BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Back in XX/XX/2018 I disputed this account with WFDS with XXXX in the amount of of {$8200.00} and XXXX. XXXX   told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer of " validated ''. To date I have not received any of that and XXXX has violated FCRA 611. I requested that XXXX not use e-oscar for this and instead verify that they have the contract of my signature on site for FCRA 609a1a. I challenged that because I never received substantial information such as an original signed consumer contract from XXXX even WFDS during this time period. I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from WFDS as per FCRA and FDCPA regulations I requested the following, which were never done and sent to me. 1. Copies of the written notice you provided to all lienholders by first class mail of your intent to file for a repo title and 2. A copy of California form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lienholder The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle.WFDS was  unsuccessful in providing me with this information after my request on XX/XX/2018. WFDS was unable to provide the required proof within 15 days of receipt of the letter I sent on XX/XX/2018, the alleged claim of deficiency will be considered null and void since WFDS failed to comply with the proper consumer protection laws.

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 2019-03-28
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Allied Interstate calls 10-15 times a day from various phone numbers.

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 2018-05-21
Company: ENCORE CAPITAL GROUP 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:
XXXXXXXX XXXX is trying to collect and report on an account that was already removed due to fraud. The original account which was removed was XXXX XXXX which was opened prior to me turning XXXX which was clearly fraud. That has already been determined. This account and nothing associated with it belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
After reviewing all three credit reports i found inquiries that did not belong to me, a couple of months ago i discovered my identity and personal information was stolen. i contacted all three credit beaureus and was able to resolve the issue with XXXX and XXXX, however Transunion would not delete the fraudulent inquiries. i have sent several letters and made several phone calls and have yet to get this issue resolved. i submitted a complaint with the Federal Trade Commision and mailed it to Transunion but they said they never received it. i have uploaded a copy attached to this complaint. I have advised them several times however they still will not delete the inquiries. Transunion is in violation of the fair credit reporting act by countinuing to report these inquiries.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Charged overdraft fees

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 2018-05-21
Company: DISCOVER BANK
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to this company numerous of times about the unauthorized inquiry. I have a security freeze across all 3 credit bureaus. I have called both the creditor and the credit bureaus and they keep telling me to call the other. I have ya to get anywhere with this situation. I am well aware of my rights as a consumer and I cant get a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX has been paid. Still showing with a balance.

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 2018-05-21
Company: HYUNDAI CAPITAL AMERICA
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to this company on several attempts regarding a medical debt they are placing for collections on my credit report. This company has not responded but continues to report the debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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 information incorrect

Complaint:
XXXX  XXXX has reported an account on my credit report, but I have no contractual obligations with XXXX XXXX or XXXX  XXXX. Please remove this account due to no contractual obligation with these companies.

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 2020-12-30
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX, 2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2019-03-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Back in XX/XX/2018 I disputed this account with XXXX  with Experian in the amount of of {$8200.00} and Experian. Experian told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer of " validated ''. To date I have not received any of that and Experian has violated FCRA 611. I requested that Experian not use e-oscar for this and instead verify that they have the contract of my signature on site for FCRA 609a1a. I challenged that because I never received substantial information such as an original signed consumer contract from Experian even XXXX during this time period. I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from XXXX as per FCRA and FDCPA regulations I requested the following, which were never done and sent to me. 1. Copies of the written notice you provided to all lienholders by first class mail of your intent to file for a repo title and 2. A copy of California form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lienholder The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle.XXXX was unsuccessful in providing me with this information after my request on XX/XX/2018. XXXX was unable to provide the required proof within 15 days of receipt of the letter I sent on XX/XX/2018, the alleged claim of deficiency will be considered null and void since XXXX failed to comply with the proper consumer protection laws.

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 2018-05-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a used car from a dealership on XX/XX/XXXX. They financed me through Wells Fargo with high interest rate ( 13.99 % ). My credit score was good, in the XXXX. Dealer talked me into buying gap insurance ( {$800.00} ). I felt pressured and gave into the deal. Few weeks after I realized that I dont need no gap insurance. I went back to the dealership on XX/XX/XXXX to cancel the gap insurance. According to the dealership, they had sent a refund check to Wells Fargo in the amount $ 700+. Weeks have gone by with no noticed or anything from Wells Fargo. So, I called Wells Fargo on XX/XX/XXXX to check on the status of the gap insurance cancellation. They told me that my gap insurance is still active. I called the dealership where I purchased the car and told them what was going on. They emailed me a copy of the amount they sent to Wells Fargo. So, I waited for a few more weeks for Wells Fargo to send me something in the mail regarding gap insurance cancellation. NOTHING! I went into one of their local branches ( XX/XX/ ) to see if anyone can help me shed some lights on the matter. Luckily I got the branch manager helped me with the situation. He called and talked to the auto loan dept and learned that they had already received the refund check of gap insurance cancellation from the dealership. Furthermore, they will process and issue a refund of the due amount to me in 7-10 days from the day of the phone call. 7-10 days came and gone. Still waiting ... NOTHING! I received a phone call from XXXX ( XXXX, ext XXXX ) from the office of the president. That was what they called it. He said that hell look into it and call me back. About one week has passed since I spoke with XXXX. He didnt call back. So, I called him back but they said he was not avail to take my call. About a week later XXXX called me back ( Tuesday XXXX ) and stated that its typically takes about 45-60days for them to process a refund. However, he was able to get hem to speed up the process and that I will receive my refund on Thursday of that week. Thursday came and gone. NOTHING again. Still waiting ... 
Second issue with this loan. 
I made the first payment of $ 500+ then refinanced with a more reputable establishment. However, the amount refinanced was more than what I paid for the car originally. There was no extra fees charged during refinancing. Wells Fargo couldnt tell me where that first payment went. Theres nothing transparent about this car loan with this bank. Im so tired of the run around they gave me. I need help to get to the bottom of this case PLEASE.

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 2018-07-24
Company: AMA Advisors, LLC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My request for a loan modification begin XX/XX/XXXX thru present date XX/XX/XXXX, over a year pending final loan modification payment. With me on multiple occasions, submitting, resubmitting, consistently completed required requested documents to Home Bridge Financial Services and with a successfully completed trial payments of {$1600.00}, from XX/XX/XXXX thru XX/XX/XXXX. 

I called Home Bridge Loss Mitigation Department XX/XX/XXXX, regarding a major concern with my modification/trial payments of {$1600.00} as to why such an outlandish monthly amount. With all requested hourly pay check stubs submitted and confirm receipt from the company to review. I was directed to speak with Mr. XXXX XXXX ( Underwriting ) to address my concern. 

XX/XX/XXXX I had the opportunity to speak with Mr. XXXX on a recorded line regarding the calculations of my successfully paid trial payments {$1600.00} and addressing the outlandish amount of final modification payments of {$1600.00} and an increased interest rate. Mr. XXXX stated let me take a look at your package we received. He noticed and stated that my check stubs reflect 2-months of high overtime hours 50+/70+, my response yes that would be XX/XX/XXXX & XX/XX/XXXX peek mandatory months, with co-workers on vacation or out and due to annual year-end closing of company books. XXXX XXXX, acknowledge that he saw/see the error that the overtime was calculated as 12 months as oppose to the 2 months based on pay by the hour as reflected on check stubs and said that HUD cause the error. Im not by any means interested in finger pointing, my FOCUS/DESIRE is maintaining my home with a correct recalculated lower monthly payment and interest rate until paid in full for my children & me. 

I've provided the complete re-modification package more than once and all information required was provided within the allotted time frame. The mortgage company should honor the fact that they made the error and correct it based on the dates and information they've ALREADY Consistently and Variously received. Their negligent behavior has taken a toll on not only me but my family and I'm now being told we may soon have to vacate our home, leaving us destitute and homeless if i don't come up with $ XXXX per their letter they mailed me received XX/XX/XXXX and XX/XX/XXXX for {$9600.00} that their attorney letter stating i need to pay to avoid foreclosure. This within itself shows error and conflict of information within the Mortgage company and information they're providing to their attorney 's office. This is Mentally stressful and a depressing state of mind to be in with a desire to keep my home. 

To keep my home i did re-submit the package via ( email, certified mail to Home bridge ) that Mr XXXX XXXX Underwriting department advise his colleague to send me via email Ms. XXXX XXXX Loss Mitigation department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
I have been trying to reach Capital One regarding unauthorized charges and their status. 
I would like to get a refund check for the credit balance on the account and close my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account with XXXX. I am a customer in XXXX. Had no problem until last Thursday XXXX XXXX where out of nowhere they stopped me accessing my account! No call, no email nothing. This of course has left me with a lot of stress and problems. They have my money in that account and I have no other funds! I have called and sent lots of messages to be told on every occasion the same thing.to be patient and wait to be contacted! This is easier said than done when you are a XXXX lady with no access to any money to live off. They have also stopped my scheduled bills which has caused me problems with the companies concerned. I have begged and pleaded with this company to ask them to call me so what ever the issue is can be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: WELLS FARGO & COMPANY
State: VA
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:
Wells Fargo is incorrectly reporting my student loans to all major credit bureaus. I've had a Student loan with them since XXXX. In XXXX of XX/XX/XXXXWells Fargo transferred ownership of the loan to XXXX. However, Wells Fargo has incorrectly reported that my account is " Closed '' " Not in good standing ''. 

I have not missed a payment since XX/XX/XXXXwith Wells Fargo and am being negatively impacted. My 10 year student loan history is inaccurately being reported as 2 months. XXXX has reported the payments i've made over the last 3 months, but do not include any indication that the loan is an existing one prior to XXXX of XXXX. 

I have contacted : XXXX, XXXX  and XXXX  in order to have this updated and the derogatory remark of " Consumer Disputes After Resolution '' removed from my credit history. In addition, Wells Fargo has not clearly reported account updates to all 4 major credit bureaus.

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 2019-03-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Back in XX/XX/2018 I disputed this account with WFDS of {$8200.00} and XXXX. XXXX   told me that they have validated the debt and the debt is valid. I challenged that because I never received substantial information such as an original signed consumer contract from XXXX/XXXX  or XXXX or even WFDS during this time period. I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. 

I requested this information from WFDS as per FCRA and FDCPA regulations I requested the following, which were never done and sent to me. 
1. Copies of the written notice you provided to all lienholders by first class mail of your intent to file for a repo title and 2. A copy of California form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lienholder The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle.WFDS was unsuccessful in providing me with this information after my request on XX/XX/2018. WFDS was unable to provide the required proof within 15 days of receipt of the letter I sent on XX/XX/2018, the alleged claim of deficiency will be considered null and void since WFDS failed to comply with the proper consumer protection laws.

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 2023-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Bank of America continues increasing our payment which does not match our mortgage agreement. I attempt to speak with a rep who stated they can do what they want to do. I requested to speak with a supervisor but he refused and began raising his voice. 

Out of retaliation, the company added late fees to our loan. Late fees have not been on our statements since we file for bankruptcy in XXXX. Also, there is not XX/XX/XXXX statement on our account to review.

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