BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: Experian Information Solutions Inc.
State: WA
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 began tracking my credit more proactively towards the end of 2017. When I first reviewed it there were so many errors! I actually will show proof of the binder I began keeping when starting out. Experian alone can review all dispute records as well, since I have a experian account along with retaining copies of prior disputes since. I also have copies of certified letters I had sent to creditors and the credit agency. I finally just last week got Experian to listen after almost 2 years of explaining there were fraudulent accounts on my report, multiple disputes, letters and phone conversations. I have asked for different information multiple times in regards to disputes on accuracy, account ownership and more. More recently before deciding to take the route of filing a complaint through here I disputed again through Experian. It only took a few days before they AGAIN came back with everything being updated. Nothing changed except the status. I have received no validation of any of these items and some are just corrections to balance, payments, and/or status. I am requesting for all information pertaining to what they have on file in regards to these accounts enacting my FCRA rights. If this is not done, I will be reaching out to the attorney general for the state of Washington. As a XXXX XXXX XXXX who is constantly being called to duty/training, it should not have to take multiple years to correct information across my reports just because I do not have constant means to fight their responses to get things corrected.

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 2017-12-21
Company: Dealer Funding, LLC
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:
Ive tried to contact XXXX XXXX XXXX ( formally dealer funding ) and they 've denied my request. To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payments was reported on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for my account [ loan account number XXXX ]. 

During that time, my mother fell XXXX XXXX and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her healthcare expenses. I fell on very rough times after she XXXX XXXX and was unable to make my car loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. Then i was hospitalized for a few weeks and it cause me to lose another job. 

I 'm not proud of this black marks on my record, its 5 of them, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score. rebuilding my future. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 

Thank You.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-18
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX called my spouse on XX/XX/XXXX about my Walmart Credit Card debt. He disclosed how much I owed and this person is not an authorized person on my account. I feel this is illegal and my information should not be shared. 

The numbet he called from 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 2019-09-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sold our home on XX/XX/XXXX. Received letter stating our escrow check would be refunded within 30 days. After not receiving check we called on XX/XX/2019. They said check had been sent out! We said we had not received check.They canceled check. On XX/XX/XXXX we received a checked dated XX/XX/XXXX with a USPS canceled envelope date of XX/XX/XXXX. We cashed the check since we believed that the check was in good order and since it was postmarked XX/XX/XXXX. Check then bounced. Called company they said that sent check on XX/XX/2019. As of XX/XX/2019 we have not received a check for our escrow balance and we have incured stop payment fees of {$10.00}. This Servicer Select Portfolio Servicing Inc. has been using our money and not refunded our escrow funds in a timely manner with in the 30 days. It has now been almost 60 days and we still have not received our escrow funds which is in excess of {$4700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I lost my purse and someone stole my bank card, license and XXXX. I called to report this to Wells Fargo that someone went to XXXX and used my debt card. My debt card has XXXX missing and I absolutely need it back. When I called they told me that I cant get my money back because no one used my card since it been stolen and that if they stole it, they would try to use it again. I advise them I went to the gas station and am I not sure where my purse is at. They continue to say its conflicting but I dont no money at all its fraud. Im filling this complaint because they arent trying to help. They denied my fraud claim.

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 2019-06-10
Company: ALLY FINANCIAL INC.
State: IA
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:
When purchasing a car from XXXX XXXX XXXX on XX/XX/2019, I told the finance guy helping me that I only wanted my credit ran through one lender. I was aware that I might get a better rate from somewhere else, but I only wanted it ran once and through the lender I communicated. I never signed any paperwork about running my credit through multiple lenders. XXXX XXXX XXXX ran my credit 4 times when they were not authorized to. I only authorized them to run it once and they did not have my permission to run it multiple 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 explanation
Consumer complaint received 2019-06-10
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Per your request, I closed my judgment open with you I regards to wrong debt. Debt has been paid since XXXX 2019. Now, US collections owes me an over payment of the debt. I have talked to a XXXX-something like that and his manager XXXX. I was informed that I would receive my credit balance back. This was in XXXX, it is now XXXX. I still have not received my credit balance refund. Where are my funds? I want the amount of the credit balance, how you came to that amount of the credit balance and where are my funds currently. I was informed many times I would get my credit balance funds back. Where are they? This is now the third month with no call from anyone from the company about my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
West lake purchase the debt from US Auto after I wrote US auto and ask to recsind the contract, they stated that they did not resind contracts, US Auto sold me a fradulant contract, then went out of business, West lake have not provided me with the full contract or my wet signature.They stole my vehichle breeched my pprivacy and has gotten me denied credit because of the latepayments on my credit score, defermation of character, I plan to seek legal actions, The disturbs the peace in my neighborhood by sending a tow truck, They will not give me back my personal beloninings in the car. I disputed the amount owed and they have not marked it on my credit report that it has been disputed and I have proof that I disputed this information and its not marked on my credit report, I'm requesting 1,000 for all my damages that they have caused me .They also have not notified me or sent any warnings about late payments or car been repo, They have threaten me, called me on my job and harrassed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I tried using Experian upload on their designated website to upload my documentation and they're website isn't allowing me. Ive been denied for credit due to Experian negligence and inaccurate reporting of my personal information. They haven't rectified my affairs and are willfully non complaint when im sending them documentation certified mail.

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 2023-09-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 there were XXXX small debits on my bank account that I didnt authorize. The total was for {$490.00}. I called Wells Fargo immediately and started a fraud claim and froze my debit card. They sent me a letter today saying they were authorized debits in which the card was physically used or a digital wallet. It was not and this is prototypical fraud at work. Making small debits over and over till card gets declined. I didnt make XXXX charges to a XXXX in XXXX XXXX while I live in XXXX. Ive XXXX the place and searched for any record concerning this company and cant find any information.

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 2019-06-10
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX TD BANK Acct # XXXX {$100.00} Reversal charge I am in the middle of changing banks from TD XXXX XXXX  to XXXX in XXXX XXXXXXXX  I set up a transfer of money from TD checking account {$630.00} over to XXXX Acct # XXXX The transfer went fine, over to XXXX A couple of days later, The money at XXXX was transferred back to TD Bank without my permission or knowledge TD charged me {$100.00} reversal fee I went to speak with both banks in person and no one can help me with anything They are pointing fingers at each other So far, out of the {$790.00} Social Sec XXXX Child check I have been charged {$100.00} twice in fees from TD Bank See prior complaint Thank You, Please help We need my sons check to live

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2020-12-09
Company: FISERV INC.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRS sent 9 separate letters ( all received on the same day ) requiring me to pay 5 different debts incurred by bounced check or bank transfers to XXXX. They would only accept cashier 's checks or money orders. They were difficult to contact and wouldn't dispute anything over the phone and repeatedly tried to get my bank account, drivers license, and social security numbers " in order for anything to go through ''. XXXX has no record of these charges in their system under my account and I have no bank account attached to my XXXX account and have never paid for anything via check. TRS also listed the debts under my maiden name, which has been updated in XXXX 's system for nearly two years.

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 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We received a {$40000.00} check from our mortgage company on Tuesday XXXX XXXX XXXX 

We deposited the check on the same day in the afternoon with a teller at a bank branch, and we were told that the funds should be available the next day. 

We got an email that night confirming that a hold had been put on the check for the full amount because " check specific information indicates item may be returned ''. The email also confirmed that our funds would not be available until XXXX XXXX XXXX XXXX XXXX 

We called the bank the next morning, and we were told there was nothing they could do. We asked to speak to a supervisor, and asked if we could at least have access to some of the funds, and after a long hold, he told us there is nothing he could do. 

The hold seems excessive, and the bank tellers should be instructed to give more details about the possible hold.

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 2023-04-30
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Credit Bureaus : I am requesting four inquiries are removed from my credit report : # 1 XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 2 XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 3 XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 4 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX I am requesting my credit history with XXXX XXXX is updated on all bureaus. I am requesting a rapid rescore as my scores have been low for the past XXXX years. 

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 2017-12-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After three attempts to provide me with a bed mattress that worked for me, XXXX XXXX agreed to issue a full refund for the purchases to the lending agency they offered to me. 

I have been going around for several months between XXXXXXXX XXXX anXXXX XXXX  XXXX about an unresolved credit refund issue. 

XXXX XXXX says they issued it, XXXX XXXX says they never received it. 

I get nowhere with either company and can not find anyone who can help me get the two communicating to resolve the issue. 

I am receiving threatening letters from XXXX XXXX now about being turned over to a debt collection agency for a balance that XXXX XXXX says I do not owe. 

I have never had even a blemish on my credit history before dealing with these two companies and I want some resolution.

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 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion presently has three of my student loans listed in bankruptcy, which is incorrect. I have contacted Transunion regarding the issue. They stated they verified the information with the creditor. I have verification documents from XXXX verifying that my loans are listed in deferment and not bankruptcy. The following three loan accounts are listed in Chapter XXXX Bankruptcy : 1.  XXXX XX/XX/2017 2. XXXX XX/XX/2017 3. XXXX XX/XX/2017 The loans are listed incorrectly and should be immediately updated to deferred. Listing these accounts incorrectly has decreased my credit score by 60 points.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian has been reporting and sharing invalid personal information, addresses, telephone numbers, employers as well as accounts and inquiries that are unknown or no longer open! My personal information has been shared to other telephone numbers and I have no idea how the numbers were even found.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18
Company: DISCOVER BANK
State: NY
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:
Equifax has been non-compliant with removing the unverified account DISCOVER BANK Date opened XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
XX/XX/2019 I sold my primary residence in XXXX XXXX, FL. The amount received from the sale was deposited in my HSBC checking account XX/XX/ 2019 I went to the HSBC Bank located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX to initiate a wire transfer of USD {$100000.00} The wire transfer was initiated from a US dollar account at HSBC Bank to a US dollar account at XXXX XXXX in XXXX XXXX REFERENCE XXXX XXXX BUY REAL ESTATE IN XXXX FROM PROCEEDS OF A SALE OF REALESTATE IN US XXXX XXXX 2019 I was informed by XXXX XXXX XXXX that only USD {$94000.00} was received I sent by wire transfer USD {$100000.00} on XXXX XXXX 2019. I received USD {$94000.00} on XXXX XXXX 2019 The amount of USD {$5600.00} is missing I have called HSBC Bank at least 8 times over a 3 week period The following is my call log and a summary of events XXXX XXXX 2019 I called HSBC Bank. Talked to customer service, XXXX who opened investigation reference number XXXX XX/XX/2019 I called HSBC Bank. Talked to customer service Hani. Hani did not find any notes or reference enter by the XXXX, therefore we started a new investigation XXXX XXXX 2019 I called HSBC Bank. Talked to customer service XXXX  XXXX. XXXX could not find any logs, previous references or anything related to my issue XXXX XXXX 2019 I tried to escalate the case and talked to XXXX the Floor Manager. The Floor Manager called Wire Room Team. XXXX suggested to wait for the Wire Room Team to respond. 

XXXX XXXX 2019 I called HSBC Bank. Talked to XXXX, Floor Manager. XXXX called the Wire department and also suggested to wait. 
Also on XX/XX/XXXX XXXX  Manager created a new complain number XXXX XXXX XXXX 2019 I called HSBC Bank. Talked to XXXX manager of customer department. XXXX created a new case number XXXX. 
The case was submitted to the wire room department. 

XX/XX/ 2019 I called HSBC Bank. Talked to customer service XXXX XXXX XXXX could not find any logs, previous references or anything related to my issue. 

XXXX XXXX 2019 I called HSBC Bank. Talked to customer service XXXX id XXXX. XXXX provided no information. I asked to talk to the floor manager. Floor manager XXXX was not available. 

The wire transfer was executed 3 weeks ago. I called HSBC Bank at least 8 times as outlined above. Sometimes I have been on the phone for over an hour with no resolution. 

Something went terrible wrong. Why HSBC Bank is providing no answers. Where is my money. As of today, the amount of USD XXXX is still missing. 
HSBC Bank consistently provided no resolution to my request.

Company response to consumer: Closed with explanation