BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: EQUIFAX, 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: 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 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns.

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 60 days so they 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 gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Hello I have been with this mortgage company for 12 years and I pay them every month, I disputed how they were reporting my information they have been effecting my credit score for years so I sent a letter to the bureaus to pay attention to my report and they still are neglecting to correct their mistakes. I will list mistakes now 1. High Balance is missing 2. Payment history showing 120 days late for over a year how is this mathematically possible? Does this sound right? The Limit is also missing.

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 2018-01-17
Company: WELLS FARGO & COMPANY
State: CA
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:
I have been a member of Wells Fargo since 2004, and have not, until recently, had issues to the extent that I have had with the company. I have chosen to handle the majority of my banking online for convenience but also because the employees working at several of the locations I have visited have been extremely unprofessional while handling my account. For example, I have had tellers read my personal information out loud while handling transactions ( i.e. current balance ). The company has also been uncooperative while dealing with automatic payments on my account. I submitted a request to have a payment stopped until I could research the company taken the automatic payments out of my account. However, Wells Fargo refused, and insisted on the continuation of the withdrawals refusing to negotiate via my online account. More recently, the company fraudulently submitted several transactions sending my account into the negative. The company refuses to acknowledge that these charges were fraudulently placed on my account, and does not give the option to dispute online. I have reached out to several representatives to no avail, and have been misguided and misdirected. The bank also deleted several emails sent to me from representatives in regards to my account. One email was from a representative strongly suggesting that I  do not dispute the charges and that I call rather than email. The email was threatening and suggestive. Several other emails contained messages that they would not stop the automatic payments.The recent transactions are fraudulent, I am now concerned regarding my vulnerability to the company as they are using my personal information, and the company 's refusal to assist with the discontinuance of the automatic payments is unprofessional and unethical.

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 2018-01-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
cra violation wells fargo has caused me to bounce checks with atleast the other banks also my apartment complex giving my provisional credit and taking it back i have showed them on several occasions that my computer was stolen police reports and this still has not been fixed charging me non atm which is unfair by their practices they open up accounts before in the past and still have not settle that case How many times would they like the see the police report i sent on several several times

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 2018-01-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a loan through XXXX that was sold ( immediately, I was told ) to Wells Fargo. The mortgage was closed in XX/XX/2005. It was a 15 mortgage with early payments ( 26 payments per year ). This meant that the loan would be paid off in 11.2 years. I have never missed a payment. At about 18 or 20 months from the payoff date, I realized that the balance was wrong. I spoke to someone at Wells Fargo and he recalculated the amount that should remain on the loan. He said that the balance should be approximately {$60000.00} less than was shown on my statement. I was told that the amount that I paid was not correctly applied to the loan amount and didn't take my early payments into account. As there were two banks involved, I was tossed back and forth between them about 5 times without making any progress.

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: Experian Information Solutions Inc.
State: AL
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:
In XXXX and XXXX of 2021 I filed a dispute with the major credit bureaus Experian and XXXX about the unverified info being reported from XXXX XXXX Account number XXXX. 
In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank 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 2021-03-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
All 3 credit bureaus have remarks on my report that Ive been 60 days serious deliquincy. I have never been late on any of my accounts in over 5 years. I have tried to dispute this remark with all 3 credit bureaus but have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filled out a loan modification on XX/XX/XXXX, no one from Carrington has contacted me I have since called them 4 times (twice week of XX/XX/XXXX) (twice in XX/XX/XXXXXX/XX/XXXX) for follow up information on the modification. I was told in XXXX the modification application was complete and someone would be contacting me no one has called. When I called in XX/XX/XXXX I was told they needed last three months of Profit and Loss statement for our business. However, no communication was given to me and I would not have know this unless I called. I did however, receive documentation sent on XX/XX/XXXX that my loan had been sold to XXXX XXXX XXXX XXXX. I am guessing because I filed a modification but Carrington is not willing to help us. I also went to receive assist from the NC Foreclosure Program and have been requesting mortgage statement from Carrington and they will not send me the information. They stated because I was in a bankruptcy but I have requested my mortgage statements several times and I have not received anything. I need those statement to receive assistance through the NC Foreclosure Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive made one attempt to dispute my debt, due to financial strain. I was informed that only one of my bills could be lowered and the other would stay the same and would need to be paid immediately. I was told that if I am unable to pay immediately the chance of getting my bill lowered to the same price would be unlikely. Im unfortunately still finincial unstable and paying those prices upfront isnt possible for me at this time. I would appreciate it if my bills were lowered and/or forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Telsa Motors Inc
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Earlier this year in XX/XX/2021, I entered in a Solar Panel installation contract with XXXX where the Company executives and Sales person said they will install Solar Panels and will power them on so i will have relief towards my Electricity bill. And for that they enrolled me into a contract. They have installed Solar Panels since XXXX months now and they are totally unresponsive about completing my project on time. Right now the solar panels have not been turned on, my advisor is not in touch with me since months and their customer support does not give any definitive dates when the project will complete. In fact i am being told that there are many customers to handle so we can not do anything and i am working with totally unresponsive people. Meanwhile my loan has started i am paying 'Interest ' on the loan for Solar Panels which are not functional. XXXX  also unduly charged my approx XXXX for electrical upgrade but it was not required and not done. That amount is also included in the loan which i am paying interest on and XXXX would not reimburse the amount until solar panels are turned on which is currently indefinite. 

I am paying a loan for a solar panel product which is stuck in indefinite timeline with unresponsive XXXX and i am paying interest on the loan plus XXXX of electrical upgrades which i never required and was not done by XXXX at all. So i am having to incur a lot of extra charges due to XXXX XXXX mismanagement and non-transparency.

Since april the solar panels have been installed and there is no attempt to expedite or provide clarity on multiple calls, emails that i have sent them. I am requesting them to reimburse XXXX $ right now so i dont pay interest on it and also that they must reimburse me for the delay in project as well as the interest i am paying for my loan unduly. I should not be charged loan amount until solar panels are functional ideally. It appears to be cheating and mismanagement to get people on loans and not start their solar panels. This is totally unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Experian Information Solutions Inc.
State: NY
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:
There is an account that was added to my credit report fraudulently that does not belong to me and all 3 companies were made aware. The account is XXXX last reported XXXX XXXX and it says it was opened on XXXX says original creditor is XXXX and that {$1700.00} is owed. This account if fraud and does not belong to me and I want it removed at once. Police have been notified as I am a victim of identity theft for over 8 yrs now. Please enforce this account be removed as it is fraud and does n't belong 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 non-monetary relief
Consumer complaint received 2019-07-18
Company: Elite Financial Services, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My girlfriend put my name on a leasing application with the possibility that both of us might live at these apartments together. I did not sign the application. We decided not to live together at the time, although she decided to lease an apartment at this complex. I did not. I never saw a lease, never signed a lease, and never agreed to any terms of a lease. Now the company is pursuing me for an unknown balance due, which has never been explained to myself or my girlfriend. She moved out at the end of her lease with no balance due. The property manager saw her, spoke with her, and waived good-bye as she drove away on the day she vacated, with no mention of any balance due, whatsoever. Now, Elite Financial is claiming I owe money. I was never a party to a lease at this complex, nor have I ever seen or agreed to any lease terms. I asked Elite Financial to provide a copy of a lease with my signature and they have not, yet they are pursuing me for unknown charges. I have never seen or signed a lease at this property and have no obligation for anything. When I spoke with Elite Financial, they refused to provide any documented evidence to demonstrate that I owed any money and they continue to make demand on me for some unsubstantiated balance due. Elite Financial refuses to provide any documentation as to the origin of the claimed balance due or any documentation explaining why I am responsible for an amount due. I have never dealt with such an unscrupulous company before in my life. Pursuing me for some financial obligation I never agreed to and refusing to provide any documentation to demonstrate why it thinks I owe money ... its a disgrace that this company is allowed to do business in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, 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:
This account is inaccurate and an FCRA violation. XXXX XXXX XXXX  # XXXX According to FCRA 611 ( 15 U.S.C. 1681I ) ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please remove this inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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 submitted the proper documents and they still haven't solved the problem.

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 2018-01-17
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX 's website is non-functional for me. I had a username and password. They redid their site and my old sign-in did not work. I have tried more times than I can count to sign in with what I have recorded or to use the " forgot username '' or " forgot password '' function. I have tried to initiate a new account. Nothing has worked. There is a phone payment function but today it took me THREE CALLS for it to finally get me to the right place and accept my payment. My time is quite valuable, so it can be argued that such trouble costs me up to hundreds of dollars each time. I have spoken with customer service and have emailed complaints SEVERAL times. I always get an email back saying I will be contacted to resolve the issue and I never am. Today I was frustrated to the point of calling my former mortgage servicer and inquiring about a refinance. It could be easily done but the cost involved makes it impractical. As bad as I want to be rid of Franklin American, I do n't wish to pay thousands extra to do it. I think they should be forced to repair the problem and compensate me in some way. I do a great deal of banking and purchasing on line and can honestly say I have had nothing close to this level of difficulty. The problem has persisted for over six months now.

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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the XXXX XXXX XXXX XXXX Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such.

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 2022-01-10
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: Investigation took more than 30 days

Complaint:
I did not give your company consent to furnish any hard inquiries on my consumer repor. I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Herein is my Response to Wells Fargo 's answer in aforementioned Case ID XXXX Respondent to the aforementioned complaint, XXXX XXXX of Wells Fargo Executive Office , continues to ignore any and all calls and voicemails to her direct number XXXX, I called on Monday XX/XX/2021 and left voicemail to return my call, no response, I called again on XX/XX/2021 and left voicemail to return call, *zero* response to date, all calls are unanswered and go straight to voicemail. Wells Fargo refuses to provide the required 12 character code " XXXX '' as XXXX supervisor informs me : without 12 character code beginning with " XXXX  '' Im unable to report the scam on XXXX reporting service Wells Fargo keeps providing me an invalid 10 character code to use with XXXX Reporting Mechanism. ( Please see enclosed attached evidence captured from XXXX XXXX XXXX as indicated in the evidence under Payment ID : XXXX Mandates all financial institutions to provide a Payment ID that is 12 characters long. 
I remain outraged that Wells Fargo closed all ( 3 ) three previous claims *before* providing the outcome of the receiving institutions action or inaction on the case, Wells Fargo is not informing me of the action or inaction of the receiving institution, Wells Fargo is not informing me what time frame to expect receiving institution action or inaction.

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: EQUIFAX, INC.
State: NC
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 received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation