BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-24
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I HAD TO FILE BANKRUPCY XX/XX/XXXX AND XX/XX/XXXX. I DID GET BEHIND IN MY MORTAGE PAYMENTS. WI TH WELLSFARGO. INSTEAD OF WELLSFARGO HELPING ME MODIFING MY LOAN THRU HAMP, WHICH EXPIRED XX/XX/XXXX. THEY USED THE HARP WHICH REALY I DID NOT NEED TO BE IN. I NEED A JUDGE TO ORDER WELLSFARGO TO GO BACK AND SEND MY LOAN THRU THE HAMP PROGRAM. OR I WANT TO SEEK LEGAL ACTION ON MY LOAN. I HAVE BEEN IN MY HOME SINCE XX/XX/XXXX. 
I AM NOW PAYING A 9.25 % INTEREST RATE. CAN YOU HELP ME SEEK LEAGAL ACTION., I HAVE A LOT TO TELL YOU ABOUT MY LOAN IN PERSON. WELLSFARGO DID NOT TREAT ME RIGHT UNDER THE SONSUMER FINANCE ACT. I AN NOW UNDER CHAPTER XXXX TO KEEP MY HOME. I ALSO HAVE A CREDIT OF {$330.00} FROM A CLASS ACTION SUITE , AND THEY WILL NOT GIVE IT TO ME. I ALSO HAVE ANOTHER CLASS ACTION SUTE, ( NOT GRANTED YET ).

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 2015-09-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a checking and savings account with Wells Fargo Bank. They approved my application and opened up my checking accounts. A few days later they closed them with no explanation. I do not think it is right for them to approve and open checking/savings accounts and then close them within a few days. If Wells Fargo finds information on a customer that does not meet requirements for the bank, then they should not approve them at all. I was really needing this checking and savings account and they have not practiced professional business practices.

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: SYNCHRONY FINANCIAL
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The loan is for {$12000.00}, with interest accruing daily. I sent in a payment of {$5000.00}, it was processing, then it disappeared. The amount was not taken out of my account, but I am trying to pay it off fast because the interest rate is crazy. I read reviews online ( after I set up the loan ) that they have refused peoples payments so they can collect all the interest that was expected. I have called them multiple times, took records of account balances ( both my bank and the loan amount ), payment confirmations, and phone calls. I am about to get in touch with a lawyer because they are ripping me off and wont let me pay it off. I have the money to pay it off, they just wont let me pay it.

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 2022-11-04
Company: Experian Information Solutions Inc.
State: NY
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:
see attached- fraudulent accounts reporting on my consumer file remove immediately. in violation of my consumer rights and defamation character. 
XXXX XXXX XXXX XXXX  send updated report with it removed

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 2016-06-09
Company: DISCOVER BANK
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
discoverstudentloans.com alleged that I had a sixty day late on a loan on which I am a co-signer. Unfortunately, I was probably that late but not due to any delinquency on my part but due to their not contacting me to let me know I was late. I am trying to have this blemish expunged because it was their fault. They have been unresponsive and have failed to provide documentation about this matter. 
When they got a hold of me I paid and was current with the loan until my son went back to school. 
My contact with them to resolve this was riddled with misinformation, wrong addresses, wrong social security numbers, and the list goes on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX Account # XXXX The above account have violated my rights. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Attached is a copy of the title for my vehicle that proves that this account was PAID IN FULL. The company is incorrectly reporting this account as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: Bonial & Associates, P.C
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hired a retired XXXX and Attorney that determined mortgage fraud took place. Hired a hand writing expert that determine Corporate Assignment of Deed of Trust was done fraudulently, so forfieted notary bond to XXXX and no longer is notary. XXXX determined for last XXXX years XXXX of XXXX has been practicing law from the bench an high misdameanor. Also not XXXX form or Judiciary Bond on file as required. Thus, XXXX NOTE was treated as MONEY and was monetized and cashed paying off house immediately. Thus the DEED of TRUST was never active from the terms and conditions. And Conversion Fraud, and Mail Fraud have taken place, XXXX BANK, XXXX, AND XXXX., AND XXXX BANK, FSB, AND XXXX WERE all put into a government conservator-ship. This process was set up from the Builder XXXX. and XXXX Using XXXX Mortgage, INC. ( XXXX ). and XXXX MORTGAGE, INC. whom never loaned XXXX anything. They had XXXX sign a security instrument, but the people doing the fraud were not licensed to sell securities, apparently not an agent of MERS either and included their incorrect legal name on the paperwork. This was all orchestrated by XXXX, that is owned by XXXX, XXXX have asked them already for their errors and omissions insurance carrier but they have been non-compliant. XXXX IS owned by XXXX. All have been involved with a corrupt network of XXXX fraud. So much for buying worthless title insurance. XXXX also worked with XXXX to presumably table fund the loans as a deposit which is illegal and unlawful. All of this illegal activity since XX/XX/2004 has happened with the government knowledgeable since the fraudulent entities filed XXXX forms with the SEC XXXX database canceling the tax exempt trust no more then XXXX year after it was set up XXXX database canceling the tax exempt trust no more then one year after it was set up for tax evasion of the money or conversion payments. HOME was paid off immediately by NOTE that was monetized with FED, then the party took out additional loans from HEDMANS. 
We should be able to file a claim against XXXX XXXX, XXXX, and Corporate officers XXXX, XXXX, AND XXXX, XXXX sent the common law copyright notice and Affidavit and Notice to provide proof of claim. 
XXXX XXXX XXXX, TX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Paypal Holdings, Inc
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I signed up for a PayPal account through their online portal. At no point did I authorize or give information for a line of credit through PayPal. Without my permission, PayPal did a hard credit inquiry on me and opened a line of credit in my name. I closed the credit line immediately upon realizing, which was extremely difficult to do as PayPal customer services was evasive in my attempts to close the account. I am now left with a hard inquiry on my credit report, and as a young person without longstanding credit, this inquiry is causing a decrease in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a live single human being typing this narrative! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX  ACOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX ACCOUNT XXXX XXXX 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 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2017-01-19
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are requesting the following information from First American Title Insurance Company in writing. 
1st- We signed a Note and Deed of Trust at the XXXX Nevada location on XXXX XXXX 2006 for XXXX. What was the date that First American Title sent the original documents to XXXX? 
2nd- how did First American Title send those documents, federal express, USPS or XXXX? 
3rd- for the property located at XXXX XXXX XXXX , did the investor ever cash out the insurance policy that the investor had with First American Title, file # XXXX? 
4th, if so, please provide dates when cashed and to whom was the funds paid too? 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is harassing me and trying to force me to pay a old debt that has been paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An unauthorized user set up an auto pay using my account information. The amounts were not significant each month and came from a valid vendorXXXX XXXX XXXXXXXX, that I use, which is why it did not catch my attention for 3 years. USAA, my bank will not do anything for the charges older than 60 days. Even though the vendor said they should reverse the charges back to the vendor so they can be placed onto the correct account as a balance due. 

I am out XXXX XXXX dollars and the bank will not do anything to assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/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 2015-03-26
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX from Cavalry Portfolio Services called for XXXX XXXX, another tenant in my building. She refused to give a contact phone number and disconnected when I insisted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Unauthorized bank wire from my Wellsfargo Business account for {$24000.00} to a fraudulent account to a XXXX XXXX fraudulent name to a XXXX XXXX XXXX  account. 

Date of transaction : XX/XX/22 Filed claim XX/XX/22 with Wellsfargo Filed claim with FBI XX/XX/22 Claim with Wellsfargo denied XX/XX/22 and is doing nothing to assist me to recuperate my money.

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 2016-03-19
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i received a collection notice from XXXX and it is not my debt. 
1 it is not my debt i would like for XXXX to provide proof that it is my debt and Such as original document with my signature and or proof of any payments i made on this account such as voided check. 
2. this debt is XXXX claiming i owe is from 2007 and it is well out side of Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a chime account and on XX/XX/22 someone in a different state logged into my account and sent my money to a XXXX XXXX XXXX. I logged into my account XX/XX/22 and when I saw that my money was gone I instantly filled a dispute. The representative on the phone asked if I had any proof and I say on the phone with her and found email showing that my account was logged into 3 time on XX/XX/22 and only once by myself. The other 2 time were in two different states. I sent here screenshots of the emails and she let me know that it could take up to 3 days for me to receive my money. I received and email 2 hours stating that my request was denied due to no error occurring. The amount that was taken from me was {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: MA
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:
CFPB, I am writing in regards to Experian and XXXX  refusing to delete re-aged XXXX XXXX account XXXX. Experian is reporting XX/XX/XXXX, XXXX  is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX Re-aging account is a violation of the Fair Credit Reporting Act. The date last active is reporting three different years and dates which is inaccurate and a violation of the FCRA.

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 2017-03-02
Company: Lendmark Financial Services
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I only fell a few weeks behind and they are calling my employer, who I never gave permission to call. I have instructed them that the only valid number to call is my home, and they must discontinue calling my place of work and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: SECURITY FINANCE CORP
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My complaint is about Professional Financial Service. They refuse to give me that information. I 've had problems with this company before. I had to call my local whistleblower to get my car back. They illegally repossessed my car and then tried to charge me XXXX times the amount that i owed. This was all over insurance no missed payments. I paid what was owed minus the tow fee which the President said i could pay at the end of the term. I have paid my car off and as of today i have not received my title. To make matters worse they charged me a extra XXXX in late fees. When i call the company there very rude and dont want to listen. I asked if they could switch payment dates to the day i was paid and they refused which they have a right to do. I had XXXX late payments per there contract if the vehicle is used for personal, family, household etc ... the late payment should not be over XXXX. I use the vehicle for all of the above. For XXXX late payments the fee should have been XXXX which i paid at the end of my term a long with the tow fee and the last payment for the month. This was all paid in the month of XXXX. I received a phone call after that saying that I owed a extra XXXX. When asked why she was rude and said they charged me interest on my late fees. I told her thats not what the contrat stated. She said pay the fee or there coming to repo the car. I paid that fee also. I have no clue of what that was for but i paid because i know they will come get your car. I have a copy of all my money order payments and a copy of there contract. My insurance agent also notified them that i had insurance yet they was still charging me for that also. I have all documents. As of today i have paid all fees and fees that i was not suppose to pay and I still dont have a title.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-05
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
EARLY XXXX XXXX XXXX, XXXX XXXX XXXX Santander Consumer Usa Inc . 
threatened to sue me case was dismissed and since then i never heard from them in any form of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian blocks access for their Free Credit Report on " XXXX '' forcing one to go to their website where you have to pay. I have tried for several days to get my personal Experian Credit report. I Have XXXX and XXXX credit score with XXXX and XXXX. Experian reported my score as XXXX to a lender and claimed that I have a lot of negative mortgage history which is untrue. I think it is a scam to force people to pay them to get a credit report. I am sure others are having the same problem. They should be forced to refund all cost to those who were forced to pay them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
We sent a letter on XXXX and received a response saying our letter was a " suspicious request '' and " not sent by me ''. Who else would send a letter trying to help us fix these ridiculous mistakes? 
We sent copies of my ID, proof of residency, etc. There are major mistakes the other XXXX credit bureaus fixed. Experian is causing us to not be able to get a mortgage by refusing to fix their errors!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-07-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Hi This Complaint Is About My Lender ( WELLSFARGO BANK ) My Lender Is Trying To Defraud Me. The Way The Ca n't Keep My Property With Using Different Information. I Fax Document One Representative From One Department Saying That They Never Received Any Document And A Other Department Telling Me That They Did Received The Document Please Help Me With This Matter Since The Want To Sale My Property Telling Me Lies OnLy Lies Please Help Me My Account Number Is 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