BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: GA
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 Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX CXXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : 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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : 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 2018-02-21
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently filed a complaint ( # : XXXX ). Company agreed to " contact our client XXXX and they have agreed to write off the outstanding balance. We have removed our credit reporting entry and cancelled the account from our system. '' This has not been removed from my credit report, at all. 

This is not my debt, and I do not owe it. It should not be written on my credit report, and the company agreed to remove it. However, they have not kept up with their promise to remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I been trying to get a loan modification with well fargo bank for the last 3 yrs.it 's look like they 're do n't want to work with me.I feel that i 'm making enough money to work out this problem.please I need help to try to keep my home.thanks.

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 2022-10-26
Company: Affirm Holdings, Inc
State: NJ
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 ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15USC1681 SEC 602 STATES I HAVE THE RIGHT TO PRIVACY UNDER 15USC1681 SECTION 604A SECTION 2 UNDER CONSUMER REPORT AGENCY CAN NOT FURNISH ANY ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS UNDER15USC1666B A CREDITORMAY NOT TREAT A PAYMENT, CREDIT CARD UNDER A OPEN AND CONSUMER PLAN LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: OPTUM BANK, INC.
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2002, I tried to invest {$2000.00} in mutual funds from my XXXX account. They removed the money from my cash account, but never put the money in any investments. My cash account is down {$2000.00}, and my investment account is still {$0.00}. There is {$2000.00} missing. This has put my cash account into the negative, which means I can not use my XXXX funds to pay medical bills. My medical bills are piling up, and aren't getting paid. It is all Optum 's fault. 

I've called/chatted with the company 10-15 times. They keep saying they will fix it, but they haven't. They say they will call me back, but they don't. I feel like I'm at a complete loss of options for help at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back in XXXX fraudulent charges were made to my account. I called Capital one and explained I did not make these charges. They opened a fraud investigation my money was returned however they are claiming the merchant refunded me as well which they did not. The so called merchant was using XXXX as a cover for their activity. Now here it is XXXX and the bank took two withdrawals in the amount if XXXX and after some debating will not put it back. They treated me like I was doing something wrong and now I feel my money is no longer safe with Capital one 360

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Bread Financial Holdings, Inc.
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
This issue involves a company called www.billmelater.com I was alerted last year that someone had taken out a line of credit in my name with billmelater in 2012 and had run up a bill of about {$400.00}. I was told to fax a FTC Affidavit to XXXX and I did that and I was given the name of a XXXX XXXX at XXXX XXXX to call but I have never been able to get her on the phone. I would like this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, Amount {$670.00} has violated my rights. 

15 US 1681 Section 602 A. States I have the right to privacy.

Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My daughter has a auto loan with Santander, she has had the loan over XXXX years. She still owes as much on the loan as she originally paid for it.. Her interest rate is 20.76 %. She was approved for a loan she could not afford. I have talked with XXXX XXXX at Santander and I talked with the woman in charge from the office of their president. She said no they could not help. They also refuse to refinance their own loan ... I asked for forgiveness on the late charges. answer was no. I asked to refinance, answer was no. i have helped her and she is now up to date. She signed this loan agreement. she was foolish. However i do feel like this company is taking unfair advantage of people. High interest rates. I wish they had just turned her down for a loan. I do not think she fully understood the terms of this loan. However no one twisted her arm. she was just stupid, and that hurts. Predators take advantage of stupid and foolish people

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
It was never explained to me how a simple interest loan repayment plan works from the dealership where I got the car. 3 years of payments and near $ XXXX later, I 'm told that a majority of the funds I have paid went to paying interest per day accrued rather than to the principal balance! Now they say I owe $ XXXX on an original $ XXXX loan from 3 years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Transunion about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? After doing so you will see that it is false to report I was late on XX/XX/2020. Please update and correct my account right away. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I dont recognize an account and it appears as derogatory and in collection resulting in adverse impact top my credit score.

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 2015-12-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check from an inheritance in the amount of {$380000.00} in my checking account at Wells Fargo on XXXX XXXX, 2015. The bank put a 10-day hold on it. According to the attorney that sent me the check, it cleared that night. Wells refuses to release the hold until XXXX XXXX, even though they already have the funds. They insist that they need to verify the funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ShellPoint Mortgage servicing website is always not working. i tried to make a payment 3 days in a row and couldn't because the website was down. but they expect people to make on time payments. This is settling people up for failure.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have requested information /validation on this dedt bearing my signature and have not received anything stating that owe this company and money, they have repeatedly respond stating that they investigate and verify the validity of my dedt and do n't even allow me to dispute there claim I have never signed a contract, nor do I owe thme any money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Due to Covid related reasons, I had to leave my job in XXXX in XX/XX/XXXX and I moved to a new location farther than 25 miles from the gym. I sent XXXX an email on XX/XX/XXXX after repeated calls explaining this information. See this email attached. XXXX did not respond to these calls or emails. The next communication from XXXX is on XX/XX/XXXX about their plans to reopen. I reply to this email. Again explaining my situation, and receive no response from XXXX. Now, in XX/XX/XXXX, I have received two separate bills relating to XXXX. One claims I own {$240.00} the other instead claims that I own {$140.00}. I had a valid reason to cancel my contract in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Tri-Emerald Financial Group, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance with Lendplus XX/XX/2020 and was told by XXXX XXXX that the process would take around 2-3 months so I assumed that the rate lock would reflect that. The delays are now being blamed on me when that was not the case. I have always turned documents around within 24 hours. The documents they are stating was delayed were the ones requiring wet signature which they first said they could use docusign for. Later, they said they couldn't take the docusign and I needed to produce a wet signed document. They blamed this week for the rate expiring even though they said they were swamped with refi processing and the process would take up to 3 months. As a result the closing documents do not reflect the points I initially would have to pay. At no point until i received the closing documents did they tell me that the points cost to extend would be passed to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section XXXX ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( XXXX ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, INC.
State: GA
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:
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 I 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 Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please deleted the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Paypal Holdings, Inc
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an item through paypal back in XX/XX/2022 and i haven't received my item and paypal says i can't get a refund can you help cause i have tried it cost me {$63.00} dollars and i could sure use that money thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 have a total credit limit of approximately {$100000.00}. I have established credit since XXXX. Since that time, I have never missed a credit card payment. 

I acquired XXXX in the month of XX/XX/XXXX. 

My credit report shows that I am delinquent for one month with my XXXX credit card the month of XXXX. 

My FICO 8 scores before this were : XXXX, XXXX and XXXX. 

Now they have dropped 100 points. 

Given my record and history of excellent payment, and also when I learned about the little apparent late payment with XXXX / XXXX, On XX/XX/XXXX I made a full payment in the amount of {$2500.00}.

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 2016-09-07
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Wells Fargo in XXXX MN. XXXX XXXX XXXX ) over road my signature on a refund escrow check and decided to give my ex-husband half. Which he was not entitled to by our divorce decree. Wells Fargo in XXXX XXXX then excepted the other half as a deposit and entered my account without my knowledge. XXXX XXXX is a very good friend of my ex-husband and ex-brother in-law. Either XXXX XXXX did not give the full story to her boss or she was not given the full story. They did have a way to contact me and were trying to get away with theft and forgery.

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