BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a personal loan of $ XXXX  with Wells Fargo whom I'm in good standing with, I have a credit card with them which is now 95 % payoff with just a balance of {$200.00} with a credit limit of $ XXXX. In addition to that I have both checking and savings with Wells ; checking receives direct deposit from employment and savings has a small dollar amount of about $ XXXX. 

I initially got an approval pending income docs be upload which I have two jobs and I provided documentation for both and a credit score of about XXXX, this was XX/XX/XXXX. I then got an email stating that I was denied XX/XX/XXXX due to amounts owed on debit is too high ( I have a car note and a total of 3 credit cards with one paired completely off ) and they couldn't verify my income ( which I provided documents and I work for a XXXX XXXX  contracted through the XXXX XXXX XXXX and my other job is with the City of XXXX XXXX, MN both places easy to verify my income if docs submitted wasn't sufficient ) Wells Fargo has a rich history of denying people of color loans and this situation is no different.

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 2017-02-01
Company: GMA Investments, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Summit receivables keep calling threading to take legal action against me for a debt i have know clue about. I have asked them for them to send me the letter of the debt, and never received anything. Now they are continuously calling from different numbers, threatening to take league action, very rude, and asking for my information birthday, last XXXX of social i told them I do n't give out my personal information to anyone i do not know. So now they have become more threatening and will not stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On a DISPUTED charge of {$51.00} on my Visa Signature Capital One credit card acct. ending # XXXX on statement for period XX/XX/19-XX/XX/19 I withheld payment of that disputed item of {$54.00}. Thereafter C.O.Charged a late fee of {$25.00} on statement for period XX/XX/19-XX/XX/19 and a second late fee of {$38.00} on statement for XX/XX/19-XX/XX/19 in violation of Credit Card Act of 2009, 15 U.S.C 1665d, sec.149.Moreover on XX/XX/19 I mailed C.O. cert.mail r/r/r ( received by C.O. on XX/XX/19 ) factually disputing the charge and requesting all verification as designated in 940 C.M.R. 7.08 ( 2 ), Code of Mass. Regs. To date no response except continue to bill, add interest and furnished disputed amounts to Credit Reporting Bureaus.Previous to said letter had tele.  conversation with C.O. Consumer Service rep. ( On hold for early 15 mins. ) in which rep. stated I was not responsible for disputed amount ; but, I had to call another dept. I said you should call as I have already spent too much time on phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
Things are still being reported inaccurately inquiries that I have not applied for are being reported that are not associated with 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 2016-09-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
There is a fraudulent charge on my deceased husbands account. Even though at the time of the charge my husband was not well enough to even sign his own name, the financial institution is insisting this is a legitimate charge. They put me through a lengthy process to become authorized on the account and when I last spoke with the financial institution they told me they could still not help. I have received a letter in response to my last complaint telling me that I needed to call into fraud to report it, but when I did that as instructed they tried to transfer me to the probate department again and then hung up.

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 2022-08-17
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted CFPB in XXXX concerning this issue. 

Thankfully, the company claimed to delete the issues I stated. I've attached the notice from the company. 

But these charges are STILL appearing on XXXX XXXX. XXXX XXXX claims the company has NOT deleted the items. 

I want them to delete immediate as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account Numbers : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account Numbers : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2017-10-11
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit report shows an account with a balance from Synchrony XXXX. Please provide validation of debt.

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 2022-04-08
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you 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.

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 2017-05-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX   AND EQUIFAX are both reporting a completely fraudulent collection account, number XXXX .   by  XXXX   XXXX   XXXX   XXXX , a company under CFPB Consent Order which requires submission to CFPB supervision.The problem arises from the incompetent hospita l biller   XXXX  represents,  XXXX   XXXX   XXXX   XXXX   XXXX  .I h ad service there 1 day  in 2014, T he hospital biller puts  XX/XX/14    on  one  bill and  XX/XX/14    on another for service that occurred on  one day .If a hospital can not bill an insurer correctly then that insurer can not be held to bad faith.I was fully insured that day of service after employment by  XXXX , after a leave of absence, and then finally I paid a  XXXX  policy in a timely manner. One ch eck for   XXXX   was written to  XXXX  on  XX/XX/14    And cashed by  XXXX  on  XX/XX/14 .A COPY OF THAT CHECK IS ATTACHED.Also you are aware that insurance is not paid in arrears, and  XXXX  had that check cashed just two weeks prior to hospital service.I 've attached proof of  XXXX  'S incompetent billing, not even knowing what day the service occurred.The credit bureaus must get  XXXX  to certify the correctness of the information or  delete immediately.  XXXX  already took a stand and deleted the  XXXX  account which vaulted my credit score back up to  XXXX , OVER  XXXX  FICO  XXXX  points.This willful error of  XXXX ,  XXXX  and  XXXX  and Equifax who relay their false information is getting expensive.I 'm a middle tier interest rate on mortgage and credit cards instead of the very top tier I deserve.I 've been told by   XXXX   XXXX   that   XXXX   'S REPORT put me in the middle tier from 14 per cent to 20 percent on their credit card.   I ca n't have my real estate broker get a mortgage until this issue is put to rest.   THERE HAVE BEEN MULTIPLE INVESTIGATIONS WITHOUT THE EVIDENCE ( attached ) PROVIDE D HERE.THE EVI DENCE SAYS THIS ACCOUNT SHOULD N'T BE ON MY REPORTS AND  XXXX  DESERVES ONE MORE GIANT  XXXX   XXXX  DOLLAR FINE FROM THE CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
As a XXXX, to went to XXXX school back in XXXX and finally finished in XXXX as I worked to support my family and take care of a elderly and sick parent. During that time, we took out loans for XXXX University. We needed to student loans so I could keep going to school while raising a family, trying to pay a mortgage, and caring for my dad. During those years, my ex-wife was in charge of the finances and she made payments. In XXXX, she began a divorce process which ended in XXXX. During that time, I took over the finances and looked at the loan balances an discovered we had hardly paid down anything. I asked for the payment history from the loan server and XXXX ( agency that I think issued the loans ) and my ex-wife had been making payment. When I looked at old bills and inquired with the bank, they said that only minimal payments were being made. However, when you looked at the bills the minimum payment was in larger print. It appeared to be the payment that was required to pay down the loan. Almost 24 years later, I am still paying down this loan which is at 8 % and have barely made a dent in it. Meanwhile, I have increased the payments but I can only increase them so much as a teacher, single parent, who is also helping his adult children get through college. I feel like i will be paying this loan forever. When I was in the middle of the divorce in XXXX and the housing market collapsed I had to file for bankruptcy. I asked for some forgiveness of the loan but was denied. Meanwhile, I had to borrow money from friends to survive and interest kept accumulating on these loans. I think this is all very unfair. I will be XXXX by the time this loan is finally paid off, assuming my health stays in tact and I can keep working full time as a teacher. Meanwhile, my hands are tied in trying to help me kids and they are also getting mired in student loans. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account Numbers : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account Numbers : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
While I was checking the process of getting my credit score report records show some credit cards has been found unknown. {$570.00} from lvnv funding on XX/XX/2015. This credit card is unauthorized transaction and maybe identity theft is considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having a problem with Midland Mortgage who is the holder of the FHA mortgage loan on my home. They have misled me and not been honest and seem to be trying to deny access to programs for struggling homeowners. I was in an agreement with Midland Mortgage but unexpectedly had the IRS come after me for back taxes and garnish my paycheck. As a result of this garnishment I could not afford my bills and I defaulted on my modification. I immediately contacted Midland and they told me they would work with me and to contact them as soon as I was back on my feet financially. In a matter of months I was able to get the IRS to put me into a payment plan and began receiving my regular paycheck. I tried to make a monthly payment to Midland but they would not accept my money and told me I had to repay all missed payments as well as late fees, Attorney fees etc. I was not able to do this. I was told I could go through the loss mitigation review in order to resolve the late payments and get considered for a modification. I submitted the financial information and was told that everything looked good. Then I was told that since I had received assistance through HUD in the past that I could not be reviewed for assistance again. I dont believe this information is accurate and when I asked Midland to explain they could not give me any straight answers.      I have owned my home si nce 2009 and  have worked as a  XXXX   XXXX  for 26 years. I ran into a true hardship when the IRS unexpectedly garnished my paycheck and it caused me to default on this  loan. As soon as I got the matter resolved I tried to work things out with Midland, but have run into a brick wall. I believe that I qualify for assistance through HUD with my FHA loan based on the income but Midland is refusing to open a review. I believe that there are options such as partial claim, special forbearance or modification available for me. I dont understand why Midland agents tell m e to apply for help and that everything looks good then tell me that they wont help me because HUD helped me in the past. This does not seem right.

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 2022-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is regarding account # XXXX, which you claim I owe {$3300.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I should have a XXXX balance and not sure why I am past due. I have requested a full history and still have not received. Please help this is hurting my credit

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 2020-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 credit inquiries made by this company

Company response to consumer: Closed with non-monetary relief