BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: MS
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 noticed an authorized account that I do not know of on my credit report via Experian. Therefore, I started a dispute with them. I submitted a dispute with Experian on XX/XX/XXXX and was rejected due to a lack of supporting documentation. On XX/XX/XXXX, Experian requested that I upload supporting documents to verify my identity because this is an identity theft case. After countless attempts, I was able to upload the XXXX police report, which specifically stated that my identity was stolen, a copy of my driver 's license, and a bank statement. The company completed the dispute on XX/XX/XXXX, and they will not remove the account, and I wasn't provided with any reasons as to why they rejected my dispute. I contacted the company on XX/XX/XXXX because I wasn't clear on the dispute result and was having concerns related to their investigation. I spoke with a fraud specialist named XXXX, and she wasn't able to provide the investigation result on my dispute as requested. She also stated that " Since Experian is a third party company, the creditor ( XXXX XXXX ) do not have to provide any documentation to prove that it belongs to me so that it stays on my credit report. '' On the other hand, as a consumer, I had to go through hurdles to prove that my identity was stolen and still got rejected from the company without proper explanation. I've requested to speak to XXXX 's manager, XXXX, but she refused to transfer or connect me with him or someone who could help me better. She stated that she would request for her manager, XXXX, to return my call within 24 hours. Until today, no one from Experian has attempted to contact me via the number provided. Experian, however, sent out a generic email as a response without any further explanation as to why my dispute was rejected. My score for the other two credit bureaus is much higher because I do not have any delinquency. Because of Experian, I've lost a job opportunity, and it is preventing me from purchasing property.

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 2022-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
A credit card from Capital 360 was opened in my name. I contacted them and had them close the account and set an alert. 

I also put a Credit Freeze on XXXX, XXXX, and XXXX. 

What else do I need to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: MARINER FINANCE, LLC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bill was due XXXX XXXX. Calls were made 3 times including a call to my office of employment. 
Because the statement gives multiple date payment options, I should not be called until the XXXX option timeframe has expired.

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 2020-09-29
Company: Tally Technologies
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Roughly 2 years ago, I signed up with a company called Tally to chip away at some credit debt I'd racked up in college. The first round was successful and I paid everything off in full. I thought I was done with Tally as everything has been paid off ... ... 

About a year and a half later, I had some more credit card debt I was getting ready to enroll in a similar company ( they were offering a better service for CC debt repayment than Tally ). 

Before I could enroll my CC debt with my chosen company, Tally AUTO-DRAFTED 100 % of my personal CC debt from my bank account into an account with them! ( Without my active permission of course. ) Since then, I've been actively trying to get Tally to REVERSE the enrollment so I can handle my CC debt on my own terms ... 

I've contacted my bank, I've contacted Tally 10 's of times, even my chosen debt relief company to see if they can intervene somehowall to no avail. 

The worst part is, over the past 6 months of actively trying to get this resolved, Tally has been reporting negatively on my credit!!!

I have more than 9 late payments and 4 negative marks on my credit due to Tally NOT AGREEING TO REVERSE THEIR AUTO ENROLLMENT AND REFUSING TO ADDRESS MY SUPPORT REQUESTS!!! 

It's been incredibly frustrating and of course the damage to my personal credit score has been detrimental ... Hoping to come to a resolution here ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am getting daily phone calls from Hyundia credit about a nonpayment on late fees for a car loan and have requested that I do not be disturbed during Sundays - Dinner time or after evening hours and they keep harnessing me about a {$64.00} dollar late fee. I have requested several times that I am making my car payments and each month but this harassment continues for a mere {$64.00}. I need someone to intervene on my behalf. The phone # they are using is XXXX. I will sue them if I have a legal concern

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Upstart Holdings, Inc.
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan on Upstart 's website on XX/XX/2022, after receiving several correspondence from the company, informing me that I was pre-approved. That same day I was preliminarily approved for the loan. On XX/XX/2022 Upstart 's Loan Operations sent me an email requesting my most recent bank statement. I uploaded a copy of the bank statement later that day. On XX/XX/2022 I received an email from The Upstart Team informing me that I was approved for the loan. I was instructed to log into my account to review and accept the final terms. On XX/XX/2022 I logged into my account and submitted the first form. I immediately received a message in my Upstart message box informing me the company was not able to offer the loan to me at this time. I immediately called the company and spoke with a woman named XXXX. When I asked XXXX why I was denied the loan, a day aftyer being told that I was approved, she informed me that they company found a " new loan '' from XXXX XXXX  XXXX XXXX ( " XXXX '' ) on my credit report. I advised XXXX that I obtained the loan from XXXX over a month before I received the loan invitation from Upstart. XXXX said the company can not approve my loan. I then spoke with XXXX 's supervisor, XXXX, and I reiterated what I told XXXX. XXXX put me on hold to check with a Credit Analyst. When XXXX returned to the line she told me that I did not disclose the XXXX XXXX XXXX I informed XXXX that I completed the Upstart application in full and the company checked my credit immediately afterwards. I did not apply for any new loans since applying for the XXXX XXXX XXXX  XXXX said Upstart did not notice the XXXX XXXX XXXX before sending me the loan invitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They are reporting that I owe thousands of dollars for rent for a based on income house if that I was living at for free. This is Tremendously devistating and brought my credit down. I have request validation multiple times n have not received it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I refinanced my loan -- and, the closing documents did not include a date when the date for rescission expired. As a result, my period for rescission, under Reg Z, was extended to XXXX years. In XXXX I sent Bank of America a letter of rescission, and received a letter back from their attorneys denying the rescission. 

In XXXX of XXXX, the Supreme Court in XXXX versus Countrywide ruled that the only thing required to rescind a loan, is a letter stating that the consumer is rescinding the loan. At that time they have a 20 day window in which to file an opposition lawsuit -- and if they do not do that -- the Supreme Court states that the loan is rescinded by operation of law. Bank of America did not rescind my loan, and subsequently conducted an illegal Trustee Sale, and an even more illegal 3rd party sale of the property to XXXX. 

I am now fighting an illegal eviction from a party who, according to the Supreme Court, can not possibly 'own ' my home!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-08-03
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On Thursday, XXXX XXXX, 2015, I completed an on-line transfer of funds intended for a receiver in XXXX in the amount of XXXX. I received notification that my transaction was on hold. The reason given was that the receiver 's name was similar to someone in the system that was n't allowed to use any financial institution. It was requested that I send in identification information for the receiver along with the receiver 's relationship to me. When I explained that I did not have the receiver 's ID info ( photo of driver 's license ), the conversation changed. I was told that WU could not refund my money until they had that information. I requested at that point that the transaction be cancelled because I did not have that information nor should WU demand that " I '' get that for them. Now, after several attempts to speak with someone that could handle this situation, I still have no resolution and my money has not been refunded to my account. WU continues to demand that I send in the receiver 's information because of government regulations/investigation. I was speaking to a customer care rep that actually hung the phone up in my face as I was trying to get more information and understand why my funds could not be released. I am extremely frustrated and disappointed that WU would require me to send in someone else 's information. According to the terms and conditions for residents in XXXX, refunds should be made within 10 days. It is now Monday, XXXX XXXX, 2015, and I have no resolve to this situation. Refunding my money should not hinge on someone else 's situation. I provided WU with my information. I was made to feel that I was being investigated. I simply sent money to a person. I have nothing to do with the situation that I 've been thrust into. Every time I call WU, I am on hold for a very long time, then when someone answers I am transferred to another department and all I get is the run around. I 've received different information from everyone I 've spoken with. It is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Issue: Credit determination

Complaint:
On XX/XX/2016, I applied for a credit card from Wells Fargo since I have a checking account with Wells Fargo that both of my XXXX retirement checks are direct deposited every month. Application # XXXX. I was denied an unsecured credit card but offered a secured credit card. I applied and the bank said they were unable to verify my identity. They instructed me to go to a branch with my proof of identity and have a banker fax it to the credit department. I did that and was again denied because they claim they are unable to verify my identity. I sent corporate office in XXXX XXXX, California a complaint via certified mail, and attached copies of all my identification which was delivered on XX/XX/2016. They did not respond. On XX/XX/2016, I called Wells Fargo Executive Credit Cards at XXXX and spoke with Sue. She said that she would check into it. We spoke the next day and she told me to go the branch and have manager, XXXX XXXX scan XXXX documents that Sue requested so I would be approved. 2 days later XXXX told me that they still can not verify my identity. I was extremely frustrated with Wells Fargo and on that same day I applied for a credit card from XXXX and was approved. I believe that Wells Fargo Bank has discriminated against me because I am XXXX under Federal Law and because both of my incomes are XXXX retirement incomes, which are direct deposited into my Wells Fargo checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent the naval federal credit union statements showing late fees and they have not confirm receipt as request and they keep stating i have not provided any or responded to their request when I have more than once and I more than one, the change the credit term about a loan I requested, they have done nothing to get the unfair reporting to the credit company which has been add to my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, my mother obtained a Pick-a-Payment loan with XXXX XXXX/Wachovia. Shortly thereafter, I believe it was XX/XX/XXXX, a class action suit was brought against XXXX XXXX/Wachovia as such a loan was illegal. As part of the required settlement agreement, mortgage lenders were supposed to work with the homeowners to modify their mortgage loans. My mother has since passed away and left the property to me as listed in her Living Will. Wells Fargo has since taken over the XXXX XXXX/Wachovia mortgage loans. They refuse to modify my loan and or change it into my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a Discover it card since 2012, and I always follow their rules and regulations. My credit score is excellent, I have XXXX late payment, and I even have a Discover saving account with a good amount of money. 
However, they closed my credit account without any notice. Then, their customs service did not want to give me any reasons for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I returned my leave vehicle to Kia Motors in XX/XX/XXXX. Kia Motors never sent me a final invoice. In XX/XX/XXXX, I received a note Dated XX/XX/XXXX from Kia Motors Finance telling me how much I owed. That same month, Kia Motors Finance reported me to the credit bureaus as being XXXX days past due. My credit scored dropped XXXX points. I called Kia Motors and paid in full. Then on XX/XX/XXXX, Kia Motors Finance reported me to the bureaus again as being XXXX days past due even though my account was {$0.00} and closed. My score dropped another XXXX points. I called Kia Motors Finance back and they said that I just have to wait. Mind you that I need a very good credit score for my security clearance. Kia Motors Finance acted as if this drop in credit score, which was caused by the company, was not a big deal. Well, it is a big deal for me and I have no idea when my score will go back to the original score, which I monitor closely as it is a must for my employment. I filed a dispute with XXXX and XXXX and they both informed me that it is up to Kia Motors Finance to rectify the issue and that my score will most likely not go back to what it was. Now, I am stuck with a poor credit score, which puts my security clearance at risk, all the while, I owe no money to Kia Motors Finance and I never received an initial final invoice from the company. Pleas help as my employment is on the line. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I PUT A CREDIT ALERT ON MY CREDIT FILE, AND SEVERAL INQUIRES HAVE BEEN REPORTED ON MY REPORT THAT I DID ; NT APPLY FOR OR AUTHORIZE..CREDITORS ARE SUBMITTING INQUIRES MULTIPLE TIMES SOME AS MANY AS 4, BUT I DID'NT AUTHORIZE IT..I HAVE CONTACTED COMPANY 'S AND ASKED THEM TO PLEASE REMOVE THESE INQUIRES THAT I DIDNT NOT APPLY FOR NOR DID I AUTHORIZE..HAVE CONTACTED CREDIT BUREAUS ON SEVERAL OCCASIONS AND STILL TO NO AVAIL..THEY HAVE REMOVED THESE FRAUDULENT INQUIRIES..I 'VE CONTACTED ALL 3 BUREAUS..BUT THE MAIN ONE IS TRANSUNION..

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 2016-09-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, I have a mortgage with Wells Fargo. Recently, I learned that my condominium association provides full " walls in '' insurance on my condominium unit. I cancelled a home owners insurance policy for my property with XXXX XXXX and soon after I received notification from Wells Fargo that I needed to submit proof of coverage as part of my mortgage requirements. Over the last few months, I submitted this proof, provided from my condominium association 's insurer three times through Wells Fargo 's online submission website and mailed in the same proof two times. I also called Wells Fargo on three separate occasions to confirm they received this information. After continuing to receive letters from Wells Fargo saying that I lacked coverage, this week I received a letter informing me that Wells Fargo had purchased an insurance policy for me in the amount of {$60.00} to cover my condominium. 
I completely understand this is a menial amount of money, but after reading about Wells Fargo 's settlement with the CFPB regarding unauthorized accounts, I ca n't help but feel Wells Fargo is probably engaged in other dubious practices throughout their organization. 
Thanks, 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 2022-05-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received notice from TD Bank that my checking account had insufficient funds to cash a check. I realized i do not have a checking account with TD Bank. THey said someone had used my social security # falsely to open an account. The fraud department closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I complained about this company, Experian, before and the company claimed that they would look into it, but did not provide any proof that they have any information showing that my credit is still linked to XXXX prior addresses. I have asked repeatedly that the old addresses be removed and they refuse to do so. This is prejudicial to my credit and this information needs to be removed immediately.

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 2016-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I received the results of the Transunion investigation about XXXX XXXX 2016. Today, a few minutes ago, I contacted TU customer service because the results notice had no phone number for me to call to find out how I can request a description of how investigation was conducted with business name, address, and number of source of info. Also I have no idea how to add a XXXX word statement to my credit report. The TU customer rep said TU has no info about the investigation and I should call the CFPB.

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