BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account shows that it is late I was 30 days past due. That is incorrect account was fraudulently used and I paid the balance in full once I was aware. The bank said if I pay in full I will not be reported negatively on my credit.

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 2017-04-29
Company: CL Holdings LLC
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Jefferson Capital Systems , LLC, still insists through   XXXX   XXXX   XXXX   XXXX  , that I should contact   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   in   XXXX   XXXX   Puerto Rico, on a  U.S. Postal Service C ertified Mail Received today,   XXXX   XXXX  , 2017 at our residence, that Monday through Fridays, from   XXXX   XXXX   to   XXXX   XXXX  , I should call them if I have questions, and they want me to pay the whole amount of   XXXX    dollars  XXXX  cents, letter received today included, is in  XXXX  in just one payment? But this account is under a certified payment agreement with the same   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX   XXXX   ), and today I made the fourth payment of this agreemen t at    XXXX   XXXX   XXXX   XXXX  , in   XXXX   XXXX   XXXX  , Puerto Rico, see included receipts. I was unable to contact the lawyers listed by   XXXX   XXXX   XXXX   as Jefferson capital Representatives, because not only I saw this letter today after arriving home after   XXXX   XXXX   and I should not wait for this until next Monday, but   XXXX   XXXX   is well aware of this problem, and they should contact Jefferson Capital also, but is not happening.   XXXX   XXXX   has another complaint here about this, number   XXXX   XXXX  , but this one I want to submit against Jefferson Capital and their representatives here in Puerto Rico.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: AL
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 Report act.

The List of accounts Below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 

List the account name here with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

2. XXXX XXXX XXXX XXXX XXXX XXXX has violated my Rights. 3. XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 4. XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a customer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is reporting information that was submitted with an identity theft report and police report. These fraudulent accounts/debts should no longer report on my credit file. 

If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )

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 2016-12-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Complaint to Finanacial Protectio Burau XX/XX/XXXX ( case XXXX ) in Spanish. 

WHAT HAPPEN In XX/XX/XXXX after to make my monthly payment on line I notice that I have an interest charge. Even that Wells Fargo Financial National Bank told me that I would get 0 % interest for the {$8800.00} corresponding to the cost of changing the widows of my house with XXXX. 

XXXX told me that they would offer special financing through Home Project loan from Wells Fargo Financial National Bank. 
I fill out the form in the second page of the application indicate Annual Percentage Rate ( APR ) for purchases 27.99 % and APR for Cash Advance 27.99 % ( attachment 1 ). I was asking about this interest and XXXX ( the home improvement salesperson from XXXX ( attachment 2 ). XXXX told me that if I do not use the card that interest will not apply. I never activate the credit card from Wells Fargo ( attachments 3 ). I never gave the account # to XXXX I am not sure how they got pay by Wells Fargo Financial National Bank. 

In the Wells Fargo Finantial National Bank application ( attachment 1 ) There is not any information about deferred interest. 

However in my statement of XX/XX/XXXX my balance was {$3600.00} plus a interest charget of {$3300.00}. I called to Wells Fargo Financial National Bank and they told me that this amount it was a deferred interest. I did not know what was referred interest. I went to Internet to understand about it this interest because I was not familiar with. 

In XX/XX/XXXX. I offer to pay my balance. XXXX Research Remedation Analyst did no accept it ( attachment 4 and 5 ). The new balance was {$6700.00} with extra $ 27.99 %. The new balance now according with Wells Fargo Financial National Bank now is {$5000.00}, XX/XX/XXXX. XXXX answered my previous complain case XXXX. In the second paragraph from " information about your account '' said : " On XX/XX/XXXX, a charge of {$8800.00} was made with special financing term od 18 months, No interest if Paid in Full, and Regular Monthly Payment required during the special terms period. You minimum payment amount WAS SET UP base off the AMOUNT of the total purchase and LENGTH OF YOUR PROMOTION. 

$ XXXX {$300.00} Minimal payment it was SET UP by Wells Fargo Financial National Bank and require 28.57 months period to pay {$8800.00} but they make the mistake and set up for 18 months. 

The last statement from XX/XX/XXXX my balance according to Wells Fargo is {$5000.00} ( attachment 6 ). Well Fargo make the wrong calculation to pay in full. With the minimal payment that tit was set up. My last payment in order to pay the original amount of {$8800.00} is XX/XX/XXXX for the amount of {$280.00}.

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 2016-12-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Usaa was contacted today via phone in regards to continued inaccurate reporting of data on my credit report with all XXXX credit bureaus. I was given the run around by the representing with no resolve. I was told there is no one or department that handles discrepancy in reporting credit. I would like the closed account that they are reporting with an increasing past due amount every month to show correct balance, which was the balance owing when closed and charged off over XXXX years ago in XX/XX/2011! This violation of my rights under the FCRA needs to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Lending Club Corp
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX of XXXX XXXX sent me a letter stating they have placed a Lien against my house. I have not received any notice company bought off the Lending Club loan that was charged off my credit report. XX/XX/XXXX I hired a credit repair company that did not process my case and charged me fees upfront without negotiating my debt and several of my accounts went into default. Since XX/XX/XXXX, these accounts have been charged off. In XX/XX/XXXX I received such a letter and have not received any correspondence on how to fix the issue. My children have recently heard or seen a nucence lady come to the door and ask for me but has not stated what business she has or will not leave a number or name. I understand I have gone in default on several loans but do not know how to make it right. I'm currently trying to refinance but am afraid this company is trying to block me from refinancing and there will not be a way to make things right if they have not followed the law by presenting the issue and allow consumers to make it right. Since hiring the credit repair company I have done all in my power to maintain my finances in line and pay off my debt. I believe this company has not presented its case in law that is fair to me as the consumer and there should be a way to take action again them, scare tactics are not an appropriate approach to making things right financially. 

Companies that may have purchased Lending Club loans are XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To CFPB Team : I am currently facing a foreclosure situation with Wells Fargo. I am in the 4th year of a 5-year Chapter XXXX plan to save my house. I encountered XXXX hardships during my Chapter XXXX falling behind mortgage payments but continuing to make Chapter XXXX payments. Wells Fargo has been running me around the loan modification request and review process for over two years rejecting every request to capitalize my outstanding mortgage arrears and reducing my interest rate from 6.25 % to a market rate. Despite countless material violations of California Home Owner Bill of Rights, TILA and RESPA laws Wells Fargo has now filed a motion for Relief of Stay and hearing is scheduled for XXXX XXXX. My family and I would love to keep the house and resume mortgage payments but we cant get a fair representation with bank or owners of note ( Wells Fargo sold mortgage to XXXX in 2012 ). We are desperate for a solution as I am the only income earner in the house and take care of my wife, ederly mother-in-law and XXXX children. IS there anything the CFPB can do to intervene on our behalf to stop or delay the foreclosure process. We want to keep our house and resume making mortgage payments but Wells is only interested in foreclosure at this point despite numerous attempts to request home loan modification.

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 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK DIVISION OF CHILD SUPPORT XXXX XXXX XXXXXXXX

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 2016-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I wrote Transunion and XXXX of my credit report and it was returned to me. I noticed several items that were on both credit bureaus that had a XXXX balance. Their is no reason in rubbing my face in the mud to the point I CANT get any type of credit and it saying on my report for 7 years. I do not owe these people and I have also went online and disputed every single one of them. If their is no balance why ruin me anymore. I am asking this be investigated and removed. Their is things on my report every since 1991. I Appreciate your help in this matter. THANKS 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 2016-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. The following accounts are unauthorized and fraudulent : XXXX XXXX Bank and XXXX XXXX Bank. The following court document is fraudulent as well : XXXX XXXX XXXX XXXX : XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX Bank

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 2021-05-24
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In a single day I am getting 8 calls and all for a person that I do not know and are now harassing me and want this unlawful behavior to stop. This is a mobile phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we sent a Notice of Error to Freedom Mortgage stating that a number of Principal Only payments were not credited properly as we could see from the Payment Schedule we requested.. They responded and sent a Detail History dated XX/XX/XXXX. From that we were able to find most of the payments, but some were still missing and 2 checks for {$860.00} were never credited at all. 

On XX/XX/XXXX I called Customer Service and spoke to XXXX, XXXX. He helped me as much as possible with the limited information he had available. He suggested I send in copies of the cashed checks. So, on XX/XX/XXXX we sent a Second Notice of Error stating we were still missing the following : XX/XX/XXXX {$800.00} additional principal ; XX/XX/XXXX {$800.00} additional principal, and XX/XX/XXXX check # XXXX {$860.00}, # XXXX {$860.00} were not credited at all. ( I made the mistake of writing on both checks, additional principal. We also made an additional principal only payment of {$1700.00} on XX/XX/XXXX, which was credited correctly. 

We received a response on XX/XX/XXXX. They said the payments were verified and sent me a new Detail History dated XX/XX/XXXX. From this History we could see that a number of changes were done to manipulate the numbers. After 9 new entries added to XX/XX/XXXX we believe they gave a credit for {$800.00} and {$780.00}. ( not {$800.00} ) For XX/XX/XXXX they changed our XX/XX/XXXX regular payment of {$870.00} to {$860.00} and credited {$9.00} as additional principal. They have not accounted for the 2 missing checks of {$860.00} and never said they made a mistake. They just manipulated numbers and figured we wouldn't look at the Detail History and just take their word.

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 2021-05-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up this accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I submitted to transfer XXXX XXXX from my Binance.US account into my personal savings account via ACH transfer. 

Per the process described in the FAQ, a verification email ( via XXXX ) was to be sent to my email address for me to confirm the transaction, after which it would be processed. If the verification email link was not clicked within 24 hours, transaction would be cancelled and funds would be released and remain in the binance.us account. 

An email was never received and this transaction has been in pending status since XX/XX/XXXX - over a month. 

I have submitted multiple support tickets and attempted to escalate my ticket with no success. I have also contacted XXXX which referred me back to Binance support. 

I have contacted my bank. Bank has no record of an incoming ACH attempt. 


I have since used the ACH transfer to transfer a small sum to this exact bank account as a test - this transaction was successful and the XXXX email was received in this instance. This shows that there is no error to the setup or bank account it was directed to. 

These funds have been held from me for almost a month causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX marked me incorrectly as deceased on XX/XX/XXXX for account ending in XXXX. They also are still incorrectly reporting late payments on a credit card account ending in XXXX after 60 days of them promising they fixed it. 

I immediately called in to have it fixed, as they caused me to suddenly have NO credit score due to their incorrect reporting of being deceased. 

I received a letter stating they looked into my account and found nothing wrong on XX/XX/XXXX. This was for the wrong account after I explained in detail which account was showing the issue. 

It has now been 2 months and XXXX XXXXXXXX refuses to update or notify the remaining credit bureau that I am not dead. I have called XXXX XXXX and XXXX ( which is reporting me as deceased STILL ) and both have said it is not their fault, and that the other is the culprit. 

I have now lost a total of {$2200.00} in earnest money that I put down on a house because of XXXX XXXX Irresponsible and unhelpful customer service. Thousands of dollars. Gone. When I call them now they just state it shows here on your account that you need to wait 90 days from XX/XX/XXXX meanwhile they initially told me multiple times they would fix it IMMEDIATELY because it is holding me back from buying a house! The resolution they are trying to feed me is 120 days of having a critically negative impact to my credit score due to XXXX XXXX gross negligence. 

They are abhorrent at customer service and are causing my family and I extreme grief over their mistake. They have been horrible in trying to fix it and unhelpful in any way. 

In addition to this, they were supposed to delete late payments for an account ending in XXXX for the months of XX/XX/XXXX and XX/XX/XXXX, which I received a letter for dated XX/XX/XXXX. XXXX STILL shows those late payments as being reported by XXXX XXXXXXXX as recently as XX/XX/XXXX. So XXXX XXXX again is ruining my credit report with inaccurate information. 

The correct reporting from Capital XXXX should show 0 missed payments for all three bureaus across accounts XXXX and XXXX, and should be REPORTING ME CORRECTLY AS NOT DECEASED. This is the bare minimum expected of any financial institution. How did XXXX XXXX even let this happen in the first place? 


XXXX : Fix me in your system. I am not deceased. 

Transunion : I have incorrect late payments marked in your system for my XXXX XXXX card ending in XXXX. I have tried several times now to get you to update these, even providing the same letter attached directly from XXXX XXXX stating these are not late payments and are incorrect. Update these please.

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 2021-05-24
Company: Kriya Capital, LLC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm requesting validation for Pursuant 1692g. 
I have not been provided with validation of this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-16
Company: Forster & Garbus LLP
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
they garnished my bank account and put a levy on it, which caused me to bounce my checking account and put me in debt. No one ever contacted me about this garnishment they just took XXXX from my checking 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 2021-05-25
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I've received a number of unwanted calls and emails from a XXXX XXXX with Chase as of today, XX/XX/. I received a call from XXXX from Chase, then an email from XXXX XXXX, both unsolicited/unwanted. I request to be removed from emails/calls.

Company response to consumer: Closed with explanation