BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: WESBANCO BANK, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on our construction to perm loan on XXXX XXXX XXXX with Wesbanco Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX : XXXX XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Office : XXXX Fax : XXXX. Around XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX reached out to inform us that she was putting our package together to send off for our building permit and she reviewed our draw schedule numbers against the estimate numbers we signed off on in XX/XX/XXXX and noticed a $ XXXX discrepancy. In several attempts to work with Wesbanco to determine where the discrepancy lies to no avail. After multiple conversations and email exchanges with our builder rep, real estate agent, and the real estate contracts XXXX all analyzed the information and documents only to come back to Wesbanco needing to verify some information ( see attached ) which they have not been able to do to date. Below are the questions we have been asking Wesbanco for weeks now and they have not been able to verify or deny : XXXX. The lot contract was for XXXX XXXX XXXX for {$140000.00} ( your attached appraisal says the purchase price was {$150000.00} ) do they have something showing how you got the purchase price information? 

XXXX. The construction contract between ourselves and XXXX was originally for a property on XXXX XXXX with a price of {$800000.00} ( this is the same amount as the XXXX XXXX mentioned in your " Contract '' information on this appraisal ). Does WesBanco know how it was missed that the property reference was wrong for the construction contract vs. the property they were appraising? 

XXXX. The construction XXXX had an addendum that happened after we went under contract for XXXX XXXX XXXX ( but before the appraisal date ) that updated the construction contract property reference AND updated the options. There was an additional cost of {$23000.00} with the XXXX XXXX contract. We need to verify if it is correct to assume the appraiser didn't have this list of upgrades/features when doing the appraisal. And, if not do our upgrade features affect the appraised value? 

In addition, we have asked verbally and in writing for a copy of our full consumer file from WesBanco and Wesbanco has not provided the file documents to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report

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 2023-01-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo advertises that they may make funds available for direct deposit payroll checks two days early for payroll checks, pensions, and government assistance checks. 
Since XX/XX/23, I have received my payroll check two days early into my account. I work for a government agency. Due to this, I was under the impression that would be the process going forward. I then scheduled bill payments based on this. This is a pay week for me and I believed the money would be in my account on XX/XX/23 as they have practiced this in the past. The actual pay date is XX/XX/23. On XX/XX/23, the money was not applied and I incurred overdraft fees based on the bill pay I had scheduled. On XX/XX/23, I contacted the Wells Fargo Customer service line and spoke with an agent. The agent stated that the two day early funds program is not guaranteed and is not always available. I understand that and the same verbiage is listed on their website, however this a is payroll check from a government agency in which the funds have already been sent. There is no difference in the account of where the payroll check is coming from nor is the amount different. I am paid the same amount every two weeks. It is not best practice to allow early deposits on some payroll deposits and not others on the same customer account. I asked for the overdraft fees to be reduced and the agent would only give a partial credit. When I ask for a supervisor, the agent stated that they could send it for another review while I was on the phone with them. Then the agent came back and credited the entire amount. Wells Fargo continues to enter into deceptive practices that marginalize those who make minimum wages and struggle to pay bills. I plan my bill paying around the days when I have seen the funds available. I will tell you I will never make that mistake again, nor will I rely on Wells Fargo to make my funds available early. At this point, they are making it look like they are helping their customers by offering early pay day but that is not what is truly happening. If I had not pushed to speak to a supervisor and accepted the partial credit, Wells Fargo would have profited off the mistakes I made due to believing that they are truly doing the right thing with their customers by offering early bill pay. Consumers should be educated on this practice and how it can be deceptive since Wells Fargo picks and chooses at their leisure to provide a consumer with the funds early or not. There needs to be a standard that is followed to see that once a consumer receives funds early, this would be the case with every payroll check going forward.

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 2023-02-13
Company: Lendmark Financial Services
State: WV
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I've had this loan since XXXX. I've paid consistently on it for 5 years but the interest rate is so high it never goes down. I haven't owned the car this loan was taken out for since XXXX. It was a lemon so i went upside down on it. Even though I've consistently tried to make payments on this account it is no longer worth it with the harrasment i receive from them. They call me 30 times or more per week.. 7 or more times per day. I've tried refinancing through them but they give me an even higher interest rate. Somewhere around 27 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Freedom Mortgage 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:
Freedom mortgage reported that our Mortgage was late for XXXX months XXXX and XXXX of XXXX, and that there was not a final payment at the end of escrow. 

We filed a dispute with them saying everything was current including all our payments to them. 
THey investigated it and found out that we were correct and that they were going to correct this and report it to the credit agencies. 
THis never happened. 
THe other was that we had missed a payment in XXXX of XXXX We sold the house in XXXX and we asked them if we had to make the XXXX payment and they said no, that it was covered in the escrow that was going through and not to worry. 
THey investigated this as well and found the recording of the representative who told this to us and cleared this up as well. The only problem is this was cleared up in XXXX and still has not been corrected. 
I called them yesterday and the representative on the phone said she saw the evidence that we need and said she would send a letter via email supporting this. As soon as i receive this i will submit this to the case. 
Please help us we are trying to buy a house and this is stopping our progress. 
Thank you 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 2023-02-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My nephew purchased a vehicle in Alabama on XX/XX/2023. I reached out to Credit Acceptance Corporation, the finance company on XX/XX/2023, to make a formal complaint regarding the predatory practices regarding the purchase and loan. My nephew and I received both a telephone response and a letter on XX/XX/2023, after the company 's review of the complaint. In the letter, my nephew and I were told that the review showed that by signing the contract my nephew agreed to all statements listed within the contract. The issue with the loan contract was based on fraudulent information received from the car dealership where the car was purchased. First and foremost, my nephew did not have a valid driver 's license when purchasing the car which prohibited him from being able to obtain the insurance required for the loan. Second, the insurance listed on the loan application was provided by the dealership, XXXX XXXX XXXX XXXX, and, not my nephew. The salesman at XXXX XXXX XXXX XXXX called and secured a fraudulent quote from XXXX XXXX without my nephew 's approval. This information was then provided to Credit Acceptance Corporation as proof of insurance ( and inferred proof of driver 's license ). I sent Credit Acceptance Corporation a copy of the quote sent to me by the salesman with his handwritten notes regarding the insurance information. Credit Acceptance Corporation also reviewed this information and after their review telephoned me with their response stating that there was not enough information to discredit the car dealership and that my nephew must adhere to the signed loan contract. I continue to believe that this entire process was predatory and feel that XXXX XXXX XXXX XXXX and Credit Acceptance Corporation have engaged in dishonest practices and possible coordination.

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 2022-12-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXXXXXX XXXXXXXX  I started the dispute process for 4 accounts that have reported errors to my Equifax credit report. I sent my letter directly to Equifax and waited the required 30 days when I did not receive a response I sent them a 2nd letter advising that I had sent a dispute and provided them proof that the letter was received along with a copy of the original letter and my photo ID and proof of address. And waited another 30 days and still have not received a response. I gave them additional time due to the holidays to respond to my disputes and they have yet to respond. So I am filing an official complaint. It is my understanding that under the Fair Credit Reporting Act if the credit bureaus do not respond to my dispute within 30 days, the items disputed are required to be removed from my credit report. Attached to this complaint is a copy of the original letter I sent as well as the 2nd letter and proof that both letters were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: WELLS FARGO & COMPANY
State: MN
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:
My WF Visa credit card information was stolen and {$2300.00} fishing depth finder was purchased with it. The item was shipped by XXXX to my home where someone else signed the name " XXXX '' and the XXXX driver gave them the package. The item was ordered with an a XXXX  account using my full first and last name, that is not my email address. My name is not XXXX and I was not home when the item was delivered. I have opened a police report to investigate this fraudulent purchase. Wells Fargo denied my claim and my appeal.

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 2023-01-19
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX -- - DELETE THE LATE PAYMENT ONLY XXXX XXXX -- -- DELETE THIS ACCOUNT! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX committed fraud I filed for the credit protection insurance on both of my cards from them when hurricane Ian it and I couldnt go to work for a few months and they stole the insurance money and refused to put it towards my accounts and there still trying to force me to pay it and they are making false reports to my credit file.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I've reached out to different reporting agency 's throughout the year of XXXX, from XXXX for them to report the correct address and employment,

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 2023-06-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-09
Company: ID Analytics, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1.XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I notice these unauthorized accounts and I have not authorize any of the following to pull my credit and I would like them deleted. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. Synchrony PaypalXXXX XX/XX/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