BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: Social Finance, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/22, my wallet was stolen at my job by a new employee, I later found out she took it and filed a police report also disputed the transactions with all card issuers. SOFI had 5 transactions I needed to dispute totaling {$460.00} and they refunded me one of them within XXXX  days, but the other XXXX that totaled hundreds of dollars they said on the tenth business day that no error occured. I filed a police report this lady is in XXXX for debit card abuse and they refuse to look farther into my disputes and refuse to even acknowledge that this woman took all my money and XXXX says I took all necessary actions in the police report and filing charges, requesting a refund for the XXXX and disabling ym card and ordering a new one the same day as the problem occured. But today is the XXXX business day and I asked for a temporary provisional credit while they investigated and they closed my XXXX disputes saud no error occured and won't answer my emails or return my complaint calls. So now that woman may get the charges dropped even tho there is physical video evidence she used my card the bank won't say it was unauthorized because I want my money back from them and they won't respond to me when I request the paperwork they used to determine no error occured when clearly it did or the police wouldn't have arrested her

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2017-06-29
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This seems to be the only way I can get a response out of Wells Fargo, I do n't have access to my account, I have tried writing to the following email address they gave me : XXXXXXXXXXXX but I never get a response. I have tried TTY and using an IP Relay but we either get disconnected, ca n't get through to a person, the customer service agent does n't quite get IP Relay or gets frustrated, etc It 's a never ending stream of problems trying to contact Wells Fargo. I 'm XXXX and XXXX, whenever possible I prefer online correspondence but Wells Fargo is n't on board with this century I guess. In any event in XXXX 2017 I opened an account with Wells Fargo because of a promotion they were running, in XXXX 2017 I got a settlement check from an ADA lawsuit, it was too large to do via mobile deposit so I sent it to a friend to deposit on my behalf because there is n't a branch anywhere near me, I ca n't drive/do n't have a car, getting out is extremely difficult, and so on. So far no problems but then without warning Wells Fargo freezes my account with no explanation as to why, I ca n't get through to find out how to resolve it, I have offered to send them my SS, birth cert, bills with m address, etc, whatever they may need to identify me but the few times I 've gotten a response via BBB or letter in the mail they only say that they ca n't help me until I come in. Even though I have explained over and over again that I PHYSICALLY can not come in, it is an impossibility and they have offered zero alternative. Because of the numerous problems I have requested that they send a check for the remaining amount in my account ( {$4000.00} ) and close the account. I paid a guy {$50.00} to come to my house and notarize all of Wells Fargo required papers to close an account without coming in. Exception Payments contacted me via mail to tell me that more information was needed, they suggested I either come in or contact at XXXX, as explained multiple times over there is no way shape or form that I can physically go in to a branch so I tried calling the number via IP Relay and could n't get through to anyone. I have mailed them a close request once again, it was sent with the notarized form that they require, as well as a copy of my XXXX ID and birth certificate. What they are doing is wrong on so many levels, I 've never had so many problems with any bank or institution. <P/>I just want my money sent to me and the account closed, I have no intention of ever doing business with Wells Fargo ever again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Jon Barry and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i notice on my credit report on XX/XX/2021 that PARAGON REVENUE GROUP had some negative items reporting that i dont owe or have no business with. they are reporting 9 alleged debts of : {>= $1,000,000}, and XXXX. I don't know where these debts come from and they are ruining my credit and keeping me from getting thing plus causing me XXXX and XXXX  from not getting anything with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: WA
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:
Summary : Equifax is reporting to Fico that I have a recent missed payment when i dont. 

Background : i filed a dispute on my credit report with Equifax several months ago. Equifax investigated and as a result of their investigation, that disputed account was updated. The problem then started. The updated date on the disputed file made it appear as though it was recent even though it was XXXX years old. I have made multiple subsequent disputes with Equifax and they have not fixed it. I spoke with them over the phone and even said they could see that the file was old and no recent missed payment was on my file, but it was still reporting to Fico that it's recent. They even advised me to speak with Fico directly. I spoke with Fico today and they said they can see the " recent missed payment '' affecting my score negatively but coukd not find any recent missed payment. They directed me back to Equifax. This is why I am here. Both Fico and Equifax have verbally told me there is something wrong but neither can fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: NATIONS LENDING CORPORATION
State: RI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Nationals pending corporation Account opened XX/XX/2021 Nations lending corporation has failed to follow Federal Laws 12 U.S.C. 1831n ( a ) ( 2 ) ( A ) and/or 12 CFR 741.6 ( b ) regarding General Accepted Accounting Principles and Generally Accepted Auditing Standards concerning this loan. 

The Alleged Borrower truly provided the money, transfer of funds money equivalent, credit, funds, capital, or thing of value and Nations lending Corp pursued to securitize it! 


Nations lending corporation converted the Alleged Borrowers promissory note, accepting the Alleged Borrowers promissory note as money or like money to fund a check or similar instrument that the Alleged Lender then lent to the Alleged Borrower ( which has an economic effect similar to stealing, counterfeiting, and swindling.

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 2017-06-29
Company: Social Finance, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance mortgage with SOFI ( # XXXX ) and was declined last minute via phone call. I spent nearly 3 months with them submitting documents and sometimes waiting weeks for a response. After the last call from my processor ( XXXX XXXX ) I did not received any other communication from them. I recently learned SOFI called my property insurance company, XXXX, in XX/XX/XXXX and  requested they change the Mortgage Company to SOFI and  to send the bills directly to me. Due to this error by SOFI, I just received a notice of cancellation from XXXX. My current mortgage company is XXXX XXXX XXXX and I pay escrow for taxes and insurance. XXXX stopped billing XXXX due to SOFI 's request. XXXX has been using a 3rd party showing my insurance was past due and has been paying it monthly but they have been paying late. Therefore, XXXX sent a notice of cancellation. I also learned that SOFI requested an expedited payoff demand from XXXX and I was charged {$30.00} for the request which was refunded to me by XXXX after I explained what happened. I am complaining to the CFPB because SOFI 's actions do not seem right. I also find it hard to accept that XXXX would make such a change without my knowledge. I do not believe SOFI followed current TRID rules as I understand them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions 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:
I was notified on XX/XX/XXXX that my Experian  credit score dropped by 25 points and my credit rating went from fair to poor. After researching my credit report I noticed that an old credit card account from XXXX XXXX  was now listed on my credit report twice, with the same account holder, account number and contact info. I am attaching screenshots that show the duplicate records. One key difference between the two duplicate records however was my payment history. The original entry on my credit report had my 3 years of on time payments for that account between XXXX and XXXX. The new duplicate entry did not have any of my payment history and simply had that it was a charge off. 

This duplicate entry on my credit report caused my credit rating to drop and my credit card FICO scores are now in the XXXX range. 

I submitted a dispute on the Experian website to address this duplicate entry on my credit report the same day on XX/XX/XXXX. After two weeks without a response I contacted Experian via their phone number and spoke to a representative that told me he would help get the duplicate removed from my credit report. 

What actually happened is that Experian deleted the original record with my 3 years of on time payments and instead kept the duplicate record that did not have any of my on time payments. 

I simply want this account to be accurate on my credit report and listed only once with my payment history intact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with Loan Care has been a horrible experience. They regularly try to charge late fees when payments are on time and can be verified through my bank 's online payment records. It is a continuous problem. I decided to refinance through XXXX XXXX and Loan care was paid in full on XX/XX/2021. Loan care verified this a week later, but will not respond to my repeated requests to return my escrow account balance. If one checks their record with XXXX, Loan Care has been stealing escrow account balances for years!!! How can this be?? They owe me {$3300.00} and refuse to communicate. My Loan Care account number is XXXX This criminal enterprise needs to be shut down and make good on all the funds they have stolen from hard working families!! Please help ... ... Thank You ... ... 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 2022-05-03
Company: Experian Information Solutions Inc.
State: MA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXXXXX XXXXXXXX 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 2019-07-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/19, I settled a XXXX XXXX account in full. I owed {$5500.00} and paid {$2400.00}. I have a letter that says this is settlement in full, however, my credit report is showing I still owe a balance. Experian investigated but says my balance is still {$3100.00}. Even after I provided the letter as proof.

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 2017-06-29
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Number has been repeatedly calling my parents land and cell phones daily for the past 2-3 months, including today. I have never used their phone numbers on any applications, or provided them as a method of reaching me. Company is harassing them to reach me when they were never listed on any information provided in original 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 2022-08-13
Company: EQUIFAX, INC.
State: NC
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 a accordance with the fair credit reporting act XXXX account # XXXX below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Phoenix Financial Services LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Phoenix Financial Services is attempting to ask for payment for a debt that is not appropriately described. I do not know what the service they demand payment for is, and I can not fathom how they are allowed to attack my credit and good name with this slander.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: ERC
State: WI
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. Also, I am aware that the credit bureaus have been given an additional 15 days due to COVID-19 and that time frame has also passed. I have not received any investigation results and it's well past 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: FIRST HORIZON BANK
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I got approved for a sba loan in XX/XX/XXXX. I got one in XXXX also and it went to first horizon bank in XXXX. Since then my account with them has been closed since XXXX. I didnt get the government my new account information in time so the funds were deposited to the closed account on XX/XX/XXXX. I told the loan provider and they said since the account was closed it would be rejected and they would put it in my current account. Days went by and the loan provider still havent received the funds so I decided to call first horizon to see if they had the funds and they said they did have the funds and they were available. They told me to download the banking app and I could see it. I asked them why they would open an account that have been closed over a year without my permission and they could not tell me.So I opened the app and it said my account was XXXX XXXX dollars negative so I called back and they said it was a hold on my account and cant tell me why and someone would call me. No one ever called me So today XX/XX/XXXX I called at least 4 times and they told me the same thing so the last time I told them Im not getting off the phone until they tell me why they are holding my money and they said they were sending it back I said when they said they could not tell me that all they know is that they are sending it back I said why would ya open account take money I owe ya and then put the account on hold to prevent me from getting the money and then tell me ya sending it back. Its been there since the XXXX and he said cause he can. I have a new address but the same number no one ever contacted me. So they have my money and wont release it and wont tell me when they are sending it back reopened the account without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2017-06-29
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Back in XX/XX/XXXX I requested a {$2900.00} Balance Transfer be made to XXXX 's. <P/>I have been advised that this payment has been made to XXXX 's but they state that this payment has n't been made or at least not posted to my account ending in XXXX. <P/>I have requested on several occasions a copy of the payment so that I may forward this to XXXX 's to get this cleared up. <P/>It has been 4 almost 5 months and nothing but I am being charged this amount on my monthly statement as having been paid. <P/>I need to show proof to XXXX 's so they can get this payment posted and fees adjusted to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22
Company: Duncan Solutions, lnc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
During the pandemic, the XXXX XXXXXXXX XXXXXXXX XXXX were unmanned and an XXXX was required or exact change in quarters. As I rarely travel on toll roads, when I did, I would not have the exact change and so intended to pay the tolls online. The notices slipped through the cracks as I was still moving households and paperwork was scattered. I would like to pay all the tolls but object to the usurious fees and fines and now my account is in collections. Can you please help resolve?

Company response to consumer: Closed with explanation