BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: WELLS FARGO & COMPANY
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX I went to XXXX XXXX XXXX dealership to purchase a vehicle. I purchased a XXXX XXXX XXXX. I slightly knew my car salesman so I was ok doing business with him. " I thought ''! I came into the dealership around XXXX XXXX and begin the actions of purchasing the XXXX SUV. The salesman sat and asked for my employment and he asked some other questions. Afterward, I passed him my driver 's license and he ran to do a credit check. He ran back excitedly about 5 min later and threw my employment information on the desk in front of me and yelled, " You're Approved! '' I was confused because I knew my credit score so I knew I would be approved I just wanted to have a good interest rate approval. That was not the case at all, my credit score is XXXX  now, and it was the same at the time of the vehicle purchase. I asked the salesman what is my interest rate? he hesitated, then finally said 9.645 % I said " WHAT! '' So I said you went with the first bank? You must try another one. Afterward, he went and grabbed his supervisor, he was being very dishonest to justify the very high-interest rate. I just couldn't believe my ears! So I asked the salesman supervisor what's going on with my interest rate? He replied your zip code and credit score decide your interest rate. FLOORED! My credit is XXXX. Be aware!

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 2018-02-27
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought my home XX/XX/XXXX for the amount of {$220000.00}. The home was appraised closing with a value of {$260000.00} at closing. When purchasing the home I did not provide a downpayment in the amount of 20 % of the home value, therefore I had to purchase private mortgage insurance ( P.M.I. ) on the home until 20 % of the home value was paid off. 20 % of {$260000.00} is {$53000.00}. This means I would have to owe ( $ XXXX- {$53000.00} ) {$210000.00} or less for the P.M.I. to be taken off of my monthly mortgage payments. According to law, the lender should take the P.M.I. off of my loan once the 20 % is met. At the time of closing my borrower did not provide me a PMI disclosure form to identify when the 20 % mark would be met. 

When closing on my home my loan was thru XXXX XXXX XXXX, for the past 5+ years my loan was taken over by Wells Fargo Home Mortgage and they are my current lenders. I have never missed or been late on a mortgage payment. 

In XX/XX/XXXX I reached the 20 % mark on the value of my home. Starting XX/XX/XXXX I have owed {$210000.00} or less on my home. As of XX/XX/XXXX I owe {$190000.00}, this is far beyond owning 80 % or less of my home value. 

I have reached out to Wells Fargo to have the PMI removed from my mortgage payments, but they refuse. Wells Fargo has stated that I must pay off 22 % of the " loan '' before PMI can be taken off, and that the 20 % is not based on the value of the home at closing. 

It was never identified to me at closing that the 20 % was based the " value of the loan '' and not the appraised value of the home at closing. This information is new to me and in XX/XX/XXXX I do not believe this was the agreement at closing. I would like to receive some evidence that I agreed to an otherwise condition against having the PMI be based on the value of the home at closing.

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 2018-02-27
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: Was not notified of investigation status or results

Complaint:
Experian Report # XXXX ; XXXX Confirmation # XXXX ; I am filing this complaint because XXXX, XXXX, & Experian have all failed to provide me with the documents that their companies are required by law to have on file. these are the same files that were used to verify my accounts I disputed. Being that they have gone past the 30 day mark they can no longer verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA..it states they are required to ... .... '' promptly delete all information that can not be verified '' that ive disputed. I will really appreciate your help since I haven't been getting help from the bureaus I hope you will resolve this issue promptly business and profession acct # XXXX business and profession acct # 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 2018-01-24
Company: Experian Information Solutions Inc.
State: AR
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 have called and written numerous time to XXXX about hard inquires on my credit report. I do not have an knowledge or remember having these companies pull my credit or applying with companies. XXXX has stayed these inquires are factual and to contact the creditor. This inquires are not factual.

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 2020-02-10
Company: PlusFour, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has refused to VALIDATE this debt is owed. They also have clearly violated my Hippa rights and have sent no proof that I gave permission for them to have my medical information. 

The original creditor XXXX XXXX asked plusfour to remove this debt from my credit on XXXX XXXX and they absolutely refuse. They stated that I need to provide them with all proof and they dont need to validate it. I spoke to XXXX a supervisor and she also stated they refuse to send me the contract or any VALIDATION provided by the hospital. They can only send an itemized bill. I have attached the proof directly from the original creditor that I DO NOT OWE THIS DEBT. The original creditor did not bill my insurance company in time, there for it was a billing error and I owe absolutely nothing. XXXX XXXX is reaching out to plusfour once again to ask them to remove it and I am now filing a Hippa complaint as well as one with 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 2019-05-15
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: Problem with personal statement of dispute

Complaint:
I have inaccurate information on all three of my credit reports ( XXXX, XXXX, and Transunion ) which I have disputed with XXXX  XXXX. I do not have a contract with XXXX XXXX ( account number XXXX ) but yet they are reporting on my credit report. I wrote a letter and also disputed several times to XXXX, XXXX, and Transunion to send me proof of my original contract with XXXX XXXX or to remove it from my credit file and I did not receive a signed contract proving I have this account with them. By law there are not to report any inaccurate information on my credit report, which in this case it is inaccurate.

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 2020-10-08
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Lowes credit card on XX/XX/20 for the 20 % off introductory offer + 5 % off if I opted for one time payment vs 6 months installments. The application was approved and I placed an order for a XXXX XXXX which was scheduled to be delivered on XX/XX/XXXX. 

On XX/XX/XXXX, I was sent an email informing me that the delivery date has been changed to XX/XX/XXXX. 

On XX/XX/XXXX, I received an email stating that my order was cancelled. 

After talking to customer service, they informed me that the payment didn't go through. After 18 days! Even though I used a credit card I applied for that day and got approved and used it to make the purchase. 

So now I have an impact on my bureau, no grill and Lowes is refusing to correct the matter.

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 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several accounts that had been open under my name. I believe someone has been trying to purchase something using my name for sometime because there is several accounts that do not belong to me. I have taken action to prevent anyone from opening anything else under my name. Please remove all these fraudulent accounts from my credit report. 

XXXX XXXX XXXX {$510.00} XXXX. XXXX XXXX XXXX {$450.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home XX/XX/XXXX with Wells Fargo, in XX/XX/XXXX I was behind in my payments for maybe 5 to 6 months at the most. Instead of losing my house I went to Wells Fargo for some help and was told they were going to put the pass due that I was behind at the back of my loan. Just recently I decided to sell my house and move to another location due to a very good career change. To my surprise when the title company pulled the title to my property there was an additional loan from HUD for {$34000.00}, that I had no clue was a part of my mortgage. So to find out, the help they gave was modification of my loan and extended it out for another 26 years. Also, all of my principle that I paid prior to my loan modification it seems to be missing. I requested a payment history from Wells Fargo about 2 weeks ago for my payment history from XX/XX/XXXX - XX/XX/XXXX and yet to have received the requested documents. I've been in my house for a total of 9 close to 10 years and Wells Fargo is stating I've only paid {$9000.00} total to them. I would like to know where all of the money I've paid for mortgage over the last 9 years has gone. Please advise me what steps I should take to get the needed documentation for auditing purposes. A representative from Wells Fargo stated they are revieiwing my case due to a red flag they found, but I have just to get any resolution.

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 2019-01-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Wells Fargo is not honoring their promotion. I have physical documentation of this promotion. I've even followed up and filed numerous claims. Bonus of {$100.00} was never rewarded and now they say they promotion never existed when i have the physical documentation.

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 monetary relief
Consumer complaint received 2020-02-10
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Convergent Outsourcing Incorporated has been relentlessly harassing me with debt collection phone calls for the past few months. They have been using deceptive tactics to harass me such as using an VOIP number to spoof the local area code of the harassment victims number. Also when questioned, they will not divulge they are a collection agency on the phone.I would like to sue Convergent Outsourcing Inc. for the maximum {$1500.00} per harassing phone call made to this number. They are attempting to trick me into making a payment on old zombie debt years passed the Statute Of Limitations in order to reset the SOL making old zombie debt legally actionable again. I am aware of my rights and the laws regarding debt past the Statute Of Limitation and I WILL NOT be making any payments now or ever on old zombie debt past the SOL. I am requesting that Convergent Outsourcing Incorporated Cease and desist any and all attempt to contact me again or make any further collection attempts on the account associated with the phone number listed above.

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 2018-02-27
Company: Financial Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am tired of being threatened by these dishonest, and deceitful collection company. They keep calling me and sending information stating they have sold my accounts. I do not have an account with these companies. Please help! They have the wrong XXXX. XXXX XXXX. Please help me. I am a Veteran, and XXXX XXXX XXXX XXXX. They have caused me to be disqualified on my V. A. Loan that I rightly deserve please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For the past few months I've been writing and requesting documentation from Penn Credit to no avail, please help me! I have no idea what they are collecting for and their agents keep calling me at work and my cell! I've asked them several times both over the phone and in writing to please mail me information, which they refuse to do!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: MN
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:
Not my accounts or inquires

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 2019-05-15
Company: Netspend Corporation
State: AZ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX I went to XXXX to pick up my rental car. I rented there before and asked the agt that the deposit hold would be the usual {$250.00}. He said yes. He finished the rental agreement and I walked out to the car but got a text from XXXX saying {$280.00} had been deducted from my acct. I went back in and showed the agent. He showed me his register and his showed {$250.00}, I showed {$28000.00}. Evidently I had an active reserv. for the 24 hr rental and a previous weekend rental I had cancelled. The agent wrote the agreement from the cancelled reserv. I called XXXX and was told XXXX would have to issue a credit once they cancelled the agreement. ( I no longer needed the car as I had to be where I was going by a cutoff time and that was less than an hour from then and the drive itself was an hour. ) On XX/XX/XXXX at XXXX XXXX credit + {$250.00}. At that point we were even.The very next posted transaction on XX/XX/XXXX at XXXX is a DEBIT for {$250.00}. From all the information I am able to see through the customer website I see no evidence of the original debit on XX/XX/XXXX ( got a letter to supply to the mgr at XXXX  ) the credit on XX/XX/XXXX and the second debit on XX/XX/XXXX. For almost the last month I have been trying to get what it looks like I am owed. I filed a formal dispute XXXX by XX/XX/XXXX it was closed because XXXX issued a credit. Tonight I spoke with XXXX/netspend and a month later I am being told that not only did XXXX issue a credit but now I was told XXXX/netspend also issued a temp credit and that is why the 2nd debit at XXXX XX/XX/XXXX to reverse out this supposed temp credit issued by XXXX/netspend. If that is the case, why am I just finding this out now? Why didnt the dispute process uncover this supposed temp credit. The XXXX agt kept asking me " how do you think your balance got to over {$500.00} after the {$250.00} credit? on XX/XX/XXXX my balance shows at {$280.00}. XXXX  credit posts and my balance goes up to {$330.00} approx.. ( i had loaded {$280.00} onto my card right before going to get the rental. I said, " thats how my balance got over {$500.00}. Needless to say the cust svc agent has all the levers of control in from of her,

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 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 contacted Transunion on several occasions in reagrds to the accounts listed below. The most recent dispute was dated on XX/XX/XXXX. I received a response in regards to the disputed items from Transunion on XX/XX/XXXX. 

XXXX 6 years of late payments are being reported, after account was closed. In addition, this is a closed/charged off account but shows a past due amount of {$7700.00}. This is a FCRA violation. The results from Transunion are " Disputed information updated and other information updated ... '' Again, how can a closed account that was charged off report a balance of {$7700.00} is it was closed and charged off? Also, how can a closed and charged off account keep negatively reporting late payments to my report if this creditor does not own this account anymore? The account was closed and charged off! Please stop updating inaccurate information from this account and delete this account entirely! I have also not received any documentation from the creditor or the credit bureau in regards to this dispute! 

XXXX XXXX XXXX Account is closed/charged off but shows a monthly payment of {$620.00}. The results from Transunion are " Disputed information updated '' Now it is showing a charge off balance of {$850.00}? This account was also never verified with the 30 days from the creditor or Transunion. How was this account 's information " verified '' against my dispute if neither the creditor or credit bureau has provided me with any documentation? This account is inaccurate and needs to be removed, not continuously updating different and inaccurate information on my credit report! 

XXXX XXXX XXXX - Past due and late payments reported on a collection? Delete immediately! This account has been previously disputed. Failure to notate that this account on my credit report is under dispute after a creditor or debt collector has reported the dispute. This is an additional violation! 
The results from Transunion are account verified as accurate? How!

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 2018-02-27
Company: Experian Information Solutions Inc.
State: NV
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 noticed in the past that there were ( 2 ) small student loans ( dated Open : XX/XX/XXXX ) appearing on my credit files and immediately disputed them with each of the credit bureaus.I have not gotten any " validation '' from the bureaus concerning these loans which I never received or signed for at any time. 
XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Previous CFPB Dispute # 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