BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I've requested an address to mail a notice of lawsuit against Wells Fargo numerous times, no address provided. The lawsuit concerns damages caused as result of inability to open deposits accounts due to information previously reported by Wells Fargo for accounts opened which I did not want or need. Damages include lost interest on monies unable to deposit as I was unable to open accounts due to information reported to consumer reporting agencies such as XXXX XXXX XXXX. Prior remedy amounts were offered, however, do not cover damages described above. I've requested a reasonable settlement offer, however, Wells Fargo will not provide one, unwilling to discuss it via phone. Further, the mediation amount offered, {$500.00}, is not sufficient and I require either a reasonable settlement offer or an address to mail a notice of lawsuit, which was requested and not provided. Failing to provide either above, additional complaints will be filed.

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 2021-03-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied for refinancing several times and each time Carrington closed my case and asked me to restart 2 or 3 times when I have a HUD worker XXXX XXXX XXXX. This has been a long process and I understand that I was behind but I am trying to rectify the situation and this is becoming tedious. I would like to get a new payment and start fresh.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
XXXX XXXX XXXX IS WRONGFULLY REPORTING ON XXXX, TRANSUNION AND XXXX credit bureau files.An offer to settle the charged off account came in the mail from an agent of XXXX XXXX.The agent accepted XXXX dollars to clear the account debt. ( see letter that arrived after conclusion dated XX/XX/XXXX.The charge offed amount was XXXX dollars.The balance reported afterXX/XX/XXXX should have been 0.Yet they reported XXXX dollars on all 3 reports wrongfully damaging my credit.FCRA DICTATES XXXX DOLLARS STATUTORY DAMAGES FOR THIS DAMAGE.THE WRONGFUL REPORTING OCCURRED AS THE RESULT OF THE malfeasance or fraud of the XXXX XXXX AGENT, being transmitted to the bureaus after 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 explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-08-25
Company: EQUIFAX, INC.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 explanation
Consumer complaint received 2020-08-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To whom it may concern, I, XXXX XXXX ; XXXX banked with Wells Fargo in 2019. I was notified by the PENNSYLVANIA DEPARTMENT of TRANSPORTATION that a check for vehicle Tax and Tags was fraudulently sent to them in my name. I purchased a vehicle from XXXX XXXX in XXXX of 2019. I provided XXXX XXXX with a deposit of {$5000.00} for the vehicle which the salesman XXXX explained to me covered the vehicle Tax and Tags. 

XXXX from XXXX XXXX asked me for my banking info on a piece of paper that verifies your information. I never at any time gave XXXX and or XXXX XXXX consent to add my signature and or WELLS FARGO checking and routing number to a cashiers check to submit to the PENNSYLVANIA DEPARTMENT OF TRANSPORTATION. The fraudulent check then bounced because I gave XXXX XXXX all my funds for a deposit. Now the State of Pennsylvania is stating I owe them over {$1000.00} or my license and vehicle registration will be suspended. 


This was done fraudulently without my knowledge and or consent. I would like WELLS FARGO to address the fact that I never was provided and or ordered checks from them. So how is it possible for me to write a check I was advised to take this issue up with Wells Fargo! I tried to do so to no avail.

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 2018-05-01
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX does not respond to any request for validation of debt so XXXX and XXXX removed. But ... .for some reason Experian can not provide this information either but reports every month as as late payment, and paste due account. Unbelievable! Account is showing it was laste in 2011 is the kicker - 7 years ago. Hopefully CFPB and get ahold of Experian and find why the XXXX this has not been removed as no one can provide any validation of what this debt is and I have provided my SSN Card and ID.

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 2020-08-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm working through Chase Bank to refinance my house through them. I received a loan estimate for 30 years at a rate of 2.125 % from them. When I spoke to their loan officer the offer was 3.125 % and not what they send me in writing. I spoke to his manager and he couldn't help and called it a technical error. I call it a bait and switch tactic that shouldn't be used on potential customers. They sent me a lower rate and then said this was never available. When I tried to meet them in the middle they didn't try to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Transunion did not respond to my complaint that I had not intended to enter into any kind of agreement with them. I only wanted the free credit score that they offered. Instead, I was signed up for a monthly monitoring agreement that I could not cancel. The next time I went to their help page, I was sent to a defunct website. I could not communicate with them at all and I am still being charged {$19.00} per month. I want all my monthly subscription payments refunded and the service canceled. I have already started a payment dispute procedure with my bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-06
Company: EQUIFAX, INC.
State: GA
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 have an address XXXX XXXX XXXX. XXXX XXXX XXXX listed on my XXXX   and Equifax credit reports even after filing a policy report and calling the entire months of XX/XX/XXXX and XX/XX/XXXX they refuse to remove this address. Equifax has not update my credit report with any accurate information and refuses to remove a fraud account ( XXXX XXXX ). Dealing with this credit bureau has been a nightmare and I am a consumer who takes pride in having a clean and good credit report. I have filed police reports, Ive sent in countless pages of supporting documentation even a fraud license that had my name and the fake address listed on it!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: Receivables Performance Management, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing in to complain about Receivables Performance that is listed on my credit and the original creditor is claimed to be XXXX, and claim is in the amount of { {$130.00} }. I am writing this letter to inform the individual ( s ) that Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do not respond to my request by saying that these accounts have been verified. Send me copies of the original signed documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the signed verifiable proof that you have on file for each of the accounts listed within 30 days of receipt of this letter then you must remove these 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 explanation
Consumer complaint received 2020-08-25
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
tcf bank has taken over Chemical Bank in XXXX, Michigan. Since that time, the local bank in XXXX, Michigan has been destroyed by the 2 XXXX failures. tcf has changed several of their fee and other policies. I have been trying to contact them because the service charges they imposed put my account into a negative balance. I was a member of Chemical Bank for over 30 years. I am now trying to close my account with tcf, but when I try to contact them via phone, they only have one contact number, I have been on hold in a loop for over 45 minutes.  Obviously, this financial institution is too busy for me to do business with them. I would appreciate any help from you to make contact with this establishment. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Mi. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: UT
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:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: Experian Information Solutions Inc.
State: GA
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 have an address XXXX XXXX XXXX. XXXX XXXX XXXX listed on my Experian and XXXX  credit reports even after filing a policy report and calling the entire months of XX/XX/XXXX and XX/XX/XXXX they refuse to remove this address. XX/XX/XXXX has not update my credit report with any accurate information and refuses to remove a fraud account ( XXXX XXXX ). Dealing with this credit bureau has been a nightmare and I am a consumer who takes pride in having a clean and good credit report. I have filed police reports, Ive sent in countless pages of supporting documentation even a fraud license that had my name and the fake address listed on it!!!!

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 2020-09-07
Company: Experian Information Solutions Inc.
State: MS
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 reached out to both Experian and the Original Debtor regarding the alleged debt owed. Both companies have failed to provide legal documentation at my request to validate the alleged debt. Ive been requesting this information since XXXX. Experian even added a late payment to the charge off account and now the account reflects 2 charge offs. How is the possible and/or legal?

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 2021-03-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX, XXXX XX/XX/XXXX XXXX Credit Bureau Name Bureau Address Im Writing to you today in shock due to The fact that after reviewing my credit file, I found several errors you are reporting which are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

XX/XX/XXXX Accounts are being reported with different either different payment statuses or the balance is {$0.00}. Under date last active. If this is the same account being reported by the same creditor why is the information different? Furthermore, if my balance is zero, why is the account still on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Mortgage Company transferred my mortgage to XXXX XXXX XXXX  for servicing. 

XXXX XXXX requires that I go to their website and enter all my information for their records. This is inconvenient and a waste of my time because they should automatically get the information from Lakeview. After all, XXXX XXXX purchased the serving contract because they expect to make a profit from the new business. 

It is unfair to have the consumer use his time to save XXXX XXXX and Lakeview money during the transfer process. 

It would be fair if XXXX XXXX or Lakeview gave a reasonable $ credit to the mortgagee.

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 2018-07-02
Company: General Motors Financial Company, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XX/XX/2017 I became a payment behind it is due the XXXX of each month and I paid it on the first of the following month which made in the area of 15- 16 days late. They have been charging me a late fee of XXXX each month i have done this. I had no problem paying the late fee but around XX/XX/XXXX i found that they were not applying the late fees payments towards the late fees but to my principle balance. So my late fees started piling up. When i realized what they had done i sent them an email asking them to apply those payments to my late charges and not my principle balance. This was never done. That however is not what my complaint is about I received a call from them regarding the continued late payments and they offered me a deferment of the outstanding balance. We all agreed and two payments were deferred to the end of the loan. Now the next installment is due and the late fees are on there. I was told the balance including late fees would be deferred, so when i got my statement it had a XXXX late added to it along with the XXXX dollars in late fees i stilled owed. When i called them to point this out I first got the same story from the first rep i talked to then she put me on hold to review my account and a second rep picked up the phone and stated that late fees do not get deferred and that the XXXX   dollars i paid was for a deferment fee.

I understood that what the XXXX dollars was for and that i was instructed by there rep when I initially did this that they would be, I also told the rep that I did not have a problem paying the late fees of XXXX dollars still owed. my Problem was that they were charging me another XXXX dollar late fee for the late fees not being paid. So they were they charging me a late fee on a late fee. One not to sure if that is legal they say it is in the contract, however i do not believe you can contract away the rules or law, which i told i felt that the contract was in error and i just missed that clause if there, but i am paying for misleading information on there part and no where does it state that i need to clear the late charges, not even in the letter of verification they sent. I went ahead and payed the late fee with the new payment. But feel that this practice is not legal and defiantly not very moral all I wanted was the XXXX dollar late fee waived not to much to ask for their error I think. So know I turn to you to check out fi they can indeed charge a person a late fee on an outstanding late fee amount. Enclosed is a copy of the different letter as well as the last two months statements, of which may does not show a late fee being accesses and XX/XX/XXXX with the assessment of a late fee, very confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: EQUIFAX, INC.
State: NV
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 child support account # XXXX is with XXXX XXXX not XXXX  XXXX XXXX. XXXX  XXXX XXXX was contracted by XXXX XXXX to collect withholding only. They do not own this account. It is a XXXX XXXX account. ( see attached email ) XXXX XXXX XXXX continues to report incorrect information even after a representative from XXXX XXXX contacted them and instructed them to remove the late reporting on my credit report. 

Attached is an email from XXXX XXXX dated XX/XX/2018 that affirms my child support account is with XXXX XXXX and that my account is/was current during the months that XXXX XXXX XXXX is reporting 120+ lates. 

Also attached is the payment record that shows XXXX XXXX XXXX reported 120+ lates while the account balance was XXXX. 
This is a gross violation of the FCRA and these items must be deleted from each CRA for failing to verify and ensure accurate reporting and properly investigate previous disputes. 

Violations seen on attached credit report : XXXX - XXXX   XXXX XXXX reports a 120 day late for XX/XX/2018 even though the balance due was XXXX. ( see attached payment record ) - Item must be deleted. 

EQUIFAX - XXXX XXXX XXXX reports current for XX/XX/2018 and then a 120 day for XX/XX/2018. It is impossible to become 120 days late within a 30 day period. 
XX/XX/XXXX and XX/XX/2018 report as 120 day lates even though the balance owed was XXXX. ( see attached payment record ) - Item must be deleted. 

XXXX - XXXX XXXX XXXX reports 120 day lates for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 even though the balance due was XXXX. ( see attached payment record ) - Item must be deleted.

Company response to consumer: Closed with explanation