BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX took over my home loan. They have reported my loan as missed payments in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I paid with proof of payment through my bank statements. I have requested to have those late payments removed off my credit report which has tremendously hurt my score as they werent late and my loan was sold to another company XXXX XXXX whom took over my payments in XX/XX/XXXX. I call XXXX XXXX XXXX only to be rerouted to XXXX XXXX. I then have to find a land line to call from so they dont have my phone number attached to my old account just to get a representative on the phone to redirect me to an email address for my concerns on this matter as she said she couldnt help me I have emailed XXXX XXXX XXXX FOUR times without a response! I have filed disputes with all 3 credit bureaus to have this removed and its currently under investigation. I am trying to refinance my home loan with a better deal and this is my hold up. For the past week I have stressed over this as NO ONE WILL ANSWER at XXXX XXXX XXXX. I shouldnt have to go through this much trouble to get customer service on a loan I had with them. I log on to their website and it redirects me to XXXX XXXX yet again. Someone needs to train this business with better customer service!! I can even access my old account not will anyone help me remove these negative remarks off my report. I have proof of payments and I have never been treated so poorly by a company! Someone needs to be held responsible for this!

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 2016-02-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Over the past year I have attempted to request assistance from Wells Fargo for a mortgage loan modification. These attempts were requested by my wife and I with no success. Due to the lack of assistance from Wells Fargo our marriage has suffered and my wife and I legally separated in 2015 late in the year. I provided a copy of the legal separation and Quit claim deed documents to Wells Fargo and I have not had any response from them to reconsider the loan modification using my income only. The present interest rate stands at 6.25 % which is approx. 2.00 % higher than the national average.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Issue: Late fee

Complaint:
Hello, I am writing to submit a complaint against Wells Fargo, a company that provided me with a credit card and has charged me with XXXX time interest despite the fact I contacted this company in trying to avoid this charge. 

In XXXX of XXXX I acquired a credit card at the store, XXXX and XXXX. The card was provided by Wells Fargo, and according to the terms of the credit card, no interest would be charged for my purchases for up to a year. Since XXXX of XXXX, I made monthly payments to the credit card. 

In XXXX of XXXX I was notified that the card was no longer valid, since XXXX and XXXX cancelled their agreement with Wells Fargo. This meant that I could no longer use the card, which was contrary to the contract signed by me. I did not care about this ; and I continued to pay my debt. The last payment was due on XXXX XXXX XXXX. I made my payment a couple of days later, unaware of the fact that I had been penalized with additional interest. At the beginning of XXXX, my balance was {$390.00}. Since my payment had been late I was charged {$240.00} in interest. This increased my debt from {$390.00} to {$680.00}. 
On XXXX XXXX, XXXX I called Wells Fargo trying to explain that missing my payment had been an honest mistake, and that I had totally forgot the deadline. During this phone call I expressed my willingness to pay my remaining balance ( which was close to {$400.00} ) in trying to avoid the interest payment. I also reminded the people of Wells Fargo that this account was not of any service to me going beyond XXXX, since the card had been cancelled in XXXX. I naively thought that since we were still within the month of XXXX, the people of Wells Fargo could at least show some understanding and offer a reasonable solution. Yet, after half an hour on the phone and having spoken with XXXX different representatives from Wells Fargo XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, I was only offered a reduction of XXXX dollars. According to Wells Fargo Representatives this was the only help they could offer. 

I am writing this complaint hoping you could stop this company from applying such unfair interest to customers such as me, who despite being late by a couple of days, made monthly payments throughout a year. I am appalled by the lack of understanding of companies like Wells Fargo, who can change the terms of a credit card when they want, but would not extend the same understanding or courtesy to their customers. I believe this practice to be unfair, arbitrary, and capricious. As a result of simple, brief mistake my balance -- on the eve of being paid off -- almost doubled. I understand if nothing can be done to help me, but I honestly hope you can look into this so that other less fortunate individuals avoid getting trap by Wells Fargo 's arbitrary practices. 
Thank you XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing a complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they has gone pass the 30 day given and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA- they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
I XXXX XXXX am submitting this complaint that : In accordance with the fair credit reporting act the listed account below has violated my federally protected consumer rights. XXXX account # XXXX 15USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer reporting agency if the Person knows or has reasonable cause to believe 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 2015-11-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
[ Case number : XXXX ] I 'm still frustrated with the lack of response from Wells Fargo. I just need to get my ex-husband 's name off of the house. He has n't lived here since XXXX, 2008 and I have paid the mortgage. The mortgage is current. Wells Fargo states that my credit is n't strong enough, which I understand. But since I 've been paying it all along, should n't that be taken into consideration? I intend to stay in the house indefinitely and it is the sole residence for me and my children. I appreciate your help. 

XXXX XXXX ( recently legally changed my name from XXXX XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I MADE A COMPLAINT TO CADOI BELOW. I HAVE ALREADY PAID MY INSURANCE PREMIUM IN FULL WITH {$110.00} OUTSTANDING OVERPAID I WANT CREDITED FOR XX/XX/XXXX PAYMENT AND THE INSURANCE PREMIUM TO BE REMOVED FROM MY ACCOUNT. YOU MAY HAVE TO DO ACCOUNTING ADJUSTMENTS. A COPY OF THIS COMPLAINT WILL BE FORWARDED TO CONSUMER FINANCIAL PROTECTION BUREAU. 

WELLS FARGO DEALER SERVICES ARE BILLING ME IN USURY ( OVERBILLING ME ) FOR CAR INSURANCE ATTACHED TO MY CAR PAYMENT EACH MONTH. THE COMPANY XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX, CA XXXX POLICY NO XXXX. PHONE NUMBER XXXX. MY INSURANCE STARTED XX/XX/XXXX. I WAS BILLED {$94.00} A MONTH UNTIL XXXX XXXX WHEN I WAS BILLED {$140.00} A MONTH. THEREFORE I PAID {$94.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX {$140.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I PAID {$140.00} A MONTH. I PAID {$1100.00} IN TOTAL THAT WELLS FARGO IS CHARGING ME MONTHLY TO PLACE INSURANCE MONEY IN THEIR REVENUE ACCOUNT WHEN I HAVE ALREADY PAID MY FULL PREMIUM. I HAVE OVERPAID BY {$110.00}. THIS {$110.00} I ASK TO BE CREDITED TO MY PAYMENT FOR XXXX XXXX. WFDS IS CAHRGING ME {$370.00} FOR XX/XX/XXXX WHICH WOULD MAKE ME OVERPAID BY {$280.00}. PLEASE ADDRESS THIS ASAP. I AM REPORTING THIS TO THE CFPB. 
Fw : XXXX XXXX ACCT XXXX WFDS RE XXXX XXXX XXXX CALIFORNIA DEPARTMENT OF INSURANCE COMPLAINT XXXX XXXX XXXX Reply| Today XXXX XXXXXXXXXXXX Sent Items This message was sent with high importance. 
WELLSFARGOINSURANCECAR XXXX XXXX WELLSFARGOINSURANCECADOICOMPLAINTQBE.pdf XXXX XXXX attachments ( XXXX ) Download all Save all to OneDrive XXXX TO XXXX XXXX . 

**XXXXALL SEVEN PAYMENTS FOR INSURANCE WERE MADE SINCE XX/XX/XXXX. ***I AM REQUESTING AN ADJUSTMENT ON MY ACCOUNT. 

XXXX XXXX Payment History Help Print This Page End of HelpAndPrint Loan XXXX -- XXXX NISSAN SENTRA-XXXX CYL. 


Posting Dates XXXX/XXXX/XXXX ( MM/DD/YYYY ) to XXXX/XXXX/XXXX ( MM/DD/YYYY ) Invalid date range Transaction History ( Select a payment to view Transaction Detail ) Posting Date Effective Date Description Amount Principal Balance Next Due Date XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX*XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LATE CHARGE ADDED XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX*XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LATE CHARGE ADDED XXXX XXXX XXXX/XXXX/XXXX LATE CHARGE ADJUSTMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX*XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LATE CHARGE ADDED XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX MO DEFERMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX CORRECTION/ADJUSTMENT 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 2022-10-21
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:
This company has violated my consumer rights by sharing medical information on my credit report. 15 usc 1681a ( 3 ) ( a ) ( b ) ( c ) clearly states that medical information should NOT be shared on my credit report. I lost my XXXX  year and I have been having a hard time trying to move out of the house that we shared together, however, I am force to stay with the memories. I will be reaching out stating my demands if this is not removed my my credit report immediately.

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 2015-06-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
On XXXX/XXXX/15, Wells Fargo Mortgage Representative XXXX XXXX and I worked out a deal for an approximately {$270000.00} loan. I have a Loan Application and Truth In Lending Disclosure from that date which I signed and which XXXX told me I was locked in at 3.875 % and used the box on the TIL form which said it was not an estimate to assure me as such. For 6 weeks after that, I was in constant contact with Wells Fargo to ensure that everything was still going smoothly and continuously reiterated the need for the closing to be no later than XX/XX/XXXX. Consistently, I was informed that this would not be a problem and that everything was progressing nicely. On XX/XX/XXXX ( 2 business days before closing ), I received notice that my rate would actually be 4.125 %. Knowing that I could not delay closing by even a day, Wells Fargo purposefully snuck in a higher rate. In total, the bank is going to get {$14000.00} more of my money over the life of the loan. I have filed complaints with Wells and they have so far claimed/admitted the following:1 ) They do not have a loan application for my loan on file. I sent them the one I signed showing 3.875 % and they continue to act like it does not exist. 
2 ) They do not have a signed copy of the TIL disclosure for my loan from before the date of the closing ( a violation of TILA ). 
3 ) The TIL Disclosure I have which specifically shows that the numbers on it are not an estimate does not mean that the rate is locked in. Nor did I ever get any official notice of being locked in at any rate before the closing. 
4 ) E-mails and verbal conversations with XXXX XXXX and XXXX XXXX ( the origination person ) assuring me throughout the process that everything is what they claim it is do not count for anything. 
5 ) Documents which detail the contractual obligations of the relationship either are ( a ) missing, ( b ) do n't exist or ( c ) are proprietary and can not be shared with me to prove that I have not been wronged. 

I would like to know what my legal options are and if these violations of TILA will lead to any regulatory or governmental punishments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Problem with bank producing evidence of a contractor filed a certificate of completion to have the funds released who has claimed he has finished his job and collected from a credit account # XXXX -- XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Charging late fees with no reason : Payments made on time claiming excessive and unfounded late fees.

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 2016-02-13
Company: NAVY FEDERAL CREDIT UNION
State: IA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Submitted multiple complaints that all were decided in the consumers favor as Navy Federal continues to disregard original guidance and decisions from CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-17
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I hate WELLS FARGO with a passion. My husband and I were approved for our Loan, .... All throughout this ordeal I 'm pregnant with our daughter ... 
***during this time I was under a lot of stress, in the beginning I was XXXX, and by the end, I had developed XXXX, which is XXXX XXXX XXXX, during the last trimester of your pregnancy*** ... 
- Anyways, we were set to close on XXXX XXXX, 2015, we moved into our new mobile home on XXXX XXXX, a few days before closing ... .may XXXX came, we did n't close, the underwriter that had our loan was still requesting information.. 
, got a XXXX closing date of XXXX XXXX, then XXXX XXXX ... we did n't close on neither days. By this time im out on maternity leave and on XXXX XXXX, we welcomed our baby girl XXXX into this world. Months pass, I never heard from anyone regarding the loan/loan process .... 
somehow the UW that was working on our loan mysteriously got fired, a new UW picked up our loan ... He started requesting the same information our previous UW had asked for ... Submitted everything ( paperwork legal docs etc ) once again ... 
Over the next few months I NEVER heard a word from our mortgage lender nor loan processor. 
XXXX XXXX, I received an email that stated ... '' You guys should 've gotten an Denial letter in the mail '' ... I asked, a denial letter for what, ... .she said your landlord said you guys were behind on rent and that KILLED THE LOAN ... * our previous landlord said we had gotten behind 3-4 months rents, which is a total crock of XXXX ... We were just ready to leave that dump. * So I emailed her back and asked, why did n't they contact us, we could 've provided the receipts ... So basically we got denied because of a " SIMPLE LIE ''!!! 
He lied, and WELLS FARGO, SCREWED US!!! 
I 'm out luck, out of money, and now after being in our home for the last past 8 months, WE ARE OUT OF A HOME!!! 
I 'm at a total and utter lost for words.. How in the XXXX did all this happen. Now all of a sudden no ones knows nothing.. 
My question is if we were days away from closing, then why did n't they just pick up, were the old UW left off??? And close on the set date of XXXX XXXX, 2015 ... What happened to the old UW, why was she fired??? 
The loan processors voicemail states, that he no longer is affiliated with that department, where is he now???? 
If we were APPROVED then why get DENIED at the last minute??? 
Why did n't they ask for documentation regarding my rent??? 
They screwed us over, so at least you guys, can give us some answers!!!! 
I mean that 's the least they can do, I mean my credit score was pretty decent, now I ca n't even buy attention. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
All XXXX credit reporting bureaus are forcing people to pay for a monthly service of so-called " credit monitoring '' if you want your score. That is fraud. I ought to be able to just pay once for my score. 
And if you can figure out how to stop letting the XXXX credit reporting bureaus to STOP sending people in circles so we can get our scores -- JUST our scores -- let me know. I have called XXXX, Equifax and XXXX, gone to each website and followed the prompts to get the credit score and they EXTORT PEOPLE into buying a monthly services of " monitoring '' and if you do n't want that and just want the score, they make you pay for the REPORT AND SCORE then send you in circles on phone prompts that end up with an address for the credit report -- not the score. 
Try it yourself. 
Start with this : XXXX/You can hit each link for each credit reporting agency and it ends all the same. They do not want to let you pay once for the score, they want to hit you up with monthly fees. 
I do n't need my report. I have them. 
They also continue to put back inaccurate information that they deleted, but put back after I get off the phone with the person in the security department. 
What are you doing? The people who deal with credit bureaus are truly afraid of them, as this is the only part of this agency that ca n't seem to get anything done to help consumers. 
Also, I ca n't afford to pay {$58.00} for a fico score, which is what I really want. 
That is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I do not remember this debt at all. I 've asked for verification numerous of times and have n't received anything yet. I do not believe this debt is mine because of the difficulty of verifying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX JP Morgan Chase Tx Identity Theft XX/XX/2019 I have NO knowledge of this Chase account. Reporting it as Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Credit Karma, LLC
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hi Hair I got a notification from Credit Karma saying that I have one of their, guarantees if I was denied I would get a {$50.00} credit also lies about having great circle approval as I get an approval for credit card and once I apply I will get a deny and adding on my credit score this is palms are trying to work out with Credit, so for five years and it had affect my credit score bad So I am looking for some kind of a conversation some kind of solution of why I was XXXX XXXX and applying for a XXXX  that they know I dont have no great chance of being a approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
I XXXX XXXX am submitting this complaint that : In accordance with fair credit reporting act.the list of account below has violated my rights and federally protected consumer report. 
XXXX Funding -account # XXXX In accordance Fcra 15USC 1681s-2 ( A ) ( 1 ) A Person shall not Furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe 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