BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The {$400.00} bonus was never paid.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 XXXXXX/XX/XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: NY
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:
I was notified by Wells Fargo on XX/XX/2022 that a payment of {$41.00} was due from a balance of {$1700.00}. When I called to speak with the fraud department they told me that XXXX cash advances were sent to my checking account with Wells Fargo. This was another issue of fraud as I have never opened any checking accounts with Wells Fargo, I use a different bank for my checking and savings account. Both these cash advances were on a credit card that had yet to be activated. They then had to close the false checking account that was opened without my permission before moving on to the actual fraud that I originally called about. Once that was done they told me that the cash advances were done over the phone to the false checking account that was opened. The representative then had to activate the card before looking into the account where they told me that XXXX cash advances had been taken from the account, XXXX cash advance was for {$1000.00} and another for {$600.00}. A fraud claim was submitted and on XX/XX/2022 they sent a letter stating that " they couldn't reverse the online transfers because there was not enough funds in the account or the account has been closed. We were unable to reverse any related fees and adjusted interest. Your claim is now closed. '' My account now clearly shows that adjustments were made and with dates that are incorrect. Looking at my account the first transaction shows a interest charge of {$23.00} on a cash advance on XX/XX/2022. It then shows the cash advance of {$1700.00} on XX/XX/2022 and a phone payment of the same amount on the same day. What then follows is all the interest and late fees that have occurred since then in my account. This has now affected my credit score due to the lack of action on their part.

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 2022-06-08
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 am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTIONS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, and Social Security Number for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following are inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX also this account : US DEPT ED XXXX, I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Date of Letter : XX/XX/2023 Attention Dispute and Complaint Departments of : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX REGARDING : Dispute of Unauthorized Charges That Were Not Made on My Physical Card With XXXX XXXX XXXX XXXXXXXX XXXX Resulting in Negative Mark on My Credit Bureau Report Refusal of the Bureaus Willing to Delete The Negative Mark Despite Reversal of Charges That Were Found in My Favor Due to Fraud Dear Supervisors and Those in Charge of Complaints, Earlier this month I contacted customer service of the XXXX XXXX  via telephone after I was notified by XXXX XXXX XXXXhat there was a negative mark/report added to my almost perfect credit due to a supposed late payment of 30+ days. Upon calling XXXX customer service, it was discovered that charges for several months were made not on my physical card but digitally perhaps from XXXX phones I donated. Therefore they reversed over {$700.00} in charges which obviously would not have made me late on a payment. However, the credit bureaus are still keeping the late payment report on my credit and worse yet, its not scheduled to be deleted until XXXX. Thats ridiculous! My credit score was over XXXX prior to this incident that was not of my doing. XXXX XXXX now owes me a check of {$720.00} due to all of these fraudulent charges. Therefore, I am demanding that these negative 30 day late reports be taken off all three credit bureau reports, which are greatly affecting my credit score of near perfect. 

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 2023-12-02
Company: Southwest Recovery Services, Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my XXXX, XXXX and XXXX credit report it showed I have a credit I have a revolving account from first premier stating I opened account with them XX/XX/XXXX and balance XXXX account is closed and showing on my credit report with a payment never being made. This clearly is not mine all my credit cards is paid on time thats on my credit. I want this removed off my credit immediately I been disputing for years and they still havent provided any documentation proving this is my account.

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 2022-07-01
Company: PNC Bank N.A.
State: IL
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:
On XXXX, XXXX 2022, I woke up to a credit alert that my personal loan with PNC was 30 days past due. My loan payment is {$1000.00}, due every month on the XXXX of the month. I called the customer service line and was advised that there was still a unpaid partial balance from the XX/XX/XXXX date. However, I paid the amounts listed on the statement. The statement generated on XX/XX/2022 indicated that XXXX was due on XX/XX/XXXX. On XX/XX/XXXX, I paid XXXX, and on XX/XX/XXXX, I paid {$1000.00}. On XX/XX/XXXX, I paid XXXX. XX/XX/XXXX 's balance was satisfied by XX/XX/XXXX. And XX/XX/XXXX 's balance was satisfied on XX/XX/XXXX. I was late, but at no point have I been 30 days late according to the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: DISCOVER BANK
State: MD
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:
Date : XX/XX/XXXX Amount : {$3100.00} Merchant : XXXX XXXX XXXX Fraud dispute : I was not authorized the above transaction. My Discover credit card was stolen and not kept in my position since I left the USA in XX/XX/XXXX. I am still out of country but realized there is a big charge posted to my account posed in XX/XX/XXXX. The company has not solved the issue, and even worse, someone has also stole my online account information and try to file a billing dispute on behalf of me with fake ID. Of course, it is not appropriate and I have to report this case to CFPB for the further action. 

To help you better investigate the case, I have attached the most recent XXXX ( Official document of XXXX XXXXXXXX XXXX XXXX  ) for your reference. Please note that any phone call related to my account would be fraud because I am out of country with no local phone connected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-06-08
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 am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTIONS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, and Social Security Number for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following are inaccurate addresses : 4 XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX also these are the following accounts : XXXX XXXX XXXX XXXX XXXX, I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap.

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 2021-01-17
Company: NEXA Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted XXXX XXXX about a Bank Statement mortgage. I told him I wasnt interested in No ratio or similar loans because the interest rates were too high. Im XXXX XXXX  with good credit. I provided over a years worth of bank statements and pointed out the pandemic XXXX ( unemployment ) payments made to me and the SBA loan. 

He evaluated the bank statements and told me I needed a CPA letter. I questioned this as its {$90.00}. He said its important and provided a template. I had a CPA fill out the annual funds received and the expense ratio ... which is 1 % because I audit from home. This is backed up by bank statements. 

He also ran a credit report and charged me {$27.00} for it. 

He then pulls his bait and switch. The Bank Statement product isnt available to me because of the XXXX payments and too low of an expense ratio. 

He cost me {$110.00} in hopes of me agreeing to a much more expensive product Id already told him I wasnt interested in. This is a deplorable tactic.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-07-01
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX has been reporting a chargeoff of {$790.00} since XXXX. I have never had a wireless account with them. I was on a family plan that was owned by my mother XXXX XXXX from XXXX. I have disputed this debt with all three credit bureaus numerous times. The debt is validated by the credit bureaus. They are refusing to investigate fully. I have called XXXX Recovery and Fraud department. They have verified that I do not nor have I ever had an account with XXXX. XXXX refuses to remove this line item from my credit. They are telling me that I need to file a fraud report. All three credit bureaus have continued to report this as well. This chargeoff has impacted my credit for 6 years!

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 2022-12-02
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive requested Information and I get none besides telling me I owe. And I get the run around on who had the information. Just show me my signature and prove to me this is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Early Warning Services, LLC
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I transferred money from my credit union using Zelle software which is integrated on the credit union app. After transferring the money and try to receive my money, Zelle said that Im unable to create an account because I changed my number a month ago. Basically they will not cancel any transaction or not refund any money after 15 days. I cant wait 15 days because that money is part of my monthly rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: John C. Heath, Attorney at Law, PLLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I was on XXXX looking into my credit and applied for a loan I was referred to Lexington Law I declined the service but I had entered my account number and routing number when I was on the loan site but never was on Lexington Law site they called me several times I declined the service they texted me several times I replied stop as the text said if you wanted to not be texted again and about a week or two later they took {$26.00} out my account they never did any service for me and I never had even talked to anyone from there company I called them to get my money returned the lady was very rude and told me I owe them money and hung up on me when I told her I was reporting them for ripping people off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-04
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Mr. Cooper acquired my mortgage from another lender a few months ago. The mortgage is almost paid off, but it was set up with our taxes and insurance in escrow. 

They have not paid either one. I paid the insurance out of pocket this morning to ensure that my insurance won't be cancelled. Mr cooper claims to have made both payments but the county tax collector and my insurance carrier disagree. 

When my insurance company spoke to a representative from Mr Cooper, they asked if they could make a partial payment and extend the due date. They have a fiduciary responsibility to make those payments on time, but they have not done so. 

Also, our tax collector offers a discount for taxes paid early. Mr Cooper has missed the early payment deadline, so our taxes will now be higher than they would have been if Mr Cooper had paid the taxes on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Grain Technology, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I was locked out of my Grain account since XX/XX/2022 and unable to make payments. There is no phone number and I have sent numerous emails which are not responded to. I was able to gain access to my account in XX/XX/2022 and my account was listed as a 30 day late notification which showed on my XX/XX/2022 credit file. I since have sent multiple emails that still have not responded. The only means of contacting customer service with grain in clicking a link for support which no one responds to. This 30 day late has tremendously affected me as I was going to closing for my first home and this negative notation on my report has halted that. Also, grain start charging an XXXX dollar fee which there was no option or ability to close account due to this fee

Company response to consumer: Closed with explanation