BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX : I mailed in six {$500.00} money orders ( total {$3000.00} ) to Rushmore Loan Services as additional principal payment. 

XX/XX/XXXX : Rushmore received my additional principal payment of {$3000.00}. 

XX/XX/XXXX : Rushmore claimed a portion ( {$500.00} ) of my funds was rejected but refused to return my money order. 

XX/XX/XXXX : After complaining to XXXX, Rushmore found the missing funds and apologized for mishandling my funds and credited my account with that {$500.00}. 

XX/XX/XXXX : XXXX case closed. 

XX/XX/XXXX : Rushmore then immediately removed {$500.00} from my account. 

XX/XX/XXXX : Called Rushmore and left message to customer services supervisor who I worked with all this time, but never return my call. 

XX/XX/XXXX : Called Rushmore and this time I spoke to a different manager and he seems knowing the problem and told me to call me back with two hrs. 

XX/XX/XXXX : No call back as of this date .... and my problem is never resolved ... and I'm tire of dealing with them, and need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX inquiry-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ... ..XXXX XXXX Inquiry-XX/XX/XXXX, XX/XX/XXXX ... .XXXX XXXX XXXX XXXX inquiry-XX/XX/XXXX , XX/XX/XXXX ... .XXXX XXXX inquiry-XX/XX/XXXX.. contact these creditors and some stated they couldnt find no application from me and the others stated the on application on there file with my info is from XX/XX/XXXX or XX/XX/XXXX nothing with years of XX/XX/XXXX/XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
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: Account status incorrect

Complaint:
I had a credit account with XXXX. I returned all of my merchandise but was never received credit for the items I returned. This account has been listed as charged off and pass due on my credit profile since XX/XX/XXXX. I have the original receipt of the merchandise being picked up and returned XXXX. However XXXX has reported my account as never paid and charged off in bad standing. I have reached out to XXXX many times for them to please correct this error but they continue to dispute my dispute with the credit bureaus. This account has been financially crippling because of the negative impact on my credit for so many years. I returned all items as to relieve any balance with my credit account however XXXX has never reported the corrected or true balance to credit profile. And as recently as XX/XX/XXXX again denied my request to fix this untrue negative account on my credit profile. Please see attached is my original receipt for pick up and it included the serial numbers for the merchandise.

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 2020-11-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/24 a transaction hit our business account for {$7200.00} from XXXX XXXX XXXX XXXX. We called the bank ( Wells Fargo ) within 30 minutes to claim fraud. They said it could take up to 10 days to investigate, but did not credit us in the meantime leaving us stranded out of state with no way to get home and had to sleep in the car with my XXXX  and dog. The card was shut off in XXXX, but without knowing the card was used 2 days prior to being shut off at a XXXX for a rental car and XXXX  put a hold on the card. The card has my name on it, but XXXX  did not contact me nor get my authority to run my card. I did not rent the vehicle nor was I in XXXX where the car was rented. XXXX got the name and social security of the guy who used my card, but ran my debit card. XXXX had to hire a private investigator to find the car because the guy did not return it. We filed a police report because the guy used our card and basically stole the vehicle. XXXX tried to charge another $ XXXX but the bank caught it and declined it as fraud, but still holds us responsible for the first transaction that we did not make for the {$7200.00}. Wells Fargo also decided to charge us overdraft fees for transactions for purchases we made 1-3 days prior to the bank being overdrawn by the XXXX transaction because they wanted to take all the money they could for the big transaction. I don't know how they can charge you overdraft fees for purchases you clearly made when you had money in your account. We went in person to Wells Fargo again to try to get them to fix this fraudulent issue, but again said it would take up to 10 days and they will investigate. They have done nothing and now it's been almost a month since we have been dealing with this issue with zero hopes that it will be fixed. I should not be held responsible for a transaction I did not make and budget did not have the authority to use my card with my name on it without my permission or even getting a copy of my driver license to make sure it was a legitimate purchase.

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 2017-08-08
Company: Westlake Services, LLC
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: Account information incorrect

Complaint:
I paid Westlake Financial a settlement on XXXX/XXXX/2017 of {$500.00} the have not reported this to all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 receive a copy of my credit report after both my XXXX  and I received a call from a bill collector that we were not affiliated with. Upon further research we both seen that there was a lot of accounts and other personal info on our reports that neither XXXX of us authorized or belong to us. I filed a police report, an identity theft report, and disputed with all three major bureaus. They still have not been removed and its been months.

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 2019-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019, i made a payment to my credit card at a Bank of America ATM. This payment was made with a money order from XXXX. I received a letter from BOA dated XX/XX/2019 stating that payment was debited from account because the required encoding information is missing or invalid. 

I have no idea what they are talking about. I have made payment using money order almost every month without any issue. Regardless, the money order or the check in question should have been returned to me. It never was. Since then i have tried calling more than a dozen times. After a million prompts and get to listen to the music forever and no live person picks up the phone. I spent at least 30 to 40 minutes every time doing this exercise. 

I have finally given up and and am contacting CFPB. I would like the payment of {$470.00} be credited to my account or the payment instrument be returned to 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 2020-11-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have an account with Chase. On XX/XX/2020 they marked a transaction done with XXXX XXXX as fraud, restricted my account and froze my funds. On XX/XX/2020, they removed the funds in question but I still didnt have access to my remaining balance. They said they would send me a check in the mail but never did. 

It has been over 3 months now and they still havent released my funds. They have avoided all my inquiries thru the phone and at the branch. They have even hung up the phone on me as they did today at XXXX XXXX CT. I am a patient and comprehensive person but this is just too much, specially during these hard times. 

I would appreciate if you could help me get my funds back as I had all my money with them and have fallen behind on paying my bills on time as I was accustomed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX  reported that date of last payment is XX/XX/2018 but XXXX  and XXXX  reported that is was XX/XX/2018 also XXXX  XXXX  and XXXX  all reported different last active dates. If this information is correct all information should be the same. I request that this should be deleted off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: DISCOVER BANK
State: FL
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:
I had an account in 2018 that was paid in full Never late and Discover did a fantastic job of helping to clear up an internal error that was giving me credit card decline. 

They finally approved me for a credit card with a XXXX limit after contacting both you and Discover. 

Recently I have applied for a loan wanting to consolidate maybe XXXX or so that I have an outstanding debt due to Covid and Discover gave me yet again that old reason for declaration prior or existing accounts etc. Letter enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called and mailed letters to get this account verified. I have in XX/XX/2019 I sent them a letter to send me documentation that proofs this account does belong to me and they don't respond. The last letter was on XX/XX/2019 hopefully they respond this will be the 5th letter. I have also called and they give me the round around and they hang up.

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 2018-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
THURSDAY XX/XX/XXXX I went to my bank to deposit {$2400.00} in cash into the drive through ATM. I got a receipt and noticed that it said I have {$0.00} on my account. The Branch closed the minute I walked up to fix it. I called Bank of America to get my money and they said my account was closed that day as of XXXX ( which i didnt get notified of ) and to call recovery department on that friday because they can refund my money but there department was already closed for the night. The following day I called and they said they will put it in to where I will get it by Monday XX/XX/XXXX at the latest and my account closed the day before I deposited the money. I told them I needed the money for my sons school and for my house deposit. I talked to over 10 representives over the last few days and keep getting different stories and i've still no money. A few representivies said I need to call my lawyer because i'm suppose to get my money in cash. I went to that bank and they said they cant give me my money. I have different names and departments written down and been transferred to different people and been told it will be up to 90 days for me to receive my money.

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 2020-11-19
Company: Experian Information Solutions Inc.
State: OR
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 sent a letter to XXXX, Experian and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have requested and reached out to your company on several occasions about accounts reporting on my credit file. These accounts are not accurate and or not my accounts 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 explanation
Consumer complaint received 2017-08-08
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wellsfargo services my home mortgage ( Loan # : XXXX ) from XX/XX/XXXX - XX/XX/XXXX. The first issue is that I was informed by the loan officer that I only qualified for a 20 year mortgage prior to closing after all of documents indicated a 30 year mortgage. The loan officer informed that I should pay on the 20 year mortgage for 6 months and refinance to a 30 year mortgage. I completed the process to refinance into a 30 year FHA mortgage in XX/XX/XXXX and the original FHA loan was XX/XX/XXXX. My second issue is that Wellsfargo requested {$3100.00} from HUD in XX/XX/XXXX by informing HUD that I was behind on my mortgage. I was not late or behind on the mortgage in XX/XX/XXXX. I actually refinanced the mortgage in XX/XX/XXXX from Wellsfargo to XXXX. I would not have been able to refinance the mortgage in XX/XX/XXXX if I was late/behind on the mortgage in XX/XX/XXXXas indicated by Wellsfargo to HUD. I was not aware of the {$3100.00} mortgage taken out on my home untiXX/XX/XXXX by the title company that is handling the sell of my home. I did not sign documents for the {$3100.00} mortgage. Finally, I am in the process of working with Novad Consulting due to Wellsfargo negligence of not filing the cancellation with the Clerk of Court office. I had to pay for the shipping for XXXX to XXXX me the cancellation due to immediate closing date on my home and I must pay the filing fee at the Clerk of Court to file the cancellation of {$3100.00} that was erroneously take out on my home in an effort to clear the title for sale of the home. I have attached the mortgage that was filed with the clerk of court in XXXX XXXX XXXX. Wellsfargo attempted to file the cancellation, but the mortgage was sent back by XXXX XXXX XXXX  Clerk of Court due to a president not signing the mortgage and Wellsfargo did n't send the corrected cancellation back.

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 2017-08-08
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX XXXX military. I requested help from Loan care to let me pay the interest for this VA loan while the house was on sale and they refused. I requested a deed in lieu and they are dragging their feet hoping the house goes on foreclosure. They have transfer my packet to 3 different representatives, they refuse to let me talk to a Supervisor and they keep asking for different paperwork instead of asking for those at the beginning. They are refusing to work with me and costumer service is one of the worst I ever seen.

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 2023-09-13
Company: LEXISNEXIS
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A Lexisnexis report has prevented my to get affordable homeowners insurance. I purchased my home XX/XX/2021. There a XXXX insurance claims for my home from the previous owners. I should not be punished with higher insurance premiums or denial of insurance because of claims made by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion decreased my credit score by 23 points without any explanation or any negative change that happened in my record. I called them several times and no one is able to explain why my score went down. I have checked the other two credit bureaus, XXXX and XXXX and they both report accurately and have similar score for my credit. I have tried to make claims on there website but, there isn't any appropriate option to chose from for this kind of situation. Please help. I work so hard to keep my score high and stay on top of my credit history, it is frustrating to have scores taking away from you and have no explanation for it. It is likely that their system has an issue since, they are the only one reporting differently among the other two bureaus, however, they are not willing to fix the situation either.

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 2019-08-16
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing this unverified account with the collection and Credence resource has not sent me any proof. On XX/XX/2019 I mailed out a letter requesting proof the and had no response. I called credence resource on XX/XX/2019 and the lady that answer would not answer my questions. This debt is not mine and they just don't want to corporate, its an error on there behalf. They have me confused with someone else and it is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.

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