BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am submitting this complaint in light of the account opening/sales pressure issues at Wells Fargo. These events occurred in XXXX, but i could not get answers to any of my inquires at the local branch, by calling the XXXX # or by written complaint to the corporate offices. 

I have been a corporate client of Wells since XXXX and opened a personal checking account there about 8 years ago. Online access was established on both at inception. In a letter dated XXXX XXXX, XXXX, i was informed that online banking had been established for the corporate account by an authorized signer. Within a few days, i received additional correspondence, including references to overdraft protection on a new checking account - linking it to a savings account ( neither of which i opened ) and a debit card. I immediately pursued how these accounts were opened. No one attempted to provide any answers and after hours at the branch and on the phone, i just submitted the written complaint to WF and monitored my accounts. I did not suffer any financial loss ( as far as i can tell ), but there was certainly a lot of activity occurring under my name that was not authorized.

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 2020-08-11
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX I mailed in a dispute to Experian. I'd sent a copy of my credit report along with identification requesting they re-investigate/ delete and account which had been reported by XXXX XXXX to Experian XXXX the contract for credit had been cancelled/ rescinded by the creditor when it was determined I hadn't entered into the contract and service was never provided. After several hours on the phone with the creditor they were very helpful in resolving my issue, and advised me if any negative items have been reported to the credit bureau to have them investigate through their dispute and the item will be removed due to the original contract being cancelled/rescinded and they didn't have any information. 

shortly after mailing in my dispute to Experian i received and online notice that my dispute had begin on XX/XX/XXXX and would be resolved by XXXX. a Few days later I received an email that my dispute had been completed and updated. Experian did no investigation into my written dispute. i called on XX/XX/XXXX and spoke to an Experian representative named XXXX who verified that the account was updated but no dispute had taken place. if Experian did their job and properly investigated my dispute they would have found that information was unverified and the contract was cancelled due to being fraudulently obtained. Experian didn't even honor my request to submit the dispute via online. They did nothing! The Experian Rep XXXX agreed that dispute was not handled properly and submitted one via telephone. He also provided me an updated case # 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 2020-08-11
Company: EQUIFAX, INC.
State: VA
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hi I am filing this complaint against the 3 major credit bureaus. 

I disputed the accuracy of a XXXX XXXXXXXX account XXXX. 

All three are reporting different variables The follwing information is reporting wrong : Date Opened : Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX High Credit : Transunion {$1000.00} XXXX {$0.00} XXXX  {$41.00} Credit Limit : Transunion {$1000.00} XXXX  {$1000.00} XXXX  {$0.00} Last Reported : Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Comments : Transunion : Charged off as bad debt Canceled by credit grantor XXXX : Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX  Charged off account Accounts closed by credit grantor Date Last Active : Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Date of Last Payment : Tranunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX The information above should be the same across the board. There should be no difference any of these factors. The FCRA clearly states items on a credit report needs to be reported as 100 percent accurate. If not not they should be deleted I have attached a copy of my report showing the in-accurate 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 2020-08-11
Company: CAVALRY INVESTMENTS, LLC
State: NY
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 I called Cavalry Portfolio Services to dispute a debt and verification with XXXX # XXXX. I was informed that XXXX XXXX was handling that account for them. On XX/XX/2020 I faxed my letter of dispute requesting validation of debt and to dispute debt to XXXX & Cavalry Portfolio Services. On, XX/XX/2020 I called XXXX XXXX to inquire why after 90 days that I havent heard back from them. I spoke with XXXX XXXX at XXXX and she informed that the debt # XXXX has been transferred back to Cavalry Portfolio Services. I contacted CPS and spoke XXXX ext. XXXX who confirm that they did receive my letters on XXXX and confirmed they didnt respond. I informed them by law they have 45days to send the requested information and that it has been 90days. 90 days has past in my my rights under the Fair collections debt have been vailate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage is services by ASC aka Wells Fargo and should be a fixed rate mortgage. In XX/XX/XXXX my husband was laid off and we began to have financial troubles. In XX/XX/XXXX, I filed chapter XXXX bankruptcy to save our home. Over the course of the next five to six years I paid over {$30000.00} in the bankruptcy case. Throughout this time and process we have request both payment histories and a history of the escrow account. For the past two years, I have periodically request this info time and time again. My bankruptcy attorney even provided them a release letter so that they could discuss this info with me. Our reason for this is that we wanted to make sure the money was being applied appropriately so that when the bankruptcy ended we would be back on track. Well this has been a struggle to say the least and to this day I have yet to receive any of the info I have requested regarding my mortgage. My last communication with ASC was on XXXX XXXX, XXXX via phone. This time I was told that the payment history and escrow info for my account is stored in microfiche ( yes microfiche in XX/XX/XXXX ) and they were having a hard time gathering the info for my account. I am not sure of what our balances are at this point and although ASC ca n't provide a history of the transaction on my account they have told us that we are still owe them approx {$14000.00} to {$15000.00} dollars. We are not currently in foreclosure as we have tried to modify our mortgage but was denied because they said our monthly mortgage expense is {$630.00}. However, our monthly mortgagpayment is {$820.00}. I am at a loss now and need help. We desperately need to see our account information to be able to make an informed financial decision regarding this mortgage but are not getting any details from this company. How can that be? I thought they had to legally provide us with at least a history of the account when requested? Please advise.

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 2020-08-11
Company: EQUIFAX, 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:
XXXX Bank granted a forbearance for 3months, XXXX through XX/XX/2020, due to COVID. I resumed payment on my mortgage on XXXX, following the end of the forbearance period. I then received emails from all 3-credit bureau about the bank reporting that I have been late on my mortgage for 90days, and payment has not been received. This dropped my credit XXXX. I filed a dispute with all 3-bureau, called the bank to try to resolve it but was told nothing they can do until after 30days of investigation into their system. I provided evidence of the forbearance letter which indicates my credit will not be affected due to the COVID relief assistance emergency program, but that was not taken into account by the bank. I am still out of work and now made difficult to find work due to the negative credit report irresponsibly placed by the bank. The bank, XXXX Bank, have yet to resolve this situation. Meanwhile my credit has only gotten worse because now I can't even refinance to eliminate my relationship with the bank. I have already started to receive letters from my credit card companies about dropping my credit limit due to the negative impact on my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had lost my job several years ago and was unable to make my mortgage payments. I am XXXX years old. We tried to request loan modification but we were denied because I do n't have sufficient income. I only earn social security income. The mediation was denied in XXXX 2014. Foreclosure sale was scheduled for sometime in XXXX 2014 so I needed to do a BK XXXX. The debt was discharged. there was a junior lien with XXXX and also the XXXX. I have continued to receive correspondence from SPS that does not pertain to my particular situation. Since I was not approved for HAMP or HARP I moved out of my condo. I have continued to receive notices and when I call they say the account has been referred to an attorney. in XXXX I sent SPS all the information they needed including fax numbers and addresses for the junior liens because I wanted them to do a Deed in Lieu. SPS never did anything about it. Today i finally spoke with someone at SPS called XXXX XXXX ( XXXX ) who said things could have been handled better and that mistakes have been made with uploading my documents to their system. This delay has caused my deed in lieu to be delayed and so I continue to be harassed by correspondence that does not relate to my situation. the resolution to this account should be deed in lieu or foreclosure but they continue to send me notices that I owe money. this has caused me stress and I have moved out of the condo and just want to have my name off the deed so i can move on. sps had the sheriff knocking at my door so i moved out in XXXX and now they are still harassing me. at XXXX i can not live this way. i want them to do their job and continue with the deed in lieu and stop harrassing me. sps noted that they didn not handle my account correctly and did not upload the documents i sent them correctly which caused them to send me more and more threatening letters. i need this to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a XXXX XXXX, on Social Security & XXXX.My mortgage rate is a high 6 1/2, because mortgage lenders consider me a high risk because I was out of work for more than a year, and I ca n't get it refinanced.I obtained the mortgage in XX/XX/XXXX. My mortgage has been transferred several times to different service companies. The current holder of servicing is Select Portfolio Servicing , Inc., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ut XXXX, referred to as SPS. They advertised a modification proposal to lower my monthly payment, sent me a package to fill out & supply supportive documentation. I complied, even providing additional information about my medical history, a seasonal job I have ( I sent a Social Security statement review showing my physical capacity ), etc. The company SPS rejected my request by letter without itemizing what was 'incomplete'.A telephone call ( they said was recorded ) with representative XXXX XXXX on XX/XX/XXXX at XXXX CST produced a litany of things they need that include just a check mark on a IRS Form XXXX, a fancy financial statement for my part time mowing job, a more complete copy of all my bank statement that I gave them redacted pages, two months of my XXXX wife who is on Unemployment Compensation till XX/XX/XXXX and received a stipend from laid off company of {$36.00} per month she just cashes & gives me, but SPS wo n't accept that as proof, etc. THey want me to deposit the {$36.00} to my checking account this month and next, so as to see the proof of it, even though I sent them the entire payroll stipend form with tax withholding information, year to date {$4000.00} of XX/XX/XXXX. I feel discriminated against, that they do n't want to help. I gave them proof of Social Security, my season jobs income verification, my wife 's info, taxes, bank statements, property tax info, medical specifics from XXXX with diagnoses. XXXX. It 's not right what they are doing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In the process of selling my house and need a lien release from Bank of America. A formal request was sent on XX/XX/XXXX. Have a closing date of XX/XX/XXXX and they still have yet to send the release. They have been contacted numerous times by the title company, the real estate company and myself and so far no resolution. Time is of the essence because of nearing closing date. Bank of America has had ample time to send lien release that I may sell my house.

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 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX, XXXX  and Trans Union to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 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 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 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 2020-08-11
Company: General Motors Financial Company, Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We paid off a lease of a XXXX  XXXX XXXX leased with GM Financial when we initiated a second lease of the same vehicle with a newer model. We received paperwork at the time that indicated the previous lease had been paid off. In addition, as an existing GM Financial customer, I never received any emails, alerts, etc., even though their digital terms and conditions state they will send emails, text messages, and other communications I had opted into regarding ALL of my accounts. Unfortunately, I had removed the old account from my profile because I assumed it was old and already taken care of given I put more than {$6000.00} cash down on my new lease. 

My credit score was in the high 700s until this false claim hit my credit report this week -- sending it down more than 80 points according to XXXX. Any attempts to contact GM Financial have resulted in ridiculously long hold times followed with disconnection, or reaching a representative only to be given a different contact number. This issue on my credit score is over a paltry {$280.00}. How ridiculous! I will never lease with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The account below should be a zero balance. 

Item1 : XXXX XXXX XXXX XXXX Account : XXXX {$9100.00} Reported balance Highest balance {$10000.00}

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 2017-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I called TransUnion about this issue and their customer service would not help and take care of the item on my credit report XXXX hard inquire ) this was an item that was removed and added back again ( if this is of any use, the customer service was very unhelpful ).

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 2020-08-11
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020 my Cash App account was locked for alleged unusual activity. It has not been unlocked to date and it is impossible to make contact with them. I received one email requesting information pertaining to devices used to access the account and responded with all information immediately. The app states that I should regain access within 24hrs, and it has been nearly three weeks as of now that I can't access my sole source of income ( unemployment payments deposited to this account ). I managed to  get a response from their XXXX account, but they only state that someone will look into the issue and get back to me " soon ''. Meanwhile, I can not pay bills or buy groceries and am about to be homeless because of this. On XX/XX/2020, I received a text and an email from cash app that my number and email had been unlinked from my account. It appears they have deleted or cancelled my account- which is fine by me- but they are in possession of my $ 9000+ balance and the lack of response to my increasingly panicked requests for assistance is disgusting. On XX/XX/2020 I requested an instant transfer of my account balance to my linked bank account on a device I was still logged into Cash App on. This transfer has not been received as of this writing. I have attached screenshots of the same for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loans have been in deferment/forbearance since before COVID PANDEMIC. I verified that it should not have been reporting as pass due. This is destroying my credit rating and preventing me from living a peaceful life. Please correct. Experian is showing past due please correct and repair the damage to my profiles. 

Time 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 2021-02-19
Company: Bread Financial Holdings, 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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Comenity Capital Forever 21. The Account Opened is Comenity Capital Forever 21 Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation