BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-25
Company: TRIAD FINANCIAL SERVICES, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019 XXXX XXXX 
I checked my property taxes online with the County. It is impounded and had not yet been paid, so I paid it, {$160.00}. 

I called Triad, the lender. I spoke to an escrow person who said that I would receive a refund. I did not. Several weeks went by. I called again. No answer. I left a message. No response. 
In XXXX, I received a NOTICE OF DELINQUENCY from Treasurer and Tax Collector of the County of XXXX XXXX. My impounded taxes had been paid late. I sent the penalty amount, {$26.00}, out immediately, and contacted Triad. Again, I called, left messages, and emailed. 

I finally received an email on XX/XX/XXXX. They blamed COVID for the short staffing and I was told to contact the County for the refund.

They have now been negligent twice inside of one year. I have asked that my impounds stop, as my credit is above excellent, but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Experian Information Solutions 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:
Experian Report Number : XXXX XXXX XXXX   XXXX DATE OPEN XX/XX/2017 My personal information was exposed in the XXXX  Data Breach in 2017 '' i've contacted Experian informing them of this matter after reviewing my credit file with them MYSELF my name is XXXX XXXX also went and file a police report and Demanded a investigation also i've file a FTC report myself about this identity theft problem that i've been battling with for years now!!! i also filed a consumer complaint with CFPB and recently Experian wrote me back saying that my CFPB complaint regarding my investigation does not appear to have been sent directly by me or to be authorized by me!! this makes no sense i called Experian myself in the past and also file disputes on they websites nothing was solve!!! and recently ive log into my Experian and try to re submit a dispute as told by them and i was locked out i called Experian XXXX number and i waited a 2 hours and still no one to speak to!! this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft! my next step if this problem continue ill be contacting a attorney because this is very time consuming and complicated i've did everything i can possibly do!! being that i dont have a history in credit or finance i will be contacting an attorney who specializes in predatory loans and breach victim compensation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I am requesting Chase refund the {$5300.00} VA Funding Fee for my previous mortgage dating back to XXXX. I have a 10 % XXXX Rating from the VA that allows me to be exempt from paying this fee, the loan number is XXXX I have emailed Chase twice in the secure message system XX/XX/XXXX and XX/XX/XXXX and both times the system stated I would hear a response, and neither time was there any follow up. I called on XXXX and spoke with a supervisor who requested I email my VA XXXX Percentage Letter to XXXX. 

I had emailed the address and received an error message so I am unable to provide the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
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:
XXXX medical collection are reporting under my equifax credit file, these irrelevancies i never had, these are collection that do not belong to me i have filed a police report and the FTC report, i will be attaching these documents, please find attached. 
i have also disputed these inaccuracies through equifax but they have not been able to help me as always never helpful. i have medical and medicare i never pay for any medical bills, therefore these are inaccurate and fraudulent, per HIPA and the FSCPA you are not permitted to report these inaccuracies on someones credit file, whether belonging to them or not. have these fraud and wrongful reporting removed or you will be hearing from my lawyers. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Experian Information Solutions 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:
The credit bureaus are NOT complying with their own policies in a timely manner! I have submitted a dispute by mail 30 days ago and have NOT receive a response or a dispute on these items listed on my reports. XXXX letter of dispute for acct # XXXX, XXXX, XXXX. Experian acct # XXXX, XXXX acct # XXXX. All have failed to comply in a timely manner.

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: 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: Was not notified of investigation status or results

Complaint:
The credit bureaus are NOT complying with their own policies in a timely manner! I have submitted a dispute by mail 30 days ago and have NOT receive a response or a dispute on these items listed on my reports. XXXX letter of dispute for acct # XXXX, XXXX, XXXX. XXXX  acct # XXXX, transunion acct # XXXX. All have failed to comply in a timely manner.

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 2019-06-10
Company: WELLS FARGO & COMPANY
State: IN
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 balance transfer

Complaint:
I applied for a Wells Fargo credit card online and intended to transfer {$20000.00} to the new card. I was not shown what my line of credit would be until after submitting the application and it ended up being {$2500.00} and I was not given an opportunity to refuse the card after that point ( unlike other applications I had completed online ). 

I called Wells Fargo to cancel my application and was told I could not. That I needed to wait until the card came and then call the number on the back to cancel it. 

When the card came, I tried to cancel it but Wells Fargo had already transferred {$1900.00} from my other account. An account which I did not provide details about ( account number, etc. ) other than bank name and an amount that I did not authorize. 

I called Wells Fargo to get the money returned and they stated I had to work with my other card to get the funds transferred back and it could take up to 90 days but that in the meantime, i was responsible for making payments on the Wells Fargo card.

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 2017-09-18
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX to Wells Fargo in XXXX of XXXX. Wells had my loan for approximately 10-years. They recently forwarded my loan to XXXX XXXX XXXX ( XXXX ) with a balance of {$230000.00}. 

There seems to be some discrepancy with the payments made to Wells Fargo. The balance forwarded to XXXX does n't seem to have deducted the amount of money that 's been paid to Wells over the 10-year time frame. 

So, I need an account of ALL payments made to Wells Fargo from the time they received the loan from XXXX XXXX of XXXX to when they transferred my loan to XXXX in XXXX of 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 2017-08-11
Company: Experian Information Solutions Inc.
State: IL
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:
I have filed disputes with all 3 Credit reporting agencies XXXX, XXXX and Experian in regards to a public record bankruptcy ref XXXX. All 3 bureaus keep stating that the bankruptcy was verified and is reporting accurately. I have compared all 3 credit reports and all 3 bureaus are reporting different " filed '' dates. XXXX shows a file date of XXXX/XXXX/2010, XXXX shows a file date of XXXX/XXXX/2010, and Experian shows a file date of XXXX/XXXX/10. How can they say that they verified the bankruptcy as accurate but yet all of them are reflecting different file dates. Per the FCRA all information contained on a consumer 's credit report must be true and accurate and all 3 agencies have violated my rights under the FCRA by stating that they verified this bankruptcy as accurate when in fact it is not.

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 2020-10-22
Company: Santander Consumer USA Holdings 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:
Santander is reporting an erroneous debt on my credit file that I do not owe. This debt is really old. Not only is it past the statute of limitations but it is also past the credit reporting limit per FCRA guidelines. I do not owe this debt and it needs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: EQUIFAX, INC.
State: IL
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:
The credit bureau 's are reporting inaccurate information on my credit report. Im uploading a copy of my dispute letter to show you the inaccurate accounts on my report. This is illegal and effecting me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After many years of avoiding this debt collector, I gave in and called Portfolio Recovery Associates LLC with the intention of attempting to settle my debt THAT day ( XXXX/XXXX/2017 ). My original debt was through XXXX for a total of {$420.00}, and after speaking with several different representatives, we agreed on a settlement {$270.00}, which was paid for during the time of the call. I asked three times, for the sole purpose of confirmation, if this was actually going to close the account and I was told each time that it would. I finished off the call with a manager who gave me a Plan ID, but also told me that if I didnt want the number, Id never need it anyway, which was suspicious. I was also told that Id receive a letter stating that the debt was paid and full within a 10 days. I didnt.
The call struck me as being odd because for their recording purposes, they kept making me repeat the same answers that I very clearly already stated. In hindsight, Im now pretty positive that the recording was being manipulated.
Now I am alerted that they did not close my account and that I still owe {$150.00}. I went to Portfolio Recoverys website so I could confirm this alert and when I looked at my account, it, too, stated that I still owed XXXX.
I know they will continue to lie to me and manipulate any statement I make because thats what debt collectors do, so I refuse to trust them again and I will not attempt to handle this matter on my own again.
Its sad to know that I was better off just ignoring them. So much for trying to be responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Investigation took more than 30 days Was not notified of investigation status or results Their investigation did not fix an error on your report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: The CMI Group, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This XXXX XXXX debt was never mine as I have NEVER lived in XXXX over the age of XXXX, never applied for credit, nor service from that company. Additionally, I made this known as suspected identity theft and the item was REMOVED from my credit report. However, it has been re-added saying that it is an open account as of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
consent to.I am a victim of identity theft and I believe my information is being used by very bad people on the dark web aka internet hackers. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my kids. I ask that you please remove all these false misleading inquiries from my credit report immediately so I can began to repair my creedit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. My information was obtained without permissible purpose. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1XXXX, XXXX XX/XX/2019 2.DEPT OF ED- XX/XX/2019 3.XXXX- XX/XX/2019 4.XXXX XXXX XXXX- XX/XX/2019 5.XXXX-03/21/2019 6XXXX XX/XX/2019 I XXXX XXXX created this CFPB complaint all by myself because I was sick and tired of my rights being violated by the credit bureaus. please resolve asap. Also my rights were violated by employees at XXXX XXXX when I called to dispute these items. XXXX  Employees XXXX XXXX and XXXX XXXX openly admitted to me that they knew they were violating my consumer rights 15 USC 1681B ( a ) ( 2 ) and 15 USC 1681N ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
We want to payoff and close our line of credit to Santander Bank. We went to the branch that we opened the account and did the request conf # XXXX on XX/XX/20 at XXXX XXXX They said that we will receive a confirmation letter on the mail. We called again on XX/XX/20 because the payoff that was provided and we paid ( XXXX ) on XX/XX/20 was XXXX more on XX/XX/20 and the answer was that they can not see the account and they did not know what was going on ( XXXX XXXX ), I decided to pay that extra amount in santander online banking. When I checked the account today it shows that we still owe XXXX, We called again and was the same answer, they can not see the account and is nothing that they can do ( XXXX XXXX ). Money was in our checking account to payoff but they said that we still need to do the request ( did it 3 times ), we did the request but did not receive any answer so we decided to do the payment online but that did not stop the bank to post more interest on the account and/or provide a clear explanation of what is going on. I have more details about this situation, if you need 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 2022-11-16
Company: EQUIFAX, INC.
State: CA
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:
XXXX case # XXXX and XXXX Attorney General of Texas. Under 15 US code 1681 ( A ) and 15US code 1681 ( I ) ( 5 ) this account is vialation not reporting 100 % accurate is list the child support court as the funnisher thats forgeny and misleading when the court dont report this type os account. under 15US code 1681 ( B ) permissible puposes of consumer reports. I never gave you any written consent to report anything on my consumer report no consent is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Experian Information Solutions Inc.
State: AL
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 tried to correct the issue with Experian I have submitted police reports and the account credit acceptance was deleted and 3 months later it was placed back on my 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 2020-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates, LLC has reported a collection on my credit profiled that has not been verified with sufficient information. I've requested a copy of the signed contract showing that I was informed of my right to dispute the initial filing and the signed contract showing that I authorized and agreed to conduct business with them to begin with. They failed to provide me with any documentation showing an agreement of our business or a copy of my photo ID or social security number. In addition to this, I have requested that they provide me proof that they're licensed to conduct business with me in my home state of Florida. They've been notified on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 None of these requests were met with sufficient verification, yet Portfolio Recovery Associates, LLC has refused to remove this collection filing from my report. Instead they have repeatedly harassed me by calling from an abundance of phone numbers, many calls happened late in the evening at XXXX. I have received calls from the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: T.S. Holdings
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called the company after reaching out to the XXXX XXXX I spoke with XXXX one of the managers there and she told me that I had a balance of XXXX and that I should not have to pay a collections agency and that as long as I send it to them that amount would be removed. I called them and spoke with XXXX sent over the information that was sent to me and he became defensive when I told him that XXXX told me that they would need to reach out to XXXX XXXX. When I finally got to XXXX I was crying and in hysterics and he began to attack me. He verbally abused me over the phone and when I try to get his first and last name he smugly told me bothHis first and last name and begin to verbally abuse me again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation