BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I submitted a grocery order through the XXXX app that I have been using for years. My total for the order was XXXX order # XXXX. XXXX put an authorization in the amount of XXXX. I called on XX/XX/XXXX and XXXX provided me with a transaction Id XXXX to contact my bank because they have already sent the approval to post the correct amount to Wells Fargo on XX/XX/XXXX and that its an error on my banks end. I called Wells Fargo and they said they are still waiting on XXXX to send over the approval to post the correct amount. The Wells Fargo representative on XX/XX/XXXX was rude and kept cutting me off when I told her XXXX provided proof and refused to take the trans ID. Why does XXXX and Wells Fargo get to control my funds in the account and decide when they want to release it even though the purchase has already been completed and items received. 
I have never had this problem before and it seems as though they do not want to do anything about this issue.

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 2022-02-01
Company: Selene Holdings LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mom passed away on XX/XX/XXXX and her home loan is through XX/XX/XXXX I have contacted them several times to get added as authorize user I have provided all the requested documents and every time I call it seems to be missing documents when I have provided everything and more to get this expedited so I can be added but I keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: CNG HOLDINGS INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX/XXXX/XXXX I was trying to buy a house and my mortgage company asked me about this collection company in the amount of XXXX dollars and I did know who they were so I called and asked that they send me verification if the debt and I called them back and told them that their was no where on this information was my signature and that I did n't owe them anything and for months I have been trying and disputing the information to the credit bureau, one company equifax removed it but the other two refuse to remove it so now I ca n't buy a home because of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: CA
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:
This is my second formal complaint against Experian in the same day for the same reason. This is not a duplicate complaint. This is complaint no. : XXXX for the same problem I experienced consecutively. I called Experian today, on Monday, XX/XX/2022, and experienced a very long hold time. I then was transferred to a fraud agent to file a dispute. However, I then heard static noise on the telephone and the fraud agent in XXXX XXXX stopped talking. Experian disconnected the telephone on me for whatever reason. I then called back and the same exact event happened again, therefore, this is my complaint for the second time it happened. Please be advised : each time I get a dropped call from Experian, I will promptly file a complaint with the XXXX  and XXXX. This is an unfair business practice. Finally, no consumer should ever have to be on hold over XXXX minutes to file a dispute regarding inaccurate information on a consumer report. This is egregious of Experian.

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 2022-02-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with my credit report. I've also filed previous complaints that were not acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax Consumer Affairs sent me a email request to upload the following attachments to dispute the fraudulent inquires on my credit report. I sent the agent a copy of the FTC Report for them to remove the fraudulent items on my credit report. She told me she would do it within XXXX hours. I sent the XXXX a copy of the letter to remove the late of XXXX XXXX XXXX to remove the late payment from my credit file. This item was updated in the month of XXXX when I had covid XXXX in XXXX and there was a late payment mistakenly reported to my file. The agent that verified the document was accurate and told me he would remove the late from the credit report. The 30 day was removed and now it is showing again. It is hindering me with my credit reporting ratings and purchasing a home. I feel I am discriminated because I am victim of domestic XXXX and I am told the agent that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: TX
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: LendUS, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am an elderly with a mortgage on my condo with RPM Mortgage. They kept sending me letters asking for proof of insurance and provided a fax number to fax in the information. XXXX I faxed the proof of insurance on XXXX XXXX and XXXX XXXX 2015 ; and yet I just received a letter from them dated XXXX XXXX 2015 saying they have purchased insurance at my expense from an affiliate of their at XXXX time the cost of my insurance. Also, my insurance shows RPM Mortgage as the Mortgagee and the insurance company sends the RPM a proof of insurance directly as well. There is no reason why RPM should even need me to fax them proof of insurance. What RPM is doing is harassment and to sell insurance that their borrowers do n't need. They clearly have proof that I have insurance and yet their policy seem to be to ignore all evidence and just force their insurance on you. 
I want them to refund me the {$1500.00} they charge for my insurance when I already have insurance and to stop harassment me. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Lending Club Corp
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an investment account with Lending Club which was closed at some point. I am now unable to withdraw settled funds in my account. There are no valid contact methods to discuss this problem with the company as the indicated help email is inactive and in " sending-only '' mode per a response I received. I want to withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company is reporting this debt to transunion with an opened date of XXXX. this account supposedly went delinquent in XX/XX/XXXX. Northeast credit collections was also reporting this debt to XXXX with a date of XXXX. they are reporting an old debt that should have been taken care of by insurance, and also reporting this as being opened XXXX which is totally incorrect. they are reporting this debt as it 's three years old when in fact it 's been 7 years as the debt was obtained in XX/XX/XXXX. they are reporting false information to the credit bureau in order to damage my credit and make it seem like a new debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am due a credit from XXXX for {$270.00}. I reached out to the store and they said they only keep one week of transactions in the store. 
I decided to dispute the payment with capital One. A supervisor told me that I had to split the dispute into XXXX separate disputes. One forXXXX and a second one for XXXX. I thought that was definitely wrong. She said because none of the charges on my card added up to {$270.00}! Well we dont always return everything thing that we bought. Anyway for some strange reason capital one charged my card back {$110.00}. 
Heres the overall issue I did not see a credit for {$270.00}. I called in again today and spoke with XXXX. I asked him to dispute {$270.00} with the merchant and he said he would not dispute this. I want an explanation from the merchant as to why they have not credited this order. Note, on the receipt that it was the same order number, same invoice. XXXX refused to assist me with the merchant to get an explanation. I want the merchant to explain if they broke out the charge into 2 separate credits OR was this credit never applied. 
I think the credit from the merchant was never sent. But, capital one refused to place the {$270.00} in dispute. 
Capital one dispute center is deplorable. They get an F-. I want my credit card with them closed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Big Picture Loans, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The information given to me when I originally was offered the loan, that I would be charged {$100.00} finance fee with a {$300.00} loan. The information was misleading and I have been charged {$100.00} for the past four months and nothing has gone to the initial balance. When you log onto your account, they do not show your payment history or balance owed. I had to call and talk to XXXX different people before I got a straight answer. Now they are offering me to settle my account but still pay way over the amount I originally was led to believe. I requested to get written documentation of the original agreement and was sent a spreadsheet of interest fees that did n't match up to my loan and had no account number or name included.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: UT
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:
Equifax & XXXX is violation of 15 U.S Code 1681i ( XXXX ) ( B ) ( ii ) ( XXXX ). These items was deleted and you reinserted them without notifying me XXXX business days after and certifying that the items was validated properly. 

and failure to respond in 30 days FCRA Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to Equifax & XXXX to report anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have written several letters over the last few months to the creditors as well as to the bureaus about lates that were reported on my credit during the pandemic, that the creditors had agreed verbally over the phone to give me a deferment on the payments due to XXXX.  The lates are inconsistent and not correct, I have attached a screen shot of my report for you to see. 

The lates have drastically dropped my scores preventing me from getting approved for business loans and credit. 
I read about the care act listed below and am reaching out to seek your help. 

Section XXXX of the CARES Act amends the Fair Credit Report Act ( XXXX ) to address coronavirus-related accommodations made by furnishers. New XXXX  XXXX ( XXXX  ) ( XXXX ) ( XXXX ) requires a furnisher making a XXXX related accommodation on a consumer 's loan account to report the account as current unless the account was delinquent prior to the accommodation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was unable to repay a car title loan, they repossessed the vehicle and now they are still after me for more fees. The amount of the loan that remained unpaid is the same if not more than what they are charging me for the auction sale of the vehicle they took from me. and they are harassing me at work multiple times a day calling everyone and releasing private information regarding me. and they are very ride to me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX 2016 I made full payment for home owners insurance for my property XXXX XXXX XXXX XXXX Pa XXXX. The cost of the new policy was significantly less than the previous policy. From XXXX 2016 until present date Ditech has continued to escrow funds in excess of the total amount due divided by twelve months. The total amount of mortgage -principal, interest, real-estate and home insurance has not been assessed so that the correct amount of funds are credited as additional principal that I that I pay each month. The homeowners insurance was paid in full so there it should not have been included in the escrow balance. The total amount due for the mortgage should have been decreased or I should have received a refund of overage paid to my account. 
My home new home owners policy cost less than the previous one. I paid it in full. Yet Ditech continues to take funds from my payments and place them in escrow for the homeowners insurance. 
The additional principal has not been actually reflected on the statements. The principles should be significantly reduced because I pay an additional {$74.00} principal each month. Plus a XXXX balance due for home owners insurance should reflect be reflected on my statement. 
Ditech owes me for overage paid to my escrow, but a recent statement sent to me states that I have a deficiency of XXXX. This is not accurate. Also what are the rules that govern collecting a cushion for escrow Ditech is planning to collect & {$360.00} as a cushion escrow. Why is there a escrow cushion be calculated into mortgage if payment for the homeowners is paid in full. 
The escrow account disclosure is inaccurate and appears to be a deliberate effort to not reflect what was actually paid and what is actually owed. 

I want an independent assessment of my account. I want excess monies paid into my escrow refunded and I want all future additional monies paid to be credited as additional principle. 
XXXX XXXX Account number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: UT
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 & Experian is violation of 15 U.S Code 1681i ( XXXX ) ( B ) ( ii ) ( XXXX ). These items was deleted and you reinserted them without notifying me XXXX business days after and certifying that the items was validated properly. 

and failure to respond in 30 days FCRA Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to XXXX & Experian to report anything on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed an account on my report from the XXXX XXXX XXXX. XXXX   has remove this account from my report. I have requested this account be removed because I have never had a " loan '' with this company or had a " charge off '' with the XXXX XXXX XXXX. I have requested a Section ( 609 ) of the Fair Credit Reporting Act investigation and the credit bureau has NOT met the requirements of my requestion. Please sanction Equifax and XXXX  for NOT responding to my dispute request in accordance with Section ( 609 ) of the Fair Credit Reporting Act. 

My SSN is XXXX and my DOB is XX/XX/1963.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: MiraMed Revenue Group LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX {$1000.00} Original date of service : XX/XX/18 Sold to Miramed Revenue Group I went to the my Doctor 's office for something that should not have been sent to a lab for results. I was not aware of this cost of {$1000.00} or I would not have consented to the lab work being done. In the past I was treated with a prescription, but this particular nurse practitioner had repeatedly wanted to send things to the lab. 

I got the bill and called the Doctors office. They told me it was just too bad, & my responsibility to pay it. 

The results even indicated that all I needed was a prescription to remedy the problem.

Company response to consumer: Closed with explanation