BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a letter from Wells Fargo dated XX/XX/XXXX stating they are contacting me to inform me that my account may not have closed when they told me it was closed.They attached a check in the amount of {$26.00} and said it was for reimbursement for any fees I was charged after the account failed to closed. I also received another letter from Wells Fargo dated XX/XX/XXXX with a enclosed check for the amount of {$27.00} stating that this check was for fees that were charged while a unauthorized restraint was placed on my account.They also instructed that the check includes ban additional amount of {$1.00} to compensate for the time these funds were not available.I 've spoken to multiple representatives for Wells Fargo and XXXX which is a third party company authorized to issue the checks on behalf of Wells Fargo and I have been getting the run around. I get transferred from department to department on cold transfers having to re explain the situation to every representative I speak to. I been. feed inaccurate and incomplete information by representatives from both Wells Fargo and XXXX. I've filed multiple complaints with each department one on XX/XX/XXXX, another XX/XX/XXXX and XX/XX/XXXX for Wells Fargo Remediation Program but have failed to get any answers for any of my questions and concerns.

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 2022-09-23
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:
To whom to may concern there is erroneous/ inaccurate information on XX/XX/2021. I am currently being hit with a bunch of hard inquiry 'd on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I never gave any car dealership the right to run my credit score 6 separate times on the same day.

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 2022-06-08
Company: Sequium Asset Solutions, LLC
State: NV
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 victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: ERC
State: NV
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 victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: PA
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:
Please help my family and myself. I have contacted Equifax over 15 times in regards to verify some items on my report. I learned from your site that they have 30 days to get back to me. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. I emailed the CEO of Exquifax XXXX XXXX and have yet to hear anything back. The items that they have on my report are stoping my family frombeing able to purchase a home, and have cost me an employment opportunity. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/22 To Whom It May Concern, Recently I was made aware by Experian that XXXX issued a late payment notice to them on my account with them. However, this is not the case. 

I called my own bank first on XX/XX/22 and was told and could see for myself, via my online banking portal, that XXXX was paid out automatically on XX/XX/22. 

I also called XXXX directly on XX/XX/22 and was told that they had not issued a late payment notice and that the customer service operator, XXXX, could see that the payment had indeed been made. Furthermore, XXXX said that XXXX had NOT issued a late payment notice! 

Of course, even though the payment was made and XXXX themselves did not issue the notice, I do not want this false notice to affect my credit score. 

In addition to my bank XXXX and XXXX I also disputed this with Experian. Experian researched the issue and 24 hours later it was updated, and I have no idea what that means as they were not forthcoming with any additional information and suggested that I contact XXXX. 
XXXX at XXXX gave me the contact information for your bureau, and I sincerely hope that this can be dealt with in a timely fashion. 

Please contact me if I can be of any further assistance! And thank you very much for any help with this matter! 

Regards, XXXX Should I ask for something via email or written form to support my claim?

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-08
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
USBank : Account # XXXX US Bank Timeline XXXX I sent my Instrument of payment in the amount of {$130000.00} to USBANK CERTIFIED MAIL. XXXX XXXX XXXX XXXX XXXX, MO XXXX. TRACKING # XXXX. 

XXXXCertified Mail was delivered. 

XXXX I received refused Payment Of Instrument via ups from USBANK With notice dated XX/XX/2022. I spoke with supervisor XXXX ID number XXXX in regards to the refused payment and informed her of XXXX and XXXX. 

XXXX I sent a Conditional Agreement to USBANK with the Attention of XXXX XXXX CERTIFIED MAIL. TRACKING # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: MI
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:
On my Fico score it has 6 late payments 30+ days and I am not behind on those payments. When I called Equafax they said they can only assist with my XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, This account with Caliber home loans I have had for a while. In XX/XX/XXXX we placed the account on forbearance due to covid which lasted until XX/XX/XXXX. 

In XXXX I reached out to Caliber that I would like to get a loan modification which is offered to all covid forbearance clients. At that time the FRM weekly average rates were running between 3 to 3.5 %. 

Caliber first they said I do not qualify for Flex modification without giving any reasonable explanation. After bunch of phone calls and speaking to supervisors and sendinge-mail they finally agreed to process my request. However, Instead of processing my request in a timely manner which is a few weeks, it took them almost 6 months to process it. 

The issue is that by the time they proceed it rates were already over 5 %. This means that I will have to pay around extra 1.5-2 % ( or 9-12k ) because Caliber did not process my application in a reasonable time frame as required by law, and therfore putting an extre burden on me and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX has reported 11 negative marks on my credit history as default/late/not paid. 1 ) These loans have been paid in full and transferred. 2 ) There is not 11 loans - some loans are marked twice on my credit report rather than once 3 ) these loans are over 10 years old and should not be on my credit report at all.

I've repeatedly reached out via mail to fix this with no reply. When I've disputed through credit bureaus, they've told me the information is accurate and has been verified by XXXX. XXXX XXXX is no longer in business and can not be reached for resolution. 

" XXXX XXXX, a company that collected and tracked federal student loan payments, is no longer active. Its government contract expired in XX/XX/2022, and all loans in the XXXX portfolio have been transferred to other servicers. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My vehicle was involved in a car accident in which it was totaled. My insurance company ( XXXX XXXX ) determined the exact payoff amount for the loan and sent a check for the full amount via overnight carrier to XXXX. The check was received by Nissan prior to the XXXX payment window. Nissan went ahead and reported my payment, which was no longer due to them, as over 30 days delinquent. This has negatively impacted my credit score by a significant amount. This delinquency needs to be removed from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
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:
On XX/XX/XXXX I made a deposit and try Iog in to my bank account and I was denied, the next day I call and they said they close my account and they decide not to tell why. 
They said my money will be mailed out the next day. 
It's XX/XX/XXXX and my money still in the account, they been giving me the run around for 3 weeks keep saying the bank haven't not answer their request, to call back in 5 days, I been told that about 3 times already. spoke with a supervisor name XXXX and now she ignoring my calls and not picking up my calls when I get transfer to her. They close my account for no reason, they didn't tell me why and they still my holding my in 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 monetary relief
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Date : XX/XX/2022 Company : Equifax On XX/XX/2022 from the hours of XXXX est to about XXXX I was On the phone with employees of Equifax seeking information as to why my credit score and items on my credit report were different every time they were checked, from accounts showing balances that were paid off 30-60 days prior to applying for loans and or requesting credit reports. Asking to speak to a supervisor ( who denied my request for his name ) I was met with attitude and given short snappy responses as I tried to seek a better understanding as to why my credit report/score with only Equifax is never in line with what the physical copies of my report or what my banking institutions sees as I try to apply for an auto loan. 

I was left on hold for 40 minutes and counting only to be met with the two question survey about my experience with the Equifax employee today. 

I would like to have my credit scores updated as I have worked hard to improve my credit and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Navy Federal Credit Union has closed the XXXX XXXX account that was fraudulently opened in my name, but I still receive statements say I owe a payment on the account. In addition, the company has failed to notify credit reporting agencies that this account was opened fraudulently. It should do that so the account is stricken from my records.

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 2023-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
About two years ago I had a Capital One credit card. I would use it and pay it off. At one point they held my payment because the felt it was suspicious and so I had funds in limbo for about a week. 

This, of course, made me angry because nobody could give me a valid reason. It seemed you get in trouble for not paying your bill and now you get in trouble for paying your bill. So the discussion got heated and they closed my credit and my checking account. 

I just applied again snd received the card Ive used it snd paid it off again. I just got a letter via XXXX stating theyve closed that account again. 

Obviously I was approved and, like I said, Ive been using it. Until now. 

I guess Im not sure that a credit card company can take things personally like that and deny somebody a card if they qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
It is never going to be fixed until PayPal will be sanctioned for its unfair practices to hold onto my money. I spent almost a month to transfer my money to XXXX XXXX without success. Every time I repeated the link process it was stating : successful, but PayPal just resisted to make money available as an external account on my XXXX account. 
Now I transferred my money to my Bank on land and first they began to look for any way to hold onto my money too. Finally, after I told them that I am going to complain they promised that it will take one day and it was done. For the second transfer, in their email PayPal said that the money will be there in one day, but it was not at the same day as it supposed to be, I believe sent virtually in minutes or as stated in email on XX/XX/XXXX, in one day. Today XX/XX/XXXX and my money isn't in the bank yet and my purchase that I planned is jeopardized as I need to make a transfer from the bank. The email arrived that I got a message from PayPal that I can only see partially because PayPal does not allow to see the entire conversation and only part that fit inside the frame on the laptop screen inside smaller frame on PayPal page. There agency was talking about 6-7 days for transfer. This is unbelievable how easy they deceive, take an advantage and make me nervous at my ages. I got so sick at the PayPal games that I need to get a medical assistance. 
I was going to pay for a purchase and now it is fell.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: FL
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:
I am providing a courtesy notice to Equifax to ensure that the incorrect report that showed up on my XXXX and XXXX does not also reflect on my Equifax report. XXXX responded that they have already removed the incorrect report. The related information is as follows : On XX/XX/2022 I discovered that a delinquent account has appeared on my credit reports with XXXX and XXXX, which XXXX acknowledged on XX/XX/2022 at approximately XXXX PM XXXX was incorrectly sent to XXXX XXXX XXXX. XXXX stated that this stemmed from invoice number XXXX, but that the information associated with this invoice had misspelled my name and address, and even had the incorrect insurance information. I never received any notification of this bill from either XXXX, or my insurance because even the insurance submission was done incorrectly. I asked XXXX to provide me written evidence of them beginning the process of notifying XXXX XXXX XXXX that the bill was incorrectly sent to collections, but XXXX would not provide this evidence. I have already sent a dispute to XXXX and XXXX, but I am concerned that without written evidence this will take time to rectify. I am closing on a car purchase in XXXX and am extremely concerned that this will impact my ability to still purchase this car in accordance with the original tentative terms of the loan. When I asked for permission to record the call with the first agent after she said that she could not provide written evidence, the agent denied permission.

Company response to consumer: Closed with explanation