BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-04
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
My wide and I divorced in XXXX. As part of the settlement she was awarded our recently purchased home and XXXX rentals - and after my financial contribution, she was made responsible for the balances due on the mortgages. In late summer of XXXX I began receiving messages from the mortgage holders that payments were delinquent, and eventually I received phone calls from them. I explained the divorce and that the responsibility for payment belonged to her. I then contacted my attorney who, through her attorney, threatened to file contempt charges if she did not keep payments current. When calls from the mortgage company continued, I emailed my ex-wife about the missed payments. She replied by email that she was doing it to ruin my credit score. ( Her sister told me that she had told her the same thing ). I forwarded her email to her attorney who must have convinced her it was a bad idea, because she began making on-time payments. I also informed the mortgage companies of the email statement and was told they had documented it in the mortgage file. 
I recently was told that my credit score had dropped significantly, so this morning, I requested copies of my free annual reports from the website. Although I thought I had selected to see reports from all XXXX credit reporting agencies, the only XXXX I was able to access was the XXXX from Equifax ( which does show late payment on the mortgage account mentioned previously ). I tried to request the XXXX and XXXX reports a second time, but received a bounce telling me to come back in 12 months. I can not find a way to access the requested reports from XXXX and XXXX but since I have not done so, it seems they would still be accessible to me. 
Please provide instructions on how to access the credit reports from XXXX and XXXX 
Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2016-09-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is report that I have a judgement on my account and the judgement number is XXXX from a XXXX XXXX. I do n't know this person and have never been sued by this person. I 've enclosed the actually docket with this dispute. 
1 ) That 's not my name the name of the defendant is XXXX XXXX 2 ) The date that this person sued was on New Years Day XXXX/XXXX/XXXX according to Equifax when you look up the case it looks to have been filed on XXXX/XXXX/XXXX and resolved on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo has charged me a {$15.00} fee in connection with an individual ( relative ) wire transferring money into my checking account. Wells Fargo refuses to refund the full wire transfer fee of {$15.00}. My position is that the fee is unfair, inequitable, and that Wells Fargo did not fully and properly advise me of this fee when I opened the 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 monetary relief
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THESE ACCOUNTS LISTED SOMEONE USED MY INFORAMTION T OPEN THEM THEY USED MY PHOTO ID SOCIAL SECURITY NUMBER WITHOUT MY CONSENT SOMEONE STOLE MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-08-18
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I initiated an electronic payment which my bank indicated would arrive to my lending institution on XX/XX/XXXX. This was the date I intended the payment to arrive. My statement cut off date was XX/XX/XXXX. I wanted this payment to be applied to the XX/XX/XXXX statement. 

When I received my statement dated XX/XX/XXXX it did not reflect my payment of {$320.00} which was scheduled to arrive on XX/XX/XXXX. So I did not believe anything was amiss. 

On XX/XX/XXXX I received an email from Wells Fargo which stated : " We wanted to remind you that your payment for your WELLS FARGO XXXX XXXX ending in XXXX  is due today : XX/XX/XXXX. As of XXXX XXXX  PST, the minimum payment due has not been scheduled or received. '' I immediately called them and told them over the phone that I had sent a payment of {$320.00} and that my bank showed they had received the payment. They told me that my payment of {$320.00} was actually received on XX/XX/XXXX and had been applied to the XX/XX/XXXX statement, thereby creating a double payment for that statement and no payment for the XX/XX/XXXX statement. 

I told them that was incorrect and requested they needed to fix it. 

I was assured on the phone that they would fix this and that I would not be charged a late fee and also that my 0 % interest status would not be forfeited by this " late payment. '' Today I received my XX/XX/XXXX credit card statement in the mail and it showed my account past due. It showed my timely payment for {$320.00} dated XX/XX/XXXX. I was charged a late payment fee of {$29.00}. 

When I print " recent activity '' on their website it shows the last payment was received on XX/XX/XXXX. It does not show the payment I made yesterday on XX/XX/XXXX. The XX/XX/XXXX statement does not reflect the payment, but the XX/XX/XXXX statement does reflect the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-30
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
They sent duplicates of my card to an old addresses that should not have been on file still. Then shut both cards down without notifying me of anything. I have now tried to order the card multiple times and have still not received one. I have talked to supervisors and others at the bank and feel passed around. I feel my security has been at risk because of what workers they have and the protocols that have been established by the bank.

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 2016-04-20
Company: WELLS FARGO & COMPANY
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have several casino withdrawals from my account. As you can see in the attached statement, XXXX transactions for {$50.00} I was charged a {$35.00} fee for saying they 're fees for transactions received. 
Then XXXX {$50.00} item after that says NSF returned item fee for XXXX. So since the first XXXX said fees for items received, I concluded they were paid and I was just charged. Now these XXXX items are posting as retry payments when it was n't clear they were returned like the XXXX one stated. Wells Fargo also does n't show the balance with each transaction so you ca n't tell if your balance is negative or not, giving you the chance to deposit money to cover the balance. You also do n't know items were returned until the next day when you get notice. Again if the balance showed online, you would be able to see the balance was negative. The only thing they do is offer their services for overdraft protection, of course a sales tactic. I believe all of these banks count on the fees they can gouge from our accounts and they do n't work with their clients. Everyone I know in this world is struggling with this economy and we, the middle and lower class get screwed by banks with these fee gouging and lack of communication. Wells Fargo has the worst online site and their customer service is the worst. All they do is quote policy and do n't answer specific questions you ask. I have direct deposit every two weeks and manual deposits on the weeks in between the direct deposits so Wells Fargo knows money will be in my account. I also enjoy online casino gambling so money is deposited from this as well. They can see how much money goes in and out of my account. Even when I contact them through their online site to advise a deposit is going in the next day, they still say they ca n't help and I have to call. Everyone uses email as means of communication these days with our busy work schedules so why do they force you to call? Sorry, got off track of the issue. Not knowing these items were returned and going to be retried have caused problems with my balance available and will effect everything else coming in. Someone in this country must address these bank issues as they are killing our accounts with their outrageous fees. The items I 'm talking about are the recent items but it copied a whole statement.

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 2016-01-07
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a baloon mortgage with Wells Fargo. I have been trying to get a refinance with a better rate and more reasonable terms. Our refinance consultant has made it almost impossible to accomplish this. He/ they have made unreasonable demands before they can close. The amount in question is very small and our appraisal is more than twice the amount to be refinanced. Very poor communication and customer service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Credit Financial Services, lnc
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have sent letters to this collection agency to respond and send me proof of my debt, I have had the mortgage lending company to reach out to this company and no one responded at all. If it is in fact my debt, I will pay it but if I can not get proof it was my debt it should not be on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX has recently added a collection account to my credit report. After finding out about this account I reached out to XXXX and was informed this was a delinquent account attached to a business. When asked how much was the debt amount they told me they were not sure, but on my credit report it stated {$130.00}. I then asked what did they need from me to show I was not responsible for this debt and it was not mine, they stated they would call me back. I called the next day and at this point I was told the debt was actually $ XXXX and it was based on charge backs from a XXXX business. At this point I again asked them what they need to prove this was not my debt, they stated they would not accept anything other than payment or payment plan.

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 2016-08-29
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've attempted to send Central Credit Services ( centcreditserv ) the identity theft affidavit but their address is wrong on my credit report. I 've attached all supporting documents showing the return mail via certified usps tracking. Please help.. this is so stressful and I do n't see how collection agencies can just get away with this. 

Thank you

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 2020-09-30
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: Information belongs to someone else

Complaint:
XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX All the inquires from : 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 2015-11-24
Company: WELLS FARGO & COMPANY
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Wells Fargo Dealer Services has consistently denied me opportunities to bring my account current and avoid delinquent charges, harassing phone calls and damage to my credit bureau reports. 

On several occasions collections and customer service representatives refused to accept reasonable payment offers while demanding payment in full ( several payments + past due charges ). These seemingly institutional denials have caused unnecessarily accruing past due fees and delinquency reporting. 

I called tonight ( XXXX/XXXX/15 ) to apply for a deferment, which I was denied several times prior because my account was greater than 45 days past due. After describing my situation for several minutes with my customer service representative, XXXX [ not sure of spelling ], she advised me that she would have a supervisor review my account. She returned from an extensive hold to notify me that the supervisor denied my claim because I was only 30 days past due and have greater than 50-months remaining on my loan. I asked if there was formal guidance for her decision, which seemed arbitrary. She transferred me to the collections department. 

I described my situation again to XXXX in collections, who advised me that she did not think I qualified for a deferment and transferred me to my account manager, XXXX XXXX whom I have spoken to several times prior. On other occasions XXXX misrepresented himself as a supervisor ( admitting that he was only second voicing a call ), each time he has shown an unwillingness to consider a payment arrangement. Instead he demanded payment in full by end-of-month, most likely to benefit his bonus while sacrificing my further delinquency. Tonight XXXX sounded almost intoxicated while explaining arbitrary reasoning for not considering my request for a deferment. I insisted on speaking to a supervisor and was transferred to XXXX. 

XXXX answered the phone with an abrupt, harsh tone and eventually attempted to justify the reason for the customer service supervisor 's denial. I explained my short-term hardship, which included medical expenses from my wife 's recent XXXX. XXXX responded with the most disturbing statement imaginable, stating that a death would be considered a short-term recoverable situation but not my wife 's XXXX and subsequent periods of unemployment. I nearly choked when I basically heard her say that if my wife had died they might consider a deferment!!! Please listen to tonight 's recorded XXXX minute call beginning at XXXX EST.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06
Company: Big Picture Loans, LLC
State: TN
Product: Payday loan
Issue: Can't contact lender

Complaint:
I had to close my bank account due to fraud commited. I contacted the payday loan company to advise them of my situation and to offer a settlement to close my account. I have attached the supporting email. I have never been contacted back by this company. I received a phone call today from a collections agency, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, New York XXXX Tel : XXXX XXXXXXXXXXXX stating they are going to serve me papers on XXXX/XXXX/2015. I attempted to contact the XXXX company with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Please be advised that TAX LIENS REFLECTING ON MY CREDIT REPORT XXXX = {$1300.00}, and XXXX = {$6500.00} were SATISFIED IN FULL WITH GEORGIA DEPARTMENT OF REVENUE STATE TAX AND THE FEDERAL GOVERMENT/IRS. PLEASE CONDUCT REQUIRED INVESTIGATION AND MAKE CORRECTIONS REFLECTING THESE DEBTS SATISFIED IN FULL ASAP!!! I am a first time home buyer and these unwarrented adverse recordings are affecting me negatively UNFAIRLY as can be imagined!!! 
Your prompt attention would be immensely appretiated!! 

XXXX XXXX ( XXXX ) XXXX ( Direct cell ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
They first reported XXXX different balances on my credit report and my online account. I disputed this with XXXX, and it was removed ( page XXXX of attached file ), but its still showing with the other XXXX with differing balances. The car was totaled and paid via insurance and what was suppose to be gap insurance through the lender. The debt does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
HOUSE WAS SOLD. I DID NOT RECEIVE NECESSARY IRS FORMS TO BE ABLE TO FILE MY 2019 TAX RETURN FROM UNITED BANK 2019 1098 MORTGAGE INTEREST STATEMENT I EMAILED THEM, I SENT REGISTERED PRIORITY MAIL THEY HAD TO SIGN FOR REQUESTING THE 1098 IRS FORM TO BE ABLE TO FILE MY TAXES. THEY DON'T RESPOND. I HAD TO FILE FOR INCOME TAX EXTENSION AS THIS AMOUNT I PAID THIS BANK IS {$47000.00} interest and payments 2019. THIS IS THE 2ND MORTGAGE AND THE LIEN HAS BEEN RELEASED BY THE BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: EQUIFAX, INC.
State: FL
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:
THESE ACCOUNTS LISTED SOMEONE USED MY INFORAMTION T OPEN THEM THEY USED MY PHOTO ID SOCIAL SECURITY NUMBER WITHOUT MY CONSENT SOMEONE STOLE MY IDENTITY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation