BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 the Fair Credit Report Act XXXX Account # 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. 

1. XXXX XXXX XXXX ACCOUNT # XXXX ( XXXX ) 2. XXXX XXXX XXXX ACCOUNT # XXXX ( XXXX ) 3. XXXX XXXX XXXX  ACCOUNT # XXXX ( XXXX ) 4. XXXX XXXX XXXX  ACCOUNT # XXXX ( XXXX ) 5. XXXX  XXXXXXXX XXXX  ACCOUNT # XXXX ( XXXX ) ( XXXX ) 6.XXXX XXXXXXXX  ACCOUNT # XXXX ( XXXX ) 7. XXXX ACCOUNT # 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 2017-09-07
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello Caliber home loan managers, I am writing to request your assistance in escalating, appealing, and review of a shortsale application that is before XXXX XXXX, representative, on the Res.Net. portal.
I have been working over six months to get to a point where there can be an amicable resolution, but I frankly believe that the offers and the willingness to resolve the matter are being acted upon in good faith.
The borrower is deceased and the executor to the property, XXXX XXXX, is attempting to complete the shortsale. The mortgage is in foreclosure at this time with motions and cross-motions pending before the court.
The original mortgage was about $ 305k,  however, with the arrears, the total payoff is now $ XXXX. I have submitted a top offer of $ XXXX to the rep. who declined that offer today and demanded the XXXX payoff. That is NOT how shortsales work. The shortsale buyer is not an investor, but an end buyer who will reside in the property. Prior getting to this point, XXXX XXXX, not knowing what the payoff amount was and having no idea of the location of where the property was situated demanded $ XXXX after a BPO was done. I disputed that value and submitted repair comps. The investor then approved a demand for $ XXXX.
However, when I pointed out to XXXX that this demand is higher than the payoff, he then followed up with a request for the total payoff amount. I explained that the buyer is making an offer of over 70 % of the arrears and is an end buyer who can not qualify for more funding. The buyer is the Executor who wants to keep the property within the family so that she, her brother 's kids, and sister can live there.
At this point, I am frustrated with the responses and the process that I believe to be deceptive. XXXX has been very closed off in providing information and generally not explaining why the counter demands remain unreasonably high.
I urge you to step in and assist me in this process as soon as possible. Specifically, I would like XXXX XXXX XXXX to be taken off the review of the file. Another party needs to and should be assigned.
Thank you.
NOTE : The Executor, XXXX XXXX, is an retired veteran, served in the XXXX XXXX She currently is employed as a correction officer.
-- -- -- -- -- -- - RES.NET INFORMATION FOR SHORTSALE Master Client : Caliber Home Loans Client : Caliber Home Loans Subject Property : XXXX XXXX XXXX, XXXX, NY XXXX Property ID : XXXX  Due Date Assigned Date Task XX/XX/XXXX XX/XX/XXXX Submit Short Sale Request* *This task requests a document required for sale to be completed and you must log in to complete this task.
XX/XX/XXXX XX/XX/XXXX MLS XX/XX/XXXX XX/XX/XXXX Property Assessment Task XX/XX/XXXXXX/XX/XXXX Homeowner Financials* *This task requests a document required for sale to be completed and you must log in to complete this task.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a text alert from what appeared to be Wells Fargo Bank on XX/XX/XXXX, concerning my account being exposed to fraud ; requesting my validating some account info. My cellphone was hacked in the early morning of XX/XX/XXXX. The perpetrator got access to my bank information/debit card, and was able to illegally withdraw {$1000.00} at an Arizona ATM XXXX followed by {$150.00} XXXX  transfer, along with four high dollar value, instore purchases, using my debit card information, in a 'digital wallet ' format at a XXXX in Arizona, for over {$3000.00} in purchases, on the same day. As well as other multiple transactions at various retailers in both Arizona and California, within a matter of a few hours of confiscating my account information. 

I called Wells Fargo immediately after regaining access to my cellphone, and found out that my account balance went from {$4200.00} to {$0.00}. I filed a fraud claim, that was denied on XXXX. I received two letters from Wells Fargo, dated XXXX ; one stated that the claim was denied, due to none of the transactions, never happened. The second letter stated that the claim was denied, because, either I processed all those transactions in Arizona and California, or I gave someone permission. 

I filed a complaint with Wells Fargo, on how my fraud claim was handled. I'm currently awaiting their response.

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 2022-02-15
Company: Lendmark Financial Services
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have sent multiple remittance payments to this company and they have dishonored all of them, also they are not in compliance with 12 cfr 1005.30. Further more in the security agreement they have not informed me as to what is the security given. So I ask now what is the security interest that I the consumer have given in this transaction? Is the contract not between the seller and the creditor as defined in 16 cfr 433.1 ( f )? I as the consumer only have an consumer credit contract as defined in 16 cfr 433.1 ( i ) that evidences a debt from a purchase money loan. Nothing in this security agreement makes me liable for any payment or be subject to the injuries i have received from the parties non compliance. Due the the non compliance of the Seller ( XXXX XXXX XXXX ) taking a {$1000.00} downpayment from me and the creditor ( LENDMARK FINANCIAL SERVICES ) unlawfully taking my property forcing me to make payments on a security agreement that I endorsed as the contract between the seller and creditor. I am the injured party and I am receiving financial injury from all both parties by way of false and deceptive forms and false and misleading representations. The seller and creditor both are not in compliance of the truth in lending act and regulation z. Seller was instructed by the creditor to place a fictitious lien on my property title that I the consumer was using for personal family and household purposes where there was no lawful grounds of doing so and this was done by way of forgery ( 25 cfr 11.416 ). I have not signed a power of attorney to either party that grants either party to take these unlawful acts against me. Furthermore I was not given full disclosure as required by 12 cfr 1026 from either party nor was I given required right of recession forms as required in the truth in lending act ( 15 usc 1635 ). Attached is the multiple remittance that where dishonored. Please be advised that due to fraud and lack of full disclosure i am now exercising my right of recession. Upon notice of this correspondence consider notice of rescission given and please return to me all things required and see that the security interest is terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports and please know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with Experian 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me. 

XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX202 XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX/XXXX/2020

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 2022-01-13
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, I sent LEXISNEXIS a request, requesting my consumer report. As of XX/XX/XXXX, I have not received any document from LEXISNEXIS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: SYNCHRONY FINANCIAL
State: HI
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: Card was charged for something you did not purchase with the card

Complaint:
Synchrony automatically enrolled my XXXX credit card in their optional Card Security program without my consent when the account was opened in 2015. This led to a monthly charge of 1.66 % per 100 dollars of my balance per month. In total, this led to well over 1,000 in " fees '' during the time this service was active. I was never informed of this optional feature and never consented to it.

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 2021-06-08
Company: BANKMOBILE TECHNOLOGIES, INC
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, I opened a dispute with my bank for a transaction that was processed on XXXX the XXXX 2021. I never received any updates from them until I would call various times throughout the week. Whenever I would get them on the phone they would give me the same generic answer, their resolutions team was actively investigating. And I never received an email update until immediately after I had reached out to them on the phone. But the email was exactly the same each time as well. On XX/XX/XXXX and XX/XX/XXXX when I reached out to the resolutions team, they told me to keep reaching out to the merchant. Which I did. I even added her to a 3 way call with myself and the resolutions team agent, and when she told them the chargeback had been processed on their end, the agent didnt have anything to say. I have plenty of evidence to show that the goods I ordered were not delivered within the timeframe suggested and when I did receive a package, it was not what it was advertised to be. Which in turn, I promptly returned to the merchant. My bank has mishandled this from the beginning and denied my dispute, not once but twice. Even though I have sufficient evidence that XXXX  didnt send the package until after the dispute was filed, and I have sufficient evidence that her goods were returned and I have yet to receive my funds back. I also have screenshots of the merchant telling me that the funds were taken from her account, and that they have been released to my bank back in XXXX of this year. She sent screenshot proof of that as well.

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 2022-02-15
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/21, my Wells Fargo Credit Card ending in XXXX had fraudulent charges from XXXX XXXX in XXXX XXXX. The first charge was for tickets in the amount of {$1700.00}. The second charge was for food vouchers in the amount of {$980.00}. I immediately called Well Fargo to report the charge and they closed my card ending in XXXX and issued a new card. On XX/XX/21 I received a voicemail from Wells Fargo to call them about my card that was closed. I immediately called back the number provided XXXX and spoke with a rep. She looked at my account and stated everything looked good and both charges are removed, account XXXX was closed and I verified I had no unauthorized charges on my new card. I few days later, I see the good voucher amount of {$980.00} posted back onto my new credit card and has a posting date of XX/XX/21 which I believe is incorrect due the the date I spoke with Well Fargo on XX/XX/21 and verified all charges and {$980.00} was not posted. I get a letter from Well Fargo stating they found the charge of {$980.00} to be valid. I have had Wells Fargo re open my case twice, asked for reasons they deemed food vouchers valid yet tickets purchased were identified as fraud. I have not received any paperwork showing their investigation and reasons. I have asked for a supervisor to call me and no return call. I recently opened a City of XXXX Police Report XXXX. I refuse to pay charges that I did not authorize. I feel Wells Fargo investigation department is not properly doing their research when they determine XXXX XXXX tickets were fraudulent, but food vouchers from XXXX XXXX are valid.

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 2022-02-15
Company: Experian Information Solutions Inc.
State: AZ
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:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Experian Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-03-29
Company: Early Warning Services, LLC
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I bank with XXXX XXXX who now uses XXXX. I recently received an email from XXXX XXXX directly advising my " mobile number is inactive and has ben removed because it has been disconnected '', so they were removing it form my account for me. My phone number has not changed, nor has it been disconnected. I called XXXX XXXX who informed me this was a XXXX issue, not theirs. So I get transferred to XXXX who plays the blame game and says I need to speak with XXXX XXXX. After explaining over and over to the woman that this is not a XXXX XXXX issue, she suddenly asks if I changed cell phone providers. Although she already told me this was not " their fault '' I explained that I did switch providers, but my number did not change. She then admitted that if you change providers you will be " kicked off : '' XXXX. What do you know, I was kicked off XXXX, not registered, they removed me. My phone number has not changed, I have the same number. My husband and I pay bills from MY account, so he transfers me money on a monthly basis, every single month. When we register with XXXX as a " new user '' you are only allowed to send {$500.00} because you're a " new user ''. My issue is that I AM NOT a new user. I have now registered three separate times with XXXX and this last time is solely because of their error and negligence with my account. My husband now CAN NOT send me funds we have for our bills. XXXX has no business removing my phone number from my account or touching my account in the first place. Or the fact that they can clearly see I am not a first time user, but refuse to make any sort of " allowance '' to fix their {$500.00} first time user non-sense. I am literally being told what I can and can not do with MY MONEY all because of an error XXXX made. An error they will not own up to, fix, or make right with me. This is thoroughly unacceptable and I am beyond dissatisfied with BOTH XXXX XXXX and XXXX. the blame game. typical. no one can help, no one can fix anything, nothing. they literally did nothing for me. so I once again registered, took the {$500.00} since XXXX tells you how much you can and can not send to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This debt has not been accurately verified. There is no contract with my signature per request.

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 2021-06-08
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: Account information incorrect

Complaint:
I have yet to hear a response from the bureaus and my dispute letters were sent out on XX/XX/2021 @ XXXX and arrived to them on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: JPMORGAN CHASE & CO.
State: CA
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:
The Credit card was never late, address was updated and paymnet sent out on time. I contacted Chase directly multiple times to update the address and they contiuned to mail stamnets and paymets to old address. I spoke with associate and explained to her the situation she was descriminating due to the old address and my new address. She did not assist me I had to be transfered and was hung up on multiple times. This is unaccaptable for JP Morgan Chase. This is my business card. 
JP Morgan Chase card acct # XXXX last 4 digits opened XX/XX/XXXX its showing 4 times late XX/XX/XXXX XX/XX/XXXX incorrect XX/XX/XXXX Closed account I was told the account was still opened XX/XX/XXXX reported XXXX credit limit {$15000.00} manner of payment ( R01 ) 60-80 days late 1 time'XXXX incorrect Balance {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ad Astra Recovery Services company placed an invalid debt on my credit. I have been disputing this company since XXXX 2016, and I have given them more than enough time to produce documents proving this to be my debt. Ad Astra has failed to provide any of the requested docs that I asked for.
I HAVE NEVER RECEIVED ANY COMMUNICATION VIA LETTER, EMAIL, VOICE, ETC FROM THIS COMPANY NOR HAVE I RECEIVED ANY TYPE OF VALIDATION DOCS PROVING THIS DEBT TO BELONG TO ME. THIS IS ILLEGAL AND AGAINST MY RIGHTS AS A CONSUMER. I WANT THIS REMOVED FROM MY CREDIT REPORTS ASAP.
Also, the last time I communicated with this company, they stated that this is an " electronic debt '', which I have no clue as to what that means. This company has failed to provide me with the info they used to contact me .If this company is insinuating that " electronic debt '' is an online account, that would further prove my point that anyone can sign an e-disclosure, bc its done ELECTRONICALLY BEHIND SOME DEVICE, therefore that is not acceptable to use as an excuse of validation.
This account is being disputed and has not been verified, so marking it as disputed on my credit file will not suffice. According to my consumer rights if I dispute a erroneous account and has not received validation ... .you must delete the debt until solid proof is confirmed/ found. I will be escalating my concerns in regards to the violation of my consumer rights as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
TransUnion continues to report a balance for assurance even after Ive shown documentation of a XXXX balance

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 2018-09-11
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: Investigation took more than 30 days

Complaint:
I disputed the lates that were on my credit report from all the bureaus XXXX, Experian and XXXX. All three have not removed the late from XXXX XXXX after being provided 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 explanation
Consumer complaint received 2018-09-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I disputed the lates that were on my credit report from all the bureaus Equifax, XXXX   and XXXX. All three have not removed the late from XXXX XXXX after being provided proof.

Company response to consumer: Closed with explanation