am being punished for trying to pay the loan off. At this point, I don't know what to do. I am looking to get a loan or refinance through another, reputable company, but I am afraid if I send Bank of the West a large amount of money with intention to pay off, they will apply it to some future precomputed interest. Please help. I can provide statements to reflect what I am experiencing. What is happening seems to be illegal/unethical.

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 2021-07-30
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 SPOKE TO XXXX XXXX WHO PROMISED ME A XXXX AMENDMENT TO MY MORTGAGE AND SHE SAID THAT ALL I NEEDED WAS XXXX XXXX IN THE ACCOUNT. I PLACED THE XXXX IN THE ACCOUNT AND THEY HAVE NOT CHANGED MY RATE TO 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 2018-08-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a victim of theft. An individual ( s ) have accessed my bank account with Wells Fargo, and have drained my account. I believe the charges I disputed were over {$7000.00} in the amount of 48 transactions on my account. There were charges from XXXX and XXXX for {$100.00} back to back and within 1 minute of eachother. My card was cloned. I tried to tell the bank investigator this, but she denied that was even a possibility. I have tried to recoup my funds under the federal class E regulation, but Wells Fargo denies me protection and help to get my money back. I would like a MORE thorough investigation done immediately. My account is frozen, Wells Fargo will not let me have access to any of my money. I am a victim, yet Im being denied protection and the right to access my funds. This is highly unacceptable, as I have a family and young children.

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 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a full-time dental student and a part-time service member in the XXXX XXXX. I am having an issue with getting the Us Department of Education Default Resolution Group to fix the inaccuracies on my credit report. They are reporting data for 11 accounts to the credit bureaus. My student loans went into default on XX/XX/XXXX as a result of being laid off from my job. They were transferred from Fed XXXX XXXX to the US Department of Education Default Resolution on XX/XX/XXXX. First, on my XX/XX/XXXX credit report, the accounts were re-aged which is a violation of the FCRA. The account status date changed from XX/XX/XXXX to XX/XX/XXXX this effectively extended the time that the accounts are to be reported on my credit report. Next, on my Transunion credit report, they are reporting a payment history that shows the same accounts went into collections on XX/XX/XXXX. This is impossible because my loans did not go into default until XX/XX/XXXX. The loans were not transferred to the US Department of Education Resolution until XXXX. They should not be reporting any information prior to that. Also, they are reporting that monthly payment on the accounts even though the accounts are closed. Not only is the information inaccurate, but it also contradicts what is being reported by XX/XX/XXXX. On my XX/XX/XXXX credit report, in the payment history, it is reporting 3 dates for the collection : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again, this contradicts what is being reported by XX/XX/XXXXand Transunion. I contacted the Us Department of Education Default Resolution over 15 times in the span of 2.5 years asking them to fix this issue. They told me that they can not fix the issue and that I needed to dispute with the credit bureaus. I've dispute with all 3 credit bureaus several times via mail, online, and over the phone but nothing has changed. I've been dealing with this issue since XXXX of XXXX and need this issue resolved.

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 2023-10-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a copy of my consumer report and its reporting the two accounts that I previously disputed as verified. Im requesting validation pursuant to the FDCPA 15 U.S.C 1692g of these accounts in addition to providing a description of how you certify that the information was complete and accurate. If you can not provide me with factual evidence to support how the accounts below were verified as complete and accurate, you must delete them immediately. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Please delete this address and any account associated with this address. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Please delete this address and any account associated with this address. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Please delete this address and any account associated with this address. 

XXXX XXXX XXXX This account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 XXXX XXXX  This account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 inquries XXXX XXXX XX/XX/2021 This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have never applied for or done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The company is not licensed to do business in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: ND
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX  Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23
Company: Statebridge Company
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
COMPANY 'S INTERIM RESPONSE Additional time needed Company responded STATUS Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response We Are Here to Help You If you need assistance, contact us immediately at : XXXX It is critical that you work with us on a resolution for any issues that affect your ability to make timely mortgage payments, whether your challenges are temporary or long term. The sooner you respond, the more quickly we can determine whether you qualify for assistance. Options May Be Available The right option for you depends on your individual circumstances. If you provide all required information and documentation about your situation, we can determine if you qualify for temporary or long-term relief, including solutions that may allow you to stay in your home ( refinance, repayment, forbearance, loan modification ) or leave your home while avoiding foreclosure ( short sale or deed-in-lieu of foreclosure ). For more details, please see the attachment on Avoiding Foreclosure. Send Us the Information We Need to Help You Requesting help is the first step. Start by providing information and documentation to help us understand the challenges you are facing. To do this, follow the detailed instructions on the attached Homeowner Checklist to complete and submit your Borrower Response Package to us. Once we have received and evaluated your information, we will contact you regarding your options and next steps. Learn More and Act Now For more information, please see the Frequently Asked Questions and other information provided with this letter. If you need assistance, contact our customer support team at XXXX. Sincerely, Loss Mitigation Statebridge Company, LLC NMLS ID # XXXX this is what has happened. They sent application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: Carvana Group, LLC
State: MD
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 purchased a car from Carvana.com and it was financed by XXXX XXXX -- now XXXX. 

Carvana never took the first $ XXXX from my account and without telling me decided to mark my car to be repossessed. ( after having paid all of my XXXX  payments for 6 months ) In addition to totally being inaccessible, they refused to accept my $ XXXX once I found this out. Never delivered my registration and reported on behalf of XXXX on my credit report that I was late on payment ( which I was definitively NOT apart of the loan for bridecrest that they falsely reported on ). XXXX  removed this after a dispute was initiated. But Carvana still intends to take my car as a repossession. I even offered to give them back the car if they agreed to not write anything further derogatory on my credit report and they have flatly ignored my offer. 

Such XXXX  and am out thousands of dollars because they refuse to accept my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am a long time customer of Wells Fargo. I had a joint credit card and mortgage with them for almost 20 years. 

We paid off our mortgage earlier this year. Our joint credit card was tied to that mortgage so we made the decision to open individual credit cards. 

My husband received a credit limit of {$30000.00} at sign-up. 

I opened my new credit card shortly after he did and received a {$10000.00} credit limit. I have requested an increase twice and have been denied both times. My credit rating is higher than my husband 's, however, no one can tell me why I am declined, or why my limit is so low comparatively. 

I have spoken with Wells Fargo on 6 different occasions over the past 3 months. Yesterday, I was told by the credit underwriting department that the algorithms make these decisions and they aren't able to explain why nor are they able to bypass the decisions made. I have been told that my credit card account is too new to be considered for an increase. 

I am beyond frustrated. Wells Fargo has been dismissive of me, they close out my customer advocacy claim without even speaking to me. 

I feel as though I have no other options to look for support for this issue.

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