BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am the natural person and consumer who is reporting a credit report error pursuant of 15 U.S.C code 1681 which states that inaccurate credit reports directly impair the efficiency of the baking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Transunion failed to report an update to a direct dispute. On XX/XX/2021, XXXX XXXX XXXX submitted a dispute in regards to an account that was placed in collections. Because I was denied documentation evidence I was unable to submit any documentation evidence for this dispute. However, this dispute was submitted almost 5 months and I have yet to receive a determination or documentation in regards to this account pursuant of 12 CFR 1022.43 ( a ) ( b ) ( c ) ( d ) ( d ) ( f ). In addition this is " Past Due '' by default which is being inaccurately reported. I never had a contract with XXXX XXXX XXXX therefore monthly activity should not be reported on my credit report. The debt collection agency also reported inaccurate information by reporting themselves to be the Original Creditor with a different balance that is not being reported now. I never gave consent for this information to be reported which is a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates, In addition pursuant to 15 U.S.C. 1681a ( 2 ) ( ii ) the consumer report should exclude this information I give Transunion consent to move forward with this complaint

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 2019-08-14
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I BOUGHT TWO XXXX XXXX CARDS FOR XXXX I NEVER USED XXXX SERVICE THEY HAVE NO PHONE BILL OR ANYTHING THEY CAN PROVE TO SHOW I EVER HAD SERVICE WITH THEM. SO I DONT OWE THEM ANYTHING, I PAID FOR THE XXXX CARD AND IT WAS NEVER EVEN ACTIVATED AND WHEN I TRIED TO 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 2020-09-01
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : CFPB Case ID # XXXX submitted XX/XX/XXXX already closed by CFPB i am filing this new complaint because of Incomplete Response provided by Specialized Loan Servicing ( SLS ) to Request for Information dated XX/XX/XXXX submitted on my behalf by Atty XXXX XXXX XXXX I mailed the following letters dated XX/XX/XXXX & XX/XX/XXXX to SLS To : Ms. XXXX XXXX I D XXXX Customer Care Support SLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX Dear Ms. XXXX, Your response dated XX/XX/XXXX to the Request for Information dated XX/XX/XXXX by Atty. XXXX was provided by XXXX/Atty XXXX to me. 
There were 7 items she requested from SLS. 
Kindly respond to the items you have not responded especially item # 4 about LOAN OWNERSHIP also provide the DATES of each Loan ownership transfer. 
Sincerely, XXXX XXXX XXXX Signed : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ca XXXX SLS loan # XXXX ~~~~~~~~~~ Dear Ms. XXXX XXXX I am resending this XXXX/XXXX/XXXX letter to you because I did not receive any response from you Sincerely, XXXX XXXX XXXX XX/XX/XXXX SLS loan # XXXX ~~~~~~~~~~~ XXXX XX/XX/XXXX SLS provided to CFPB copy of SLS letter dated XX/XX/XXXX from XXXX XXXX ID XXXX that SLS sent to me with the information that : XXXX XXXX was the Original Creditor Federal Home Loan is the Current Creditor SLS is a third party mortgage loan servicer ; servicing of the account was transferred to SLS on XX/XX/XXXX SLS also sent a copy of the recorded Assignment of Deed of Trust from XXXX XXXX XXXX to SLS. 

SLS & XXXX XXXX NEVER informed me of this Assignment of Deed of Trust dated XX/XX/XXXX until SLS sent to me the XX/XX/XXXX letter All the information that I received from both SLS & XXXX XXXX was the transfer of servicing from XXXX XXXX to SLS effective XX/XX/XXXX QUESTION remains : After the Deed of Trust dated XX/XX/XXXX was assigned to SLS from XXXX XXXX WHEN & WHO & HOW MANY MORE TIMES was the Deed of Trust transferred until it was assigned to Federal Home Loan, the  current creditor?

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 2018-04-04
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Synchrony XXXX in XX/XX/2018. I have asked them to provide me with specific information regarding the account in question. XXXX They have failed to provide me with the requested information, but instead provided me with a letter stating they have no record of the account in their system. They did not send me a contract between them and I showing that they in fact do own the debt and or that they do indeed have legal rights to collect on the said debt. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is my attornye sending them a letter stating my intent to sue.

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 2020-11-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My insurance and auto loan is with USAA. My vehicle was totaled and I am being asked to send a signed and notarized POA and affidavit of correction, and I was told to leave it blank so they can make changes to it.I was told they do this all the time. As far as I know you cant make changes to notarized document and Im not comfortable signing and notarizing blank documents for them to fill out later when Im not even sure what Im agreeing to. I was told if I dont they will not payoff the loan, they currently have me in collections charging late fees cutting of my credit cards, and reporting to the bureaus. Ive attached the documents they sent and was told to just sign and notarize, but leave the rest blank, and that theyll fill it out and I can trust them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020, a dispute letter requiring Experian for two accounts. One for account XXXX XXXX and XXXX XXXX. As it is my right according to the FCRA, I required and demanded according to the law that Experian validate both reporting accounts. I required that they provide the contract bearing my signature the method of validation, along with the infomration of all individuals who validated this account and their method of validation. Experian sent back a letter stating that the information was validated. However, no such documentation or requested information was provided. I sent a follow up letter on XX/XX/2020 as a good faith effort asking them to follow up with the required documentation and information to validate this account. Experian again failed to send the requested validation information. On XX/XX/2020, I sent a final letter to Experian demanding the required documentation for the two above mentioned accounts. Again, Experian completed their investigation without providing the required documentation. 

According to the FCRA, all credit reporting agencies have 30 days to validate the account. If the accounts can not be validated and a contract binding me to this debt, bearing my signature is produced, the accounts must be deleted. I have provided Experian with an additional 60 days totaling 90 days to complete the dispute and legally provide all requested documentation. Experian has failed to comply and are now willfully breaking the law and reporting false and fraudulent information on my credit report. They are illegally damaging my character and credit reputation. 

At this point both disputed accounts MUST be deleted according to the law. Experian are well out of the 30 day window to properly validate these accounts and can not continue to illegally report these accounts. Experian must remove these accounts IMMEDIATELY before final legal actions are taken.

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 2021-01-26
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:
Wells Fargo billed us for a charge of {$320.00} for an ATM withdrawal in XXXX XXXX where we have not been. Wells Fargo claims that it was done with my wifes debit card. My wife has not been to XXXX XXXX so the charge is fraudulent. 
We tried several times for resolution with Wells Fargo and they refuse to do the right thing and correct it. 
I have been a customer for XXXX years and they treat us like XXXX. 
XXXX Wells Fargo and see that they tell us who they are, yet we still do business with them. Why? 
Wells Fargo might be great bankers, but lousy humans.

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 2018-04-04
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo, I have called for the last week to get a reinstatement letter with no call back. I have left 5 messages with my assigned migator XXXX XXXX. He stated he would call me last week and still hadn't. The company admitted they applied previous payments to the wrong account and I have attempted to get a check recut with no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I received a call at XXXX am XX/XX/XXXX and XXXX am on XX/XX/XXXX. Ive blocked many of this companies numbers but they wont stop. Ive asked them to stop, now they call outside of the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: Experian Information Solutions 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NOT AUTHORIZED THE ACCOUNTS AND INQUIRIES. THE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-11-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13. 

2. The creditor failed to send a written acknowledgement of the consumers billing error notice dated on or about XX/XX/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Sent a preapproved offer in mail for credit card offer so applied at capital one venture site. Reservation code XXXX access XXXX I have perfect credit yet was denied for unknown reason Why would they solicit me an offer if not eligible for bonus points, bad marketing practices, I would like my hard pull reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-12-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an account with XXXX XXXX Account # XXXX Which I had paid off back in 2016. I have checked my credit report and notice several discrepancies. 1. The Last payment made differs drastically between the bureaus 2. No First delinquency date is listed, this is important since it lets me know when this account will be remove. I have sent a letter to XXXX, Experian and XXXX and to no avail did any corrections happen. It seems they get the data from the same source XXXX XXXX which seems to be sending inconsistent data.

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 2020-12-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an account with XXXX XXXX Account # XXXX Which I had paid off back in 2016. I have checked my credit report and notice several discrepancies. 1. The Last payment made differs drastically between the bureaus 2. No First delinquency date is listed, this is important since it lets me know when this account will be remove. I have sent a letter to XXXX XXXX and Equifax and to no avail did any corrections happen. It seems they get the data from the same source XXXX XXXX which seems to be sending inconsistent data.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
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:
Yes I bought a 2018 XXXX XXXX XXXX weeks ago and decided to pay it off. I sent them a certified bank check for XXXX XXXX plus still have not applied my payment or reported it to credit bureaus or sent me my title. Didnt even apply my payment to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: EQUIFAX, 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 have disputed incorrect information to all three credit bureaus several times and they have not removed adverse information off of my credit report. I have called disputed online through XXXX XXXX as well as directly and they have not removed the incorrect information. I have asked for proof to verify in writing the debt that they keep reporting that is owed and I have not received any verification proof or documentation from the original creditor, the third party debt collector or the CRAs. I am requesting that all errors and incorrect information be removed from my report immediately according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I did purchase a car in XX/XX/2014, as a Creditor/Entitlement Holder/Registered Owner, I did did send them a Conditional Acceptance upon Proofs of Claim to XXXX XXXX XXXX XXXX, giving them 30 days to submit their claim/validating the alleged debt, they never did. I did issue an Affidavit of Notice of Default, right after that, they stop sending statement. Further more I did send them an Optional Form 91 to release the property from escrow, they never reported the account properly, instead they have it listed as a charge off on all 3 credit bureaus. XXXX XXXX XXXX XXXX did also receive a bill of exchange in the amount of {$40000.00} and, they never correct the reporting nor try to repossess the car.

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 2020-05-23
Company: EQUIFAX, 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:
I have mailed several letters to the bureaus in efforts to correct some misleading information on my credit report. The bureaus have not responded to the requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I had an account with XXXX XXXX. I was a victim of racial discrimintation from this compnay. I lost my car. The company is reporting false information that I made payments in 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make payments on these months. I asked for documentation as it pertains to these payments and never received any response. Also, they took more seven years to charge off my account after being more than 180 days delinquent in 2014. I would like for this to be noted that these people are harassing me. Also, that the account is being handled by an outside agency where they are still attempting to get money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed a dispute with the credit bureaus about the company for reporting incorrect information. They are reporting I have two accounts with the same account number with different balances to the credit bureaus. Besides double reporting and trying to collect on the same account. It has also passed the statue of limitations. The account was open on XX/XX/XXXX. The first payment was due in XX/XX/XXXX. No payment was made which makes the first date of delinquency XX/XX/XXXX and it should have been removed from my credit report in XX/XX/XXXX. They also reported no information until XXXX to the credit bureaus, which too is inaccurate. Reporting should have began when the account was open and included the actual first date of delinquency- XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
In XX/XX/XXXX, I opened an account with PNC to have as a savings account. In XX/XX/XXXX I logged into the account I discovered the bank had been debiting my account {$25.00} a month, totaling {$420.00} taken from my account. Speaking with a resolution XXXX, XXXX XXXX the bank does not dispute that I had not logged into my account from XX/XX/XXXX until XX/XX/XXXX. They do not dispute that no services were offered on my account ( I never called in, did activity, etc ) but they denied my request for a refund of these fees. 

The mistake of putting {$430.00} less in my account to open it, should not be a penalty of {$420.00}. The PNC virtual wallet terms state that " six consecutive months '' of inactivity causes the account to be considered inactive. Yet, they charged the fees even after six months. 

Although I did try to work this out with PNC, they have offered no refund of the $ XXXX monthly {$25.00} fees, as relayed by XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief