BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: TN
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:
ON XX/XX/2022, Sent a letter to XXXX, Equifax, and XXXX, XXXX informing them the information they are report to my consumer report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX 2017 it was announced that XXXX XXXX XXXX  were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Not only did they wait over a month to relay this information because the hack was in XXXX they are not offering sufficient protection for the leak. They are offering 1 year of a credit protection service that after the year they will start billing you for without notice. In addition they charge if you would like to place a freeze on your credit. Other credit reporting sites are also making it harder to freeze your accounts by trying to sell you credit monitoring when you go to their sites to freeze your accounts.

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 2020-07-24
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 at XXXX XXXX  I went to the ATM machine to withdraw {$200.00} to pay my bill in the machine did not dispense my money I talk to the Store guy he tried to call and couldnt get through but had me come home and call my financial my card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: TX
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 and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page 4 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX  have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX and XX/XX/2019 this debt was disputed through XXXX, XXXX, and XXXX. The company was also mailed a written letter asking to vaildate the debt with proper documentation and proof. Instead, the company continue to report the debt as unpaid to the credit bureaus. I received a credit card statement from this company in XX/XX/2019 which does not constitute as proper documentation that I owe this debt. The company has failed to provide me accurate proof. Instead I was sent some bogus charges on a piece of paper that was not accurate. I will continue to dispute this debt until the company can provide me the proper documentation required by law. They continue to report this debt to my reports causing serious damage without attempting to collect this debt in writing or by phone prior to reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In late XXXX, I began the process of refinancing my home loan with Mr. Cooper ( my current loan is also with them, as I was hoping for a more streamlined process since I was already a customer ). 

After Mr. Cooper drug their feet about getting the process complete, we finally make it to closing day on XX/XX/XXXX. Mind you I had had little to no contact with my " Loan Processor '' at Mr. Cooper regarding any issues, updates, etc. at this point in time. For some unknown reason, the closing is canceled and I only find out through the notary who was set to come witness the signing. Mr. Cooper DID NOT contact me and advise me of the change, and only after several phone calls did I finally receive an answer from them. Something about some paperwork issue. 

The signing was rescheduled for the following day, XX/XX/XXXX. After the closing I was told by Mr. Cooper ( only after me attempting to establish contact first, and after several tries ) that the funds were to be dispersed to pay off the old loan by XX/XX/XXXX or XX/XX/XXXX. Both days went by and I had zero contact from my " Loan Processor ''. 

After 6 phone calls placed from me on XX/XX/XXXX and XX/XX/XXXX to my " Loan Processor '' and also to her supervisor, then her supervisor 's supervisor, I finally got someone to talk to me. Apparently a single date was incorrect so the signing had to be done again. I was also being charged late fees for my current loan, and was being contacted by the automated calling system of Mr. Cooper to make a payment. 

My " Loan Processor '' said on a recorded line that I will not need to make a payment for XXXX or XXXX on my current loan, but also stated that she would refuse to produce any document that stated I was not responsible for the late fees accrued due to Mr. Cooper 's mistake with the paperwork. 

The closing was once again moved, to XX/XX/XXXX in XXXX via a mobile notary. The paperwork was signed, and I was assessed a fee of about {$75.00} that was not disclosed ( it was listed in the disclosures but was not labeled as to what it was, just an errant extra charge ), and I tried to contact Mr. Cooper about why there was this fee, and they have refused to return my phone calls or emails since XX/XX/XXXX. I was told by my " Loan Processor '' that I was to receive some sort of lender credit and as such would not be paying anything out of pocket on closing day. Funds dispersment date was supposed to be XX/XX/XXXX but I have had no contact with Mr. Cooper regarding the matter. 

I did not get the late fees removed from my current loan my " Loan Processor '', and I have attempted to contact my " Loan Processor '' but she is out of the office until XX/XX/XXXX according to her autoreply email. 

I would like to know why Mr. Cooper has essentially refused to communicate with a current customer, lied about charges, not properly disclosed reason for charges, and what they are doing to improve and resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2018, I was notified of a fraud alert on my Visa card issued by Capital One. The card was subsequently cancelled and a new one issued by the card issuer. When I received the new care, on XX/XX/2018, I went to go update the new card number with a number of merchants that I do business with that have my card stored as an auto pay. 

At this time I discovered the existence of something called " Visa Account Updater '' which is a program by which the updated number is transmitted to some merchants who have signed various agreements with Visa. As a person who is deeply concerned with data security and protection, this program disturbs me and I want to opt out of it. 

Capital One informed me that it was the responsibility of Visa. Visa informed me that the only way to opt out of it was through Capital One. I went round and round back and forth with them, until I was able to get a Capital One agent to call Visa with me. And then the Visa account rep said they would connect us to the person who was responsible for processing the opt-out, and ... connected us to the Capital One general services line! 

I did additional research and found that there are many card issuers who DO process Opt-Outs from the Visa Account Update program. But Capital One does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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 status incorrect

Complaint:
I had a salary overpayment that was due when I left service at Internal Revenue Service. I never received documentation of the amounts owed but my refunds have been offset yearly since I left service in 2016. I have made several inquiries to the XXXX XXXX XXXX to get an accurate statement of any amounts owed and a breakdown of all funds that have been applied. I have tried to get this detail since as recently as a few weeks ago. I have recently seen this account come back on my credit report stating that the account is open and a balance of XXXX. The account is not an open account and was charged off back in 2016. The account should reflect a XXXX balance charge off. The historical data needs to be updated.

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 2019-02-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
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 a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : ONEMAIN XXXX XXXX XXXX XXXX, IN XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX 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 an account without my written instructions.

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 2021-08-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint about harassing phone calls, bullying, calls at night and the attitude of the representatives who have contacted me when I've been close to the end of my forbearance period. I AM NOT IN DEFAULT AND HAVE NEVER EVEN ONCE DEFAULTED ON A LOAN PAYMENT. I filed a complaint about the harassing phone calls and apparently YOU, CFB, closed the complaint upon receiving WFargo 's response stating it had no record of my mortgage. Here is what ACTUALLY happened : 1. Wells Fargo send a letter to me stating it knew of the complaint. It sent to my mailing address and instead of taking the time to actually see that my mailing address is AND HAS ALWAYS BEEN different than my resident and property address, it simply pretended that it did not know this therefore affording them the excuse of 'gosh golly gee ... we have no record of a mortgage holder at <insert mailing address> ... '' 2. Wells Fargo provided a FAX # to which I was invited to send a response clarifying the property address. HOW CONVENIENT that said fax # failed to answer all weekend AND DURING STATED BUSINESS HOURS. The phone number of the individual listed in the letter ( along with the claimed hours of business ) also went unanswered. 

Reminder : Wells Fargo has a HISTORY of abusive and harassing behavior towards customers. Those of us who lived through several housing crises and have been on the planet for longer than 25 years remember it well. This is a tactic used to offset and justify its unacceptable behavior. 

FACT REMAINS that I have not defaulted EVER on my mortgage loan and am in forbearance and have adhered to every single term of the contract therefore the badgering, bullying, harassing phone calls and attitude of WF callers is completely unreasonable ... and frankly, would be unreasonable and uncalled for even were I in default. 

Lastly, NOBODY gets to dictate and name my 'feelings ' so please do not start with me on how my 'feelings ' are incorrect. Calling me on a Friday night to badger me about a payment not yet due or calling me on the weekend for such ( especially Saturday mornings during the hour when people of my faith are in prayer ) is absolutely unacceptable and are examples of harassment. 

Failing to provide an actual way to respond to the letters stating 'we have no evidence of such a mortgage holder ' is NOT A REASON TO CLOSE THIS CASE. This is deflection and frankly, straight up lying. 

I did my part in attempting to respond to their letters. They cleverly made response impossible by simply refusing to accept faxes via the fax # they provide for doing so and they very cleverly fail to pick up the phone during the hours and days they state they are available. 

There's a reason people hate Wells Fargo and it's not just past history ; it's current history too now.

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 2019-02-21
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account to " Trident Asset Management '' ( TAM ) in the amount of {$400.00}, opened on XX/XX/2015. The debt claims to be a a XXXX account, except I had an open and active XXXX account when this was initiated. I have made several attempts to dispute the account, but TAM continues to " confirm '' the account. I have made attempts to see their information they use to " confirm '' the information, i.e. my signature on a contract, but the company does not acknowledge my request. XXXX also fails to acknowledge the account or provide information. I have ZERO KNOWLEDGE of this account and request it be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
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: Account information incorrect

Complaint:
XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau : Complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, SD XXXX Dear Sir/Madam In XX/XX/XXXX, I stopped receiving paper bills from XXXX XXXX XXXX XXXX XXXX. 
Without informing me this company changed to e-bills, and I did not know this had happened. 
Unfortunately, this product has not performed properly or legally and the service was totally inadequate. They then to my surprise and shock, they reported this to XXXX  and my score dropped by 100 points. 

I spent the next months until XXXX to try and remedy this. I made numerous ( up to 30 ) phone calls to ask what's wrong. Either the line was busy, or the wait was over 45 minutes. The operators, once I was able to get through, could not speak English properly and/or they did not understand my questions. Sometimes they even hung up on me. 

To resolve the problem, I would appreciate your help in reversing my Credit Score problem. 

I look forward to your reply and a resolution to my problem. I will wait 3 more months before seeking third-party assistance. 
Please contact me at the above address or by phone XXXX Yours truly, 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 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 submitting numerous documents and disputes, Transunion continues to report bad information. These disputes are not being looked into. They are not removing them despite the evidence submitted.

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 2019-03-16
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with WFHM, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, WFHM, XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX  with no successful resolution. XXXX  and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-02-21
Company: EQUIFAX, INC.
State: CA
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 a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
A Wells Fargo bank member stole funds from my international bank account using wire fraud and email phishing. The fraudster hacked into my email and impersonated to be someone who I was about to wire funds to as an investment. As a result I wired the funds ( {$32000.00} ) into the fraudster 's Wells Fargo account ( instead of the investment account I wanted to transfer the funds to ). 

I've filed an online FBI wire fraud report, as well as started a formal wire recall request with my originating bank ( XXXX XXXX ) but after 7 days of Wells Fargo failing to answer to my bank 's formal recall request, XXXX informed me that the recall isn't going to work. So now I'm stuck with the funds stolen and sitting in a Wells Fargo account and Wells Fargo not answering any of my requests to return the stolen funds. 

I've been trying to contact Wells Fargo for over 10 days now over email, phone, twitter and more with no success.

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 2019-06-09
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I have one account that is under a different name DEPT OF ED/XXXX i have disputed it before and it needs to be removed. 
I also have an account XXXX XXXX XXXX that I have disputed as having unauthorized charges on it but it comes back resolved but there is no way that could be as equifax does not show me any charges they have verified with signed receipts with my name on them. 
There is a fraudulent lent account XXXX , XXXX that i have disputed before and comes back verified but it is not my account. 
And there is XXXX XXXX A account that was disputed with unauthorized charges on it and equifax is not properly investigating it. and instead just says it's verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In communication with a representative of mortgage claims of Banco Popular tells me that the payments applied to my mortgage loan were for legal expenses for {$450.00} and not to credit my mortgage ( Claim XXXX XX/XX/2019 ). When they notify me that they are only {$50.00}. See Evidence.

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