BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We closed on our home XX/XX/2020 and received a cashiers check from the title company on a local bank. We deposited the check with Wells Fargo XX/XX/XXXX. The manager XXXX said there would be a few days hold on it and he would call and check on it and get back to use. He didnt. Its been 8 days so I called title who called the bank and they said its been available since XX/XX/XXXX. So the manager lied again. 3 lies : it wasnt released in a couple of days, he did not get back to us ( I had to call him ), he never followed up, he never called the bank as he said he did. We are frustrated Wells Fargo has lied and still not given us our money. 

The Wells Fargo office involved is at XXXX XXXX XXXX, XXXX XXXX, CO XXXX. The manager we are having the problem with is XXXX. 

We also called Wells Fargo corporate who said they would work on it and there never should have been a hold on a cashiers check.

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 2021-08-18
Company: 391 Financial, Inc.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive multiple calls a day for them, followed by multiple text messages. I have also been receiving calls at work which I have asked them not to contact me there. I have asked for the frequency to stop and now I've received a letter threatening to report to the credit bureaus to hurt my credit. 
I have tried to work with them and make payments that work with what I can afford, but the repeated calls 3-4 times a day is excessive and not needed. It's harassing and not needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX  XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. {$610.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$1000.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$170.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$510.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$210.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date OpenedXX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$7800.00} Balance Updated XX/XX/XXXX Recent Payment $ 435 Monthly Payment {$430.00} Original Balance {$18000.00} Highest Balance {$0.00} Terms 84 Months XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$170.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$510.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$210.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$7800.00} Date OpenedXX/XX/XXXX filed ftc not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Ditech Financial LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
In XXXX i called and complained about Greentree Services taking my name off the account to push it thru from XXXX. When I called they told me XXXX merged with Greentree and they took all the accounts. They took my name off and put my cousin who was the original cosigner when we initially purchased the home. I paid for years to find out the 3 bedroom mobile home was in my cosigner 's name only after paying over 11 years. He never paid XXXX. Greentree took my money and sent the bills to me for years. I complained about them in XXXX trying to settle why my name was off the paperwork. Reps called harassing about the payments when I was late but I kept paying. Im a XXXX year old lady that paid for this home all these years and was told a settlement check was going to be paid to the person name on the account and refused to talk to me. I have receipts and billing statements they sent to me in my name and his. When I asked the cosigner if he recd a settlement check he refused to say. I have my proof and taking him to court but was advised to complain online to CFPB. Please assist. CI really need my owed money Greentree from me. Feel free to XXXX. I have the cosigner 's address and phone number and will supply when need be to resolve this situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: DC
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/XXXX I sent a letter regarding inaccurate and unknown items on my credit report. Now over 120 days later I have not received one word about my inquiries and more importantly about the inaccurate items reporting on my credit report published by Equifax, XXXX and XXXX XXXX. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 128 days soon. These items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
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: Account information incorrect

Complaint:
XXXX  and Equifax refuses to remove the unauthorized hard inquiries on my reports ... I contacted the creditors ... in turn they said they apologize, and that they should be removed if I did not give consent to them ... I have disputed these inquiries about 3 times to no avail ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Due to a change in my employment and XXXX kids entering college 2014 I had attempted to work with two banks that I had lot loans with in an effort to lower the monthly payments. They could not or would not work with me to construct a proactive solution to my financial issues. I then had to make a decision to assist my children or keep paying into the lot loans. Of course I choose my children and so I let the lots or into voluntary foreclosure. Fast forward to no and one of the loans through XXXX XXXX XXXX has been resolved but TD bank is now reporting that I owe XXXX as an immediate payment. They are reporting that I owe this every month which of course throws off my debt to equity ratio. They didi not wave the deficiency judgement when it was foreclose on so I do owe this money but I believe how they are reporting it is malicious. Even though my credit blemishes are explainable the way this is entered has precluded me from getting any kind of loans for debit restructuring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: VA
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: MIDCOUNTRY FINANCIAL CORP
State: AE
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:
I was going over my credit report and saw that a company pulled my credit 3 times and they had no authorization to do so. This is illegal and is a violation of my privacy. This has also had a negative impact on my credit and is causing the process of obtaining a mortgage loan to be a bit more difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-08-18
Company: EQUIFAX, INC.
State: CT
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:
Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ). 

XXXX is a creditor as defined by 15 USC 1692a ( 4 ). 

XXXX alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

XXXX is a corporation whose residence is in the state of PENNSYLVANIA. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to correct the incorrect " LATE PAYMENT '' marks on my account since XX/XX/XXXX and XX/XX/XXXX 

XXXX has failed to supply any record of payment under the original creditor XXXX XXXX as requested and has not verified the claims of the late payments. 


ALLEGATIONS/COMPLAINT : -XXXX in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers without verifying its validity after I the consumer notified them in writing that this alleged late was payments were incorrect and I was taking steps to investigate it personally. 

-XXXX in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- XXXX has caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
the original loan officer XXXX  # XXXX took a loan refinance application from me after I applied online through ROCKET MORTGAGE. Loan Officer ran my credit, asked for my income scenarios, almost declined me on the spot, until i told him my wife has part time job. he was not interested in seeing my entire financial picture or tax returns and was declining me based on verbal income verification. then he asked for two years w2 from my wife 's part time job and disappeared on me. when i reached him a week later, he said my application is simple passed to another loan office. there has been no communication from him except passive responses to my complaint. I like to know how they can deny me without looking at my full taxes, and why they are not responsive, except to pass the blame and use excuses only when I ask him for explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I get phone calls all day from them. They leave messages saying they're issuing a warrant for my arrest. I told them before I could only pay at least {$30.00} per month, more if I could, if they could agree to send me a monthly bill. They agreed but never sent a bill. So I keep getting threatening messages. I've tried to resolve this but they aren't sending me bills like they agreed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09
Company: Remitly, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent {$570.00} to my Account in XXXX on XXXX XX/XX/2020 by Remitly. Its not deposited to my account. They dont have any customer service. Customer chat, phone and Email is unavailable. So I cant get any help from Remitly. Transfer XXXX XXXX. Also lots of people complain same problem with Remitly in reviews. Hopefully I will get help from consumer finance. Please take a action about this matter. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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:
In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had fixed. Due to CREDIT BUREAUS ' lack of response, which I classify as frivolous, they have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and FIX my records. Please FIX the following accounts, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. They have 30 days to VALIDATE the accounts listed below : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$15.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} Evaluate this reporting by revising the information provided.

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 2018-02-21
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account with no validation being received. Please help as this is unknown

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 2021-08-18
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: Information belongs to someone else

Complaint:
Reached out to companies about hard inquiries on my credit report. These companies have no information for me on file. I do not know why this is on my credit report but these inquiries should be deleted immediately from all major beaurus. The inquiries were made on XX/XX/XXXX. Three inquiries from XXXX XXXX and 1 inquire from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: JPMORGAN CHASE & CO.
State: FL
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 customer service

Complaint:
Hello. I have a huge issue with Chase Bank after the inhumane, immoral, and likely illegal activity that they pulled with my account. To make a very long story short, I have been a loyal Chase customer for many years. I have never missed a payment, never been late on a payment, and even paid my balances greater than just the minimums. Roughly a month or two ago, I had an outstanding credit card balance of about {$25000.00}, on a credit card with a limit of about {$30000.00}. After months of putting money together, I was able to make a total payment on my card, basically paying it down to nothing. The next thing I know, Chase takes away my credit line, decimating it from {$30000.00} to {$700.00}. Chase took 99.9 % of my credit away after making a payment in full. When I asked them about this, they said that the large payment triggered an account review, where they felt it was OK to get rid of nearly all of my credit. Not only did this make things increasingly difficult during a pandemic no-less, but they offered no assistance in making things right. Nothing. They were happy to see me leave after I made a major payment to them. I would like this instance investigated to find out exactly what they did and if it were legal to make a unilateral decision like that, without any notification. There is no doubt that to Chase I am just another number to them, but what they did was very questionable to say the least. Even asking to speak with supervisors, they brushed me off and basically told me to leave. Is there anything that can be done here? 

Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Choice Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a medical Debit on my credit that i have no association with. The date assigned was XX/XX/2015 by Choice Recovery Inc for {$400.00}. I have never seen this  account or done business with Choice Recovery. I have disputed this with other bureaus and it has been removed, but seems not to be removed from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX  XX/XX/2022

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 2021-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Reached out to companies about hard inquiries on my credit report. These companies have no information for me on file. I do not know why this is on my credit report but these inquiries should be deleted immediately from all major beaurus. The inquiries were made on XX/XX/XXXX. Three inquiries from capital one and 1 inquire from XXXX XXXX XXXX

Company response to consumer: Closed with explanation