BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Our Wells Fargo card was used fraudulently on XX/XX/22 at a vendor called XXXX XXXX for XXXX purchases totaling {$7900.00}. My complaint ( besides not yet being reimbursed for the fraud ) is that Wells Fargo has told us they've " looked into it '' and done " research '' when they haven't. I've been told multiple times by both the vendor and police that they have not been contacted by Wells Fargo. 

Here is a timeline of events documenting our experience : XX/XX/22, XXXX - Purchased gas at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XX/XX/22 XXXX XXXX - Received notification from XXXX of a suspicious purchase at XXXX XXXX for {$7900.00}. Reported as fraud and transaction stopped. 

XX/XX/22 at XXXX - Received notification from Wells Fargo of a suspicious purchase at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for {$4000.00}. Reported as fraud and transaction stopped. 

XX/XX/22 at XXXX - XXXX XXXX transactions approved earlier by Wells Fargo XXXX XXXX XXXX XXXX, XXXX {$3700.00} and XXXX {$4200.00} totalling {$7900.00}. Immediately reported as fraud. Claim was denied by bank because Wells Fargo thinks the chip was used during these transactions. 

XX/XX/22 at XXXX - Police report submitted at XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. XXXX XXXX. XXXX. 

XX/XX/22 at XXXX - Called XXXX XXXX to ask about the incident and to request any evidence they had of the transaction. Spoke to XXXX XXXX at XXXX and was told to call back the next day after they get information from their accounting department. Informed that video footage is overwritten every 30 days so they no longer have that. 

XX/XX/22 at XXXX - Called XXXX XXXX back. Was told that Wells Fargo needed to contact them directly for the receipt information. 

XX/XX/22 at XXXX - XXXX Wells Fargo and spoke to case XXXX XXXX XXXX XXXX ext. XXXX and fraud department to have case reopened. Informed them they needed to contact XXXX XXXX directly for information. 

XX/XX/22 at XXXX - XXXX Wells Fargo Customer Service to ask when the transactions occurred, they do not have that information. 

XX/XX/22 at XXXX - Called XXXX at XXXX XXXX  to follow up/make sure Wells Fargo and Police have contacted them - no one has contacted them.

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 2022-08-30
Company: EQUIFAX, 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:
XXXX, XXXX, Equifax XXXX XXXX adjusters refuses to verify nor validate their alleged account They do not have any contracts from original creditor with my signature and no contract with them with my signature they have NOTHING this last letter they sent through the CFPB dated XX/XX/2022 XXXX shows they want me to lie and say it was fraud I will not comply with their wishes { temporary fraud status } places NO .I have request through the CFPB 3 times on this alleged account and can not get any valid information enclosed is their letters, copy of bills no contracts no signatures. the way I see it they have no proof of anything. I have the right to request to them in writing what I want under the U.S.C. codes listed in my letter and complaints THEY REFUSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
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:
XXXX XXXX XXXX AKA XXXX XXXX XXXX FOR A YEAR NOW HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I ASKED FOR LICENSE NUMBER STATE RIGHTS FOR CLAIMING IN MY STATE. I ALSO WANTED VALIDATION OF THE DEBT REPORTING IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANYTHING FROM COMPANY. THIS SAME DEBT CONTINUES TO BE REMOVED AND ADDED BACK OR REPORTING AGENCIES NAME CHANGE

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 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
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 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted 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 non-monetary relief
Consumer complaint received 2019-11-27
Company: AMERICAN HONDA FINANCE CORP
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Ever since Friday l have been trying to tell Honda financial  to please allow me to pay the past due balance in order to have my vehicle back and continue with payments but the refuse to make any kind of deal with me l spoke with the only representative name lore and she hung up the phone 3 times at me all they want me to do is to pay off the full amount remaining in my account but they wont explain me why do l have to pay all that amount if my interest rate is for 0.90 percent annually for that amount off XXXX what it means that the correct amount is XXXX annually of interest rates my car was reposed because l miss two payments l was trying to explain why l missed those payments but they dont want to help me and l was trying to tell them that according to the contract l have the right to pay the past due balance and the fees and get my car back but they refuse to do that l also spoke with the supervisor name XXXX and he also was very ruled and he refused to help me at any way possible this is my second car with XXXX and l never had any problems before until right now with this Honda financials and is not right that l have to lost my car just because they dont want to do what they have to do and that is to allow me to make the payment off past due balance and get back on payments is been so many days and is going to be very Spence to get my car out from repo place all because they refuse to fallow the contract and keep my rights l really hope that l finally get some help true this complaint because l really need to get some one to hear me at ones

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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/2022 Credit Bureaus reported they did a proper investigation to my XXXX  XXXX account. As you clearly see its missing the months of XXXX. 
If XXXX  XXXX was reporting where are the documents. 
This is hurting my credit/FICO score.

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 2018-12-19
Company: DIRECMANAGEMENT, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
The company direct management called my place of employment last week and I was not at work. Then they called again today XX/XX/2018 and I told not to call me at work. The women insisted that they need to collect payment. I again stated i was on the job. Finally I got her to get off the business phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
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:
I have been working with XXXX XXXX company regarding late payments removal, which has been unsuccessful ; I was unemployed and was approved for an unemployment forbearance repayment plan that was effective for 4 months XX/XX/XXXX- XX/XX/XXXX I was making onetime payments per arrangement ; during this period I made multiple payments that were not applied to loan they would only credit $ XXXX/ month ; in XX/XX/XXXX I was approved for funding via Illinois Hardest Hit they made reinstatement payment of XXXX on XX/XX/XXXX which was suppose to post on account by XX/XX/XXXX (  which it has not ) and will begin making monthly payment on my behalf XX/XX/XXXX ; my issue with XXXX XXXX is that in XX/XX/XXXX-XX/XX/XXXX they were reporting on-time on payment noting for agreed amount in the beginning of XX/XX/XXXX they update reporting to 160+ days past due which is incorrect. They are also reporting the wrong balance ; the correct balance of mortgage loan is {$140000.00} not XXXX. Payments were made on-time per arrangement XX/XX/XXXX-XX/XX/XXXX. I have disputed late payments via all three credit agencies, have sent emails, and written request to update payment history and balance which to this date has not happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: COMMERCE BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I put a deposit down on a new engine. After a little research, I realized that this was a fraudulent company. I called and canceled within an hour or two. I contacted my bank and let them know I did not want to buy anything from them, XXXX XXXX. My bank hung up on me. They paid XXXX XXXX  the {$1600.00} against my wishes on XX/XX/XXXX. I sent a letter to my bank, per the request. They, a few months later, gave me a refund. In XX/XX/XXXX, they took the money again. I had to send them another letter and they are saying they're findings are not in my favor. I never received my money back or any product they charged me {$1600.00} for. My bank is stealing from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I enrolled in a XXXX XXXX Checking account promotion for {$400.00} on XX/XX/2019. The promotion indicated that to qualify I would need to do direct deposit of a total of {$2000.00} or more within 90 days and then the bonus would be applied 30 days later. It is XX/XX/2019 and I have not yet received the bonus.

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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 following items mentioned below were totally incorrect or has inaccurateinformationbeing stated. 
XXXX XXXX XXXX Balance : {$140.00} Please reinvestigate this account, I was never late on this specific account. You have notified me about the late, if theres any, but since I have not received any notification letter, email or any kinds of contacts from this company, this certain remarks should be corrected immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} I am not aware of this account, I am not sure why it is reporting under my name and report. You should have done your investigation thoroughly and submitted any proof of validation to my address to validate that this account is in fact mine. However, you have failed to provide any proofs. Thus, this account should be removed in accordance to the FCRAs requirements. 

XXXX XXXX XXXX Balance : {$0.00} Why is this account still in my report? This account has been closed with no balance owed. Please justify the deletion request for this account. Also, provide any documentation to validate that your investigation and remarks are correct. Nonetheless, delete this account immediately. 

XXXX Date of inquiry XX/XX/XXXX I never had signed into this inquiry so deleting this inquiry will be highly appreciated if no proof is presented. 

XXXX XXXX  Date of inquiry XX/XX/XXXX Eliminate this inquiry, because I think the date might be wrong. Look into this information or I suggest you remove it from my credit file. 

XXXX Date of inquiry XX/XX/XXXX Revise the date shown and the creditor name presented as I believe this may be an error. Verify or delete this promptly from my report. 

XXXX XXXX XXXX Date of inquiry XX/XX/XXXX I suggest you take a look at the date this inquiry is showing. I don't quite remember this day. Please revise it or delete it. 


XXXX XXXX Date of inquiry XX/XX/XXXX Would you please take the time to verify this inquiry and make sure this is 100 % correct in reporting otherwise please extract this from my file. 

XXXX XXXX  Date of inquiry XX/XX/XXXX I am not sure I requested anything during the date shown. Now verify this data and soon have it fixed or deleted from my report. 
XXXX XXXX Date of inquiry XX/XX/XXXX I think this was not intentionally done. Please verify this inquiry along with the date shown or delete this off my credit report. 

XXXX Date of inquiry XX/XX/XXXX Establish a verification of the data presented. I believe it is incorrect so please verify and remove it from my credit report if unable to verify.

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 2021-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
- I received a promotional offer for opening an account in late XX/XX/2020. 

- The promotional offer included a bonus cash deposit if TWO criteria were met - a minimum initial deposit within a certain time frame, and maintaining a minimum balance for a specified time frame. 

- I called the customer service line repeatedly, inquiring as to whether or not all criteria had been met in order to qualify for the promotional offer bonus cash deposit. 

- Every time I spoke with an associate, it was confirmed that all criteria had been met. 

- All of these phone calls were recorded. 

- When I ultimately called to inquire as to why I had not received the bonus yet, I was informed that upon review there was a third requirement ( minimum transactions ) that I had not met. I had not been informed of this requirement to-date, and this requirement was not included in the initial offer. 

- I have tried communicating with Bank Of America repeatedly about this issue, but with no success.

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 2021-06-22
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been under forbearance plan for the past 15 months due Covid-19 situation with my loan servicing company " XXXX XXXX XXXX ''. 
I told them I can resume my regular monthly mortgage payments beginning XXXX, XXXX. They already declined my loan modification application ( they say it was modified in 2018 and it was only once in a life time deal ) and refused " deferral option ''. Now they are demanding I pay at least one year lump sum payment or my home be foreclosed. I just came out of Covid 19 economic hardship situation and do not have such a lump sum amount. 
I have never been late on my mortgage payments since 2018 and have over XXXX credit score. 
I tried refinancing but because I have been under forbearance, all banks I applied refused. I have over 60 % equity on my home now. 
My mortgage is not federally backed, I think.

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 2020-11-05
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 am filing this report today XX/XX/2020 because I found five accounts and a few inquiries on my credit report that does not belong to me. I never opened these accounts or made these inquires and I did not allow anyone to open them in my name. I do not have a written/verbal contract with any of these companies nor did I gain anything from them being open in my name such as money, goods, services, or any other benefits. I did not make any transactions such as payments or purchases with any of these accounts. I filed a police report and a complaint with the CFPB regarding these unauthorized accounts.

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 2022-01-11
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Funding received my request to validate a debt on XX/XX/XXXX, for {$970.00} which is appearing on my Consumer credit report. I have copies of the green return receipt. I gave them 30 days to reply from the receipt of the Debt Validation letter. 
As of XX/XX/XXXX, there's no reply. This a violation under the Fair Debt Collections Practice Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Paramount GR Holdings, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Received loan, received 1st statement XX/XX/2021 for loan. Made {$30000.00} payment. In XXXX, there was no statement sent, no contact stating there was an issue with statements. Website showed I made a {$30000.00} payment and 1 auto payment of {$190.00}. No balance was provided, no ability to pay off account unless you guessed the balance. 
XXXX XXXX I looked, no information since XXXX XX/XX/2021. No email stating there was an issue. No way to find current balance. I wound up calling the company to find out the balance as I had wanted to pay off the account since XXXX. The company was quite aware that no statements went out in XXXX OR XXXX ... and they apologized, then let me know my current balance after my payment, had gone from {$9300.00} to {$9600.00} ... and increase of {$330.00}. 

My concern is the company : A ) Had billing statement errors, provided no notification, and no visibility or ability to see current balance, even with an active online system. 
B ) Managed to still charge interest to customers while failing to comply with federal regulations. 
C ) Provided no way to see balance or ability to pay off balance without guessing. 

I can't even call if I don't remember their name because I don't get statements.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a dispute letter on XX/XX/XXXX through Certified Mail requesting a reinvestigation and the Method of Verification for a bankruptcy on my credit profile. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). The credit bureaus has been non-compliant and didnt complete the dispute in 30 days. I further remind the credit bureaus, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. XX/XX/XXXX), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.

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