BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Bank, XXXX abuses customers reports XXXX. I was flooded in XXXX XXXX and Wells Fargo is refusing to cash my insurance check and give me my proceeds. When I reported my loss to Wells Fargo and I was told I would get an insurance check with both my name and the Bank 's. I was to take the check to a local Wells Fargo XXXX and they would release the majority of the money to make it easier on me. Then I was given a website insuranceclaim.com/wellsfargo. I registered was asked for XXXX documents which I uploaded. The next time I tried to log in I was refused access. I had to call a special number ( XXXX tracking number XXXX ). 

Now I am told they want an additional XXXX pages of documentation which I can FAX OR MAIL. Who is running this bank... old men with flip phones? Then they told me I was to endorse the check and MAIL it to SOUTH CAROLINA. Then they would send me and my CONTRACTOR a check. If I still have a contractor when they get their act together. 

I have been assured they have not cashed the check and are letting it sit in a corporate escrow account earning interest for the BANK. I do n't believe it. Between here and Florida if there are even XXXX checks for an average of {$50000.00} that is some serious money. Of course they are holding it as long as possible. They have given me no time line as to when the funds will be released. In the meanwhile every day I sit doing nothing to the restoration of my home I am exponentially delayed in completing the project. I have waited XXXX week and I think that will cost me XXXX weeks in getting back into my home. 

They are so sorry I am upset and frustrated. And they spout the same procedural information over and over. I have posted on facebook and they did the same thing during XXXX XXXX. They have a corporate culture of using consumer as fodder for corporate profit and have no desire to do the right thing. 

They have a proven pattern of abuse and it needs to make the news.

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 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My consumer rights were violated under 15 USC 1681b ( a ) ( 2 ). I filed a complaint to have these accounts removed with Transunion and they didnt respond

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 2020-04-24
Company: Midwest Recovery Systems
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020, my credit score dropped due to a new derogatory account being added. This account was a charge-off that I never received any notice of whatsoever, and have no clear idea of what the original debt is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: EQUIFAX, 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:
Remove fraud alert. I did n't make it and I 'm not mailing you all that stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: ProCollect, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, 2017 I submitted information to the emails XXXXXXXXXXXX and XXXXXXXXXXXX at the company Procollect. They requested that I submit copies of my utility bills 3 years back proving that I did n't live at the stated address of the utility bills and a police report stating that identity theft had taken place. 

After complying with this request my account was escalated to a XXXX XXXX, who I was told would call me regarding the account. This never happened. I did however get some paperwork that stated that my accounts were now zeroed out. 

Eventually I signed up for a monitoring service and noticed there were still some issues with them. They somehow did n't connect the dots and realize that the other fraudulent account was related. 

I have since contacted XXXX XXXX at procollect and he has yet to contact me, I have not received any notice that the accounts were corrected and I have checked XXXX XXXX and I am still able to see the issue. No one else will speak to me at the company because my account has a special status and only XXXX XXXX is permitted to speak to me. 

Any assistance with this issue would be appreciated as it seems I have exhausted my own resources.

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 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My credit is inaccessible to the mortgage company. I did not freeze 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 2021-06-12
Company: Chime Financial Inc
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On numerous occasions the XXXX XXXX XXXX card has reported that Ive had an open balance Ive called numerous of times I can pull my phone records I have proof that all my balances were paid off. XXXX XXXX XXXX  is a prepaid credit card and you can only spend what you put on so I do not understand how I have an open balance in each month it goes higher and its now affecting my credit score Ive been numerous of calls I said numerous of proof my bank statements and everything every other time Im told they dont know what Im talking about and then I have no balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, I work with a company overseas. They use XXXX  transactions to send money. 
My bank is Ally Bank. Ally apparently does not have their own XXXX code, they use a code through XXXX XXXX. This seems to be the heart of the issue. 

I worked very carefully to get all of the information to give the company from Ally. I gave it to them as directed. But my transactions never came through. 

The sending bank XXXX XXXX in XXXX XXXX made two separate transfers. 

1st payment : XXXX XX/XX/XXXX for XXXX Euros 2nd payment : XXXX XX/XX/XXXX for XXXX Euros As far as what the told me, the money did not come back to them. 

I called Ally on many many occasions. 
I called on XX/XX/XXXX I called on XX/XX/XXXX I called on XX/XX/XXXX. This time they told me they needed the 'tracing number ' of the original payments. I called back a week later with the tracing information. 
I called again on XX/XX/XXXX I called again on XX/XX/XXXX I called again on XX/XX/XXXX Ally escalated it to an executive resolutions team. The executive resolutions team did an investigations and told me that they will not be able to do anything. 
XXXX said that they would only begin an investigation if the receiving bank requested it. Ally refuses to look into this matter any further. 

Right now, I have over 400 Euros sitting in an account somewhere and Ally ( my bank ) refuses to send an e-mail to XXXX asking where it is.

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 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Asked them to remove the wrong addresses & they failed to do 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 2021-06-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Asked them to remove the wrong addresses & they failed to do 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 2017-10-02
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Loan Amount XXXX} Estimated Monthly Payment XXXX Loan Type XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PrimeLending Settlement Agent- XXXX XXXX XXXX XXXX I signed a waiver of marital interest on XX/XX/XXXX at XXXX XXXX XXXX XXXX for PrimeLending. 

A XXXX XXXX XXXX encouraged me to sign the IRS XXXX  Form because after the divorce, the buyer would lose the property to foreclosure anyways and that since I signed the waiver of marital interests it would n't affect me personally. 

XX/XX/XXXX, I called the Lender at PrimeLending to inform them that my name was electronically signed and my social security number was used without my permission on a IRS XXXXT Form on XX/XX/XXXX. The lender was extremely upset due to the amount of time spent for the loan approval which is when I informed the lender of a divorce that was in process. The Lender then told me that the deal would be dead due to the divorce because there would be a significant change in income and that child support and alimony would deny the approval. I contacted my attorney who then called the lender at PrimeLending to inform him that I would not be signing any for or the IRS XXXX Form. The IRS XXXX Form was sent for approval anyways, XX/XX/XXXX an email was delivered from the loan officer at PrimeLending stating the loan was approved. 

XXXX XXXX met with buyer on XX/XX/XXXX for closing. 

I have spoke with a mortgage fraud attorney. 

I do have text message and email evidence of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: BANK OF THE WEST
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
this is an addition to complaint # 's XXXX & XXXX against Bank of the West in relation to my vehicle lease initiated XXXX and paid off XXXX. In my complaint XXXX I asked BOW to supply me a full accounting of my lease with them. They sent me a " Transaction History '' that shows no beginning balance, no running balance, and no ending balance. While further reviewing the " History '' I noticed that XXXX of my XXXX payments that I made to BOW in XXXX XXXX are not reflected on the History. 

On XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX I made a phone payment with a person at BOW in the amount of XXXX. Confirmation # XXXX. 

On XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX I made a XXXX XXXX  by phone in the amount of XXXX}. Confirmation # XXXX. 

On XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX I made a XXXX XXXX  by phone in the amount of {XXXX}. Confirmation # XXXX. 

The payments on XXXX & XXXX/XXXX/XXXX totaling XXXX  are not showing on the History. 

I demand immediate repayment of those funds to me as this lease has been paid in full based on the payoff package BOW sent to my financial institution. A payoff amount that obviously does n't include the XXXX  payment I made. 

This is really getting ridiculous. I have never in my life had a bank lose so much money is so short a period as BOW has. Imagine these losses in less than XXXX  months extrapolated across a full XXXX month lease. 

I am attaching BOW 's History and my bank statement showing all XXXX payments were paid by my financial institution well before the payoff amount was given to my financial institution in late XXXX XXXX. I feel this XXXX was not reflected in the payoff and the funds should be returned to me. 

I have contacted BOW twice about this and they just keep putting me off. I will not just give up on my 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 2022-04-07
Company: Experian Information Solutions Inc.
State: NY
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-10-02
Company: World Acceptance Corporation
State: TN
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 took a starter loan out at World Finance Corporation of XXXX, Tn,38401 this was around XX/XX/XXXX after getting the loan I fell on hard times and defaulted. Well after getting back on my feet i been trying to get my credit straight out. I received a letter from World Finance the beginning of XX/XX/XXXX offering me three options of paying off the loan I took the offer to pay them off as it was a small starter loan. So I payed them off on XX/XX/XXXX. I asked the manager when it would be off my credit and he said they reported monthly so around 2 months I said great. The other day trying to get a starter loan at another instutution they said they could n't cause I owed World Finance I said impossible I paid them off at the beginning of the year. I provided her my payoff receipt and got the loan but she advised me I was n't the only one that she seen World Finance do wrong she told me they reported on my credit report that I still owed them in XX/XX/XXXX But my receipt shows it being payed off in XX/XX/XXXX. I talk to World Finance Corporation XX/XX/XXXXXXXX in person and they stated that I still owed them even though my receipt shows otherwise. The lady said since I took the payoff amount that it was n't paid in full but my receipt says otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection report date onXX/XX/XXXX 2017 Original creditor : XXXX XXXX XXXX Amount : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been spending a lot of time dealing with remove a false charge from my credit report XXXX XXXX XXXX XXXX XXXX I now have confirmation that not only is this a fraud but XXXX XXXX has repurchased the debt from XXXX XXXX there is no reason for the agencies not to remove this ASAP. To date, only Experian has removed this fraud charge. 

I had a call scheduled with a debt lawyer until XXXX XXXX got in touch with me. But I am at the pointn where I am considering legal action against both XXXX XXXX XXXX for aiding and abetting fraud. I would even consider my first ever lawsuit if need be. 

XXXX also leaked my credit score to hackers which their top executives hid from shareholders and the public and traded on. So I have a case against XXXX but even more of one against XXXX. 

Also some of these credit inquires are incorrect. I have a letter from XXXX for Experian in that regard and XXXX has two inquiries for XXXX when I dont even think there should be one - this is wrecking my score. Please remove them ASAP Please see attached documents for everyhthing

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 2017-10-02
Company: GVA Holdings, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan on XX/XX/XXXX2017. Interest rate is 786 % I have paid 7 payments of {$220.00} biweekly. The finance charge is {$1800.00} on {$750.00} loan. Total amount I will pay for this loan is {$2600.00}. I feel this is too much interest. I still have 5 more payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I sent paperwork via U.S. mail and uploaded information to Fed Loans asking them whether or not I qualify for the Public Service Loan Forgiveness program. I sent them as much information as I could including my W-4 's but I could not verify my work as a XXXX  for XXXX XXXX XXXX XXXX XXXX because of the outbreak of the corona virus and the stay at home measures that XXXX and XXXX XXXX XXXX XXXX ( XXXX  ) have implemented. We are now in XXXX XXXX.  I sent them the paperwork and asked them if they could verify my work with the XXXX XXXX which dates back to XXXX as a XXXX XXXXr as well as a XXXX XXXX XXXX   starting in XXXX. They sent me the paperwork indicating that I needed to verify this. I can NOT at this time and I wanted to see if I qualified for the program or if I didn't then how many payments would be needed to qualify be exempted from my federal loans. My information is with XXXX. My information is with the XXXX XXXX XXXX XXXX. Are you trying to tell me that the Federal Government of the United States can NOT verify my work status with the state bureaucracy and implement the data to see if I qualify? I attempted to go downtown but I was told to go home. At this time, the only people that can verify my status are the bureaucrats. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: AVANTE
State: LA
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 has a collection entry added to my credit reports. But after further research, I have learned this collection agency is not licensed to collect in my state. In the state of Louisiana, debt collectors are required to be registered in order to collect. Also, I have never received any type of notice from this company in reference to any bill. I had absolutely no knowledge of this company until they added an account to my credit reports. Since they are not licensed in Louisiana, they are now in volation of the law. Therefore, I am now demanding that this company delete all of their entries from all three of my credit reports. Their reporting has led to serious damage to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: BANK OZK
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have an RV loan with Bank OZK. I recently realize that of the {$200.00} a week extra principle payments that I have been submitting, about half of them have been posted wrong thus making the current payoff higher than it should be. The only way you notice the incorrect postings is that when done correctly you see the difference in past balance and current balance is {$300.00} less. When posted incorrectly the balance only drops about {$120.00}. This over time keeps the balance higher and the payoff of the loan takes much longer. 

Bank OZK says they will only go back and adjust the figures for one year. If they have made errors as a legal banking institution it would seem they have a legal obligation to make it right. I'm being told that it was my responsibility to catch the error. In other words from OZK. " let 's see how long we can get by with doing this and if we get caught we will make a few adjustments to act like we are trying to help '' I'm guessing they have a legal obligation to do correct accounting for all of their customers and not simply see what they can get away with prior to getting caught. 

There are other complaints online for the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: MicroBilt / PRBC (formerly CL Verify)
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Sent a request to MicroBuilt to place a freeze and suppression on my consumer file as well send me a copy of my full consumer report. Have not heard anything back. Please see attached file and fulfil my request immediately thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRUIST FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
THIS COMPANY IS COMMITTING FRAUD BY REPORTING THIER INCOME ON MY CREDIT REPORT. THEY FILED IT ON A 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