BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to https : //XXXX, entered my information, and requested my free annual credit report from Experian. 

I got this message : " We were unable to honor your request. If you entered your credit card information, we did not charge you. 

Sending us your information To receive your personal credit report by mail, please mail us this letter ( or the information in it ), along with " ... 

Then I went to the " Contact Us '' form on the annualcreditreport.com site and tried to report the problem, but the site refused to accept my form. The error was " Tell us more is invalid. Please try again. '' but it provided no information about why the information I had entered under " Tell us more '' was invalid or how to correct it. 

The appearance to me is that Experian is trying to avoid its legal obligation to provide a free annual credit report by making it so difficult that most people will just give up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
continue my refinancing, I pay off the equity line to Wells Fargo Bank, they charge unknown amount of {$720.00}, call they why charge, they said " you are forclosure, '' I told them I pay off the Equity Line, they said that they will investigate. 
But I got a letter ( attachment ) listed for closure in 2008. 
This was muntrue, I never have forclosure. 
Please check in this, I do not owe them any money. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We were renting the mobile home which the owner offered to sell to us. We went to Wells Fargo for financing since we did all of our banking with them. My wife and I first met with XXXX XXXX in XXXX of 2015 and discussed different financing options. At this time she informed us that we needed to have the monies for the down payment, etc. to be in the bank for at least 2 months before closing. This would push things into XXXX, 2015. I signed the sales contract with the owners on XXXX XXXX, 2015 with a closing date of XXXX XXXX, 2015. For the next 4-5 weeks we had little contact with XXXX. when I called I was sent to her answering machine or when I sent e-mails it would take days for her to answer. She even sent me a response that did not pertain to me, but someone else. Finally, around the middle of XXXX, 2015, XXXX started working on our loan. At one point she mentioned that she had been working on other loans that were easier because mine was so complex. I do n't know why. Unfortunately she did not work fast enough and the closing date arrived. At first the owners seemed to be open to extending the contract, but changed their minds and cancelled the contract. They retained a real estate agent and increased the sales price by {$6000.00}. They also wanted a closing date of XXXX XXXX, 2015. Since XXXX could not perform her obligations for financing in a timely manner, having had 6+ weeks. I decided to find other financing. With a new financing company I was able to close on XXXX XXXX, 2015. The owners were willing to extend the contracts due to the holidays. 
In conclusion, I feel that due to XXXX inattention and inaction concerning my loan. it has cost me {$6000.00} increase in the sales price plus the loan I did receive was at a higher rate than what she had guaranteed.

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 2022-11-05
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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:
Credit Acceptance Account Number- XXXX I financed a XXXX XXXX XXXX from this company back in XX/XX/XXXX. This vehicle was involved in a hit and run back in XX/XX/XXXX. I purchased gap insurance. The insurance company made a payment of {$7900.00}. Gap insurance was suppose to cover the remaining of the vehicle. They requested a police report which I submitted a partial police report because the investigation was on going because the person who hit my vehicle led the police on a chase and somehow was able to flee the police. So the police report was never finish. This company closed out my gap claim and now for 2+ years have been reporting my account past due. I contacted them to see if they could reopen Gap claim to cover charges and company denied my request. This account has negatively impacted my credit score. The account remains open until today reporting 120 days past due each month which is inaccurate reporting. I am unable to purchase another car or a home because of this account. Thank you for ruining my credit after I purchase gap for this particular reason and it didnt fall through for me.

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 2016-07-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was assured from a representative at Wells Fargo Mortgage ( XXXX area ) that despite starting 10 days after the contract date they would be able to close a loan. I ordered an appraisal from them on a rush XXXX XXXX. I received it back with errors on XXXX XXXX ( 25 days later ) when I was scheduled to close on XX/XX/XXXX. I disputed the results and asked for a re-appraisal. I was told it was ordered, however, the listing agent did n't start getting contact from the new appraiser until the day I was supposed to close. Meanwhile all contingency deadlines were missed. The matter was said to be escalated but there was very little communication initiated by them and some un-returned calls to either me, my agent, or the listing agent to try and keep ahead of the situation. They were unable to deliver and in fact I was told by a regional manager 10 days before I was scheduled to close to feel free to pursue another lender to close.

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 2016-11-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo was allowing my debit card purchases to go through even with insufficient funds and then charging me a fee. Rather than declining my card at the point of purchase. I was told it was due to the service being on my account. I called Wells Fargo customer service on XXXX/XXXX/2016 to remove " overdraft service '' from my account. I was partially refunded my overdraft fees during the previous billing cycle. I was also assured my card would be declined on any further purchase attempts when insufficient funds were present. I made it very clear to representative that I was switching banks and that if any other charges hit my account to deny and not pay them. I was assured this would be taken care of. Since this conversation with Wells Fargo, they have hit my account for XXXX overdraft fees for charges they did not even pay.

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 2016-09-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XX/XX/2016 To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit intonation. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof that these items are accurate and correct. Name of Company, Person Who Verified the Information, Phone Number and Date verified 1 ) I am disputing that the information on the credit report sent was not answer XXXX XXXX. is not accurate and that I request to be provided proof that this information is accurate failing that you must remove this item from my report and send XXXX a update copy as soon possible. If this report is the cause of me not getting approve I will be seeking legal action. 
Be advised if you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek Civil action, for damages, cost, and attorney fee, should you continue report these inaccurate report. 
Under federal law, you have 30 days to complete your re-investigation, yet you have failed to answer my items high lite in the first report. Your continued delays are inexcusable. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information to be provided a complete copy of the credit report that any Company or Bank can review on completion of your re-investigation. 
Be advised if you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek Civil action, for damages, cost, and attorney fee. should you continue reporting this inaccurate report. 
Under federal law, you had 30 days to complete your investigation, yet you have failed to provide a complete credit report. Your continued delays are inexcusable.

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 2021-03-17
Company: Sequium Asset Solutions, LLC
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:
This debt is being reported in my credit report in Error. 
I had direct communication with XXXX stating that the amount of XXXX being reported was an error and was removed from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
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:
This debt is being reported in my credit report in Error. 
I had direct communication with XXXX stating that the amount of XXXX being reported was an error and was removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
When calling to find out when monthly fees occurred, since I 'll be closing my account and canceled my direct deposit, I was suggested to go to the grocery store and make XXXX separate purchases. Even if I were to do this for one month, how would I be saving? 

While trying to expedite a payment with XXXX, they needed confirmation from Wells Fargo that I had the funds for the payment. They brought Wells Fargo in on the line and customer service asked a couple questions to verify me. " What was my full social security number and my login username for online banking ''. Keep in mind there is a 3rd party rep from XXXX on the line still. She told me that she would not be able to help me if I did n't give that information up. After confirming my identity, she was about to give the XXXX rep my totals in my bank account. All he asked was " Does he have $ XXXX available in his account? '' I had to stop her and ask her to just answer his question and that he does n't need to know my totals.

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 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This debt is being reported in my credit report in Error. 
I had direct communication with XXXX stating that the amount of XXXX being reported was an error and was removed from 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 2016-11-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX collection agency, XXXX XXXX XXXX, is incorrectly reporting a {$0.00} balance collection on my credit bureau reports which is negatively affecting my credit. I 've disputed this matter with each credit bureau, but in their remarks they state that XXXX " meets FCRA requirements ''. XXXX XXXX XXXX website is broken or down so I do not have contact information to address them directly.

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 2022-11-05
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian, XXXX, and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance 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 2022-11-05
Company: JPMORGAN CHASE & CO.
State: CO
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:
In XXXX of 2022 I thought a payment was on autopay for XXXX but was wrong. I caught the error almost in time and called XXXX to pay off the full amount. At this time it had not been reported to the beuerues and the rep told me if I ended up hitting my credit to call to have it removed. I called both XXXX and XXXX and the account still indicates a 30 day late payment. This dropped my score close to XXXX points and I don't know what else to do but file a complaint here. My credit payment history is not a liability and now my report is showing multiple missed payments and that is not true. Please help me get this removed so I can continue making true progress in managing my finances well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid my balance in full to reflect on my credit report through XXXX XXXX XXXX XXXX XXXX XXXX in XXXX original creditor was XXXX XXXX Retail orignal creditor acct # XXXX, when I went to apply for a home loan the mortgage company pulled my credit and it does not show as being paid in full and still shows a monthly payment and shows as delinquet and was not deleted as promised by the creditor upon payment. Equifax has already deleted this off of my credit report and I would like to request that Experian and Transunion does the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX I wrote to Experian to dispute XXXX ' account, and asked Experian to provide me with a copy of the verifiable proof or to remove the account from my records. 

Experian responded with a form-letter dated XXXX XXXX which simply stated account " remains ''. ( Answer enclosed ) On XXXX XXXX I sent Experian another request for verifiable proof as per Federal law. 

On XXXX XXXX Experian responded with the exact same form-letter responding account " remains '', and again without any proof of debt. ( Answer enclosed ) The Credit Reporting Agency can not report a debt without any proof. They simply obtain a confirmation from the collection agency and to them that 's sufficient. I have contacted the collection agency and they do n't send any proof either, only a computer printout. 
This complaint is to advise that Experian conducted an improper investigation. Experian failed to provide me with a copy of any documentation for example, a consumer contract, an order form, an agreement, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 
Furthermore, Experian failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " ... promptly DELETE all information which can not be verified. " Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or CAN NOT BE VERIFIED. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been contacted several times by this company claiming I have a debt that is owed to them in a card that was stolen and was eventually supposedly resolved by XXXX XXXX. When I explained this to the debt collector he then proceeded to use foul language with me calling me slurs and telling me it was my debt and did not offer a solution since clearly this collection was not supposed to happen as I was promised. This is all being handled in professionally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My father passed away XX/XX/2022. He banked with BofA. All paperwork was submitted to move his money into an established trust account as it was the POD on his account. It has been weeks. There are now medical bills due. Is BofA responsible for late fees? In my book yes. His account is showing XXXX balance. What are they doing with his money? Day trading? Makes one wonder. And there are hundreds of horror stories online. This is their 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 non-monetary relief
Consumer complaint received 2016-09-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I recently applied for a mortgage loan and was approved but my terms were not favorable due to my credit report. When I pull my own report, the values are higher and positions me to have a ideal loan. Unfortunately, the information submitted to loan companies is different by nearly XXXX to XXXX points which can truly affect interest rates. I pay a service to see my FICO scores yet what is reported is much lower. How do I resolve this? 

I have attached a snap shot of what the mortgage company received and what value I received from the actual bureau in which my approved mortgage value was affected.

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