BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: MD
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 am currently in a chXXXX bankruptcy filing status which XXXX is aware of and they have continued to report payments as late after my bankruptcy filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: National Credit Systems,Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
National Credit systems sent me my first proof of debt on XX/XX/XXXX, I made payment on XX/XX/XXXX and sent proof of payment, they added it to my credit report on XX/XX/XXXX. The representatives name was XXXX XXXX. XXXX wanted me to submit my payment directly through her so she could receive the credit but her hours did not align with my work hours so I made payment online. After I completed my payment online XXXX XXXX was upset and as a form of retaliation she began harassing my family and myself and ultimately falsely reported this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
wells farge bank continuews to refuse aprove my credit card application based on discrimination based on my XXXX and contiues to refuse aproval of my credit 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 explanation
Consumer complaint received 2021-02-24
Company: Selene Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Selena Finance fail to provide the monthly statement in few months after they took over the service from the previous mortgage. 

It is crystal clear now, that there is an error in Selene Finance system and they still can not provide the statements for the those few months. 

During the first 60 days after Selene Finance took over my mortgage, I have been calling Selene finance and telling them I want to pay but I haven't received the statement and the coupon. Their kept telling me that Due to COVID, there will be a 60 days delay and just want me to wait, wait and wait. The last call was on XX/XX/XXXX, with call reference XXXX. They still told me to wait and no instruction for how to pay the payment without the coupon This got resolved until XX/XX/XXXX with was more then 60 days since Selene Finance took over the service. The reason it got resolved because I filed the complaint with CFPB on XX/XX/XXXX. 

As fact, Selene Finance laid to me and using the excuse of " COVID impact '' instead of telling me it is program issue and not instruct my correctly with the payment. As a result, Selene Finance charged me late fees for {$63.00}. 

I should not be punished by the late fees since Selene Finance laid and did not provide the right service for my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions Inc.
State: MD
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 recently reached out to XXXX XXXX  mini of times indicating that this account was fraudulent I have also filed a police report a consumer protection bureau, And I have also filed a report with the federal trade commission ... ... under federal law because My identity and/or my Social Security number was used fraudulently under federal law XXXX must remove/ report This information to the creditors and remove this negative information off of my report under federal law Section 623 ( a ) ( 2 ).

Section 605B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent in all required documents by mail to the three credit bureaus in XX/XX/2019. They have failed to respond with in the stated requirements of the fair credit reporting act section 605b. I am a victim of identity theft and in desperate need of these items being removed from my report.

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 2018-04-05
Company: CRESCENT MORTGAGE COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX was acknowledged an escrow surplus of over {$3800.00}, but has refused to return it even after numerous calls, emails, and other written requests. Each time they assure we they will cut a check and it will be there in 7-10 business days, but the check never comes and my escrow account still shows the surplus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Received letter stating they do not have info on me. I had my report somehow " disappear '' in 2015. I am currently unable to access my report online, or through annual credit report 's website. I am able to view via third party website ( XX/XX/XXXX ), yet this is affecting if I need access directly in order to dispute an item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing, Inc Complaint They have asked me to verbally agree to payment plans over the phone but refuse to send me letters about the plan. They say I need to verbally say yes, then they will send me the packet.

This is not the first time, I have felt scammed from them.

I contacted them when COVID hit to ask for 2 month deferral, due to hardship. I have never missed a payment and I also had automatic payments set up. The women assured me that my payments would be deferred for 2 months and my monthly mortgage would resume and then SPS would work with me to reconcile the 2 months missed. 

Now they have no record of a deferral of payments, I am in now in forbearance mode and must come up with $ XXXX by XXXX. They have no record of any past conversation they " say '' however all calls have been recorded. 

They now have rolled in all these hidden fee 's when I have a letter stating that due to COVID they won't have hidden fee 's or % rates. This company is also the company that gave me a 7.8 % mortgage interest.

I definitely think someone needs to audit them.

As someone who owns companies, this company isn't honest or full of integrity at all. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: CT
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:
The last time I sent out my dispute letters was on XX/XX/2020. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/2020. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/2020, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

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 2020-10-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for a Wells Fargo credit card on line for a balance transfer from my XXXX account. When I applied on line the response I received stated my application was under review and someone would contact me shortly. I never heard back and contacted Wells Fargo at XXXX to find out the status of my application as well as the terms and conditions of a potential credit card, on XX/XX/XXXX and again on XX/XX/XXXX. Another week went by and went I went to my online banking, a credit card account had been opened with a balance transfer of {$5000.00} and a fee of {$140.00} on XX/XX/XXXX! I called Wells extremely upset and advise I never authorized this credit card as I had called to obtain the terms and conditions of the card and they had violated regulation B as no notice of approval had been issued to me. They said someone from the complaint department would be in touch. Still hearing nothing I received an email on XX/XX/XXXX from XXXX XXXX at XXXX stating she was from the executive office and was working on my complaint and I would hear something by XX/XX/XXXX. Still hearing nothing by that date I had contacted her on XX/XX/XXXX and she indicated because Wells Fargo sent me a notice that I had been approved they would not refund the balance transfer fee. I urged her that I was dissatisfied and had never received a letter, and why hadnt they called me back, I would be paying off the card and closing it out in the next 3 weeks and I had moved residences and I had been a long time customer of Wells, as a courtesy I want the {$140.00} fee refunded. XXXX stated that because a letter was mailed, there was nothing further. I am appalled at the compliance violation and lack of professionalism with Wells Fargo thinking they can just issue credit without confirmation from the customer. Please try to recoup this balance transfer fee for me. 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 monetary relief
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hello, I attempted to make a payment online to XXXX on XX/XX/XXXX. The online system had an error which stated Please enter a valid routing number. I tried to make the payment through the XXXX, phone, computer, and XXXX to no avail. The automated system was also stating the same information, therefore the payment could not be made without speaking to an actual representative. I called the next morning, XX/XX/XXXX, at XXXX XXXX when the company opened and explained the situation. The representative I spoke to on a recorded line stated there was a computer error with their systems the day before. She took my payment over the phone and explained there would be no reporting late due to this information and it was only 9 hours past the due date. I went to refinance on XX/XX/XXXX and was advised that XXXX put a 30 day late on my credit report due to their error. I called the company immediately and ask for them to remove it as a one time courtesy. I emailed and sent a letter with the same request and I received a response stating I would have an answer within 3 business days. I then called back and asked for a supervisor and was denied the name and opportunity to speak with one. This has been a constant occurrence with this lender. You can not speak to anyone regarding your concerns and get very generic answers to questions that come at the end of the mandatory time.

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 2018-07-25
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: Account status incorrect

Complaint:
I am no longer disputing XXXX  XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
The last time I sent out my dispute letters was on XX/XX/2020. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/2020. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/2020, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

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 2020-11-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
In the last few weeks, Experian has dropped my credit score over 35 points for absolutely no reason whatsoever. I recently paid off my vehicle loan and 3 weeks later my score dropped from XXXX to XXXX. Approximately 1 to 2 weeks later it dropped again from XXXX to XXXX. During this period there were no inquiries into my credit, no late payments, no new accounts opened. This enormous credit score reduction has absolutely NO basis in actual credit usage. Additionally, I have tried repeatedly to reach the company by phone or email only to realize that there is NO WAY to reach a live person.

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 2017-09-15
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:
I paid my balance on my XXXX XXXX credit card under the agreement that they would both close the account under my name and remove it from my credit report. They agreed to do so when they received the final payment on XX/XX/2016. I left the matter alone and was notified with my credit report later that the account had not been removed as promised. I 've disputed the claim with transunion and XXXX 4-5 times with each company. Each time the dispute comes back as 'verified as accurate '. This was not the agreement I had made when completing my payments and my credit reports need to reflect that accurately.

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 2022-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I took out a loan from a company called " Loan me '' in XXXX of 2015 of the amount of {$2500.00}. I received a phone call from my sister that someone named XXXX contacted to verify who I am and where I live, she also contacted several other people in my family and job to get in touch with me. When I called XXXX she told me that she works for a company called " XXXX XXXX XXXX '' in good faith I gave her my account information because I know I took out this loan and set up a payment arrangement with her which was going to be {$400.00} a month over the course of 2 years with no interest ; however, when I looked up this company there is no information of its existence. I asked XXXX to send me a letter to confirm that she works here and I got an address which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number is XXXX. When I look up this address it is showing that it is a XXXX XXXX. She threatened to take me to court and sue me for the {$4800.00} and guaranteed me that I would loose in court. After I hung up the phone with her something did n't seem right. I started to do my research and contacted Loan me to see where my debt had gone and they told me that it got sold to " XXXX XXXX XXXX '' and that they ca n't give me anymore information not even a number to contact them and that I had to look it up. After looking up the company XXXX XXXX XXXX, I am still not able to find any information on it. All I would like to do is find out where my debt went and see how I can settle this because none of these companies that are calling me or non- existent. I went ahead and cancelled my debit card and reported it to my bank but now I am back at step one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On multiple occasions I've noticed a late fee charged to my account although I was not late. Some times I was credited by them others I had to point it out. I want a full investigation of my account from the day it was open. In XXXX I made two payments 1 for XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. None of my XXXX payments were posted on my statement but a XXXX late fee was charged to my account and the same in XXXX which was credited back. There is clearly a problem that needs to be addressed with their system.

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 2021-06-21
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX on XXXX XXXX Mail a letter to Validate to Convergent. According to USC15 1692G Individual Action 1. Convergent did not comply 5 days after speaking to me 2. Convergent was given a request to validate debt and did not provide validation 3.Convergent has not stopped ceasing to collect on the debt

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 2021-02-23
Company: TRANSUNION INTERMEDIATE 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 information incorrect

Complaint:
I have tried multiple times to have the credit reporting agencies remove the incorrect information on my credit report. They have not furnished any contact information from the companies which they have verified their information from.

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