BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: DC
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 AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. I AM A CONSUMER AS IDENTIFIED IN FDCPA 15 USC 1692A ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). YOU, XXXX ARE IN VIOLATION 15 USC 1681i ( 7 ) and 15 USC 1681i ( 6 ), FAILURE TO PROVIDE NOTICE AND RESULTS OF REINVESTIGATION PROCEDURES. PLEASE RESPOND IN 15 DAYS TO INFORMATION PROVIDED IN ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: UT
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:
Items in good standing keep falling off my credit report causing my credit score to drop significantly. Major financial is in good standing with {$5000.00} credit limit and XXXX  balance due

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Experian Information Solutions Inc.
State: IN
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:
ONCE AGAIN XXXX XXXX XXXX XXXX XXXX FAILDED TO PROPERLY NOTIFY MY OF EXPIRING BENEFITS, THIS WAS DO TO XXXX XXXX XXXX FAILING TO NOTIFY PROTECTION OF ADDRESS CHANGE AND AS A RESULT SUFFERED LATE PAYMENTS ON MY CREDIT REPORTS.

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 2017-11-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am filing a complaint against Wells Fargo XXXX XXXX, Wells Fargo Bank XXXX. 

They are in violation of the law. 

They have acted to file a Notice of Default through the XXXX XXXX XXXX in XXXX XXXX, with regards to a HELOC even though they are accepting monthly payments. See attached letter dated XXXX XXXX, XXXX. 

XXXX XXXX shared with me in a phone conversation that they received a referral from Wells Fargo on XXXX XXXX, XXXX with regards to the loan default. 

I have not received any official notice of default that I understand is required to be sent by registered mail. 

Wells Fargo Bank XXXX. has been accepting payments every month on the loan, and send monthly statements that record the payments and balance. 
XXXX attached statements from XXXX XXXX and XXXX XXXX as examples. 
I have been making monthly payments on the Wells Fargo XXXX and I have been working with the bank over a few years to set-up a plan payment. 
I am in receipt of a letter from Wells Fargo dated XXXX XXXX, XXXX which offers me options to keep the home. I have been calling the representative on the letter almost daily to approach a work-out solution, leaving messages, and he is not returning my calls. 


Because of the public notice, I am getting notified by various predators by mail and phone and XXXX mail on this matter. 

I have applied numerous times and have asked to amortize the loan over a fixed period and have offered an amount for settlement. This was a predatory HELOC loan that is no longer legal in the way it was sold to us. I have been asking for assistance from Wells Fargo since XXXX XXXX. We are constantly denied any assistance yet they keep accepting payments. 

I filed complaint XXXX with CFPB about their practices, and the company Wells Fargo XXXX. responded on XXXX and replied that the matter had been settled. This is a lie.

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 2017-12-28
Company: JPMORGAN CHASE & CO.
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:
I reviewed my credit score on XX/XX/XXXX. I was advised that there was a hard inquiry made on XX/XX/XXXX. I did n't authorize a credit check and this information is fraudulent. I called Chase Bank on XX/XX/XXXX and was left on hold for over 30 minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28
Company: ALLY FINANCIAL INC.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I submitted a complaint to your company in XXXX. I was working with the executive complaint department with Ally. I was given until XXXX to make a payment and my car was taken last night. They came a day early even though I was given more time to get the money together.

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 2022-03-06
Company: EQUIFAX, INC.
State: KS
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:
Back in XXXX  i was robbed at gunpoint for my car and phone. My phone had copies of my social security card and photo ID and my phone had no passcode. I believe thats how m identity was accessed in order to open these accounts because no one had access to my information other than that person, that I am aware. Upon evaluating my credit report i noticed numerous things or accounts reporting that i did not know anything about or authorize. 

Two auto loans are listed one from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  that i did not authorize. 
An account with XXXX XXXX XXXX which says its original creditor is XXXX Also lists XXXX HARD inquires XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: UT
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 explanation
Consumer complaint received 2017-11-06
Company: Telerecovery Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife was in an apartment at XXXX XXXX and i had signed for the apartment so she could have a place to stay and she apparently left the lease early and now it has affected me This was in XXXX and it is over 7 years old and i would like this removed from 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 2021-04-16
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2021 Chime suspended my spending account. They asked me to send in verification documents. I did send the requested documents. I was advised at a later date XX/XX/2021 that my account was closed and my funds were not refundable. I sent another email asking where the remaining funds would end up. I was advised if I send in proof of the funds origin I would receive a paper check. I did that but was later told in XXXX that the funds would be sent to the original sender which is the XXXX. Now I can no longer get in touch with Chime. They only send prepopulated email responses and the XXXX has not received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am currently refinancing my house. It was brought to my attention that XXXX XXXX Bank student loan on my daughter that I co signed on shows it was XXXX. The amount of the student loan was {$17000.00}. Both companies have indicated that they can not make you pay on a loan they wrote off as a loss and shows on my credit report as XXXX. So I am asking for help to see if they are allowed to make me pay on a loan they took as a loss. 

In XXXX when I was XXXX from my bankruptcy, I was contacted by Wells Fargo and told I had to pay this or they were going to lien my house. I owed the debt and was responsible for it. I asked why they did not correspond during my bankruptcy. They signed a contract is a contract and I owe it. 

I have been paying since XXXX {$170.00} a month because I wanted to build my credit scores. The title companies say it shows I am delinquent XXXX months which is effecting my XXXX XXXX. I have asked for a copy of my credit report. When I went on XXXX XXXX drop down the information on Wells Fargo it shows Closed - Current payment status - In Collections/Charge-off. 

Could I please get some help regarding this situation if they are in the wrong for doing this of discharging it and now making me pay for a loan they wrote off as a loss.

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 2019-06-24
Company: Square Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My cash app account Visa card was hacked and funds taken. Tried contacting Cash App but they don't have live customer service to speak with. It only communicates by email and the email is generic and no response or days later and again generic reply and nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: BorrowersFirst, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a personal loan on XX/X/15 for the amount of XXXX paid over 3 years. To my surprise what I thought was a 24 % interest loan turned out to be will over 46 %. I have paid into it currently {$7400.00}, and I am told I have another {$3800.00} in interest alone, another year to finish, which brings my total to {>= $1,000,000}, {$5300.00} in interest alone, I find that disheartning. I have never missed or been late and find the amount owe egregious and overbearing, especially when considering the amount of interest owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a communication from a major financial institution where I have a credit card to sign up for XXXX XXXX, a free credit monitoring service that is included with my credit account. In attempting to sign up, I was alerted that there was a freeze on my transunion online account, which I was unaware existed. After speaking with 3 representatives at the phone number provided within my credit card 's app - XXXX, the 3rd representative said that I needed to contact their online team at XXXX. He said that he could not transfer me using their internal phone ; I found this rather odd that Transunion reps would not be able to transfer calls within the company. Upon calling the 855 number, the 1st rep asked for my social security number and name, then place me on hold and dropped the call. With all of the data breaches and identity theft, this was unnerving. I called back and spoke with a woman with an accent. While it was challenging to understand her, she directed me to sign up for a complimentary account at service.transunion.com. After enrolling, it took me to a page that advised my account was locked. The rep researched further and advised that it was reported in 2016 that my SSN was used to commit fraud and that I have been blocked from any online resources and that a letter was mailed to me. This was my 1st time hearing of this. The rep advised that no one in her location could assist me and that she would resend the original letter. I requested to speak with a supervisor and was told to call back between XXXX PT. My call was at XXXX ET. After over an hour on the phone with multiple reps, I was provided no resolution and feel confident that I was calling an overseas location and providing my SSN, name, DOB, address and other identifiers. The service I received was neither professional nor provided resolution. It felt as if every rep that worked for Transunion was in a hurry to transfer me or tell me to call someone else. I requested to file a report against the false accusation that was made against me or at minimum have it researched further to see if an error was made. This was denied. All in all, a complete waste of time.

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 2021-10-17
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: Was not notified of investigation status or results

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Apparently on XXXX this company, Convergent Outsorcing, is report to the 3 credit bureaus that I owe them {$660.00} on behalf of XXXX. I never agreed to this. They are critically impacting my credit which has in returned had me denied for certain things. I have reached out to them and disputed it mutliple times, so I am now taking this extra step to get this resolved. 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 2019-06-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I came into a location other than my normal location to cash a money order drawn on Wells Fargo. I brought in the receipt from original purchase of money order and they told me they had the discretion to not cash it so they didnt. The interesting thing is I have never had this issue at my home bank in the last 8 months with much larger transactions. When speaking with the manager there was no just cause for not cashing other than prejudice or discrimination nothing solid or factual!

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 2021-10-17
Company: Experian Information Solutions Inc.
State: GA
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 submitted a method of verification to the credit reporting agencies about 3 months ago regarding inaccurate and false reporting of some accounts on my consumer report regarding bankruptcies. I wrote the court and they stated they do not report information to third party companies. These reporting agencies are stating false incorrect information and I even wrote to XXXX XXXX and they also stated they have nothing on file under my name. I demand these accounts be removed from my consumer report immediately.

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 2019-06-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Investigation did not fix error on my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08
Company: Weinman Acquisition Group
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Most recent XX/X/17 but has been occurring for months XXXX XXXX XXXX ( XXXX XXXX ) claims they are a process server to serve me papers filed with the county. They have attempted to serve me several times and will try one more time. 
They state they will be stopping by my where abouts. 
Nothing is filed in county. XXXX is public record When I called I told them they were in violation of the FDCPA and I would be filing a report they hung up on me stated I cursed, which I never did. I got yelled at saying quit playing the victim, you should n't have married a deadbeat, you just took a XXXX XXXX XXXX XXXX. 
I again stated this is past the statute of limitations ( 5 yr Oklahoma ) but proceed how you need to I will be filing a complaint he said you do n't have my permission. I stated the his permission was not needed. 

I have called them several times to try to resolve the matter and stated this is past the statue of limitations but continue to call, threaten, and harass me and my current spouse who had nothing to do nor ever did with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
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: Information belongs to someone else

Complaint:
The following account do not belong to me. I believe that this account is erroneously reporting on my credit file. Please remove the following account from my XXXX  and Experian credit file : 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 2022-03-06
Company: CMG MORTGAGE, INC
State: SD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of 2021, my family decided to look into moving to SD to be closer to family. We spoke with realtor about selling and purchasing. After speaking with a realtor within the new state we were recommended to a loan officer with CMG Financial. Our initial inquiry was if we could get approved for a home for X amount with minimum down payment for FHA loan. During phone call with assistant we were informed this would qualify so long we sold our current home as with this on our credit we would not. We immediately put our house on the market and sold the home in XXXX of 2021. We immediately paid off some additional debt to help prepare for the higher mortgage payment. The new home was to be ready in XXXX so in XXXX we signed purchase agreement and submitted it to the loan officer only to be told we would not qualify without a down payment over 20 % due to income. At this point he had pay stubs before we even sold the home and never indicated this was an issue if this was the case we would have not sold the home until income was met. Loan officer then offered a solution that if my wife were to get a job pay X amount gross he would accept an acceptance letter from the new employer to gain approval. Immediately my wife applied and received offer of employment. We then booked an XXXX in the new state and headed to the new state after arriving and notifying the story changed again that acceptance letter would not be sufficient and need 6 months income prior. Now we have a family of 4 with no permanent residence. We would not have sold our home only to be downgrading our lives and pay more for it due to rental properties pricing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief