BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-19
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I opened an account w/ experian XXXX and followed their advice and my score dipped 156 points. I keep closing the account and canceling and they keep reopening it and charging me w/out my permission. They also continue to check my account and access my records w/ out my permission

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 2018-08-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Your choices of " best describe '' does not cover my issue. I have made an application for a new HELOC with WELLS FARGO BANK where i have been a loyal customer for 40 years. When I made the application, I asked specifically for a full appraisal so that I could obtain the largest line available. They paid no attention to this request ; simply obtained a value and told me what they could do without a full appraisal. ( very much what they have been guilty of in that THEY decide what you need/want without listening ) In addition and most importantly they send me my credit score monthly which last month was XXXX yet the score they use when THEY want to lend me money is XXXX - five points below the score that gives me the best rate! Why do they TELL me that I am an excellent credit risk and that I have the BEST score - UNTIL they want to loan me money and charge me a higher rate! I'm sure there is some fine print somewhere that exonerates them from this practice, but as a consumer when you send me my score and then use another score to charge me a higher rate it seems " bait and switch '' tactics! I don't need this line. I have plenty of assets and I will be moving my relationships and tell everyone about this! I felt this agency should know - little has changes with WELLS FARGO! My banker did the best she could against the big bank that calls the shots!

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 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent Tranunion a certified letter dated XX/XX/XXXX about an account with XXXX XXXX. I received notice stating that it was verified as accurate. 

I sent another letter dated XX/XX/XXXX requesting their method of verification, however, I did not receive their method of verification, but continue to report the account on my report. They also had 15 days to provide me with their method of verification. 

I contacted XXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX, spoke to a Representative named XXXX, and he stated that he could not find any account after I provided him with my social security number, my date of birth, and my address.

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 2021-06-09
Company: Santander Consumer USA Holdings 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: Old information reappears or never goes away

Complaint:
In XXXX of XXXX I received communication regarding a settlement with the Creditor ( Santander ) that stated between XX/XX/XXXX and XX/XX/XXXX the company violated consumer protection laws by making auto loans accessible to borrowers who were likely to default on those loans and due to this settlement Santander is required to forgive the remaining balance on my loan and also required for the loan to be removed from my credit reports. I have sent in multiple communications with little to no response from the company. They previously advised this should be removed but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In XX/XX/2018, I contacted XXXX in regard to my student loans they service. My complaint was that the amounts that I am being billed for are not the amounts that were sent to the University I attended. The amounts that I am being billed for are higher than the amounts that I borrowed. Because the amounts are higher, I am paying more interest on these incorrect amounts. I mailed XXXX a certified letter to look into this problem and correct the inaccuracies. I received a letter back explaining how XXXX calculates interest. They also sent a copy of my promissory note. They did not research or correct my complaint. I then sent three more certified letters XX/XX/, XX/XX/, andXX/XX/XXXX asking for them to research and correct the errors. Again, each time they responded with a letter explaining how the interest is calculated. I have attached a ledger from each institution I attended and how much my student loan was for. I have also attached the ledger of what XXXX is billing me for. On each disbursement that XXXX is billing me for, the amount is more than what was borrowed. I have also attached the certified tracking numbers from the United States Postal Service showing where XXXX received my correspondence. XXXX also is billing me different fees that I never agreed upon paying. I requested the contract that indicated I would be responsible for these fees and XXXX has yet to provide the contract and the notification that these fees would be charged. Another issue that I have with Navient is that they have no record of my loan history from XX/XX/XXXX-XX/XX/XXXX but I am being billed for these years. XXXX has violated both the Fair Credit Reporting Act by reporting inaccurate information to the three credit bureaus ; they have also violated the Fair Debt Collection Practices Act by seeking collection of an unjustified amount and by not providing validation of the debt in the amounts they claim is owed.

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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2021-09-19
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
During Covid which started XX/XX/2020 I signed up for forbearance and was accepted and than 3 months later in XXXX I had to reapply and thats weee the trouble began because than they needed all this proof that my mother passed away and left everything to me her only child, and they just really gave me a hard time, I have Mr. Cooper for my mortgage company, it took them probably around 2 months to finally extend my forbearance and during that time I was getting phone calls everyday from Mr , Cooper about needed to make a payment, and now that I try once again to extend my forbearance or either to do a loan modification its an issue again, I really feel as they just want to take my home from me because they will not help me with anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Early Warning Services, LLC
State: PA
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: Old information reappears or never goes away

Complaint:
On XX/XX/22 I opened a bank account with XXXX XXXX. On the same day I used Zelle to transfer {$1000.00} from my personal checking with XXXX XXXX to the XXXX XXXX account. From XX/XX/22 to XX/XX/22 my account was barely used for little things like paying for my mobile game transactions, XXXX subscriptions, and XXXX XXXX to enjoy some cash back rewards as advertised for this bank account. On XXXX something happened between XXXX XXXX and Zelle where they struck a new user agreement which flagged numerous accounts as being Fraudulent. This effectively put a freeze on my ability to use Zelle with my primary phone number and email address. After waiting a month hoping this issue would resolve itself I proceeded to close my XXXX XXXX account on XX/XX/22 thinking this would fix the problem. 

The problem still persisted, so I contacted XXXX XXXX and had them remove my phone number from the closed account on XX/XX/22 as advised by a Zelle customer service representative. Early Warning Services LLC known as Zelle still refused to release the freeze on my phone number even after being contacted in a conference call on XX/XX/22 with a XXXX XXXX account telling them my phone number was released and in good standing within XXXX XXXX  system. That same date my closed bank account was unenrolled with Zelle and they sent a confirmation email to Early Warning Services LLC.

My last contact with Early Warning Services LLC known as Zelle was on XX/XX/22 escalating the phone call to a second supervisor in hopes this matter could be resolved because I should not be bound by this XXXX user service agreement after being unenrolled with a closed XXXX XXXX account. They told me there was nothing they could do that my account is flagged as fraudulent in their systems. This means that Early Warning Services LLC known as Zelle has improperly reported information in their system and refuses to correct it. So now I am writing here to hopefully get this matter resolved formally for myself and many others who are in this situation due to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Once again shellpoint has not taken a payment and is charging fees for their failures. We had no say in our loan being sold to such a shady company, we paid over XXXX in two months to these people who claimed they didn't receive payments. We sent in the final cashiers check to catch up payments on XX/XX/XXXX, the same date we sent in the automatic withdrawal payment forms for our payments to start coming out of our checking account on the XXXX. The cashiers check cleared the bank on the XXXX, meaning they received it several days prior. They still have not taken the payment for XXXX, expecting us to pay their late fees, ect which they then make more than what is authorized or reasonable expected to pay, so your payment is reported as late and they can then charge more fees. We had never had one issue with our mortgage prior to our loan being sold to a company like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Kikoff Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital One has illegal, in effect seized my assets ( over XXXX worth ) and barred me from accessing my money in three different accounts ; primary 360 checking, ( {$1000.00} as of XX/XX/2019, under account Number XXXX ) Barred me from accessing my money : Primary 360 Money Market ( {$40000.00} as of XX/XX/2019, under account Number XXXX ) Barred me from accessing my money : 1 Year CD ( {$10000.00} as of XX/XX/2019, under account Number XXXX ) I have hired an attorney to sue this entity for fraud, illegal seizure of assets, and contacted the FDIC to file a complaint for the same as above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was trying to buy a puppy and used zelle to send the money to the person Zelle got the money by bank confirmed it. I later found out the whole thing was a scam but my bank XXXX XXXX said they couldnt do anything because zelle has the money so I called zelle so that I can cancel and get my money back but they said the scammer already has the money and theres nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
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: Account information incorrect

Complaint:
I 've disputed a XXXX XXXX account with XXXX and Experian multiple times without any results except that they keep verifying that the inaccurate information is correct. I opened a XXXX XXXX XXXX Account with XXXX XXXX XXXX. This account was charged off ; however, XXXX XXXX purchased XXXX XXXX XXXX XXXX. This change occurred back in 2012 ; however, XXXX continues to list XXXX XXXX XXXX XXXX as the original creditor. Once XXXX XXXX took over the accounts all accounts were closed and listed as XXXX account. This account was listed as XXXX when charged off and this is how it should be properly listed on my account. I have disputed this with XXXX XXXX and XXXX and Experian. XXXX and Experian continues to verify inaccurate information. I would like to see how this information is being validated for a company that did not charge off this account.

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 2019-10-05
Company: WELLS FARGO & COMPANY
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:
There are three derogatory statements on my credit report. I am not sure who or why these derogatory statements were made. the identified company is identified as WF EFS. This may have been a school loan through Wells Fargo. This is may be from a loan my daughter had taken out and I served as a co signer. To best of my understanding my daughter had set up regular payments through her bank. As she lives outside of the United States, her payments went through several banks and eventually through her US bank  ( XXXX XXXX XXXX ) Again to my understanding there was a change in way Wells Fargo processed payments and or collected, Neither me or my daughter were notified that the payments were not being processed until after three months had not been processed at which point they attacked my credit report. Which how I found out about the problem. There was no prior notice The money was in the accounts and available for payment. When I found out about the payments not going through we contacted the banks and made the necessary corrections. I attempted to contact Wells Fargo regarding a resolution, it was like talking to a wall, and got nowhere with the Wells Fargo From that point forward all payments have been made on time through an automated payment process. And the loans have been completely repaid. 
I see that what I believe are these derogatory comments still on my credit 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 explanation
Consumer complaint received 2018-03-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Three disputes were submitted to Experian and before they could even re-investigate the disputes that have been disputed before, they come back within an hour and said the information on these particular items are accurate and up to date. NO IT ISN'T!!! The two companies in particular, XXXX XXXX XXXX XXXX and a regular XXXX XXXX are lying on the credit report. When this company was contacted, they couldn't give me any information on these accounts but for some reason, they are giving false information to Experian as well as XXXX and XXXX. This is pure fraud XXXX XXXX is committing and Experian rushed to judgment and is deciding to believe the company instead of really digging into the information. According to an attorney that I spoke to, XXXX XXXX XXXX XXXX and the regular XXXX XXXX account should be removed once and for all. These three credit bureaus have until the end of XXXX, 2018 to get these particular items removed or I will have this particular attorney contact them.

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 2022-12-16
Company: JPMORGAN CHASE & CO.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, My name is XXXX XXXX. I am reaching out to you because of my auto loan account that has now been an issue for over a month. 

I paid my car payment in the amount of {$540.00} on XX/XX/2022, and it was posted to my bank account on XX/XX/2022. It shows that the payment was reversed in Chase bank system on XX/XX/XXXX for reasons unknown. It was not refunded to my bank account and is now showing that I am late on my payment. I have attempted to speak with the customer service team multiple times and I have been given the runaround way too many times. I have sent them copies of my bank account. My bank has sent them copies of my account showing that it was never refunded to my account. We were told on XX/XX/XXXX that this should have been taken care of and it is still not. 

I'm hoping that by reaching out to you this could be resolved quickly. I've never been late or missed a payment and don't want this to effect my credit. I can't afford to make double payment if that is what is needed. It is the holiday season and my family is struggling enough as it is. 

I appreciate your time and assistance with this matter. Please reach out to me if you have any questions or need additional information. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am who i say i am a person and a consumer. XXXX XXXX himself and not a third party. After challenging the consumer reporting agencies regarding a few unauthorized inquires my concerns were not handled. i filled a few identify theft reports to assist with these unauthorized inquires.

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