BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-06
Company: Wharthog Ventures LLC dba Loans Not Sharks
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took out a personal loan in the amount of {$300.00} in XX/XX/2017. I agreed to repay the loan {$130.00} per month for ( 3 ) months. The loan company was able to get the first payment, after which I was having difficulty with the credit union. ( The institution was honoring different companies requesting funds not entitled to the by what they called virtual signatures ), which caused me to become overdrawn. I advised them of the problem and the account was closed until this could be remedied. I agreed to pay the remaining balance of approximately {$260.00} in full once I received my tax refund or within 30-45 days. I had spoken to them a couple of times keeping them informed of the my most current status. In the meantime I get a letter in the mail requesting the entire amount was due payable. I had agreed to repay, but now they're asking for more than twice the amount agreed upon. ( {$660.00} ). I have tried to reason with this company to no avail. I already have problems with XXXX, I don't need any more negative reports. I just want to pay my correct balance and be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-12-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/20 a Total of {$15000.00} dollars was wired transferred to XXXX and the amount I was given in writing to be received was {$300000.00} pesos with an exchange rate of XXXX. However, the amount received ended up being {$290000.00} pesos. The following day I went to Wells Fargo and to resolve the issue they took an additional {$560.00} from my account and wired transferred the additional {$560.00} dollars which was {$11000.00} to offset the difference while they investigated the issue. On XX/XX/20, Wells Fargo credited {$280.00} dollars as a courtesy into my account stating that because I requested the wire to go out in dollars they wired the money in dollars and that the note that was given to me with the {$300000.00} pesos would have been the amount received if I had requested the amount to go in pesos. This response does not make sense, please help as this seems that they are deliberately misguiding and defrauding their clients.

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 2022-10-22
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Requested a refund for {$1900.00} on XX/XX/22. They took my email and said they would process the request, and gave me no additional information. I called them back again on XX/XX/22 to request an update and they said it still was waiting to be processed. They refused to give me a timeline of when I could expect to have the money back, and said that they couldnt send any email updates or documentation. I am trying to plan this refund for my student loan forgiveness and its impossible to do so when they wont to give the refund or even a timeline, and it is weird that they wont even give proof of the refund request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: JPMORGAN CHASE & CO.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I transferred funds via Chase New York to XXXX XXXX XXXX  ( XXXX ) Branch in XXXX, XXXX, XXXX via XXXX XXXX, XXXX. 
The amount intended to be transferred from my US Dollar account with Chase, New York was : INR   XXXX. However, it appeared that through Chases Wire Transfer operational error, the amounts transferred were : Two transactions of approximately INR 100,000 each totaling INR  XXXX The dollar amounts deducted from my account were : 1. XXXX USD sent on XX/XX/XXXX XXXX XXXX and 2. XXXX USD sent on XX/XX/XXXX XXXX XXXX The transfer of funds was initiated by me on behalf of my friend. 
Through secured messages I brought the underlying problem to Chases attention and also asked that my account be credited in the amount of {$1400.00} as the second transfer request was not initiated by me. Chase opened an investigation and, after some persuasion, asked its technical team to determine the cause of the problem. On XX/XX/XXXX, I received the following secure message : Please be advised that our technology team determined 2 wires were sent out due to an internal issue. You will also receive a letter in the mail regarding the investigation in this case. 

After receiving a confirmation from Chases technology team I felt comforted that the bank followed up on my concern. I assumed that the follow up letter would expand on the issue and elaborate on the steps taken to remedy it. I was disappointment with the letter received from XXXX XXXX XXXX dated XX/XX/XXXX, as it did not continue where the Technical team left off. The letter did not address the underlying issue as to why two wires were sent and, as a result, my account was debited twice in less than a minute. Instead, the letter focused on the delay in beneficiary receiving payment from XXXX. Based on the response it appears that the investigator either did not provide an honest answer or did not understand the problem that he was supposed to investigate. At the end of the letter the investigator wrote We now consider this inquiry resolved. Note that the letter did not address the request to credit {$1400.00} to my account presumably because I had informed Chase that, at my request, the beneficiary transferred INR XXXX to my mothers account in XXXX. This was my back up plan that I used since I had sensed that Chase was either unable to or unwilling to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
In XX/XX/XXXX, I purchased a vehicle through Ally Financial, this was a Saturday. The following week, I contacted my credit union, XXXX XXXX XXXX XXXX, and refinanced the auto loan. I refinanced this loan well before the first payment was due. I have had several accounts and loans with this credit union and I have never had any issues and continue to use them for almost all of my loans today. Sometime that XX/XX/XXXX or that XX/XX/XXXX I was made aware that, somehow, the original check sent to Ally was a little short. I contacted XXXX and they promptly took care of the issue. Upon pulling my credit report, I realized that somehow Ally had shown delinquent payments of 30 and 60 days in XX/XX/XXXX and XX/XX/XXXX, well after the refinance was completed. I have contacted Ally and disputed multiple times but was told XXXX never contacted them for the full payoff amount. I have even asked how would my credit union have come up with the payoff amount without contacting Ally but they just say they have no record, XXXX just magically came up with a random payoff and sent them a check, I guess. I have attached several documents to support all of this and I now see that my credit report shows Ally to report the loan was paid in full XX/XX/XXXX but yet I still show late payments for XX/XX/XXXX and XX/XX/XXXX of the same year. I have explained on multiple occasions that this must have been an accounting error or something and XXXX has even sent a letter to Ally explaining the mistake and accepting full blame but Ally refuses to remove the two negative marks from my credit report. Please see attached 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 explanation
Consumer complaint received 2023-01-17
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hello! 

I have been a customer of nordstrom for over 10 years and typically I am given notification when a bill has not been paid. I was never given notice until 2 months. My automatic payment for some reason was effected. I paid right away when notified but I also had sent money previously and unsure why a late is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
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:
THESE COMPANIES KEEP LETTING PEOPLE PULL MY CREDIT, XXXX INQUIRIES? WHO DOES THAT? IVE CALLED THEM TIME AND TIME AGAIN THEY WONT REMOVE THEM XXXX These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  XXXX Inquiry date XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX  XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Your XXXX  credit file is unlock

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 2019-07-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I split my mortgage payment into two payments for my XX/XX/2019 mortgage payment and it was not put in the right place. I have called 6 times now starting XX/XX/XXXX when I received a letter that stated I did not make my XXXX payment and now have late fees. The late fees were waived but it wasnt resolved and hit mine and my fiancs credit with a -54 points due to a delinquent account/past 30 days. I was told the gentleman would be coached because of his error and Im left waiting for our credit to be fixed and am told itll take a month. I was originally told 3-5 business days. I wasnt even late let alone delinquent. I am very angry about this and it just seems like they dont care one bit. I disputed it with the credit places too. I want to file a complaint since we are left waiting to do anything with a credit hit that bad I cant get anything at a fair price or on credit.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2023-07-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: Experian Information Solutions Inc.
State: OH
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 sent out multiple letters to XXXX XXXX XXXX, XXXX  & Experian since XX/XX/2021. I also gotten a letter about XXXX XXXX XXXX reporting my account as current, no late payments, with all 3 bureaus. My account is still showing late payments for both Experian and XXXX. The only updated account is 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 2023-10-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED 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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying for almost XXXX months to obtain my credit report from Transunion however, their systems have been down. This is affecting my ability to maintain my finances as I don't know what information is on my report but I am receiving denials from companies about my credit report. Currently they are violating my consumer rights.

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 2022-07-15
Company: Experian Information Solutions 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 called your department after I purchased a credit report with Experian on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Experian to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts listed below, so please help me remove these charge offs, including this incorrect information from my personal profile. A copy of my XXXX XXXX, drivers License, and my SS Number are all included in this written request. Please help me resolve this issue as soon as possible. 

Incorrect names and addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, Fraudulent accounts : XXXX XXXX XXXXXXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date Open XXXX XXXX, XXXX XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}.

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 non-monetary relief
Consumer complaint received 2018-02-15
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
I have a letter from XXXX that a fraudulent account that was opened in my name was investigated and was completed with the results being they determined that the account must be deleted which is right .... the account was never opened by me ... I sent all documentation proving that and they completed it and ruled in my favor .... I sent the supporting documentation to XXXX for them to delete the account and instead they removed like {$270.00} and updated the account ... the account was not supposed to be updated it was supposed to be deleted ... and Im hereby asking them to comply, if XXXX went back on this letter thats their issue not mines it must be deleted thats the resolution we came to ....

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