BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: NV
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Fell behind on payments. After 90 days we received our {$1000.00} payment back, and spoke with XXXX XXXX. He managed to lower the actual owed amount to under {$300.00}. Since then I have not spoken to the representative more than once. I had to fill out XXXX modification packets. On the first XXXX we mailed and faxed, they claimed they never received or lost some of the paperwork. They 're excuse was that they had multiple offices and the paperwork could of gotten mixed up. I 'm in the process of doing it a third time, but all electronically with help from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX/XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 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: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I ve just received my credit report and noticed unauthorized items that shouldn't be reporting to the credit profile. These have been rough times during the pandemic and I'm tuna get to the bottom of the situation

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 2016-03-16
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
In 2011 we refinanced our home with TD Bank. They paid off the old mortgage company loans we had with XXXX and I have proof of satisfaction from XXXX. Recently we started a VA loan refinance but a few day before closing the new mortgage company informed us that TD Bank never filed the deed with the city of DC so they can not close until TD Bank fixes the original loan and files it with the city. When I call TD Bank I can not get any answers as to why the TD Bank refinance did not close with a Deed filed. We are now past our lock date with the new company and we had a really good interest rate VA load approved. I can not seem to get to anyone high enough at TD Bank to fix the problem so we can continue our current plans and the longer it take the more money it 's costing us due to TD Bank 's original error in 2011.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Between XXXX XXXX and XXXX XXXX 2017, Citi did not send me emails notifying me of a statement available on my account, in violation of the Fairness in Lending Act and their Paperless Terms & Conditions. Citi has reported delinquent non-payment during this period to the credit reporting agencies. This card was not linked to my online account during at least this time period, potentially even longer. No balance due was visible to me, and I was not able to access current or prior statements online. Thus, emails regarding statements which were actually sent about or after this time period did not materially provide a statement. They only contained a link to my online account which this card was not linked to. When I called Citi on XXXX XXXX, 2017, Citi was unable to confirm an amount due against my card. Citi never alerted me to : the original balance due, a failed AutoPay, my removal from AutoPay, or a deliquent balance. Citi failed to adequately contact me by email, phone, or mail regarding this issue. The attached emails constitute the entirety of email communication from Citi regarding this account between XXXX XXXX - XXXX XXXX, 2017. Citi has claimed to have contacted me via mail which is false. The only potentially related contact I have are identical voicemails on my phone from XXXX advising me, at their most explicit, to " login at www.citicards.com and review your account status ''. Which I did. Which again did not show any balance due or problems with my cards visible there. I informed Citi of the missing statements on XXXX XXXX2017 which meets the deadline under the Fairness in Lending Act.

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 2016-12-01
Company: WELLS FARGO & COMPANY
State: NM
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo reported on my credit report falsely. They claim I had a missed payment of {$0.00}. I want that removed, since I never had any missed payments.

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 2022-05-25
Company: Experian Information Solutions Inc.
State: TX
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/22, I received email correspondence, from Experian, stating that their investigation into my consumer dispute was completed. Per Experian 's correspondence, they state that their " role in the dispute process is to review the accuracy and completeness of any disputed item. '' According to Experian 's written notification, they did not do this. On XX/XX/22, I looked at the results provided by Experian and I immediately called Experian customer service to find out why my credit report " still '' contains inaccurate information, after I, the consumer, told them the information was in fact in accurate and I supplied proof of inaccurate reporting via paid receipts. The agent on the phone ( XXXX ) was extremely rude as I explained that I have already submitted a dispute regarding 2 accounts that were inaccurately reporting. I asked to speak with a supervisor however XXXX threatened to release our call several times until I explained that continuing to report these inaccuracies on my consumer report is illegal, pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and it states " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate. The way I was treated was unacceptable. I was harassed and I felt threatened. The information that I submitted should have " modified '' the 2 accounts that are currently inaccurately reporting, " and '' I should not feel as though I can't trust Experian with my personal and private information. I feel that my privacy is being violated and unprotected as a consumer. I am submitting my complaint, and documented proof for a correction to my consumer report. If not, I am prepared to take further action, as this is clearly breaking the law.

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 2016-07-29
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My auto loan has showed up on my credit report from XXXX. This was a loan that was payed off in full by my insurance company " XXXX '' because my husband was in a car accident that resulted in a total loss. My insurance company paid what TDBANK said was a full payment for the vehicle before XXXX/XXXX/2012. TD Bank is reporting on my credit that there was {$290.00} owed and finally charged off. I received NO information about this or would have realized this sooner. This is greatly impacting my credit report because it was an auto loan. It 's fraudulent. I called TDBANK about it yesterday XXXX and they said I would have to contact you and file a complaint and have you investigate it. I sure wish I had realized it was on my credit report years ago!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Spring Oaks Capital, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: TN
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 recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.

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: Experian Information Solutions Inc.
State: FL
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 CREDIT SCORE WITH EXPERIAN WENT DOWN, UP, THEN DOWN EXACTLY XXXX POINTS EACH MONTH. I CALLED THE NUMBER SHOWN ON XX/XX/XXXX TO FIND OUT WHY AND SPOKE TO XXXX. HE TOLD ME THEY CAN'T GIVE ME THAT INFORMATION AND THAT I NEED TO HIRE A FINANCIAL ADVISOR TO FIND OUT WHY MY SCORE WENT UP AND DOWN EXACTLY 14 POINTS EACH MONTH.

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 2016-09-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
i have a visa debt card by wells fargo it was charged by clever bridge for panda sucurity.this is a new card i didnt give this new card number to no merchant to renew any product but yet they charged my account why? i gave no perrmission nor my card number so are you me? to give out my number and charge when you want?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Since XX/XX/2014 I have been in and out of work and have been trying to work out an agreement with Wells Fargo Mortgage. They bought my mortgage when XXXX XXXX was bought out. I have gotten the run around, lied to given unacceptable terms, and the delays in paperwork processing has ruined my husbands and my credit. I want this situation rectified immediately. I have had it with this mortgage and if I could take my business elsewhere I would.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was deployed to XXXX in 2012 XXXX XXXX - XXXX ). While deployed I was living near a local village and did n't have regular access to mail, internet or phone. I received a letter from my auto loan holder XXXX Navy Federal Credit Union XXXX that I missed a payment. I had setup the account to be paid automatically each month, in excess of the minimum amount, using my XXXX credit card. I called NFCU and asked them why and they told me over the phone that I was late and it was because of insufficient funds. I told them this was n't possible, I was deployed and had more than enough available credit to pay the auto loan monthly bill. I spoke to a manager who told me there was an error processing my card, and it was the bank ( NFCU ) fault, not my own fault. They said they were sorry and would delete the late payment from my records ( 30 days late ). A month later I checked my credit report and it was reported to the credit agencies. I called NFCU and asked them to remove it and they denied my request. I immediately asked what the total amount owed was and told them I want to pay off my loan in full. I paid off my loan in full that day because they could n't process my payments correctly. 

I have since submitted disputes with NFCU directly and with the XXXX credit agencies. I have not received resolution. NFCU will not remove the late payment report and neither will the agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and is attempting to illegally foreclose on my personal home by selling it at auction on XXXX/XXXX/2015. The direct violation of XXXX law is based on Wells Fargo improperly and unfairly reviewing my loan modification request for relief. I have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition, Wells Fargo has repeatedly denied me help and I never get a single person to answer my questions honestly or directly. They always have hundreds of people pass of my file amongst each other just to create motion and delays. I intend to keep my home and I meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take my home. Wells Fargo Mortgage illegally commenced and is conducting a foreclosure without attempting to find workout relief options for me. They have mishandled my documents and my file several times and failed to properly communicate with me throughout the process. they simply wish to foreclose and kick me out onto the streets. they have clearly violated XXXX specifically under the ''dual tracking '' clause. Wells Fargo instructed and allowed foreclosure trustee named XXXX XXXX XXXX, and XXXX XXXX to illegally start foreclosure on my property. 
The Wells Fargo and know your rights website gave the result that I am eligible for a loan modification with the lower payment to save my property. So there is no reason why Wells Fargo should have denied my request or started foreclosure on my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I got a Wells Fargo easypay instant card and added {$150.00}. I made one purchase at XXXX XXXX, the total was {$89.00}. When I tried to make another purchase at another site, a message came up that said that the order could n't be confirm.I obviously continue trying sense I know I had {$60.00} left. The same message would come up. I tried buying from other site within my budget and nothing.I went to the bank and ask what happen?. They would say that nothing was wrong with this card to call the companies. I knew they were lying because I have bought things from those same site using XXXX, or XXXX XXXX gift card. I know XXXX dollars is not a lot of money, I just wound what they were thinking, like that I was n't going to remember how much I put in the card. I can proof how much I add an how much I wasted.

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 2016-10-04
Company: WELLS FARGO & COMPANY
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
For an unknown reason my autodraft ( from my Wells Fargo checking account to my Wells Fargo personal loan account ) stopped. 

This resulted in ( 1 ) my loan payments being reversed ; ( 2 ) my losing the the favorable interest rate ( for being on autodraft ) ; ( 3 ) my account going delinquent and being sent into collections ( I never received noticed it went delinquent ) ; and ( 4 ) my payments accruing at a higher interest ( loans on autodraft are on a more favorable interest rate than those not on autodraft ) because my payments fell off of autodraft. 

I am told the payments were reversed because the payment was being drawn from an 'unknown ' account. Please note that this 'unknown ' account is the very same checking account that was used to set up my autodraft payments on Day XXXX. 

Because the autodraft payments stopped, I am now being charged a higher interest rate. I am told Wells Fargo can not refund the amount because by not being on autodraft, I no longer qualify for the favorable interest. 

Even though I never authorized the autodraft to cease, and the error was not on my part, I am told Wells Fargo can not refund me the difference in interest payments. 

I need someone to explain to me how this is right. 

I first need someone to explain to me how my checking account became an 'unknown ' account that led to my loan payments being reversed. 

At the end of the day, the difference in interest rate payments is very nominal - a few dollars. And literally at the end of the day that is all that will be because I plan to close all my accounts with Wells Fargo within the week. 

However, it is the principle - I should not be charged, fees, late payments, or interest for an issue that I did not cause or initiate. 

I am providing for your review ( 1 ) a snapshot of my WF accounts ; ( 2 ) the recent payment history that shows that my last XXXX payments came from the same checking account that is now 'unknown ' and resulted in my XXXX payment being reversed ; and ( 3 ) the loan statement that shows my payments being reversed. I did make a payment over the phone today to bring my account current.

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 2019-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
capitol one raised my credit limit after i told not to .now i have a bill i can never pay off

Company response to consumer: Closed with non-monetary relief