BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wednesday XXXX XXXX 2022 circa XXXX XXXX - XXXX XXXX : I attempted to deposit {$500.00} cash and a check ( {$670.00} ) to my Wells Fargo checking account via an ATM ( ATM ID : XXXX, XXXX XXXX XXXX, XXXX, CO XXXX ). The check was accepted but the cash was returned to me because the machine wasn't able to read it. I tried redepositing the cash and the ATM machine took it, but my bank account was never updated to include the {$500.00} cash deposit. The total deposit should have been {$1100.00}, but I was only credited {$670.00}. Wednesday XXXX XXXX 2022 circa XXXX XXXX - XXXX XXXX : Submitted claim to Wells Fargo, ATM/Debit/Prepaid Card Claim Reference Number XXXX. Wednesday XXXX XXXX 2022 : Claim Denied by Wells Fargo. 

I am filing an additional complaint because I am requesting a full audit of the video cameras, ATM machine 's faultiness, and the person who picked up the cash & checked the ATM following my transaction. You are failing to protect your consumers if you aren't maintaining your ATM machine to prevent cases where it's taking cash without depositing it into the rightful account. {$500.00} was stolen from me, and I am requesting further auditing to determine where it went.

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: OH
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:
In accordance with the Fair Credit Reporting act, these companies have violated my rights. 

- XXXX XXXX XXXX / Account # - XXXX - XXXX XXXX XXXX XXXX Account # - XXXX 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 non-monetary relief
Consumer complaint received 2022-09-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: RI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Two issues Lender : SPS Servicing Address : XXXX XXXX XXXXXXXX, XXXX RI XXXX XXXX. Shortage in escrow, unsure how. Payments on time ( absent for covid relief, then forbearance to loan modification ). 
I began to make split payment around XXXX, did so for a few months. I believe that SPS servicing made a mistake and put " extra '' payment towards mortgage and not to escrow. Therefore, giving me less in escrow and a not payment " not due " til XXXX.

Id like for the payment analysis to be reviewed and corrected so my monthly payments do not unnecessarily increase.

I do have XXXX  's payment, just waiting to see this corrected before I send out it out. I DO NOT want any this to reflect negatively on my credit report. I'm not late and it was a mistake on SPS, hoping they can rectify it quickly.

2. I received a notice for mediation on a foreclosure from SPS, WHY? I'm not late and don't understand the problem. When I told the person that over the phone, they told me to simply disregard. Absolutely not, this also needs to be corrected in writing as the other issue. 
Please let me know how best to move for with these matters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dispute of Late Payment on Credit Report Dear XXXX I am writing to dispute a late payment reported on my credit report. I believe this late payment reporting is inaccurate and requests a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under Section 611 of the FCRA, I am entitled to dispute any incomplete or inaccurate information in my credit report and request that it be corrected or removed if it can not be verified. 

The specifics of my dispute are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX  I believe this late payment is a mistake due to [ explain your reason - e.g., payment was made on time, there was an error in the creditor 's system. 

These lenders have accessed your credit file without my permission and I request they be deleted. 

XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  In accordance with the FCRA, I kindly request that you investigate this matter with the creditor and provide me with the following : Verification of the late payment, including the date and amount. 
A description of the procedure used to determine the accuracy and completeness of the information. 
If the information is found to be inaccurate, I request that it be removed or corrected immediately. 
I understand that under the FCRA, you are required to complete this investigation within 30 days of receipt of this letter. I expect to receive a response from your office regarding this matter as soon as possible. 

Thank you for your attention to this matter. Please send me a written confirmation of the receipt of this letter and the results of your investigation. 

Sincerely, 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 2023-01-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have questions about the Wells Fargo lawsuit. What about mortgage loan borrowers that where wrongful denied loan modifications that would have otherwise prevented foreclosure? My house wasnt foreclosed only because I filed bankruptcy to save my house. I was a single parent and had no choose, I needed to keep a roof over my kids head. 

Over the years I have learned that I am not the only person who had a mortgage loan with Wells Fargo that was also denied a loan modification and chose bankruptcy to save their home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX We Sent Out A Dispute Letter Asking Equifax Credit Bureau To Verify Make And Sure That They Are Reporting 100 % Accuracy On My Credit Report. I Gave Them 30 Days To Respond And I Didnt Receive Any Response Back From Them. According To FCRA Section 611 ( ) U.S.C 16811 Metro To Compliance Standards, I Challenge All Inaccuracies And Deficiencies Of Reporting. Today Is Now XX/XX/XXXX I Am Now Reporting Equifax To A No Response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: NC
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:
My social security number is XXXX on my experian credit report theirs is 2 negative items that are charged off they supported to be removed due to fraud I have a federal trade commission identity theft report on file normally they remove it in 24 hours and the othe issue I have four hard inquiries that are fraud please have experian remove those items

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: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I went to Macy 's Department Store in XXXX XXXX, FL to pay off my account. I had a bank draft check in the total amount of the statement which was {$5200.00}, dated XX/XX/XXXX, check # XXXX. This is a Macy 's XXXX XXXX card so the check was made out to XXXX XXXXCitibank XXXX The Macy 's clerk swiped my Macy 's credit card to open my account and processed the check. I believed everything to be just fine and paid off. On XX/XX/XXXX I checked my account online and the balance was still showing -- the payment had not been applied. I called the bank and they told me the check was cleared on XX/XX/XXXX. I asked for a copy of the front & back of the check, which they sent to me. I called Macy 's customer service to tell them about the situation and was told I had to put it in writing and fax the documents to them, which I did. I received a letter from Macy 's saying that my complaint was under investigation and it would take 21 days. In the meantime, on XX/XX/XXXX I went back to the Macy 's store that I made the payment to in XXXX XXXX, FL and went to their customer service department. I explained the situation and asked to speak to a XXXX. The " XXXX '', XXXX would not even come talk to me. I asked the Macy 's clerk to give her the copies of the letter and the front & back of the check, which they did. I was told that she would call me as soon as she could. On XX/XX/XXXX I received a letter from Macy 's saying that they do not know who cashed the check but they did not and that their investigation was closed!! They stated that if I wanted further review that I would have to provide them with more information on who cashed the check. How am I supposed to do that? I placed a call again to XXXX, on XX/XX/XXXX and she said that she had not gotten to my paperwork yet. She had not done one thing in 2 weeks! I have called Macy 's customer service over and over again but can not get this resolved. They have cleared my check and did not apply my payment correctly and do not want to do the work to find out why. Or is this just downright fraud? I have no idea what to do and do not want my credit ruined over this. I can not find any phone numbers to call except for Macy 's customer service, which is outsourced to XXXX and is impossible to get an English-speaking person on the line. Most of my calls to them end up with me being placed on hold until the line eventually hangs up. This is complete nonsense! What recourse do I have?

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 2022-09-22
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I obtained a Santander Ultimate Cash Back credit card in the XXXX of XXXX. It promises 3 % on all " qualified '' purchases for the first year ( until XX/XX/XXXX in my case ). Two issues. First I have only received 1.5 % cash back since I have had the card. Second, I have attempted to find out whether any of my very ordinary purchases have not been qualified. I have looked everywhere on the Ultimate Cash Back website to find the definition of qualified and have not found one. Neither have I found the definition of " qualified '' in the paper work I was given upon signing up for the subject credit card.

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 2022-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : CAPITAL ONE BANK USA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: LD Holdings Group, LLC
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan servicer, Loan Depot, is trying to take advantage of my situation as I try to resume payments following a COVID forbearance. My forbearance period ended on XX/XX/XXXX with about 12 months of past due mortgage payments. I indicated to the servicer that I was ready to resume my normal payment but needed an alternative to paying back the past due amount as a lump sum. I contacted them in XXXX several times and they finally initiated a loss mitigation review on XX/XX/XXXX. 

At that time, the XXXX  was still offering the XXXX  XXXX XXXX XXXX ( XXXX  ) until XX/XX/XXXX. My account was not considered for this loss mitigation method. Instead, underwriters at Loan Depot sat on my package for nearly XXXX months. On XX/XX/XXXX, I finally received an offer to resume payments. 

That offer came in the form of a terribly worded Trail Payment Plan letter where I saw that my payments would be increasing by over {$500.00} per month. There was no financial justification provided in this letter for the increase in payment amount, nor any details of the loss mitigation method that was selected. 

I had to call the company several times to basically pull the information I was looking for from them. I am being told that these trial payments are because they are proposing a loan modification where they will increase my interest rate and add my past due amount to the principal balance. 

I was told that the last date to apply for the XXXX  program at Loan Depot was actually XX/XX/XXXX. This internal deadline was never communicated to be prior to XX/XX/XXXX or I would have considered applying earlier. 

I am very frustrated at the misleading language of their trial period plan letter and the fact that they did not consider me for a VA program which I was eligible for, interested in, and would have been in my best interest. 

Additionally, the XXXX  informed me that they still have a COVID Refund Modification program available until XX/XX/XXXX. This is yet another program that would be in my best interest that Loan Depot hasnt considered for me. 

They threaten forbearance and use scare tactics to try and bully customers out of forbearance. They dont consider us for programs upon which we are eligible. And when they do make a loan modification offer, they are cryptic and withhold critical information such as interest rate changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2022-07-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX  the wrong person, called wells fargo right away while transfer was still pending The amount was for XXXX. Wells Fargo took the claim but hasnt answered anything yet.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Can you update my address and name on my credit profile.

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 2023-01-28
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have been disputing several negative elements of my credit for more than 90 days and I have not obtained any result or response from the credit bureaus. I am trying to fix my credit because I want to buy a house, however the bureaus have been very irresponsible with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: NC
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 showing up on my credit report. This account is not mine. Here is the information listed : XXXX XXXX Account # XXXX, opened XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, 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: 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX XXXX hasn't responded to my dispute letter in over 30 days. 

I have sent certified mail and attached the receipt number as well in my dispute letter. 


receipt # : XXXX The account # : I was disputing was : 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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Do to the fair credit report these accounts with department of educationXXXX XXXX should have been removed after 7yesrs

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this 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 non-monetary relief