BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-10
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
I have contacted Wellsfargo over 10 times and filed several complaint.Being a member for almost 7 years I got a personal loan with them in 2018. I have contacted them about several inaccuracies on my personal loan. Recently I made a second attempt to purchase my first home and due to the negligence on the banks end I once again lost my opportunity because of my credit score.My report has been inaccurate for more than a year and I have never not made a payment .One of the payments is showing inaccurate but I reached out to the bank and advised that I was unable to make one due to inaccuracies with there online portal. I was told by several representatives and there executive office that I have nothing to worry about because no fees or negative impacts will affect me because it's an error on the banks end due to a system issue.Months later my credit report shows not only that I made a late payment but that I have a balance. My credit has dropped significantly due to this error and all I have received is empty promises.I will be making my third attempt soon to buy my home and I hope that the bank can correct this error.This has been no fault of my own .I would like all inaccuracies remove from my credit immediately.

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 2023-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit 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:
I notified Capital One of fraudulent charges on XX/XX/XXXX. The charges were as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made it clear to the agent when I filed the claim that I caught these charges so late because my father had passed in XXXX of XXXX and I had been managing opening XXXX businesses, a property, and the estate. I caught these charges when compiling a year end accounting for the estate. After being escalated to supervisors they made it clear to me that no investigation was actually made into the fraudulent charges and that they closed the investigation before beginning it because of the timeframe of the claim. They have fine print which states you have a certain timeframe to make claims on fraudulent charges -- the original agent I spoke to when making the claim said that it was good I called when I did because I was just inside that window -- though now they are saying that it was not. This is a disingenuous business practice at best and fraudulent advertising at worst. They claim to protect consumers against fraud and yet they allowed ~ {$3000.00} of charges to questionable XXXX websites occur in the span of 6 days that clearly do not line up with my purchase history. They are holding me responsible for the fraud, which they admit they haven't even investigated the merchants, simply because I failed to call within an arbitrary timeframe. They DO NOT provide fraud protection, it is still the consumers responsibility to catch and notify them of fraud AND to do so in an arbitrary timeframe. These charges ARE fraud and it's very clear to anyone with intelligence simply by looking at the merchant names and the correlation in quantities charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I qualify for mortgage assistance from XXXX XXXX housing authoritiy. They need a XXXX form to submit payments on my behalf and they sent the wrong form initially. They, Amerihome, after a month have still failed to get ne the correct form after I have made several calls and been on hold for at least an hour every time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX Original creditor : 11 XXXX XXXX Total balance : {$780.00} acct # XXXX {$780.00} Balance updated XX/XX/2021 2021

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: WSFS FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX told me to let my mortgage get 2 months behind to get a modification instead of refinancing to remove my exhusbands name. Up to that point my mortgage was on time every month with additional payments. XXXX gave me the modification I made 2 payments on time in XXXX the 3rd payment they cashed but did not apply until XX/XX/XXXX so the modification became void. Servicers changed to XXXX XXXX XXXX then XXXX  each time I applied for the modifications I was approved, ( making the payments was never an issue ) But the modifications were numerous documents sent some lost reapplying for every servicer more lost payments. I requested a breakdown of my account since payments were never applied to the principal all I received was a print out of dates and amounts when I questioned where the Journal entries debiting the credits for payments were applied I was told that they did not have those records The balance was what I owed. I requested this from every servicer. The last modification was approved in XXXX of XXXX 3 days before XXXX XXXX had their attorney file the foreclosure judgement. I have been trying for 10yrs to just have my mortgage principal be the correct amount and make the payments on what I owe. Instead of letting me do that the banks and servicers seem intent on evicting me a single mother out of her home. My mortgage was {$120000.00} with out the missing money applied the value of it is {$460000.00}. I believe it is because they want the extra money because I am a single mother and because of my ethnicity. Or why would XXXX consistently tell me they were considering a modification even after the Judgement only to deny it because it was to much in arrears or because XXXX was to close to the XXXX sale date. This is the discrimination that is consistent with Banks and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXXXXXX XXXX XXXX we did a loan modification.WE have paid every mortgage payment. WE even have statements from Santander showing they received each payment. In XX/XX/2021 we start receiving these letters saying This document is an attempt to collect a debt. After at least a dozen phone calls to Santander finally thinking we found out that they sent one of our mortgage payments to escrow instead of applying it to our mortgage. While each month our credit report is taking a hit. Again this month I receive another letter saying they are trying to collect a dept. With another phone call and the last one we talked to a manager who did not know why we were receiving these letters showing to him that all mortgage payments have been made. He sends it over investigative division. So as this is still lingering on and my wife and I credit has went way down there needs to be some repercussions towards this bank for what they have done to us and our credit worthiness.

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
My credit reports are inaccurate, incomplete and the XXXX XXXX XXXX accounts have not be validated as mine. All have been unverifiable by this creditor. 

XXXX XXXX XXXX has failed to properly investigate the alleged derogatory accounts listed as charge-offs in the amount of {$15000.00} and {$10000.00} on my TransUnion and XXXX credit reports. In addition, mark my account as disputed within the 30-day time-frame which is required by law. I requested information of the original contract I allegedly physically signed and supposedly agreeing to their payment terms when I supposedly opened the account. This is a violation of the FDCPA and FCRA. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). To this date, no information has been provided to me by XXXX XXXX XXXX regarding these accounts nor action to remove these accounts from my credit reports. This information has a large negative impact on my credit score. 

I have sent certified letters ( with tracking info ) to XXXX XXXX XXXX on the following dates. 
XX/XX/23 XX/XX/23 I have also sent certified letters ( with tracking info ) letter to TransUnion and XXXX regarding this same issue on the following dates : XX/XX/23 XX/XX/23 XXXX has removed both disputed derogatory XXXX XXXX XXXX accounts 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 2023-09-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 and 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 2023-07-24
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I filed XXXX in XX/XX/XXXX, which was XXXX in XX/XX/XXXX. This included my XXXX XXXX XXXX. The loan was removed from my credit report but then was put back on and into repayment in XXXX of XXXX. They are still trying to collect on this loan, even though it was XXXX. I have tried to talk to Navient but they keep telling me that it's not eligible for XXXX with no explanation as to why not. I have {$100000.00} of Federal student loans so figured with the private loan being XXXX it would help a little. 

Can you please help me figure out what to do? My XXXX lawyer went back and forth with a Navient lawyer for some time but nothing was resolved. From there, I had to have my lawyer send an email saying he was no longer representing me just so I could talk to someone about my loan and try to get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions 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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 and 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 2023-06-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account numbers still varies even after 1st investigation between the bureaus Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the followng circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any. ( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692 G violations 4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2019-08-08
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 am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX   Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX  To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Florida 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 2021-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On XX/XX/XXXX i made a purchase a product from ebay for {$340.00} with my Capital one credit card and only received 1 side of the shoe i purchased. after several attempts to resolve I reached out to my CC company. The company started a claim and sent me a link via email to submit pictures of what I received, receipt, discussions with the seller, all of which i provided. On the XXXX of XXXX I called in and was sent another link as all my pictures were not recieved. gain I submitted. 
However on Friday XX/XX/XXXX I called to follow up on the case to be advised that my case was closed on XX/XX/XXXX. When I asked why I was advised that a letter was sent to me on XX/XX/XXXX to submit a letter from a third party in the same category on the third party 's letter head 'giving reference on how they would solve my issue ''. I advised that I did not get this letter and asked how long does the letter take to get to me. I was told 7-10 business days. From the date of XX/XX/XXXX when the letter was sent the 10th business day is XX/XX/XXXX. My case was closed on XX/XX/XXXX, which means that even if i had gotten this letter the case was closed even before i could send the info in. 
The company is now refusing to correct this issue, when i advised that i was never told i needed this letter by their reps i was advised that none of the reps left any notes. 

Kindly assist with rectifying this and ensuring that the reps of this company correct note what transpired with customers and also provide accurate information to avoid customers from suffering.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2021, I spoke with agent XXXX agent IF XXXX requesting my payment to be extended due to an extenuating circumstance. I was recently in a car accident and I wont be able to drive. They denied my request and I escalated up the channels through Chase Auto Finace and they still denied my request. I need my payment to be extended for 1 or 2 months due to financial hardship and I would like your assistance to make it happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 4 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX with new & updated information about my previous complaint XXXX, XXXX & XXXX XXXX XXXX has not only failed to comply with the FDCPA but has also failed to comply with the FCRA as well by report-ing an alleged account that has not been properly verified- ( sworn under oath 28 USC 1746 ). I am demanding that all report-ing to all consumer reporting agencies- ( TransUnion, XXXX XXXX XXXX XXXX cease immediately.

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