BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/22, I called the telephone number on the back of my debit card. It was brought to my attention I have auto pay setup from my checking account to pay my Wells Fargo credit card, however, a supervisor indicated there is an exception to my autopay. In the event my credit card balance is less than XXXX, autopay will not work and I would have to manually make payment. This defeats the purpose of autopay. I want auto pay setup to cover any and all minimum payments to my credit card regardless of the credit card balance. This is an unfair business practice. I am considering filing a legal action against Wells Fargo. I am maintaining a careful record of my communications with you for the purposes of filing a complaint with my Attorney Generals office, Office of the Comptroller and FTC and FDIC, should you not resolve this issue.

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 2018-01-12
Company: The Outsource Group, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX of 2017, I contact the collection company to get the information regarding this debt and address to send in a validation letter. They stated that I can fax it in and they provided me a fax number of XXXX. I faxed in a validation letter and a cease and desist letter. They contiuned to contact me and leave messages 2 to 3 times a day. I contact back in on XX/XX/XXXX, asked the collection if she sees any notes regarding the cease and desist and the validation letter. She stated no and that we need to just take care of this debt. She proceed to tell me about the debt and I tried to tell her that I belive the debt is not mine. She stated that was interesting because it went through my insurance and that I had made payments before to the original company-My response was, I have lived in Oklahoma during the time of when the debt occurred and the hospital that is billing me is in XXXX  XXXX. And if she would like-I can send her my mortgage of the home I purchased in Oklahoma.!!! She didn't say anything after that and proceed to tell me to send in the validation letter again. I did, with the cease and desist paperwork. I have the fax confirmation letters for both times and they still keep calling 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 2018-01-12
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: Old information reappears or never goes away

Complaint:
XXXX XXXX Account is incorrectly reporting missed and late payments. This is incorrect Accounts is closed and paid in full creditor is still reporting this incorrect information. XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX is reporting a late/missed payment, this is incorrect, and account is paid in full. Creditor is still reporting incorrect information. XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX/XXXX is reporting a late or missed payment this is incorrect, account is paid in full, date opened XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX is closed and paid in full, but it is showing a missed payment this is inaccurate. XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX is paid in full and open creator is reporting a missed or late payment this is incorrect date opened XX/XX/XXXX address XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX is open and current, is reporting incorrect information missed or late payments date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account was deleted and replaced back onto my account. I requested per FCRA on XXXX an XXXX for Trans union to provide me with the actual documents they have on file to substantiate this charge-off. 
This account was initially deleted due to Identity theft by XXXX XXXX XXXX. I have requested that Trans Union once again permanently delete this account with a credit limit of {$600.00}

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 explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: PA
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: Problem with personal statement of dispute

Complaint:
Those thing on my account is infecting my life. I do not wish to have them on my consumer 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 2018-01-12
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Ditech to complete a loan modification since XXXX of XXXX. Since then, we have been calling in to get status updates weekly. Since XXXX of XXXX we call in and we are advised that " the file is in review ''. When we finally called back on XXXX XXXX, XXXX, we spoke with XXXX in their Loss Mitigation department and he looked deeper into the status of the account. At that time, he noticed that the file had never been submitted over to the Loss Mitigation department and the department I had been talking to was the Collections department. He advised that they are not even supposed to be providing status since they are not able to view the same notes. I have now wasted months with inaccurate information. XXXX did advise that he was going to have the file escalated to a Supervisor immediately and I would get a call within 48 hours. Today when I called, they advised that there had been no response to the escalation after being hung up on twice. At this point, I feel like I may lose my home due to their negligence. I need your help in stepping in. Please, i do not want to lose my home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2018-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX  to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Performant Financial Corporation
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX I entered into a payment arrangement with Performant Recovery Inc. to pay XXXX a month. I made these payments in a timely fashion. In XX/XX/XXXXI transferred to a new bank and contacted Performant with my new account information, giving them my new account and routing number so that I would not default on my payments. Several months later I recieved notice that I was three payments past due and was asked to pay XXXX dollars before XX/XX/XXXX or my loan would default. I sent them XXXX before the date. I have records of all my payments, which I have sent to XXXX and Performant and included in my dispute.
They transferred my account inXX/XX/XXXX to XXXX XXXX. and considered my account in default status giving me no explanation as to why. I have disputed this with them on several occasions. The only explanation after my dispute is that my account has been " resolved '' but if that is the case my loan would never have been transfered, I would never have been charged XXXX  extra in interest and they would have honored my payments. When I have tried to speak with agents at Performant they always inform me my account has been transferred with XXXX and to speak with them. When I ask XXXX why my account was transferred they tell me it was considered defaulted but ca n't tell me why and have me dispute it. I 've been in a cycle with these people and getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I made 2 ACH withdraw from XXXX. one for $XXXX, one for $XXXX.On XX/XX/XXXX, I made another ACH withdraw from XXXX.On XX/XX/XXXX, I found out from my bank, XXXX, that they have suspended my account by mistake, they reopened my checking account but they sent those ACH deposits back to XXXX already.Since then, I have been contacting XXXX multiple times via email, phone call to see if I can find out where those total of $XXXX returned fund is. I got some standard response about they will let me know when they have more information.I confirmed from XXXX XXXX multiple times that the money is already sent back to XXXX XXXX  account the same day. And it will be up to XXXX to credit those fund bank to my XXXX  account.So far, 3 weeks past, I still didn't have any information about where that $XXXX fund is and what XXXX will do to fix the issue.XXXX Case ID: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My fianc and I applied for a refinance with NewRez and were conditionally preapproved. Our Mortgage Consultant established communication with us and the Mortgage Loan Processor on XX/XX/2021. The Processor had questions in her XX/XX/2021 email, which were answered the same day. 

After getting no information, I reached out to the Consultant and Processor on XX/XX/2021. The Consultant responded on XX/XX/2021, with a question about student loan consolidation. The Consultant also emailed on XX/XX/2021 with a question. I responded to both the XX/XX/XXXX and XX/XX/XXXX questions in a XX/XX/2021 email. 

We did not receive any other communication from NewRez. I emailed the Processor and Consultant on XX/XX/2021, asking about the status of our refinance. On XX/XX/2021, the Processor emailed us and said the loan was declined, and we should reach out to the Consultant directly.

We did not receive any communication from New Rez for over three weeks, and did not receive an adverse action letter. The lack of communication from NewRez is inexcusable. The actions we've been taking impact our credit and our rate options and refinancing timeline elsewhere, and NewRez hasn't even given us the courtesy of basic communication. I'm disgusted that even after this declined refinance, NewRez is still our loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new Honda Civic from Honda Financial services because I was promised to get the rebate program they had going on, which they still currently offer, but refuse to apply to my statement. The rebate is the College Graduate rebate program that if you graduate within the next 6 months to 2 years from an accredited university they will apply a {$500.00} rebate to your owed financed balance. I only purchased the vehicle from them because I was promised to have this rebate applied as soon as I graduated. I then came back after I graduated and they refused to apply the rebate for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
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: Their investigation did not fix an error on your report

Complaint:
Since I have submitted numerous disputes, since this is a paid collection that keep being refused to be removed from my credit report, as I have made the PAYMENT IN FULL for my XXXX XXXX account ending in XXXX. Transunion still has the payment status reporting as " in collectiosns/charge off. THIS ACCOUUNT IS CURRENTLY NOT IN COLLECECTION, THIS ACCOUNT HAS BEEN PAID, SO THERE FOR THE PAYMENT STATUS SHOULD REFLECT ACCORDINGLY. I WOULD LIKE TO SEE THE PAYMENT STATUS AS EITHER PAID CHARGE OFF, PAID AS AGREED. 

PLEASE AND THANK YOU

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 2022-01-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from Chase bank stating that all my accounts will be closed on XX/XX/XXXX. I have 1 saving, 2 checkings, 1 credit card, and my XXXX children XXXX years and XXXX  years also has an account. I have been with chase since XXXX and I have maintained a good standard with my credit card payment and have not missed a single payment. I have not in any way been involved in any form of fraud or illegal business. I have not exceeded my credit limit and I have maintained less than 10 % credit usage. I feel so bad that chase will wake up one day to close my account and that of my kids. I have been to their local branch for an explanation, but they could not give me any reason. I could the customer service and the agent I spoke with tells me that no one in chase back will ever tell me the reason for deciding to close my account and my kid 's account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: EQUIFAX, 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:
I have two major credit cards, XXXX XXXX and XXXX XXXX, in excellent standings and XXXX credit reporting is not reporting the credit on my report. I contacted one of the companies and they stated in a complaint resolution that they report to all three credit reporting companies I filed a complaint with XXXX, and they sent me an email stating that they had a resolution, after trying multipal times I was not allowed to sign in to check the status of the resolution. I was sent four password changes and none of them worked, this is keeping my credit score far below what it should be, they are stating that I have no credit at all. 
This company is also reporting a tax lien on my report that has been disputed and resolved in my favor which is doing major damage as well. 
my hands are tied and I can not move forward with projects and business ventures please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 mailed a letter to Transunion and they received it XXXX XXXX, 2017. I sent in a letter requesting TRANSUNION not the creditors, to verify specific accounts that are listed on my credit report. I clearly understand that the FCRA requires Credit Bureaus to provide all documents stored on file that were used to verify the information that is being reported on me when requested. XXXX is disputing the with the creditors I listed in my letter. However, this is NOT what I requested Transunion to do. This letter has nothing to do with the creditors.  I am specifically asking Transunion to provide me with proof of these accounts, written contracts or any information to validate the debt, they responded saying they do not have that information. Therefore, the listed accounts are unverified. I am fully prepared to take legal action in order to protect my rights under the FCRA. I am requesting the unverified accounts be deleted immediately under FCRA section 609.§ 609.  Disclosures to consumers (a)  INFORMATION ON FILE; SOURCES; REPORT RECIPIENTS.--Every consumer reporting agency shall, upon request; and subject to section 610(a)(1), clearly and accurately disclose to the consumer: (1)  All information in the consumer's file at the time of the request*I also sent Transunion a photo copy of my Drivers License and SS card*

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 2022-01-12
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following 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. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-01-12
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX  XXXX is trying to collect a debt that they say that i owe but my insurance paid it and i dont no why they're trying to collect a debt and they are violating Hippa because they shared my information with some other party and they didn't even send the hippa transcript as well so I demand that you all delete this from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I contacted Transunion to resolved unauthorized inquires showing on my credit report. I called and spoke to US representative by the name of XXXX. Ive recently checked my credit report and noticed many inquires that were removed during a breach in XX/XX/XXXX- XX/XX/XXXX were reinserted. I DID NOT receive a written 5 day notice informing me about the breach or Transunion reinserting the inquires. This is a violation of the FCFA. Transunion can not continue to violate my rights. 

Transunion are in violation of fdcpa 805. Communication in connection with the consumer generally Without the prior consent of the consumer given directly to the Debt collector or the Express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Plus I had already had a fraud alert on my account which was just added back, but they still refused to remove the inaccurate information.

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