BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased and financed my home through wells fargo the first time in XXXX. I have refinanced twice with them. Wells Fargo has the wrong address on my mortgage. I have tons of documents and XXXX from the closing process from their lender stating this was taken care of. I started the formal complaint process with them XX/XX/XXXX. My property has XXXX houses on XXXX tax lot. My address ( the main address ) is the one that should be listed on all documents. This is a huge problem when paying taxes and insurance from escrow. 
I have been through over 23 phone calls, 3 executive reviews and many phone calls with the county. 
XXXX, XXXX XXXX land use office said Wells Fargo never asked what address was the correct address for the property. He shared all he had from Wells Fargo 's investigation investigation. He agreed Wells fargo was incorrect. 
XXXX XXXX and XXXX from the XXXX XXXX land development agreed with me that Wells Fargo has it wrong. 
XXXX XXXX assessors and tax office concurred Wells Fargo has it wrong. 
Wells fargo themselves admitted they had it wrong by looking at the documents from the previous two times I have financed this property with them. This a major problem as they are not paying my taxes or insurance properly without my intervention. This resulted in me coming within days of my homeowners policy being cancelled. This will continue to be an ongoing problem as I will have to make sure they pay things to the correct place and account every time. The third and final executive review left me no other recourse but to report them. They have reputedly asked me for proof of address change- There has been no address change in my 20 years of living here. I am beyond disappointed with them.

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 2023-06-09
Company: EQUIFAX, 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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: SYNCHRONY FINANCIAL
State: OH
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: Problem with personal statement of dispute

Complaint:
I opened a credit card through Value City Furniture/Synchrony Bank for the purchase of a couch. I made my monthly payments on time and have owed a XXXX balance on this card for SEVERAL months prior to receiving a letter on XX/XX/2021 from Synchrony Bank stating they decided to close my card due to reasons that do not apply to me. I haven't owed them, I paid on time and yet months later they ran a credit score on me and made the decision to close my card based on my score being XXXX ( which their documentation states XXXX is within range ). So they damaged my credit score further by this decision. I want that corrected. Customer service told me today when contacting them " no one will ever be able to fix the error, the business decision was made based on the details in the letter, I can not help you ''.

This is BAD business to damage my credit when I was paid in full and on time with this bank. There seems to be no one to contact within the bank that made that decision to appeal or discuss this with, also BAD business. 
I recently was diagnosed with stage XXXX XXXX XXXX and owe approx. XXXX in medical bills. Other than that I pay my bills on time so why can a bank take from your credit but not repair a problem or points back when a consumer doesn't warrant the bad credit mark? Who can I report Synchrony Bank to for making this decision and damaging my credit score when I was paid in full with XXXX balance?

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 2023-06-09
Company: EQUIFAX, INC.
State: LA
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:
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbal, and nonverbal, per 15 USC 1602 effective immediately. The privacy act of 1974 explains that it is illegal to report private information. Also I have sent motionable instruments XXXX XXXX, previous to this complaint, not only did they keep the instruments but they did not reflect the payments to my account. 

This company has also been contacting me regarding a debt. I have received letter in the mail to include the one attached explaining they were going to reposes the vehicle. 

This has been really trying for my mental health as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: Bridgecrest Acceptance Corporation
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My car was totaled out on XX/XX/XXXX my insurance had the total loss settlement done by the XXXX the same day my self and insurance company called Bridgecrest letting them know to send a title with XXXX name on it I order for a check to be sent. Everyday I called asking had it been done and it didn't. Finally on XX/XX/XXXX I made a conference call with insurance and they said they requested it as of that day. I'm not sure why it took 13 days to do so. Now I am two months down the line and still waiting on this issue to be resolved. There total loss department does not have contact information for the public. I get the run around from there employees. Today XX/XX/XXXX I called and they can not locate the check my insurance sent over. I'm still responsible for the car. I have to keep continuing to pay {$240.00} every two weeks. They have been prolonging this issue changing and adding to my pay off amount having the interest go up on this car loan. Resulting in me not being able to get another car. No supervisor is ever available to speak with. I have maxed out all my efforts with this company with trying to have this issue resolved in a timely manner. I have phone logs and recorded conversations with this company for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-09-17
Company: Bread Financial Holdings, Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
During an " owners workshop '' meeting at a XXXX XXXX in XXXX XXXX, NV, the XXXX sales person opened a Comenity Vacation club credit account in my name without prior discussion or approval. We were unaware of this until after returning home and receiving the bill for {$30000.00} in the mail. Upon calling, I was told that I was past the 10 day limit to recent this purchase. I had struggled for over a year to pay the $ XXXX monthly payment. The card also came with a 20 % interest rate. I was finally able to get Comenity to place me on a hardship program due to loosing my job during the pandemic, which lowered my payments to $ XXXX monthly and 0 interest for 5 years. After many failed attempts ( and over {$20000.00} gone from my savings ) to get XXXX to cancel this membership, I formally began a dispute process with both XXXX and Comenity. I received a letter from Comenity stating that I have successfully completed the special Vacation club credit long term program and my account would remain permanently closed and reflected as paid in full on my credit report. I also received two bills showing a balance of - {$8000.00}. When I called Comenity to inquire about a refund of the balance shown, I was told that the letter w as sent by mistake and that I have a balance of {$21000.00} to be paid on the account. I am still on formal dispute with XXXX for their deceptive, fraudulent, and aggressive sales tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, I recently pulled my reports and noticed you are reporting is incorrect for this account ( CHRYSLER CAPITAL- XXXX ). Because of the following information by your company and XXXX, XXXX, and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 
1. Incorrect credit limit 2. Last Verified incorrect 3. Date of Last Activity are all different 4. Closed Date missing 5. Charge off account showing currently showing past due 6. Last Payment are all different 7. Term Length missing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I appreciate the actions made by the XXXX, XXXX and TransUnion Credit Bureaus. But there were still many items that I needed the respective credit bureaus to remove from my XXXX credit reports. Here are the list of items that I need the Credit Bureaus to remove. I am humbly seeking the help from CFPB to make sure that these items below are removed : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-09-16
Company: TransferWise Ltd
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I used XXXX to transfer XXXX dollars from my US account to my account in The XXXX ( XXXX ). Because there was a lack of funds in my US account, there was a chargeback that occurred after the transfer was completed. This left me owing XXXX XXXX dollars but I did not notice it. 

On XXXX, I noticed the amount owed from the transfer and contacted XXXX 's customer service line. The agent explained to me the situation. I asked if I could use my XXXX account to pay the XXXX dollars in Eur. The agent told me that this was not possible. I explained that I had to move a large amount of money from my XXXX account to my US account to service a US-based debt, with a payment date of XXXX, not related to this transaction. I asked the agent if I could transfer XXXX Eur from my XXXX account to my US account using their service then pay them in dollars. She stated that this would be an acceptable way of paying. I initiated the transfer on XXXX. 

I was then contacted by their debt collections team on XXXX stating that the transfer had been placed on hold due to the outstanding debt that I owed them. I attempted to contact their team via their customer service chat. Each day I was told that they could not contact the team directly and I had to wait for them to process my complaint. On XX/XX/XXXX I was contacted via email from their debt department stating they could take the XXXX dollars in equivalent Eur from the transfer. I contacted their customer service team stating that this was fine however I needed the transfer expedited as I was already past due on my US-based loan. I did not hear from them until XX/XX/XXXX stating that I needed to create an additional transfer request in the amount of XXXX Eur. on XX/XX/XXXX I contacted the customer support team as I was going to be charged an additional XXXX Eur in transfer fees from doing it this way. The agent stonewalled me and stated that they didn't have any answers for me. I requested to speak with a higher-up customer support manager but was denied. 

I understand that the original issue was because of me. However, due to XXXX XXXX customer service agent 's incorrect information, this transfer was placed on hold and I am now overdue on my loan. I have incurred additional financial harm via late fees and now an additional XXXX Eur in additional transfer fees due to their customer service agent 's incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We booked a trip through XXXX which was cancelled do to the pandemic. We have an email of cancellation. We never received refund and after repeated calls were told by XXXX verbally, that any trip plan that was cancelled will receive credit to use toward another trip when XXXX border re-opens ( as we were flying out of XXXX ). When the XXXX border finally opened, a few weeks ago our credit was already expired. I contacted XXXX  and American Express which we used to purchase trip, and have been given the run around. Please help, Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Services notified me in XXXX of this year they had purchased my VA mortgage loan from XXXX XXXX. I immediately sent them notification regarding my insurance company, their address and phone number. 

I received a letter from Carrington dated XX/XX/XXXX of this year indicating they had not received evidence I had hazard insurance and threatened to buy insurance for my property ( at elevated rates, of course ). 

When I could not immediately reach my insurance agent I called my insurance company 's home office ( XXXX ) and spoke with a young lady named XXXX who said she would fax them a copy of the Declaration Page that day. 

At that time I also send a copy of the Declaration Page to Carrington by snail mail as a back up. 

I reached my local agent, XXXX XXXX XXXX, on or about XX/XX/XXXX. She assured me she would immediately fax Carrington the Declaration Page at the phone number listed in their request letter. 

On XX/XX/XXXX a review of the status of my insurance policy remained listed as unpaid and Carrington was still requesting the same Declaration Page submitted to them at least three times previous. 

Today I again submitted for the 4th time the Declaration Page which Carrington refuses to acknowledge. This I submitted the requested documentation through their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 did not authorize these inquiries witch are as follows, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  all were on the date of XXXX XXXX..This aint me I need these removed I tried to call trans union and they did not give me no help I had answered all ther questions and did all the steps and they still gave me a hard time that is why I am contacting your company to let know this is not fair no right I even explained to them that under the FCRA legally these unverified & unauthorized items Must be removed!! And they still did not help me

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} Medical XXXX Balance : {$73.00}

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 non-monetary relief
Consumer complaint received 2021-09-16
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX- This is a complaint against the XXXX XXXX which I was never able to use even once. I spoke with their employee ( s ) but I can't remember their name ( s ). They had my ID during the whole process. I was offered gifts such as cruise, trip to Hawaii, free points, etc which I never received except for a brochure, that's all. They told me I was actually making a good financial investment and promised things would be positively different each time things got worse. The person I dealt with kept going back to mgt and they would come back, like they were actually getting an approval in order to grant me the price being offered and then I get pressured & rushed when they said it's my last chance at the lowest price. Everything was felt rushed especially when they didn't even gave me ample time to read through the contract and understand it's contents so I can make myself fully aware of what I'm getting into. I was XXXX XXXX XXXX at the time, I felt my age was taken advantage of and was used to put pressure on me easily. They also had me open a credit card for this. I wasn't properly educated of the whole cancellation process, there were information that were withheld such as not informing me as to how many days to cancel. I'm having financial difficulties due to this timeshare especially right now with the situation we have on Covid, and having this timeshare just makes it worse and hard for me. It's been very stressful having to deal with this and any questions I try to ask, I can never get anyone to talk to & they never call back to provide assistance. This caused me work stress, issues like possible closure of school and unemployment. I even lose sleep over the stress of this timeshare because it was a huge mistake, and it only worsen my situation since I am the only one paying. I was never able to use this not even once, all I got is being stressed out ever since I had this timeshare. I was simply defrauded, lied to and was taken advantage of.

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