BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hello, Reaching out today in regards to a previous Auto Loan that i had with Wells Fargo Dealer Services that has been completely paid off more than 5 months ago ( XX/XX/XXXX ). 

On XX/XX/2020 i traded in my car into the XXXX XXXX and when doing that the dealership paid off the complete balance owed to Wells Fargo Dealer Services which was more than {$13000.00} in order to remove the Electronic Lien placed on the car. Days later the new credit account for the new car that i purchased through XXXX XXXX showed up on my credit report as it should but the Wells Fargo Dealer Services had yet to come off, and its been almost 6 months already. 

Around Mid - XXXX i contacted Wells Fargo Dealer Services directly and spoke to their rep who assured me that everything was Okay and that the account would be removed from the credit report within 90-120 days as their company only reports monthly. Sadly, the 90-120 days came and went and still to this day my credit report is reporting an additional $ XXXX of debt on my report that frankly doesnt even exist. Because of the fact that this hasnt been removed yet its actually hurting my score every single month more and more and at this point dont even know what to do to get this taken care of. 

Iv traded in multiple cars before in my lifetime and have never had an issue like this. The credit account of the traded car has always been removed within a month or two. 

In this case we are going on almost 6 months, AFTER they been completely paid and balance is at {$0.00}. 

Would appreciate help with this matter as Wells Fargo Dealer Services isnt doing what needs to get done. To recap, they got all of theyre money paid to them 5-6 months ago, but still to this day report my credit monthly that my account is still open and with balance. 

Thank you in advance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX | XX/XX/2022 PERSONAL IDENTIFICATION DISPUTE

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 2022-11-29
Company: Experian Information Solutions 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 sent in several dispute letters that these accounts are not validated and theres no proof of my signed signature on the documents and no valid proof these accounts belong to me I sent in several dispute letters of removal these accounts werent investigated properly

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 2018-11-03
Company: Drees Company, Inc.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have a current loan application for a brand new construction home with XXXX XXXX. Lender is First Equity Home Mortgage. It has been in process since XXXX of this year and closing should be XX/XX/2018. I was supposed to receive XXXX at closing for using this lender because I receive closing costs for having a XXXX loan. He has received my paystubs for the past 5 months and has my offer letter when I started my new job In XXXX. Yesterday he called me to say I was not going to get the XXXX  loan or the XXXX at closing because I worked some overtime and went over the income limit. I told him why he didnt say anything about the limit since he has been receiving my paystubs for 5 months. He said he didnt know I was hourly! He has my job offer letter! He didnt even look at my paystubs once before yesterday. He also said he was late to request the appraisal and and would not have closing docs ready for XX/XX/XXXX. I already had those XXXX compromised to pay back a loan of XXXX I did to pay an account. I have to pay it back after closing. I also have a large number of contractors scheduled to do extra painting, install blinds, deliver furniture, washer dryer that I cant cancel. This lender has not been accountable at all. I am renting and have to leave my apartment on the XXXX. He just said I can have an FHA loan but dont get my money and have higher interest. He screwed me so bad I dont know what to do.

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 2021-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Recently I was locked out of my online account which is how I pay my bill. I contacted Capital one on XX/XX/XXXX on or about also contacted on XX/XX/XXXX and XX/XX/XXXX. I contacted Capital because I was unable to access my online account. I was told by the rep that I needed to submit proof of my identity along with a letter with my ss, account number. I complied with their request both times. The third time I contacted them to inquire why the online was not fixed so that I could view and pay my bill. The rep said that they needed me to send another letter this time with all the accounts listed that I had with them in the past need I say the accounts they are requesting were dismissed in bankruptcy and should not be associated in any way with my new account that they approved. On XX/XX/XXXX I had to call in and make a payment as I try to pay ahead of time, I spoke to 2 reps who say they were unable to process my payment. I then speak to a supervisor XXXX senior account supervisor. XXXX states now all of a sudden they have technical issues. This has turned into nothing but a nightmare. I do not want my payment late and credit report be affected by this issue in which I am still unclear of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have requested verification of a loan reflected on my credit report by XXXX. The dispute results come back verified, but the letter sent from XXXX states " We have received the material requesting to validate your debt. Unfortunately, XXXX XXXX XXXX does not service the education loan you referenced in your dispute. Therefore, we are unable to assist with this request. Please contact your current education loan servicer, XXXX, with the information provided ''. 

If they are unable to provide verification to me, how are they still able to report the account to the consumer reporting agency under the name and account number listed on the report and not provide verification. I have contacted XXXX and they advised me to contact 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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account 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 explanation
Consumer complaint received 2020-06-18
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: Account status incorrect

Complaint:
Equifax and XXXX are reporting incorrectly that I was late in XXXX and XXXX, XXXX on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit as well as a spreadsheet for reference. ) I reached out the XXXX and talked to a representative and I was advised that all late payments had been brought forward and no penalties had been applied. These accounts are in forbearance and should not be reporting any lates. I have also contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the lates reporting. This is not true. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be updated and/or removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I would like to link my bank accounts to XXXX for the purpose of buying stocks and building a portfolia. 

PNC have this blocked, I was unaware of any block in place, and by doing so they are restricting would I can do with my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This unconfirmed account listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the TransUnion Credit Bureau XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly : 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 2023-02-23
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} Bankruptcy XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Please comply with the Fair Credit Reporting Act section 605b, and have the disputed accounts and information removed from my creit File as soon as possible.

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 2022-07-25
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022, out of the blue, without any justifcations or explanations I receive an email from Coinbase stating that they have blocked my account for security purposes and that I can no longer trade nor withdraw funds from my account. 
I immediately try to contact them via chat, or phone, but both channels are a farce as they have NO agents in line. In both cases it is just a machine providing solutions to technical problems, with no possibility of escalating to a real person. 
I opened a ticket in their system and again, have received no response, in the space of 11 days. After several followups. 

It is clear to me that they have liquidity problems and are withholding funds from users, under the pretext of security purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : CREDIT COLL ( Original Creditor : XXXX XXXX  ) Account Number XXXX XXXX Account Name : CREDIT COLL XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on the BofA App as they recommend you do. I checked and my account was given credit for the money. The statement on the deposit said it would be available the next day. BofA then took the money out of my account and said they were going to hold it. Part of it for 2 days and part of it for 7. When I called them and talked to a supervisor they said that I was too risky and they changed their minds. I asked them to cancel the transaction and I would go get cash or certified funds. They refused. I know my agreement with them says they can hold funds up to 5 days. I have several accounts with the same agreement but they do not hold the funds of the same amount. They said the could not do anything about it which is not true because a decade ago I had funds held and they waived the requirement and gave me access to the funds. They claimed that they recently change the rules but I did not agree to a change and was not notified. I know it is a technicality but they put the funds in my account and told me it would be available the next day then they changed their minds. I am familiar with Check XXXX which is the processing of payment electronically through the Federal Reserve. They got my money from the check the next day. Since they told me it would be available the next day I consider that an agreement. They changed their minds but they would not allow me to change mine and cancel the deposit. This is not fair and is an abuse of power. Once they have the money in their bank, they should have to give me credit for it. I have been with BofA for 30 years. I have credit scores of 750 to over 800 depending on the bureau. They said I am a risk but they never looked at me. Their holding my money when they have it has damaged me as I made promises to pay that now I can not keep. If I take their money they make me pay fees and interest. If they take my money they should have to do the same at the maximum rate they charge me. This is not big enough obviously to sue them and they told me they do it to a lot of people. The only way this is going to get fixed is if the CFPB makes them stop.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}

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 2021-10-10
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
IN 2006 SPECIALIZED LOAN SERVICING LLC WAS COLLECTING MORTGAGE PAYMENTS FOR XXXX XXXX XXXX ON MY SECOND LIEN. XXXX XXXX XXXX MODIFIED MY MORTGAGE AND TOLD ME THAT THE FIRST LIEN AND SECOND LIEN HAD BEEN COMBINED AND THAT I ONLY HAD TO MAKE ONE MONTHLY MORTGAGE PAYMENT. 
I CONTINUED MAKING MORTGAGE PAYMENTS TO XXXX XXXX XXXX AND NOW TO THE SERVICER OF XXXX XXXX XXXX SELECT PORTFOLIO SERVICING. ON XXXX I DISCOVER THAT MY HOME HAD BEEN PLACED IN FORECLOSURE WITH A SALE DATE OF XXXX FOR COLLECTION AMOUNT OF {$29000.00} THE SECOND LIEN I OBTAINED WHEN I PURCHASED MY HOME IN 2006. AS REQUIRED UNDER TEXAS LAW PROPERTY CODE SECTION 51.002 ( D ) I NEVER RECEIVED A CERTIFIED NOTICE OF DEFAULT OR A NOTICE OF SALE FROM SPECIALIZED LOAN SERVICING OR THEIR TRUSTEE ATTORNEYS XXXX XXXX XXXX XXXX XXXX. I WAS FORCED TO FILE CHAPTER XXXX BANKRUPTCY ON XXXX. I CALLED AND NOTIFIED THE MORTGAGE LENDERS BEFORE XXXX ( See attached proof of notifications ) AND THEIR ATTORNEYS THAT I FILED BANKRUPTCY SO THEY COULD STOP THE FORECLOSURE OF MY HOME. THEY DID NOT COMPLY WITH THE U.S. BANKRUPTCY COURT-ORDERED STAY AND CONDUCTED AN UNAUTHORIZED FORECLOSURE SALE. A MORTGAGE FORECLOSURE WITHOUT PERMISSION OF THE BANKRUPTCY COURT VIOLATES THE AUTOMATIC STAY AND IS VOID OR VOIDABLE.

Company response to consumer: Closed with explanation