BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo op ened a fake account that I did not authorize and then  one mon th later charged a fee for not having funds in it.

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 2017-04-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I sent a payment  to Wells Fargo ( Home Projects loan ) electronically from m y  XXXX    XXXX   Checking Account for several months now. I got enough money recently to pay off the loan amount and sent in the enough money to payoff the loan of {$1600.00} electronically from my  XXXX   XXXX   Checking Account to Wells Fargo Bank on   XXXX   XXXX . I checked my account on Friday  XXXX   XXXX  and noted it had not applied to the balance. I contacted them on Friday  XXXX   XXXX  using the websites message center and got a reply today that they never received my payment. I contacted  XXXX   XXXX  just to be told tha t Wells Fargo refu sed my electronic payment and so they sent a check to the  XXXX  address that I had for  Wells Fargo Financial National Ban k to pay on that loan. According to the  XXXX     XXXX   representative,  Wells Fargo ac cepted receipt of the check last week at the  XXXX  address. However, as of today it still has not be applied to my account and the payment is due today,  XXXX   XXXX ,    2017.      I sent a message  to Wells Fargo asking  that they review their records and verify they received the check ASAP. I have made copies of the communications that I have received and sent in their message center. They still do n't show the message I sent out today but I have the others.  XXXX  agreed to send me a copy of the information regards to the check and I 'll receive it within 7 days. They will put a stop payment on the check if I ask them but I do n't want to that because it is proof I sent the payment and it was received   by Wells Fargo.
Could you please help me ensure that Wells Fargo does n't   mess up my credit?     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 non-monetary relief
Consumer complaint received 2018-10-06
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I HAVE BEEN SENDING LETTER BECAUSE IN XXXX I CANCELED THE ACH PAYMENTS AND SET UP BILL PAY AT MY CREDIT UNION. NO ACH CAME OUT FOR 3 YEARS. THEY GOT ALL THE PAYMENTS OF {$200.00}. PER MONTH ON TIME AND WE WERE EVEN PAID AHEAD FROM MY CREDIT UNION. THEN IN XX/XX/XXXX SLS DECIDED TO TAKE OUT {$200.00} AND SAID IT WAS FROM MY ACH. I NEVER SET UP AN ACH OF {$200.00}. THE ACH I WAS PAYING AND THEN CANCELLED WAS {$200.00}. EVEN. BECAUSE OF MY PAYMENT FROM THE CREDIT UNION AND ACH PAYMENT COMING OUT I WAS CHARGED AN OVERDRAFT FEE AND I WANT SLS TO RETURN MY {$25.00}. OVERDRAFT. THEY KEEP SAYING I AUTHORIZED ACH, BUT I KEEP EXPLAINING IT WAS CANCELLED AND THE PROOF IT WAS CANCELLED IS THE FACT THAT IT DID NOT COME OUT FOR 3 YEARS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: JPMORGAN CHASE & CO.
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:
Please see attached letter 's mailed to your CARDMEMBER SERVICES XXXX XXXX XXXX XXXX, DE XXXX and to your Chase Bank Attn : Executive Office XXXX XXXX XXXX / XXXX XXXX, OH XXXX Not getting a response in writing as requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-29
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In XX/XX/XXXX i obtained a loan with Santander Consumer USA. XX/XX/XXXX XXXX XXXX. Purchased for XXXX. Two years later the interest rate is 30 % and i still owe not only the XXXX still but over 24,000k in interest. In two years they say that Ive only paid XXXX toward my note. The interest rate is a rip off. The value of the car in excellent condition is 8-11k. Ive tried to speak with them and continuously get nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Credit Corp Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Debt was originally satisfied by a previous FTC report, in this regard the debt was sold to a collector and has now repaired under a different collections account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I notified XXXX XXXX  that I was the new trustee for the Estate of XXXX XXXX XXXX and that XXXX XXXX XXXX the trustee before me had passed away XX/XX/XXXX due to a target car accident. I also entered into a repayment plan with XXXX XXXX  on XX/XX/XXXX effective XX/XX/XXXX which was expected to last 12 months. The last payment XXXX XXXX drafted out of my account was on XX/XX/XXXX in the amount of {$490.00}. The loan was transferred to FCI Lender Services , Inc. effective Thursday XX/XX/XXXX but according to FCI Lender Services the loan was transferred by XXXX XXXX with very little information. FCI claims they do not have records of the repayment plan or the XXXX XXXX XXXX which shows that I am the Trustee of the estate and is handling all administrative matters. I have received a statement dated XX/XX/XXXX which shows late fees in the amount of {$60.00} have been assessed to the account and a second notice dated XX/XX/XXXX telling me I am delinquent and need to remit a total amount of {$1300.00}. 

After several attempts to locate my account manager XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and the XXXX I finally spoke with a representative today on XX/XX/XXXX by the name of XXXX who tells me that unfortunately XXXX XXXX did not send in evidence of the trust and the repayment plan I entered into with XXXX in XX/XX/XXXX. XXXX confirmed that they can not reach out to XXXX XXXX on my behalf. I then immediately call XXXX XXXX and was told that they had an entire servicing team which FCI can contact and request clarification if there are any missing documents. 

I have attached the most recent Payment Statement sent by FCI, and the Delinquent Payment Reminder notice. I have included evidence of the repayment plan I entered with XXXX XXXX as well as my last bank statement showing the payment that was made. In addition I have also attached evidence of the living Trust. I will also be faxing this information to FCI Lender Services at XXXX. 

I am requesting that FCI waive all late fees assessed on the account, authorize me as the Trustee of the Estate of XXXX XXXX XXXX, and honor the repayment plan that I entered into with XXXX XXXX. If FCI has additional questions I am requesting that they reach out to XXXX XXXX. 

I am also requesting that XXXX XXXX  send me a payment history of my account as well as send all relevant information to FCI.

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 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I pulled my annual credit report XX/XX/XXXX and noticed I had incorrect and fraudulent accounts that were being reported. I sent a dispute letter in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX. I contacted XXXX XXXX XXXX in XX/XX/XXXX. stating that incorrect information is being reported on my credit report. Bankruptcy court replied, '' they do not report to credit agencies for me to dispute that information with the credit reporting agencies. '' Therefore I sent out the letter that I received from bankruptcy court asking them to remove it. And Transunion and XXXX refuse to remove it.

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 2023-04-08
Company: Experian Information Solutions Inc.
State: NY
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:
accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy According to the 15 u.s.c 1681 section 602 states I have the rights 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 15 U.S.C 1692C These addresses do not belong on my credit 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 explanation
Consumer complaint received 2021-05-23
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX : Account XXXX XXXX XXXX XXXX XXXX inaccurate reporting an item on my credit, Experian XXXX XXXX and XXXX  are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact XXXX XXXX XXXX and Experian, XXXX  and XXXX  correct and remove this inaccurate info from my credit 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 explanation
Consumer complaint received 2021-10-08
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital Systems is reporting a debt to the credit bureau that is not mine. I have asked for debt validation which has not been received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage with PNC bank and wanted to get a copy of the payoff statement, because I am refinancing. PNC will only provide it by mail ( takes about a week ) or by FAX. Even after verifying my identity over the phone and discussing many details of my mortgage, they would not even verbally tell me the content and amount of the payoff. Nobody has a fax machine. I went to the trouble of signing up for a web based fax service and provided my number - only to find out that there is a {$20.00} fee for getting the info by fax.

This is so wrong and there is no logic to it. If they don't trust me with the info over the phone, then why send it to a fax number that I provide? Seems clear it is to force their customers to pay {$20.00}. There is no reason I can imagine why this information can not be provided verbally or by some secure electronic method. It's my loan!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX of XXXX I opened a retail credit line with JC Penny through Synchrony Bank. for 2 years and 6 months straight i never missed a payment. On XXXX of XX/XX/XXXXsomebody used my identity and maxed out my credit card with JC Penny ( {$1300.00} ) I called Synchrony Bank to dispute the charges made and was told by the fraud representative that the investigation was successful and after investigation I had not made those charges. After 3 months of back and forth calling to remove the balance of the successful dispute Synchrony Bank sold the account to a collections agency named XXXX XXXX XXXX. This company has repeatedly called me at all hours of the day harassing me to pay a debt that is not mine. I changed my phone number 2 times and still they somehow find out my phone number and call me. I have told them multiple times that this is not my debt and they do not listen. I have disputed this charge on all XXXX credit bureaus with no end results. This account is listed on all XXXX of my credit reports as a JCP Charge off reporting negatively even after I was told that it was taken care of. I 'm tired of being harassed over this when i never made the charges to begin with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: BARCLAYS BANK DELAWARE
State: CA
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:
XX/XX/2021 To Whom It May Concern : I submitted a claim against a company that XXXX  me XXXX and XXXX my XXXX and the images sent were horrific. I expected my card company to stand by me and not allow fraudulent companies to profit and most certainly not profit during a pandemic while acting in bad service. 

I filed a dispute against XXXX for XXXX and XXXX my XXXX horrifically and not doing the procedure accurately for XXXX XXXX. I was not contacted for a follow-up or picture request. I've had to spend {$2000.00} fixing my XXXX  using my Barclaycard and XXXX XXXX. with XXXX XXXX. Is Barclay here to support the cardholder or bad companies who break customer choice and did not do a professional job and did not take any steps to rectify their mistake on my XXXX. I have called Barclay and sent a letter to disputes. The letter I received in the mail stated the cancellation agreement was broken and that was a LIE. I am disappointed and disgusted by Barclay 's handling of this. I have during the pandemic worked my XXXX off cleaning houses and making sure I keep my payments up to date and on time in large payments. I request via mail as well as the online message that this case be re-opened and re-addressed. The fee of {$240.00} be removed by my card company WILL NOT pay that company a dime. I went in person with a XXXX  and XXXX XXXX from their chemical mixture and the trauma I experienced is horrific and as bad as slavery if I am forced to pay this. I WILL NOT PAY THAT {$240.00} amount against that company and Barclay should be fighting for me. There was no missed appointment and they lied! I had hoped and still do that you will support me and uplift me as XXXX women all too often do not receive support nor do companies who purposefully abuse any customer get away with it. Please do not allow me to foot the bill for someone who did not safely administer nor did they when I came back in person give any options to remedy their bad actions. I had to go to another doctor with whom I have XXXX more appointments and have him repair my XXXX. Please stand by me. 

Thank you, XXXX XXXX Card ending 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 2019-11-19
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:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Sale of account

Complaint:
This is not a complaint but merely an attempt to communicate with this credit account where numerous phone calls and dead end transfers have put me without resolution.     On  XXXX  and  XXXX  of  XXXX , I tried to re ach JcPenney 's collect ion/bad debt divisions but attempts were futile and ended in incorrect department transfers and disconnections. Finally, on  X/XX/XX , I was able to be transferred correctly to the  XXXX  department at Synchrony Bank where I spoke to  XXXX  and he located my old account. My intent is to  1 )  request itemized charges and dates if need be to state my cause and the n 2 ) verify  and prove with proper affadavit detailing unauthorized use/ID theft on charges with this credit line that, by my discovery, go back to  XXXX  and maybe  XXXX .    XXXX  informed me that this account was sold off to  XXXX   XXXX  and that I need to contact them. I explained to  XXXX  that I already have contacted them, given them the affadavit at their request and that they have agreed and subsequently removed the reporting from all  XXXXX  reporting CBs. I explained th at JCP is still  reporting me separately from the collection agency and that if I need to validate this, I will do so gladly. Again,  XXXX  informed me that there is nothing he can do since the account was sold off to  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 2021-12-14
Company: Experian Information Solutions Inc.
State: NJ
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( 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 2021-12-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX XXXX are reporting inaccurate information on WELLS FARGO CARD SER. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

WELLS FARGO CARD SER Acct # XXX Date Opened XXXX XXXXXXXX XXXX Balance : {$1000.00}

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 2017-04-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In  XXXX    XXXX  , I filed for Ch.  XXXX  bankruptcy in the USBC NDG. In  XXXX    XXXX  , I received a Discharge ( see attached ). After a ten-year period,   XXXX   and   XXXX   removed any mention of debts which w ere discharged ; howev er, Equifax has continued to reinsert my mortgage as a new debt. I have disputed this account for the past 2 years with no success. Also, each time Equifax removes the account, it is reinserted a month later. This has caused my credit score to go down by  XXXX  points. I have reached out to  XXXX  as well. They have refused to acknowledge that the mortgag e was discharged and s hould be be reported to any of the CRAs. They are in direct violation of the FCRA.   Although I still reside in the house, there should be no reporting of payment/non-payment on the mortgage.   It is my hope that your agency can assist in getting this cleared up and my credit score restored to its previous number of  XXXX .   Thank you in advance.     -- -- --  XXXX   XXXX   XXXX   XXXX  --  XXXX

Company response to consumer: Closed with explanation