BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-21
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card
Issue: Late fee

Complaint:
I took a home improvement card from Wells Fargo Financial National Bank for a home improvement. They offered a 48 month no interest loan. I made an initial payment to even out the amount I would have to pay then set up auto pay from my checking to pay half of the due amount every two weeks. In short, there is no possible way that I have missed or have been late with a payment. When I got my last statement, Wells Fargo has charged me a {$25.00} late fee. The fee was generated because they have cutoff dates when they apply money to the bill and because they applied part of the XXXX payment in XXXX, they have justified billing me a late fee. I called Wells Fargo and asked them to remove the late fee because there is no possible way that I was late with a payment. The agent said, " As a XXXX time courtesy, I can reverse the charge but you will be responsible for future late fees. '' They imposed the late fees through their own action and not because I was late. I have since had to re-structure my payment plan to pay the entire amount once per month so they can not continue to manipulate the pay date to unfairly charge bogus late fees. It is not a courtesy to give me back money that they had no right to take in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Let me inform you that I have reached out to the companies and they approved to REPAIR the accounts in my file. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that these accounts be thoroughly investigated and updated for proper and legal accuracy. Please fix the accounts : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just looked at a new updated copy of my credit report and noticed  Commonwealth Financial Services , Inc  XXXX  reporting a negative account. I contacted them today,  XX/XX/2017   , by phone and spoke to  XXXX   ID/Ext  #  XXXX , and asked why they were reporting on my account without me knowing any of this in writing or by phone before placing it on my credit report and also told him that I am disputing this alleged debt. I was just pre-approved on a loan and was told that this will harm my  credit score  and I will not be able to close until this matter is resolved. I demanded verification and can not wait by mail and want  Commonwealth Financial Services , Inc.  to upload any verification documents they might have here per the FDCPA and FCRA laws.  XXXX  also tried to have me pay just so this account goes away even though I told him several times that I did not owe this alleged debt and I am disputing it as it is not mine. I have no problem paying a debt that I really owe, especially in the current situation that I am in but I will not pay for something that is not mine. I demand this be verified with all the documents they claimed to allegedly have including my signature or remove this from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo Bank took an authorized payment for an auto loan that I have with them. I paid {$190.00} because that 's what I could pay, but Wells Fargo Auto loan department took {$380.00} off my account without my permission. I want my money back please. The money was to be used to pay for Daycare so that I can go to work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This unconfirmed accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the XXXX Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$210000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
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:
In accordance with the fair credit reporting act, the account XXXX ( XXXX XXXX ) has violated my rights. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account ending in XXXX from XXXX XXXX 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

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 2016-05-06
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Applied for a modification when my husband passed away and I was the only income. They sent me the package which I completed sending all requested documents/tax returns/death certificate-notarizefterd. SS statement of benefits/XXXX years of bank records/copies of all my monthly expenses. All this was faxed at my expense. Then the calls/e-mails started ... ..they needed this they needed that. I sent it all I told them.Well we are missing documents. Sent what they requested again.Faxed. to them. Still missing documents.. Supposedly they assign an account manager to your case but you never get to speak to that person.Anyone answering the phone can help they say. After almost a year I get a letter saying I was denied the modification because of missing documents. I stopped paying my mortgage and told then they can foreclose which will take about two years. When we go to court I will show how they try to " help '' their customers especially seniors. As of now I am only XXXX payments in arrears

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I've sent XXXX and XXXX several dispute letters to have these hard inquiries removed from my credit report, I have not authorized these inquiries with my written consent, Section 604 15 U.S.C. 1681B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I tried to use a Capital One debit card XXXX times at a bank in XXXX on XX/XX/2022, but the transactions did not process. A few days later I noticed Capital One had posted that I had withdrawn {$630.00} ( XXXX Euro ) - which I had not. I contacted Capital One and filed a fraud claim. Because of the time stamp on the transaction and the fact it said I had made XXXX withdrawals in less than XXXX seconds from XXXX branches of a bank in XXXX that are XXXX minutes away from one another, I believed someone had my info and was making fraudulent transactions. As it turns out Capital One had decided to pull funds from my account even though the ATM had given me a " Transaction not possible at this time '' message and I never received the money. 

The Capital One customer service people have been less than helpful. I was told my claim was denied and I'd have to prove I did not get the cash. Proving something didn't happen is a difficult task. Well I have witnesses, but that was not good enough for them. I'm being treated like a liar and a thief, trying to scam Capital one. No one at Capital One charged with investigating did anything. The customer service staff is obviously trained to say no to every claim and try to frustrate customers into just giving up. I wonder how much profits are generated by this strategy? I have found online many people complaining of similar issues with Capital One. 

XXXXXXXX XXXX  in XXXX has confirmed the three attempts to make a transaction had each failed. They provided supporting documents, which have been shared with Capital One. So I have witnesses and the bank in XXXX is in writing backing my claim. I never got the money, but Capital One took it from my account. Instead of helping resolve the issue, Capital One just doesn't respond. Why is it that a bank in XXXX that I don't have any relationship with has provided better customer service than Capital One, where I've had an account for more than a decade? 

They took my money in seconds and have not returned it weeks later. Moreover, they have denied my claim even though I have proof I did not receive the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Select Portfolio Servicing is a debt collector who claims to have seized my home in year 2004. I still reside in said home. I am a veteran XXXX being bullied by this company. Repeatedly sending the local Sheriff to my home and posting foreclosure papers. I did not ever receive a loan from this company. The company they claim to be collecting for is XXXX XXXX which is no longer in the loan business. I believe the statute of limitations is expired on their debt claim. There are discrepancies in the tax records on said property they are claiming to seize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX bank keeps saying it can not approve my credit card application for the following reason : " Unable to verify Identity ''. ( see XXXX letter attached ). Experian keeps recording wrong names which is the direct cause of the discrepancies. ( see recent credit report attached ). When queried by creditors, Experian does not return first my main identity as shown on my ID ( attached also ) with my correct full name but instead a series of variations which causes the approval failure. I complained several times about this problem. Finally, Experian added to my report a Personal Statements : " SPECIFIC PATRONYM RISK AS MY FULL NAME IS MADE OF A COMBINATION OF FOUR EXTREMELY COMMON GIVEN NAMES AND FAMILY NAMES WHERE ALL INVERSIONS, SUBSTITUTIONS, OMISSIONS, OR MISSPELLING CAN BE LINKED TO EXISTING INDIVIDUALS. REQUIRE THAT ANY NAME RECORD EXCLUSIVELY CONTAINS MY FULL PATRONYM AS OF 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 non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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 with the fair credit reporting act XXXXt XXXX XXXX bank 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 also states a consumer reporting agency can not Furnish a account without my written signature or instructions to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Affirm Holdings, Inc
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mistakenly ordered a bed from XXXX in spring of 2021. I canceled the order within minutes and called them to verify. They laughed at me and said that the order would be shipped to my house anyway and then I could return it for free. I told them not to ship it to me and I told XXXX not to deliver it to me. The item was never shipped nor delivered to me. XXXX claimed that I received the item and had to pay over {$1000.00} to return it. XXXX would not communicate with me and they passed it off to XXXX creditXXXX XXXX  refused to communicate with me and now I have debt collectors after me. I am XXXX XXXX XXXX and have NEVER had a bad debt or even a late payment. This harassment has to stop. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
I have inquiries on my credit report and I dont have the card or object. Its a lot of inquiry auto loans on my credit report that I didnt make and I dont have a car that match these inquiries

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 2022-04-22
Company: Social Finance, 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: Personal information incorrect

Complaint:
SoFi bank keeps saying it can not approve my credit card application for the following reason : " Unable to verify Identity ''. ( see Sofi letter attached ). XXXX keeps recording wrong names which is the direct cause of the discrepancies. ( see recent credit report attached ). When queried by creditors, XXXX does not return first my main identity as shown on my ID ( attached also ) with my correct full name but instead a series of variations which causes the approval failure. I complained several times about this problem. Finally, XXXX added to my report a Personal Statements : " SPECIFIC PATRONYM RISK AS MY FULL NAME IS MADE OF A COMBINATION OF FOUR EXTREMELY COMMON GIVEN NAMES AND FAMILY NAMES WHERE ALL INVERSIONS, SUBSTITUTIONS, OMISSIONS, OR MISSPELLING CAN BE LINKED TO EXISTING INDIVIDUALS. REQUIRE THAT ANY NAME RECORD EXCLUSIVELY CONTAINS MY FULL PATRONYM AS OF XXXX XXXX XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I file for Chapter XXXX Bankruptcy protection, and requested the federal court to issued a Temporary Restraining Order against SPS the mortgage servicer to prevent the sale of my XXXX House, on XXXX XXXX, 2015 the court Grand me a Temporary restraining Order against SPS ( Copy Attached ) but the following attorney for the SPS, XXXX XXXX, requested a sale of the property that at the same time we were working in a mortgage modification ( Dual Tracking )., at the same time I was communicating with the case manager XXXX XXXX XXXX continue to tell me that the SPS will stop the sale as long I provide all documentation witch I did. they request the sale to be schedule by XXXX XXXX, 2015, and the day of the sale the Judge denied the motion to cancel the sale but it was a clerical error so the sale it was schedule for XXXX XXXX, I contact the SPS Case manager XXXX and she told me that they will vacated the sale,. at the day of the hearing the SPS attorneys did not show so the Judge continuo with the sale., the property it was sold XXXX XXXX violating Federal Bankruptcy Rules and CFPB Rules like ( Dual Tracking )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: FL
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:
Experian XXXX  XXXX  XXXX  and XXXX XXXX  Also inquirys on all 3 cresit reports that has expired they have not remove onve account with XXXX  on my credit for a loan amount of XXXX had been paid off and in full the other amount for XXXX also was on there inaccurate never got that money from them they still reporting it was accurate have a email from XXXX  coperate supervisor saying they dont send proof of it been paid off they send emails i have proof of that as well all this happen from XX/XX/XXXX til today XX/XX/XXXX the. All 3 credit reprting agency will not dispute my debt with XXXX  XXXX  and remove it off my credit it was paid in full its hard to get them people on the phone with all 3 reporting agencies they messed my credit score up not giving proper credit to me for inquires being remove n wont dispute credit inquirys im unaware of my last four of ss # 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 2017-11-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX is reporting account is charged off when it was paid in full.

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 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX is reporting account is charged off when it was paid in full.

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 2016-01-11
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I allowed Quicken Loans to check my credit once in early XXXX of 2015 as I was shopping for a refinance opportunity. I checked my credit report and found Quicken Loans has made several additional credit checks since the first and only XXXX that I authorized. My credit score has dropped due to their repeated credit checking. After the original credit check with Quicken I told them I was not interested. I wish to file a complaint against Quicken Loans and request they have the credit bureau 's remove all the additional credit checks they made following the first and only credit check I authorized.

Company response to consumer: Closed with explanation