BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: Experian Information Solutions 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:
On XX/XX/XXXX we sold and closed on our home @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThe home sold for {$380000.00} and the payoff to XXXX XXXX XXXX XXXX XXXX was {$300000.00}. This included late fees, XXXX XXXX XXXX  etc. In XXXX of XXXX I viewed my credit report and saw that only Experian had listed this account as a Charge Off, so I disputed. No changes were made. In XXXX, I submitted my lien release and settlement statement from XXXX XXXX XXXX, still no change. They stated not enough information. I contacted XXXX and they stated they did not report this as a XXXX but Affected by a Natural Disaster. We were behind during COVID but, paid everything off in full and even received Escrow funds back. I'm not sure what else I can 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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so.Please investigate my disputes, please. 
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 non-monetary relief
Consumer complaint received 2018-06-12
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: Problem with personal statement of dispute

Complaint:
This debt was previous disputed and removed by another collection company " XXXX XXXX '' because the original lender could not prove that I legally owed this debt, so after I disputed and resolve this debt. It was sold to another company " XXXX XXXX XXXX '' and I ask then to do the same. Experian did not do their due diligence in their investigation, if they did, then Experian would have recognize that I disputed this debt before and it was removed cause the original creditor could not verify this debt and months later it was sold to another collection agency. I requested the collection agency 'XXXX XXXXXXXX XXXX '' to provide me with several documentation : 1. What do I owe this money for? 
2. Explain and show me how they calculated what they say I owe?

3. Provide me with copies of any papers that show I agreed to pay what they say I owe?

4. Provide me with any judgement, if applicable?

5. Identify the original creditor?

6. Prove that statue of limitations has not expired on this account?

Experian has said they verified this information. I believe they never contacted the original creditor and they never provide me with a letter or letters from the original creditor.

I attached all the necessary documents as proof, to further prove that Experian did not do their due diligence in verifying if this information is correct.

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 2019-09-16
Company: RockLoans Holdings LLC
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Early XX/XX/2019. I responded to an opportunity to apply for a loan Rocket Loans,  which is a sister company of XXXX XXXX, my mortgage company. 
Turned out Rocket loans requires access into a persons bank accounts as part of the loan approval process, which was for {$8000.00}. I am a XXXX. They told me this practice is safe and is approved by the XXXX XXXX XXXX and to trust them while they are in my bank account. Against my better judgment, I got on my computer with them on the phone and helped them access my bank account. I was also asked to click on auto payments while I was in there. There was a hitch, however, I also send part of my salary to another bank, and the Rocket loan program could not do two banks, so instead, they set up the program to let me attach two weeks of pay stubs, which I did. Two days later, they said, they fixed the program so it can also access my other bank if I let them in.. I was then told it was due to anti-money laundering regulations or something.. I had enough. It all sounds fishy. 
This is a VERY intrusive process, and it made me feel like I was being XXXX. Even my bank had warned me not to do it but I really wanted the loan. I guess that is just one loan  company but every creditor will want to do this if they can unless someone steps up and protects us, consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: WELLS FARGO & COMPANY
State: NJ
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 rewards from credit card

Complaint:
Followup to CFPB case # XXXX As stated in the attached XX/XX/18 letter from Wells Fargo, XXXX rewards points were to post by XX/XX/18 for redemption. As of XX/XX/18, the points have yet to be posted.

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 2022-07-05
Company: PNC Bank N.A.
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: Problem with personal statement of dispute

Complaint:
Good afternoon, I have recently filed a dispute regarding 2 payments that were deemed late. The reason I could not make the payments on time was due to me losing my job during the covid pandemic. I called my banks and informed them of my situation and they informed me that I would get an extension for my payments. Now I have noticed that these late payments completely ruined my credit score. I have only ever made 2 late payments in my total credit history and it was due to the negative affects of Covid 19. I appreciate this help greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
When i pulled my report I discovered there were some erros on my report from companies that were reporting on my credit. Here are the creditors : 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 explanation
Consumer complaint received 2019-09-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have another active complaint regarding my payment issues involving my Wells Fargo Credit card - complaint file # XXXX - and I would like to submit an additional complaint regarding issues with the process. 

The initial problem started appearing several months ago, when I was making payments via the Wells Fargo website, and using the option to make a payment 'from an external account. ' Every payment I made, regardless of size, started being held for several days, for reasons that were not ever justified. Due to the issues involving holds being placed on payments made in this way, I opted to try making the payment directly from my checking account ( at another institution ), via the online bill pay system. 

The payment is set up to be processed electronically, which I have verified with my checking institution means that the payment will clear my checking account when it has been electronically sent to Wells Fargo. I was hoping this would prevent Wells Fargo from holding my payments in the way they have been for several months. However, today, the electronic payment cleared my checking account - and is not showing anywhere, not even in 'pending ' transactions, on my credit card. I have called my checking institution to verify that the payment was sent, and they have confirmed that it is complete. 

Unfortunately, what this means is that I still don't have a way to make payments to my Wells Fargo credit card, and have them reflected to the card 's balance in a reasonable timeframe. Wells Fargo now has a cleared payment - something that has already left my checking account elsewhere - and it appears that payment is being held in suspense somewhere and not being applied to my card. 

I was, again, not able to find any resolution by contacting Wells Fargo customer service.

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 2018-10-17
Company: Ditech Financial LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ditech sent me an escrow shortage letter. they said they were going to increase my payment do to shortage. i sent them an escrow shortage letter for the amount they stated. they cashed my ck and still raised my payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: EQUIFAX, INC.
State: NV
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:
Please remove the inquiries listed below as they are not familiar to me and I did not authorize them. The inquiries are damaging to my credit and score. Please Remove these items from my report ASAP. 

XXXX XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX   XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 Equifax XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX  XXXX XXXX- Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX XXXX XXXX- Inquiry from XX/XX/2018XXXX  XXXX  XXXX XXXX-Inquiry from XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Please remove the inquiries listed below as they are not familiar to me and I did not authorize them. The inquiries are damaging to my credit and score. Please Remove these items from my report ASAP. 

TransUnion XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX   XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX XXXX XXXX-Inquiry from XX/XX/2018 XXXX  XXXX  XXXX  XXXX- Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX  XXXX- Inquiry from XX/XX/2018 XXXX  XXXX  XXXX  XXXX-Inquiry from XX/XX/2018 XX/XX/2018

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 2020-05-11
Company: Experian Information Solutions Inc.
State: GA
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:
The US Department of Education has been reporting student loan account incorrectly on each of my reports for years. I have disputed each account multiple times, and nothing has changed. The credit reporting agencies never send a reason why no investigation was 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 explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: HI
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 complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: ARVEST BANK GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Entered into a forbearance with Arvest Central Mortgage. Was informed that so long as the payments were made before the end of the forbearance my credit would be fine. My account was good until XX/XX/XXXX. In XXXX I was called to discuss options and I informed the representative that we were selling our house and closing on XX/XX/XXXX. I said we would be taking the proceeds from the sale and paying off the loan. 
On XX/XX/XXXX, we closed and the loan was paid off. On XX/XX/XXXX I started receiving emails that my credit score went from excellent to poor. Upon checking, Arvest reported my account delinquent. Several calls and emails to Arvest confirmed that my account was improperly coded and that my account should have been reported as NOT being late or delinquent due to the forbearance. One agent said she could see in the computer that my account was not coded correctly. 
The last call I made, I was told there were over a hundred people in front of me and they would get to me when they got to me. I am trying to finance a car and my credit is ruined due to a glitch on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2020, I discovered an alleged debt reporting on my credit reports for XXXX XXXX XXXX XXXX for an amount of {$350.00}. On XX/XX/2020 I sent Enhanced Recovery Company , LLC ( ERC )., a request for validation as I am allowed under the Fair Debt Collection Practices Act and requested for validation including a separate request for an assignment under the California Rosenthal Fair Debt Collection Practices Act ( Ca Civil Code 1788.13 ( l ) ) which prohibits " Any communication by a licensed collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. '' I did not receive any response from Enhanced Recovery Company LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: MO
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:
Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone pas the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which can not be verified. Please resolve this matter as soon as possible. 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 2018-06-12
Company: Ability Recovery Services, LLC
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: Problem with personal statement of dispute

Complaint:
This debt was previous disputed and removed by another collection company " XXXX XXXX '' because the original lender could not prove that I legally owed this debt, so after I disputed and resolve this debt. It was sold to another company " Ability Recovery Services '' and I ask then to do the same. XXXX did not do their due diligence in their investigation, if they did, then XXXX   would have recognize that I disputed this debt before and it was removed cause the original creditor could not verify this debt and months later it was sold to another collection agency. I requested the collection agency 'Ability Recovery Services '' to provide me with several documentation : 1.  What do I owe this money for? 
2. Explain and show me how they calculated what they say I owe?

3. Provide me with copies of any papers that show I agreed to pay what they say I owe?

4. Provide me with any judgement, if applicable?

5. Identify the original creditor?

6. Prove that statue of limitations has not expired on this account? 

XXXX has said they verified this information. I believe they never contacted the original creditor and they never provide me with a letter or letters from the original creditor. 

I attached all the necessary documents as proof, to further prove that XXXX  did not do their due diligence in verifying if this information is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION AND BECAUSE OF THIS IT HAD CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Credit card account was closed due to lost credit card. A new account was opened and a new credit card was issued. The closed credit card account is still appearing as open with the original balance that was transferred to the new account rather than being reported as closed due to lost card with a XXXX balance. The new account is also appearing with a balance. The credit reports show 2 of the same accounts : the closed reporting as open and the new inaccurately also reporting double the amount of debt. I have filed disputes with all 3 credit bureaus and contacted the company, but it has NOT been corrected. Also this company as slow and sometimes fails to produce a credit card statement, and unpredictably reports to some bureaus and not the other, and/or the credit reporting agencies are not processing the information they receive from this company and updating timely and accurately.

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 2020-06-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2020 noticed PayPal had removed {$1.00} from my checking account On XX/XX/2020. Was told that Symphony represented PayPal but was not PayPal. Was not able to talk to a PayPal customer service member because it was after hours. However, Symphony appeared to be authorized to ask for my name, phone number, and last four digits of my social security number. The represents on the phone was also calling themselves A PayPal Credit representative. 

My issue about having an unauthorized withdrawal is unresolved and I attempt will follow up. More than likely I have been robbed by a transaction from ACH/PayPal with a bi-line XXXX XXXX I see Im probably 1 in 700 plus being robbed with some sort of online exposure. In which case 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