BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-30
Company: WELLS FARGO & COMPANY
State: TX
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:
XX/XX/2021, I received an email saying XXXX was charging me some fee for buying something when i didn't buy anything. So I called the toll free number on the email and a person answered. They said log into your account and we can return your money back costing {$9000.00} as soon as I logged into my account thinking they will reimburse me, instead the people online were transferring money from my credit card to a XXXX  account. Once I made a complaint with Wells Fargo of what happened, they didn't acknowledge the complaint and said it was my fault and it's my responsibility to pay it. I told the bank ( fraud department ) of what happened and I told the bank XXXX fraud department ) didn't authorize anyone to transfer money nor I didn't know who was all transferring the money or where it was being transferred to. 

XXXX XXXX, I went back to Wells Fargo and reported fraud. Although the department once again denied me because they said since the transfers happened within my online access... the bank says it looks like i authorized it to whomever but I even told Wells Fargo, I don't know them and why would I report my own fraud ... .I wouldn't report fraud. I seriously dont know who did the transfers. I am vey dissatisfied with Wells Fargo,

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2017-04-05
Company: Apex Resolution Group LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have been receiving robocalls from this company Apex Solutions. On Monday, XX/XX/2017, I received a voice mail from this company. It was a man 's voice and he stated ( I believe this was the middle of the conversation ), " full restitution. This will lead to your last known employer being contacted and will affect any current deposit accounts you may be using. '' The man then left a phone number and repeated it twice. I called the number on Wednesday, XX/XX/2017 and spoke to a lady that did not give me her name. I asked about the threatening voice mail and she said it is a prerecorded message. I asked her do they use this to call all people who have a debt? I told her it was a threatening voice mail and she hung up on me. The call back number is XXXX. They are collecting a debt for XXXX. I believe this debt may have been discharged in bankruptcy court. I have saved the voice mail and can email or text it. This company calls 2 or more times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
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:
I have tried rebuilding my credit so I pulled a credit report for all XXXX major credit bureaus and there is a credit card from XXXX XXXX XXXX  that keeps showing up from a credit card company called XXXX XXXX. I have never ever applied for this card, received a card like this or opened up this account. I have disputed this account on all credit bureaus. They sent it to a collections agency and I explained this to them also and since then they have now changed the status to a charge off and now its reporting that I am currently delinquent. Noone will help me get this removed and its ruining my credit to the point where I cant rebuild and I am a spouse of a XXXX XXXX service member in the military. The collections company reporting this information is called XXXX XXXX that this account was sold to collect this debt in the amount of $ XXXXWhen I called XXXX XXXX they tried to bribe into paying this debt and I refuse to pay a debt that is not mine. I believe I was a victim of identity theft because I did not open this account and I keep on disputing and every time I do they say this information is correct and it isn't. XXXX XXXX is the original creditor. I need help please getting this 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 2017-04-07
Company: Freedom Mortgage Company
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Good afternoon, My name is XXXX im having various issues with my mortgage company " Freedom Mortgage '' this is the second issue with them I paid them {$1600.00} on XX/XX/2017 now their stating that they never received the payments I show them my bank statements and had my bank send over the proof the took the funds out my account..Now they keep calling me asking for the same paperwork they have in systems.. I 'm starting to think someone for the company has been stealing my payments so I call lose my house ... I 'm a fairly new homeowner it 's been a rough year dealing with Freedom mortgage ... They are creating a hardship for me and my family it 's been a long year now going back and forth with them about money ... Please please 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 2021-01-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax, XXXX  and XXXX  have abused their position of being consumer reporting agencies. With the misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with the boundaries of FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
My husband and I applied for an equity loan with Navy Federal. We were prepared but had to wait for an appraisal on our home. We applied for XXXX. Based on prior homes and XXXX XXXX taxes we are paying taxes access at XXXX the appraiser came out and said our house was only worth XXXX. He accessed our home accounding to XXXX bedroom homes in our community. He knew we have a XXXX bedroom. He even took pictures of all the rooms. We filed a n app ; eal with Navy Federal. They were surposed to make a decision in 5 days. We have not heard from them. We were assigned a loan officer and she wo n't even return our calls. I want them to send someone who will do the job right olr refund the money charged for the Assessment and want to be fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: CO
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:
I sent XXXX, Equifax & XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries & the METHOD OF VERIFICATION to be sent to me ( FTC ID Theft Report # XXXX & proof of service attached ). These FTC ID Theft Reports and requests for validation and Methods Of Validation were received on XX/XX/2021, XX/XX/2021 & XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, I have not received any proof of validation nor any written Method Of Verification from XXXX, Equifax nor XXXX. This is in violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
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:
This is to inform that my credit report has been used inappropriately and this violated my consumer right, this companies violated my consumer right. 

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  ( bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitted a letter on XX/XX/XXXX, requesting the removal of unknown accounts and inquiries from my credit file. Today, I learned that these items should have been removed no later than 4 business days after that date, according to FCRA 605B ( 15 U.S.C. 1681c-2 ). These errors are significantly affecting my credit score, and I demand immediate correction in accordance with FCRA. As I previously stated in my Complaints, I am reiterating my request to remove the specific items listed below : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I want to emphasize that I did not open these accounts or authorize anyone to do so on my behalf. I strongly believe that this is a case of identity theft, and I am taking necessary steps to report it to the authorities.

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 2022-04-30
Company: EQUIFAX, INC.
State: MS
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:
The credit bureau never did a proper investigation according to the FCRA.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: NC
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 submitted a letter on XX/XX/XXXX, requesting the removal of unknown accounts and inquiries from my credit file. Today, I learned that these items should have been removed no later than 4 business days after that date, according to FCRA 605B ( 15 U.S.C. 1681c-2 ). These errors are significantly affecting my credit score, and I demand immediate correction in accordance with FCRA. As I previously stated in my Complaints, I am reiterating my request to remove the specific items listed below : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I want to emphasize that I did not open these accounts or authorize anyone to do so on my behalf. I strongly believe that this is a case of identity theft, and I am taking necessary steps to report it to the authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Consumer Portfolio Services, Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX continues to ignore my request to bring my account up to date! 

They have not reapplied my payment if XXXX back in XXXX for at least XXXX FULL PAYMENT and XXXX to get me current and ahead! 

I was also approved for extension for XXXX payment to be placed at the end of XXXX and they reneged. 

I continue to get XXXX fees and interest that SHOULD NOT BE APPLIED! 

Credit bureau is staying Im up to date and I been paying each month and then XXXX in falsely claiming Im behind! 

They are making phone calls to my friend stating Im behind which Im am NOT!

I want them to REApply my payments correctly So I know Im at least a month ahead accordingly to my calculations! 

I want a change in date due to the XXXX of each month because of my fixed income on the XXXX of each month!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello, hope all is well. 
I sent out a letter of dispute on XX/XX/XXXX to Transunion. However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. According to the Law 15 U.S Code 1681A-Definition rules of construction. The term investigation on a consumer report means, a consumer report or portion thereof in which information on a consumer 's character, general reputation personal characteristics or mode of living is obtained through interviews with neighbors, friends or associates of the consumer reports on or with other with whom he is acquainted or may have knowledge concerning any such items or information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or the " consumer ". In 15 USC 1681 section 604 states that the consumer reporting agencies can not furnish your account without my written permission, I did not give written permission to these accounts on my credit report. I would like to know who did they talk to? How did they complete this investigation? Please 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 non-monetary relief
Consumer complaint received 2020-04-03
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX TO : Bureau of Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, DC XXXX SUBJECT : MORTGAGE LOAN APPLICATION DENIAL This complaint is in regard to our loan application for a refi made to JP Morgan Chase Bank, NA on XX/XX/XXXX. My husband and I feel we were wrongly denied for the following reasons below : 1 XX/XX/XXXX : Prequalification letter received from Chase Bank XXXX 
2 Documents dated XX/XX/XXXX : A Lock-In Agreement and Mortgage Commitment Letter was issued or 59 days elapsing with acceptance given. Schedule A Conditions 1-9 were met with documentation provided to Chase.

3 Documents date XX/XX/XXXX : A new Notice of Counteroffer, Mortgage Commitment Letter, and Lock-In Agreement was received. Again, Schedule A conditions 1-5 were fulfilled and submitted to Chase. These conditions requested were the same as the documents submitted on XX/XX/XXXX! 
4 XX/XX/XXXX : Received email from XXXX XXXX , loan officer, again asking for the same information as # 2 and # 3 above ; which was provided. 
XXXX XX/XX/XXXX : Statement of Credit Denial, Termination or Change letter received for : ( a ) excessive obligations in relation to eligible income ( b ) value type place or condition of collateral insufficient or unacceptable. 

The manner in which our application was processed demonstrates sloppy banking procedures and a disregard for the laws governing mortgage applications. When a counteroffer is given and accepted with all conditions for a closing met, our expectations were for a closing to follow. However, when the very same reasons for denial are used to determine a loan, one must wonder if the inconsistency was not intentional, if not deliberate, since a counteroffer and commitment was extended based upon those very same factors.

Additionally, within the past fifteen years my husband and I have been approved for mortgage from Chase Bank on the very same home and income ( XXXX and XXXX, respectfully ), above average credit scores ( XXXX XXXX, XXXX and XXXX ; XXXX XXXX, XXXX and XXXX from the top three credit bureaus ) with the only exception is our ages. Both mortgages were in good standing with Chase as is our current one ( again with Chase Bank! ). 
It is therefore our question, how many retirees with a XXXX and XXXX, respectfully, credit scores does Chase decline? Although we feel singled out in this experience, we wonder if Chase is discriminating against an age group in spite of acceptable credit? 

Respectfully submitted, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 contacted Transunion stating that the law on medical debt has changed. I XXXX XXXX has a medical bill in the amount of {$480.00} on my credit report. From my understanding, medical debt that is under {$500.00} is supposed to be removed from my credit report as of XX/XX/2023. This did not occur. I sent a letter to Transunion and I did not hear back. I sent a letter to the company and they completely ignored my request to remove the medical debt.

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 2020-04-03
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hi, I called XXXX  XXXX XXXX 1st and been on hold for 3hours dealing with 4 different representatives.. 
The last one helped me stop the payment BUT square is refusing to refund me my funds, The person said they will refund me the money and never did, I called them they gave me XXXX XXXX. 
I have text messages of it ... And email 's with square that they are not helpful payment processors can reverse a payment ... I been scammed and I notified all parties ... XXXX  XXXX XXXX help they did not do I'm reaching out to you guys ... Help me thx ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: WLCC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2017 I took a {$700.00} loan out with XXXX XXXX XXXX dba XXXX XXXX XXXX. 

After making several payments at extremely high interest rates ( 713.74 % ) I investigated the company. I discovered they are not registered to operate in the state of CT and what they were doing was illegal. I know that CT has the strongest laws in regards to payday loans. 

I contacted the company and told them I was revoking my ACH and I would not pay any more. They received {$1000.00} towards a {$700.00} loan. 

They did agree to close my account and mark it as paid.

Company response to consumer: Closed with explanation