BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-26
Company: WELLS FARGO & COMPANY
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:
I am filing this complaint out of desperation and frustration with Wells Fargo Bank Home Mortgage Department and seeking your assistance to get the information to the credit agencies reported correctly. 

After a month of trying to have Wells Fargo correct their reporting information to XXXX and XXXX, I sent an email on XX/XX/2019 to their Board of Directors. To date, the matter not only has not been corrected, but the changes made are worse. 

The outstanding balance has increased, the last payment now is XXXX and no data for XXXX with no record yet for XXXX. 

Any assistance in this matter is greatly appreciated as our credit rating has dropped from over 800 to low 600 's due to Wells Fargo inability to correct this situation even though they agree we are current. 

I have attached documents from Wells Fargo showing all payments and a copy of one of the credit reports showing incorrect balance, wrong last payment and payments not made.

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 2020-05-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
i am trying to pay JP Morgan Chase back the money they are owed due to overdraft fees. My account was purged from the system so i have no clear cut about paying off this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Experian Information Solutions Inc.
State: WI
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:
My credit score went from the low XXXX 's to XXXX for now apparent reason. I tried to call all three agency and got a complete run around they tried to sell me their credit reports and wouldnt tell me why my credit dropped I told XXXX I asked them about the free credit report because of the covid situation. before they agreed to sent me one XXXX and Experian gave me a total run around.

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 2022-08-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency Can not furnish a account without my written instructions Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX  XXXX XXXX  XXXX  XXXX {$600.00} US DEPT ED XXXX {$6000.00} XXXX XXXX XXXX {$330.00} COLLECTION XXXX {$7000.00} COLLECTION XXXX {$510.00} XXXX  XXXX {$4500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2021-10-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Did not attend classes at all for that institution for XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ). Not sure why I am getting charged for classes I never took. I did attend XXXX  and got a XXXX  back in 2007 XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) but this accounts I did not attend at all. I did sign up but never attend due an unexpected hardship at the time therefore never attended classes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Diversified Consultants, Inc.
State: NJ
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 disputed the account in the amount of {$160.00} that I do not owe and I received a copy of a bill. Not a contract with my signature, social security or identification attached. Now in their letter they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4.Copy of license to collect in the state of NJ None of this was submitted so they failed to prove 100 % accurate as per fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
My credit score went from the low XXXX 's to XXXX for now apparent reason. I tried to call all three agency and got a complete run around they tried to sell me their credit reports and wouldnt tell me why my credit dropped I told transunion I asked them about the free credit report because of the covid situation. before they agreed to sent me one XXXX and XXXX gave me a total run around.

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 2020-04-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Tuesday, XX/XX/2020, I viewed my checking account because I received a notification on my phone that my account was overdrawn and it should not have been. Upon researching my account as to the reason it was overdrawn I noticed the a provisional credit was reversed and debited from my account and I was charged an overdraft fee. The previous day, Monday XX/XX/2020, I withdrew from my account {$120.00}, in two separate transactions and they cleared. Those should have been the only pending transactions in my ledger with a remaining balance of {$4.00} ( receipts attached ). Suntrust bank manipulated the order of the transactions to  warrant the overdraft fee. I cant get an overdraft fee from a withdrawal nor from a reversal of a dispute credit, they chose a transaction that had already posted to my account to make it appear the reason for the overdraft fee. I called the bank to ask them to remove the fee and I will deposit the amount of the dispute credit to get my account out of a negative balance and they refused. I called the dispute department to file a complaint against Suntrust bank for a fraudulent overdraft fee. The representative that assisted me in filing the complaint is 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 explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my 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 2020-09-25
Company: Monterey Financial Services LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was working with the resort ( XXXX XXXX XXXX XXXX XXXX to pay all my dues accordingly. I was under the impression that we were working towards a resolution. Out of nowhere, my remaining balance was sent to a collection agency. The way I found out was when Monterey Financial Services reached out about collecting a debt that was owed. The resort never informed me that they would be sending this over to collections. As mentioned before, we ( resort and self ) were working together to resolve this matter. I had reached out to the resort for help due to my hours being cut back at work and wanted to resolve things as best as possible. It is no secret by now that timeshares are a scam and this has taken a really big toll on my finances and my personal life in general. Before the resort sent my account to collections, they refunded me a {$1000.00} deposit, which I took as a sign that we were on the right track. Imagine my surprise upon receiving communications from a collection agency. As soon as I heard from Monterey, I asked them to cease all communications as it stated on the letter that it was from an Attorney ( rather than the agency itself ). There main point of reaching out was to inform me that my balance needs to be paid in full and that until then, a collection will be appearing on my credit report. This collection agency has left harassing telephone messages and has a very intimidating demeanor, which I do not appreciate. I feel as my rights have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in the process of a loan modification with PennyMac after Covid forbarance. They have sent the initial loan modification offer and the program they say it is " Veterans Administration ( VA ) Disaster Streamline Modification ''. ( You have qualified for a loan modification " Trial Plan '' under : Veterans Administration ( VA ) Disaster Streamline Modification. ) From what I saw and told them there is no program with that name. There is the VA Disaster Modification and a Streamline Modification. After about 20 minutes they still did not say what of the two programs it was but by some of the definitions they read off it seemed like a Disaster Modification. 
It seems they are being purposefully deceptive on what modification they are offerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Lending Club Corp
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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 have been a victim of identity theft for the past several months. Ever since I first noticed it I have been getting monthly credit reports so that way I can assure no new accounts are being reported to any of the credit agencies. In XX/XX/2020 I noticed this new account. I immediately notified the company by letter that I have been a victim of identity theft and provided identification as well as my Identity Theft report. I asked the company to stop reporting this fraudulent information and to investigate the account. I asked for proof of the steps they would be taking. After 30 days I did not receive any correspondence from the company. In XX/XX/2020 I got a new report and the information was still being reported. I again sent another letter to them notifying them that the account was opened fraudulently. Again I have not heard any correspondence. Since it has been 60 days since the first communication I'm asking for assistance. I have attached both packets that I sent to the company as proof, a copy of my ssn card, a copy of my driver 's license, and a copy of my current identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Seattle Service Bureau, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent a certified letter along with proof ( my passport visas and entry to country ) that I was not the person who did the charge that National Services Bureau is reporting. This is a case of stolen Identity and I have requested them to remove to no avail. 
The amount is {$2900.00} The date of the XX/XX/2016 I can send a copy of my paapsot that shows I was NOT in the US when the charge occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am filling a complaint today against Bank of America checking account division because of a recent issue I discovered and they won solve it. Neither face to face nor on the phone. Here is my issue : on XX/XX/XXXX I deposited a money order for the amount of {$200.00} that I received from my employer. Yesterday XX/XX/2018 while I was checking my transaction I realized that there is debt in my account for the amount of {$200.00} which I assume that has to do with the money order because in the details say something about an altered check and I have deposited anything else. In my little knowledge of finance, a money order translates to guaranteed funds. Today XX/XX/2018 I decided to go to a physical location to talk to a representative but I waited over an hour and nobody could take care of me they were full and there were only two reps in the branch so I left. In my way home I called Bank of America customer service but they would put me on hold for over 20 mins and at the end hung up on me. The truth is that now I am out of the money and out of the money order and no one in that organization seems to be able to get my money back. Please help.

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 2018-11-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The promotion said I would receive a {$200.00} credit on the XXXX XXXX ticket I was buying and showed the reduction in the price of that ticket. When I did not get the credit and complained to the credit card company they said the credit would be on my first statement. When that did not happen, I called again and they said the credit would be only for a future purchase.

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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the removal of incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

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 2020-04-28
Company: EQUIFAX, INC.
State: MA
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX  XXXX XXXX  XXXX  XXXX {$600.00} US DEPT ED XXXX {$6000.00} XXXX XXXX XXXX {$330.00} COLLECTION XXXX {$7000.00} COLLECTION XXXX {$510.00} XXXX XXXX {$4500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, this is a notice that I am disputing a billing error on my consumer report as a late payment from XX/XX/. I have recently contacted Citigroup , Inc. stating that my account is in billing error.

I requested for the original documented evidence and books of account pursuant to 15 USC 44, and all I did was receive a cardholder agreement. This is not full material disclosure. 

I have mailed the registered agent the attached billing error affidavit and notice of intent to lawsuit via certified mail, tracking # 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 2021-10-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act Law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXBalance {$1600.00} XXXXBalance {$410.00} XXXX XXXXBalance {$940.00} XXXXBalance {$0.00} XXXXBalance {$2000.00} XXXXBalance {$0.00} XXXXBalance {$1300.00} XXXXBalance {$0.00} XXXXBalance {$0.00} XXXXBalance {$510.00} XXXX {$640.00} XXXXBalance {$370.00} XXXXBalance {$840.00} XXXXBalance {$840.00} XXXXXXXX XXXX XXXXXXXXBalance {$640.00} XXXXBalance {$690.00} XXXXBalance {$470.00} XXXXBalance {$530.00} XXXX*-Balance {$360.00} XXXXBalance {$590.00} XXXXBalance {$460.00} XXXXBalance {$680.00} XXXXBalance {$960.00} XXXXBalance {$780.00} XXXXBalance {$1100.00} XXXX Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last XXXX XXXX, 2017, I wrote a letter to your company to request for debt validation documents to be sent to me pursuant to FDCPA. For some unknown reason, it has been more than 40 days since I sent you my request and I still have not received any lawful, valid validation documents. This is my last resort, have this issue fixed. I will not hesitate to get my legal counsel involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: Experian Information Solutions Inc.
State: DC
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:
Another account is allegedly open in my name in the same bank. After checking with the bank, I have just one account in XXXX XXXX bank. This has impacted my credit score by lowering it from XXXX to XXXX ( XXXX ) and I don't know why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a phone call in regards to a legal matter from phone number XXXX instructing me to call XXXX XXXX and XXXX with file number XXXX. Not only did I receive a call, but third parties in my family received a call/voicemail in regards to this false matter. This is a blatant breach of guidelines set forth by the FDCPA. I have since forwarded all proof of this said account that is in default to the following email address XXXX XXXX

Company response to consumer: Closed with explanation