BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: WELLS FARGO & COMPANY
State: NC
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:
I ( a natural person ) was issued a false debt and is steady being violated by Wells Fargo Auto Services. They sent me a letter which I uploaded with the alleged debt and many violations that they broke. I am the original creditor who provided debt and this company keeps harassing me about an alleged debt. 


Take further notice that I am the true creditor Pursuant to 15 U.S. Code 1692a ( 4 ) which clearly states that a creditor is any person who extends credit creating a debt therefore I am a consumer who created the debt via my extension of credit to WELLS FARGO AUTO.

WELLS FARGO AUTO shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Payfare International Inc.
State: MA
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:
On XX/XX/XXXX and XX/XX/2023 my card was charged XXXX for a company called XXXX. My bank was unable to give me any information on this company. Ive tried XXXX  this company and can not find them. Ive tried contacting XXXX. Theyve never heard of them. I asked them to dispute these charges, and they refused. They said that they do not reimburse or cover any transaction used by XXXX XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 had a XXXX card, approximately 16 months, I never had one late payment, in XX/XX/2019 I paid my balance. I went online to view my account today it stated closed. I contacted XXXX, they told me the account was closed not because of my payment history, but because of negative reporting by Transunion. I contacted Transunion, they did not give me a explanation, they told me call XXXX. 

Transunion also has at least 5 other accounts on my credit report incorrect. Transunion shows I have a balance on these accounts which I have paid. I have worked very hard the past three years to improve my credit score. I have nothing in collections. I paid my car off early, which Transunion has also not reported. I was going to apply for a mortgage and Transunion is destroying my credit. 
Finally when I got through to Transunion, it was very difficult for me to understand what the person was saying due to a very heavy accent. 
I am amazed that in the USA this is the poor reporting system we have in place. 
As I said, I was never late with my payments to XXXX, and recently paid my {$1000.00} balance and my account is closed because of whatever negative information Transunion shared with XXXX. These reporting agencies should have stricter overseeing because they are ruining peoples lives. 
Also I paid my car ( XXXX XXXX ) I have no balance it shows I owe {$9200.00}. I owe XXXX. XXXX I paid {$970.00} I owe XXXX, the balance is still there, XXXX XXXX XXXX incorrect balances. XXXX XXXX XXXX, I owe XXXX shows I owe {$600.00} This is inaccurate reporting by Transunion and damaging my credit that I am working very hard for. I have 0 accounts in collection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open an online account with BMO XXXX and the account was denied. The email sent with the declining of my application stated no reason and just stated the account was declined. I spent over an hour on hold this morning calling customer support, and they still could not tell me why the account was declined. We verified all the information and there were no typos or mistakes. This is very discouraging as I am a XXXX  XXXX XXXX employee, I also have stellar credit and no criminal history, quite frankly no reason why I should not be approved for any account let alone a CD. They basically told me there is nothing to be done.

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 2023-06-28
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-03-16
Company: United Shore Financial Services, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Had a mortgage with UMM ( United Wholesale Mortgage ). 
This loan was paid in fill on XX/XX/XXXX I was due for an Escrow refund of {$3700.00} that I have not received. This is beyond legal time allowed for refund. I have called several times to find out where my refund is. I was told the check was cut XX/XX/XXXX and mailed XX/XX/XXXX. 
I called again about a week or so ago and said they should stop payment and reissue a check. I called again today XXXX XX/XX/XXXX XXXX and no check has been reissued as of today. 
I asked to speak to a manager and supervisor and both times I was told that I would receive a call back. I have not received any callback.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Security Credit Services, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to Security Credit Services that they validate NOT verify a debt they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with an unsigned agremeent which does not prove that I am obligated to pay them anything. They have reported unvalidated and deliquent information to the credit bureaus and I am asking that this account be deleted from all 3 of my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX XXXX converation with rep at company 's XXXX  number was told title would be returned within 7-10 business days XX/XX/XXXX converation with rep at local location where loan originated ... .was told " could not separate pieces of a loan.. can not return title to me .... '' they were happy to create a separate loan on the basis of receiving my auto title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-03-17
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I opened an account with Nordstrom in the fall of XX/XX/2019. I've used the card and made payments. I lost my card and ordered a replacement card, and that card number I stored in my phone with other logins etc. That phone was compromised and several accounts were used without my authorization. I filed a police report and identity theft claim with the FTC. The account was removed from my credit report but later added back. I don't wish to go back and fourth trying to dispute the debt, I'd rather take full ownership of the fraudulent purchases and pay the card off in full. Its now in a charged off state wit several late payments and is drastically affecting my credit report. I want to make an arrange to settle the debt it full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo Home Mortgage : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX I recently, 2 months ago received info regarding my mortgage will reset in XX/XX/XXXX as it was a 7 year year ARM.! This has totally caught me off guard as i have never asked for an ARM type of mortgage! My monthly payment will go from {$1700.00} to over {$2200.00} and possibly as high as {$2700.00}! I never asked for this type of mortgage back in XX/XX/XXXX as it was a replacement for an ARM that i already had with another company. I specifically asked for fixed rate as i mentioned and stressed to them that I retiring in 2 years which i did in XXXX. Made numerous call but with no progress. Please see below latest interaction event with them 1. Contacted XXXX XXXX XXXX XXXX in XX/XX/XXXX, she recommended do nothing and wait until XX/XX/XXXX. 
XXXX. Contacted Home Mortgage Main Office in XXXX XXXX in XX/XX/XXXX ( XXXX ) XXXX talked to a rep, then transffered to another Customer Service. Later on she checked with a third department telling me, I have to wait until the increase the payment, then call a department Home Preservation Tel # XXXX they can work on it. Well Fargo wanted me to wait and had no interest in resolving the issue in advance! 

Background relevant Information 1. Loan was taken on XX/XX/XXXX for $ XXXX to replace an ARM loan with XXXX which I was paying {$1100.00} interest only per month. ( Interest rate was 3.3 % ) XXXX. There were no equity taken and the ratio of the loan to the house value was about 60 % way below what they were looking for to secure the loan. 
3. My Current fixed mortgage payment with Wells Fargo is {$1700.00} per month ( Principal & Interest at interest rate of 3.5 % ) 4. I Was told that no house appraisal will be needed due to the very high equity on the house and I am not taking any money out of the refinance. Wells Fargo bank changed this and I was forced to pay for their appraisal. 
XXXX. I have requested XXXX line of credit with the loan and it was verbally approved, but later on found out I was misled and it is only XXXX! 
XXXX. I have requested and made it clear I wanted a Fixed Interest Loan for the following reason : A. I will be retiring with 2 years. 
XXXX I am replacing an ARM type of loan and it did not make any sense to pay all the fees and do another refinance later on. 
XXXX I also had another ARM type of loan from Wells Fargo on a different property and the payment kept on increasing every year and eventually I had to sell the property I feel i was misled and lied on by Wells Fargo whom i rusted and banked with over 37 years!!

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 2021-03-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Around XX/XX/21, I observed fraudulent charges on both my chase freedom and chase slate credit cards. I immediately contacted customer service, who informed me that my credit card had been denied at one merchant retail store, that the thief had attempted to impersonate me but had failed the security questions, and that they had called to inform the representative of a pending large balance. Throughout this, I was not contacted. The purchases were made the week of XXXX. 

The fraud was investigated and although some of the fraudulently used credit was refunded, I was Informed that due to the card having a chip, I was responsible for its usage. I explained that although I had requested new credit cards, I had never received them. I was then informed that my chase Slate card ( which has not been used for YEARS as it is an emergency card ) has been activated before the purchases, indicating to the investigating team that it was in my possession. I was then asked if anybody had access to my card, again, I said no. 

This experience has been frustrating as there was a clear attempt at identity theft and chase did not contact me or freeze any accounts for my security. Furthermore, the fact that I informed them of the fraud and have had to endure questioning which implies that I was somehow culpable for identity theft made an already difficult situation worse. I do not feel the representative was attempting to resolve the issue but was instead attempting to pursuance me of some sort of guilt. Additionally, I have been a chase customer for 11 years and carry various accounts, including my retirement, and have never experienced identity fraud, nor have I asked for assistance from chase in this matter, to receive minimal support during already stressful times is disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Professional Finance Company, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I noticed a collection on my credit report from Professional Finance Company ( PFC ). On XX/XX/XXXX, I sent a letter to the company to verify this debt. Their company received my letter on XX/XX/XXXX. They failed to respond to the letter of verification sent to them. After 45 days passed, I then proceeded to file a dispute with the Credit Bureaus specifically informing them that PFC did not respond to my request for verification. After disputing with the credit bureaus, PFC mailed me a bill with no explanation on how said bill belongs to me. On XX/XX/XXXX, I then mailed PFC again, to explain that the information provided was not accurate and the remove the inaccurate information from my credit report. To date, XX/XX/XXXX I have not heard back from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PORTFOLIO RECOVERY bought the Debt from XXXX XXXX as of last year for two cards in the total amount of {$3200.00} one card is for {$1200.00} and the other capital one card is for {$2000.00} although the debt is nearly 3 1/2 years old. I didn't receive any documentation of my right to dispute or any paperwork for that matter. The next thing I know they're trying to take me for court and they didn't have an amount and no information specifically underlying my " case ''. I do not like the fact that this company is trying to bully me into paying a debt that I do not mind paying but using hostile tactics from a loan that they just bought from XXXX XXXX in XXXX and the debt pre-dates XXXX. ( Default of loans in XXXX ). This new loan has affected my credit score because it makes it looks as though my debt is brand new and it's not. I would like all reports from Portfolio Recovery to be removed since it's not from the original company ( XXXX XXXX ). I understand that Portfolio Recovery Soon after they first contact you, the debt collector is required to notify you of your right to dispute the validity of the debt. Then, you have 30 days to send a debt validation letter requesting proof that the debt is yours. After receiving your letter, the collector must stop collection activity until theyve sent the proof. Portfolio Recovery did no such thing. I never received that nor did I know that I have a window of time to dispute it. I understand that each state and rules may vary but my concern is that these loans will continue to be rebought over and over, as they continue to not only break the rules and keep me in the dark but hurt my credit and lively hood as well. I would like to come to some kind of peacful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: BB&T CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBT frequently blocks access to my account and prevents me from taking money from my account under the pretense of security. Each time they put a block they asked that I step inside a branch with 2 forms of ID and then have to go through the excruciating process of sitting down with a banker and then call the fraud dept which has a 30-45 min hold. I had already stepped in the branch 2 weeks ago and now they are asking that I do that again - because I had submitted a bill pay. It is shameful that they hold customer funds this way under a security pretense.

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 2023-09-17
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting 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 and confidentiality under 15 USC 1681.

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.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items 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

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