BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: WELLS FARGO & COMPANY
State: CA
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:
Between XX/XX/XXXX and XX/XX/XXXX a series of about 24 transactions totaling over {$10000.00} occurred on my Wells Fargo Debit card ending XXXX. I filed a claim on XX/XX/XXXX and found it was denied on XX/XX/XXXX. Claim number was XXXX. The majority of the charges were only discovered after seeing a series of 4 charges on the XXXX each for {$500.00} from XXXX which I do not use at all. I then went through my history in detail to see if anything else was suspicious and noticed numerous online merchant charges not made by me across these months from merchants in XXXX and other overseas locations. I have never used or interacted with any such merchants before and I have had claims in the past that were approved for similar if not the same international merchants. But this time they just denied the claim and as a result, I am unable to pay for anything since I am out so much money now. The merchants charged my card internmently and in amounts in the low hundreds to high hundreds and all accross this broad date range and since I hadn't made it a habit to check every day and since I never received alerts or text notifications, I never spotted the fraud. Wells Fargo claims it's consistent with my pattern of use but it definitely isn't since I have successfully complained about such charge types on previous accounts with them and they say some of them require one time passcodes sent to my number to work, but I never received any passcodes. Most likely my card info and phone was leaked online and probably the texts were being sent in some way that masked the number as my number and so i never actually received those texts if that is what happened. I am the victim of large scale fraud, and I demand an appeal of this and refund of my money to my account. The suffering here is real and I can't let this go.

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 2023-06-19
Company: EQUIFAX, INC.
State: FL
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 made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: CA
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 XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX 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 acount without my written instructions. 

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any reason.

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 2023-08-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, 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 am currently in the process of renovating my home. I wanted to take out a loan but I checked my credit report before doing so. I noticed some items listed on my credit report that I never gave consent to. 

On XXXX XXXX my credit was ran without my knowledge or consent by XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: LD Holdings Group, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2021, I applied for a refinance on my home, sent in all the required documents and was approved for a conventional loan ( Loan # XXXX ) according the mortgage company - Loan Depot. The loan was for {$230000.00}. I submitted all the required, was told that i was approved and I even signed the loan papers electronically. I was then told that the only thing needed was to get the appraisal done. I gave the loan officer, XXXX XXXX my credit card for him to pay for the appraisal. The appraisal apparently came out fine so I thought that all was okay. 

Mr XXXX called me afterwards ( after the appraisal ) to let me know that I could not get the loan because of my income. He had already told me that the loan was already approved and the only action was to do the appraisal. I confronted him and his supervisor and he, Mr XXXX admitted that he made an error and that he rushed to get the appraisal done because he thought the loan was approved. He prematurely have me order the appraisal. 
I told him that i needed my {$500.00} appraisal fee back due to his error and he told me that would not happen. he kept forwarding me to other people and now they're not answering my calls. 

I need a refund of my fee. No one should be able to lie to a customer like that and not pay back for damages. 

XXXX XXXX - XXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Supervisor XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-12
Company: U.S. BANCORP
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I requested a balance transfer through my XXXX credit card who use Elan Financial as a third party. The balance transfer was approved and check was mailed by them to XXXX XXXX for the amount of {$7500.00} on XX/XX/23. XXXX XXXX deposited the check on XX/XX/23. The amount was taken off the XXXX XXXX account but later put back on saying the check was returned on XX/XX/23. I now have {$7500.00} on my XXXX credit card account and my XXXX XXXX account. I have spoke with both parties multiple times. Elan states the check as cashed and there is nothing else they can do. XXXX XXXX states the check didn't go through. Each party says nothing else can be done so I now have the charge on each account. XXXX XXXX refused to reopen the payment investigation and asked I fax anything to their General Correspondence. I did fax them proof of the cashed check that Elan sent me a copy of. Last person I spoke with at XXXX XXXX said that doesn't help because they did try to cash the check and that's all the proves, it's that the check didn't go through. When I reached back to Elan they again stated the check was cashed and no further investigation can be done.

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 2020-11-01
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2020 I disputed an account ( XXXX XXXX ) In the results of your first investigation, you stated in writing that you verified that this item ( XXXX XXXX ) is being reported correctly? with SEVERAL INCONSISTENCIES ( shown in an attachment ) reported on this account how could you have verified it with having so many inconsistencies? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that XXXX & Equifax provide me with competent evidence such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
OCwen loan Servicing LLC bought my loan from XXXX and I got 2 months behind and tried to catch up by sending 4 payment of {$100.00} extra and they never applied that money to my payments they said they put it in a extra account that just sat for no reason. They foreclosed on my home and I had to file Bankruptcy to stop the sale. That's when I paid XXXX and XXXX to {$4000.00} to help with filing a modification and this was after I was working with Ocwen myself for the loan modification and they keep telling me I was missing documents they needed for the approval. My loan modification was approved after XXXX. And I made the required payments8 then they sent my a package with the final agreement to be notarized and they sent it back 4 times saying there were errors made by the notary until they rejected them and I had to start all over. XXXX and dance XXXX told me they would refile for {$1000.00}, less. I thought I would try again on my own and Ocwen sold my loan to Phh loan servicing, LLC a company owned by Ocwen. In the meantime I'm acquiring interest out the yen Yamg while they are getting paid by there loan insurances. I now owe more on my home than I paid for it and I bought it in 2007 ,12 years. Doesn't this seem wrong. The money just doesn't add up and I went from a 15 year loan to a 30 year loan I don't understand. I have read a lot of stories about Ocwen and Phh loan servicing that sound a lot like mine. Go to Medium web pages and you'll find out about they are doing to home owner. Is their any thing I can do to find out if what their doing is right. I feel as a lot of others they are ripping us off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CORELOGIC 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a prequalification application for a home loan at XXXX XXXX on XX/XX/22. This was for both me and my husband. The online application said that my credit would NOT be affected and that no hard inquiry would be done, that it was only the first step in the process. However, a hard credit inquiry was done immediately, for me and my husband. I was alerted to it that day through my bank. I looked up the information on XXXX. It said " XXXX XXXX '' had run my credit. I don't know who that is but I think it's associated with XXXX XXXX because at the bottom of the report it says, " Real estate on behalf of XXXXXXXX XXXX  XXXX XXXXe. '' A loan officer named XXXX XXXX at XXXX XXXX was assigned to me automatically when I submitted the application and I immediately emailed him. It's now been two days and I've written him XXXX times and him and his manager XXXX XXXX together once, and they are completely ignoring me. I called XXXX XXXX nine times today and three times yesterday, and no one will explain what happened or fix the problem. I can not reach XXXX or XXXX. I called XXXX today XX/XX/22 to ask how to dispute the hard inquiry. I told them that I have already disputed it with XXXX XXXX and they are not answering me. ( In the emails I specifically told them that I am disputing the inquiry and asked that it be removed for both me and my husband immediately. ) The employee at XXXX said all I can do is ask XXXX XXXX to fix it because XXXX can do nothing. I do not believe that's true. I've asked how I can dispute this directly with XXXX, if I should mail a letter or something, and the person said it is impossible. She also said that any inquiries by XXXX XXXX are " authorized by law '' which does not make any sense. XXXX XXXX specifically said in their application online that this would NOT happen, and I told them that I did not authorize this or have any knowledge of it happening until it showed up on my credit report. Law does not authorize running credit without the consent of an individual. I do not know what to do and my credit score has already gone down by XXXX points.

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 2023-05-19
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
I can't believe that I continue to deal with these issues from the credit bureaus. How is this legal? XXXX, XXXX and LVNV, all say that they have reviewed my reports, and everything is reporting as it should. Everything is accurate, no mistakes and its XXXX XXXX XXXX who owns these accounts. None of the accounts I question have any errors and it's been 100 percent verified. Well i have again more proof that I continue to collect and use for a later date if these items are not removed immediately. Account # XXXX is not only on my report 4 times from the list above. The part that stands out the most is how they all have different last active dates! How do you all have the same account that was supposed to be verified as 100 percent accurate report 4 different last active dates! Are you purposely trying to get sued for breaking the law?? 
Remove these accounts immediately from my credit profile for reporting inaccurately, failing to investigate, and falling to verify these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Resurgent Capital Services L.P.
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 the consumer have tried to dispute accounts that were resulting in IDENTITY THEFT the creditors, XXXX, XXXX, AND XXXX failed to block and remove the accounts according to XXXX XXXX XXXX XXXX XXXX PLEASE remove accounts from consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-11-02
Company: Westlake Services, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My Name is XXXX XXXX. My home address is XXXX XXXX XXXX XXXX XXXX NJ XXXX. On XX/XX/XXXX I made my final payment to XXXX XXXX XXXX  on My XXXX XXXX XXXX Vehicle and was told that by XX/XX/XXXX I will have my title in my hand for that vehicle. On XX/XX/XXXX the end of business day I reached out to the bank and advised them that I did not receive the title for my XXXX XXXX XXXX, I was then told that their records show that it was mailed out on XX/XX/XXXX and I should give it an additional 10 business days for arrival. On XX/XX/XXXX end of business days I reached out back to the bank and inquire about this title again and was told to check with my DMV. I then reached out to the DMV and was told that a lien is still on my car and that they would not receive my title if it's paid off it should have been sent directly to me. I was then advised by the DMV to ask the bank for a Lien discharge statement and then I can apply for my title on my own. On XX/XX/XXXX I then contacted the bank again to request a lien discharge statement, I requested a copy to my email and one via mail. I was told again that they sent it via mail and I should check back my email within 2 hours it should be there. I called the bank back within 3hrs from our previous conversation, notifying them that I did not receive any lien discharge notice, they told me to wait a bit more for it to come through. I then gave the bank until the next business day ( XX/XX/XXXX ) and called back and it's still no help. At this point I'm starting to get the impression that the bank is lying and just refuse to hand my Title over to me and I need my title. 

I don't know how much this will helps but my account number with the bank on that car is XXXX. 

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have disputed Transunion about a collection account thats on my credit report that they wont delete from 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 2019-04-25
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: Information belongs to someone else

Complaint:
This is my second request for you to remove inaccurate information in my report due to identity theft. My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A,  state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report. These event has prevented me from getting finance as well as a better job to better my life.

Company response to consumer: Closed with non-monetary relief