BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/23 I initiated a Bill Payment in the amount of {$570.00} through Wells Fargo to XXXX XXXX. 

Their bill pay system accepted my request and indicated that the payment would arrive at XXXX XXXX on XX/XX/23. 

XX/XX/23 was, co-incidentally, my payment due date. 

Unfortunately, after placing this request, for whatever their reasons, Wells Fargo, with no notice to me, changed the delivery date from XXXX to XXXX. 

This caused XXXX XXXX to assess a {$29.00} late fee and they will also be assessing finance charges to my account. 

I have never paid an account late and this may negatively effect my credit score. 

I did report this to Wells Fargo. Wells Fargo opened case # XXXX however Wells Fargo claimed it would take them 10 business days to " investigate '' the matter. 

If we wait that long, there will be no chance to avoid the imposition of finance charged by 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 2018-03-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage # XXXX held by XXXX XXXX was sold to Wells Fargo on or around XX/XX/XXXX. Wells Fargo has assigned # XXXX to this loan. 

I made my XX/XX/XXXX mortgage payment to XXXX XXXX on XX/XX/XXXX. Wells Fargo is demanding that my XX/XX/XXXX payment be sent to them. For some reason, XXXX XXXX and Wells Fargo can not communicate between themselves to straighten this out and I do not feel responsible for this problem. 

I had nothing to do with the sale of my mortgage to Wells Fargo. In fact I am not happy to be doing business in any form with Wells Fargo due to there record of unethical dealings. I do realize that I have no control over the transfer of this loan. 

My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mortgage payments have been accepted by Wells Fargo. The outstanding issue is the proper crediting of my XX/XX/XXXX mortgage payment.

Please help. I am an old angry widow and have no patience with this nonsense.

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my multiple attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged theft. 
XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/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 2023-05-07
Company: Bread Financial Holdings, Inc.
State: IL
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:
On XX/XX/XXXX XXXX XXXXExpress reported a credit payment as late and dropped my credit XXXX down to XXXX pts. This credit account has been opened since XXXX and has never been late due to this one time due to having no access to online payment system with the company 's website. This creditor has violated my rights... 

In accordance to the fair credit reporting act this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604a section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment under a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-17
Company: Northstar Location Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I purchased a XXXX XXXX to replace my car that was damaged in an accident. It was finance with XXXX XXXX XXXX. I had problems with the car - all four doors were covered in mold and mildew, the battery had to be replaced by me, dealer refused to replace it and wanted {$72.00} to send anyone someone to get it started for the second time in 10 days. I told the dealer and XXXX that I wouldn't pay until the car was fixed since it was supposedly guaranteed. Dealer refused to fix it, I refused to pay. Told them to take it back. They said that it would damage my credit - IT HAS - I am unable to buy another car. 
They took the car and sold it for {$16000.00}. They expect me to pay {$5500.00} for a car I no longer own and they they have recouped their money and possibly more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
-vehicle was towed -on date vehicle got towed registration expired so i could n't get it out only the lien holder who had title due to rules at tow yard -the lien holder who navy federal credit union -the tow company sold vehicle -navy federal is trying to not accept responsibility by saying i still must pay for the car -in addition they claim they never got a title which is a lie due to the fact the dmv has proof of electronic title -also navy federal stated that they never received mail from tow yard stating car was there which is a lie post office has proof of delivery -then are trying to give me a rake hike due saying the do n't have title -i am stuck with no car and having to pay for car plus cant get another car

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

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

Company 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 2019-01-29
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
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 received several alerts from my credit monitoring service of new inquiries on my credit report. These inquiries were all from funding loan services. I did not initiate these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I paid in full a credit card balance on Bank of America card. The same day they closed my account. I have had this account for 26 years and no delinquencies or late payments on this account for 26 years. 
Unfortunately the past few years have been difficult and my credit score is not the greatest but during all of that Bank of America chose not to close my account but rather rack up plenty of interest from me because it has taken time to be able to pay this account in full. So in other words, they could have closed my account and continued to ask for payment on a closed account due to their reasons but they instead chose to do a peer review on the exact same day I paid my balance. This action will result in 3 negative impacts on my credit score that i am working diligently to improve. They include : 1. I will no longer have the Excellent rating on the length of oldest accounts which was 26 years up until XX/XX/XXXX. 2. Closing the account after I paid the balance will eliminate the credit unused potential on my credit score. 3. the fact that it is now a closed account will contribute to a negative impact.

At the very least Bank of America could have lowered my credit limit and kept the account open. Instead they wait until you can not benefit them financially any longer and then close the account without warning or opportunity to dispute. I have spent the past hour on the phone with them and continued to be transferred to 4 different people who told me there was nothing they could or would do and that i need to accept this decision basically and that it was not reversible. I find it unethical that credit card companies can take action on a customer that causes their credit to be negatively impacted as a result of the customer taking action to improve their credit score and good standing with that credit card company. The representative further said, on a recorded call of course, that paying off the balance in full prompted the peer review and that had I not paid the balance off in full the account would not have flagged for a peer review. And naturally, had the balance not been paid in full the Bank of America would still be able to collect interest money from 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 2023-02-23
Company: EQUIFAX, INC.
State: MI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: AL
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:
Accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S, C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without instructions.

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 2020-07-28
Company: BARCLAYS BANK DELAWARE
State: SC
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:
I have been unable to redeem my credit card rewards earned through the Uber Rewards card. 

Barclays advised me that the problem was on the Uber end and they could not help me. 

Uber claims that they can't help me because I am not the primary account holder. I responded to this by proving that I am the account holder by sending evidence of my credit card statement. 

They are still refusing to honor the several XXXX XXXX  worth of rewards and have marked the issue as " closed '' and said that they will not be providing further help.

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: CORELOGIC INC
State: PA
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:
These credit inquires are unauthorized and need to be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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: Public record information inaccurate

Complaint:
Greetings, I contacted XXXX, XXXX and Experian in XXXX regarding a bankruptcy that was reporting on my credit report and they would not assist in removing information. These credit bureaus are reporting bankruptcy information on my credit report and have put in data furnisher as US Bankruptcy Court in XXXX Georgia XXXX which is false information. Here is a link sent to me from the court verifying that they do not furnish information to credit bureaus or credit monitoring services : XXXX XXXX XXXX The US court of XXXX Georgia has stated that they do not verify or validate any information to the credit bureaus. The 3 credit bureaus are falsely stating this information in my credit report and have yet to remove it.

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
in accordance with the fair XXXX  Fosporing act XXXX XXXX my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Account type Collection XXXX XXXX XXXX XXXX  Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card XXXX. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX XXXX XXXX Account XXXX XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There is information appearing on my consumer report that I did not provide written permission or instructions to be reported or furnished on my consumer report. I am requesting that the reporting of this information be blocked and deleted immediately. My request to block is not being made in error, and my request to block is not being made based on a material misrepresentation of fact by me relevant to the request to block the identified transactions. These identified transactions are not information related to any transaction by me, as the consumer. The reporting of this information is legally defined as identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
American Express cancelled my account without any communication in XX/XX/2020 because I was not able to use the card during the Covid 19. I have XXXX reward points which worth more than {$800.00} was deleted from the account at the same time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hey I was just logging into my XXXX XXXX on XX/XX/XXXX. It currently says my score is n/a when i last looked about 2 months ago I had a score over 700. The reason I was looking at my score was because they had mentioned some company called XXXX XXXX XXXX XXXX saying that I owe that them XXXX from XXXX. This is 100 % inaccurate information. Under the fair credit reporting act I would like to see my signature agreeing to this as any time I have ever used a rent a car there have been no problems and I've used hundreds of rent of cars over the past 4 years as am I am a XXXX XXXX  you can XXXX my name on XXXX XXXX XXXX is my XXXX XXXX. If someone can call me so that we can resolve this misunderstanding this would be great. I have been renting cars for years without any problems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
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:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened XX/XX/2022 Balance : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: EQUIFAX, INC.
State: NV
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 I was granted a discharge of my student loans due to a XXXX. At the time of my XXXX discharge I was current on all my loans, and have been in deferement. My Loans are with XXXX and XXXX XXXX XXXX XXXX as, well as XXXX. OnXX/XX/XXXX it was reported to all three credit Company 's XXXX EQUIFAX, & XXXX   that my loans were discharged closed with XXXX  balance. I got a letter from XXXX, & XXXX that they were sending over a request to update all my student loans with a XXXX balance. I got a email from XXXX in my XXXX  inbox account stating XXXX  also was going to request the late payments to be removed as, my loans were in admin forbearance during the 90 day late payment in XX/XX/XXXX. I have proof of bost I have submitted disputes after disputes with all three XXXXEQUIFAXXXXX  they refuse to remove the late payments, or close my student loans that have been discharged. These accounts were in good standing with no late payments. Also XXXXEquifax/XXXX   transefered to another lender there is only one lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: JPMORGAN CHASE & CO.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase bought our existing mortgage from XXXX. XXXX bought our loan from our original mortgage company. XXXX started to illegally charge us Private Mortgage INsurance ( PMI ), which our original loan never had. We were in the process of having XXXX stop illegally charging us PMI, when they sold our loan to Chase. I called and emailed Chase to have them look at our original loan and HUD-1, which does not list any PMI. We also noticed that original HUD-1 was never signed by us, and our original closing documents do not list any PMI. our HUD-1 and all our copies of our closing documents do not list any PMI, since we put down the amount the original load company requested in order not to have any PMI.

Company response to consumer: Closed with explanation