BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Please reference complaint XXXX and the subsequent dispute that has gone nowhere. The details are outlined in the complaint. 

Wells Fargo responded with a lie that is a violation of consumer protection laws. At the time my mortgage was contracted they had a contractual relationship with XXXX to manage the bi-monthly payments for my 15 year mortgage. I asked in my complaint that Wells Fargo provide the documentation that I signed in the application that explains that paying twice a month would only save me one year on the length of my mortgage as opposed to 4 years which is what I was told. 
Wells Fargo 's response was that the blame lies with XXXX, with whom they said I contracted on an individual basis. 
This is not true - Wells Fargo and XXXX had a contractual relationship at the time. 
As a consumer I am entitled to see the documentation from either Wells Fargo or XXXX that documents definitively the terms of the bi-monthly payment and the end-date of the schedule given the advanced payments. 
The purpose of this complaint is to have BOTH Wells Fargo and XXXX speak and provide me with the documentation that clearly states the conditions that I agreed to when I signed up for the twice a month payments. 
XXXX XXXX XXXX, CA XXXX I do not want to hear that they are blaming the other one - they had a contractual relationship with each other at the time of the mortgage and they need to provide the documentation that was a part of the application process that explains that I understood the timing and conditions of the advanced payments that I agreed to.

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 2022-05-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payments with XXXX Bank formally known as XXXX bank on account number XXXX for a XXXX XXXX XXXX This vehicle was awarded to my ex wife XXXX XXXX XXXX, Social Security number XXXX in our divorce decree. Cause NO. XXXX. 

XXXX XXXX Beginning XX/XX/XXXX, XXXX XXXX XXXX is ORDERED to provide timely payment of any and all debts secured by the XXXXXXXX XXXX XXXX awarded to her herein. IT IS FURTHER ORDERED that at the time that XXXX XXXX XXXX receives her portion of the equity from the marital residence as stated above, any and all debts secured by the vehicle awarded herein shall be paid in full from her share of said proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payments with XXXX Bank formally known as XXXX bank on account number XXXX for a XXXX XXXX XXXX This vehicle was awarded to my ex wife XXXX XXXX XXXX, Social Security number XXXX in our divorce decree. Cause NO. XXXX. 

XXXX XXXX Beginning XX/XX/XXXX, XXXX XXXX XXXX is ORDERED to provide timely payment of any and all debts secured by the XXXX XXXX XXXX awarded to her herein. IT IS FURTHER ORDERED that at the time that XXXX XXXX XXXX receives her portion of the equity from the marital residence as stated above, any and all debts secured by the vehicle awarded herein shall be paid in full from her share of said proceeds.

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 2016-10-14
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Harvard Collection ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) has started collection activity on XXXX alleged medical accounts by placing the XXXX accounts on my credit, XXXX and XXXX. ( acct # XXXX ) They are listed as being opened on XXXX/XXXX/16 and were put onto both credit bureaus on XXXX/XXXX/16. 

The insertion onto my my credit is collection activity. By law, FDCPA section 809 ( a ), collection agencies are required to notify the alleged debtor in writing within 5 days on starting collection activity. Harvard Collection did not and has not ever attempted to notify me before or after starting this collection activity in any manner as required by federal law. 

Secondly, both accounts appear to have the same account number and are from the same company. I believe they are also attempting to increase the negative impact on my credit by splitting these alleged bills into XXXX separate ones and cause double damage which is also against federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in Transunion and have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be corrected immediately or I will file for litigation. 

XXXX BANK XXXX, XXXX BANK 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 non-monetary relief
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in Equifax and have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be corrected immediately or I will file for litigation. 

XXXX BANK XXXX, XXXX BANK XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: SECURITY FINANCE CORP
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
MAKE THIS CLEAR : THIS WAS NOT MY LOAN Continental Credit in XXXX, Oklahoma initially called me XXXX/XXXX/16 @ XXXX asking to speak to my ex-wife of 4 years. I explained that I did n't know where she was or how to get in touch with her and asked them to please remove my number. The lady was very nice and apologized and stated she would be sure and get my name off of her file. 
XXXX/XXXX/16 @ XXXX received another call from continental credit again asking to speak to my ex-wife. I told the same lady again that we had been divorced for 4 years and I did not know how to get in touch with her. I made it very clear that if my name was not removed I would be filing a complaint. Again, she apologized and stated she would get it removed. 
XXXX/XXXX/16 @ XXXX received another call from them, this time I was unable to answer and the lady left a message " XXXX you need to call me at XXXX today '' this call has led me to file a complaint. I can provide all phone records if necessary. My next step will be a law suit if the calls do not stop.

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 2022-05-24
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent disputes to verify and validate this collection several times. I am a victim of identify fraud which is documented on my credit reports too. This has a collection that does not belong to me and was opened fraudulently I have no knowledge of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to permanently limit my PayPal account. I am using my Paypal account for my online business in XXXX XXXX since XX/XX/2022. My paypal account : XXXX has stucked and hold funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo guaranteed us a mortgage refinance in XXXX 2015 after months of documentation submissions. The bank had full and complete information regarding our financial situation XXXX impeccable credit, loan to value of 26 %, and very reasonable debt to income ratios XXXX. The bank continued to assure us that there was absolutely no issue with the refinance for three months and that we would close imminently, despite our continued alarms re a seemingly endless delay. The mortgage bankers avoided returning phone calls or emails for weeks on end and then misrepresented the situation and delivered false statements to us for at least three weeks prior to abruptly notifying us that the refinance was denied - after emailing us a week earlier stating that the loan would be approved. We made decisions based upon the assurances from Wells Fargo that, in retrospect, were complete fabrications. The entire process spanned almost 9 months and the mortgage bankers grossly misrepresented the truth, did not return phone calls or emails, and acted unprofessionally and unethically.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: SC
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$3400.00} XXXX XXXXXXXX Balance {$15000.00}

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 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX and I have had a credit card for 4 years. TransUnion and XXXX  do not provide me with my credit report or credit score. I called both TransUnion and XXXX  several times and they refuse to help me. I even mailed in dispute to each of the companies. 

My credit card company sends my credit history to these credit bureau every month, on the XXXX of the month. Yet I never receive my report or a score. 

When I ran a credit check, I got the following errors. 

1 ) Transunion error : " Record not found '' 2 ) XXXX error : " Invalid Spouse name '' and " The bureau data supplied doe not match borrower 's information '' TransUnion said that my first name is too short and so I need to hire a credit repair service. 

XXXX  said I do not have a credit file. 

If I have no credit history, my report should have said " Insufficient data '' instead. It's like my social security number is not registered with TransUnion and XXXX  ; and they are not even trying to investigate the issues. 

Why are these bureaus being to reluctant to help a consumer?

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 2022-05-24
Company: Experian Information Solutions Inc.
State: MS
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry from my credit file. 
XXXX XXXX XXXX XXXX  XX/XX/2021

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 2015-06-18
Company: Integrated Recovery Services
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by phone by a man who said he was calling from a law office, and that they were collecting on a loan that I owed to XXXX. He said I owed {$600.00} on the loan, and with late fees over time, I now owed {$1300.00}. But then he said that he would work with me, and that if I paid {$330.00}, within 24 hours, then that would settle it. 
I did have a loan from a few years ago, and I did have as dispute with the lender, because they took more debits than they were authorized for, and so I did not pay them anything else, but had paid back much of the loan. I am not certain if the loan was with multiloansource or not, and I could n't find documentation to support that they were the lender I used. I have also gotten a lot of other calls from other debt collectors who say I owe on a payday loan from online, and they all had things they said which made me think it was a scam. 
When I asked for information to be sent on the documentation of what was owed in writing, they said they could n't send me anything by regular mail, but that they could send something by email. They already had my email address, which I thought was strange. They also never identified themselves as to what company they were with until they sent the email which appeared to be sent from Integrated Recovery Services. The email was just a Word document saying that I owed the debt, but not any proof. I also recently learned that internet loans are void in my state, so I do n't know how they would freeze my assets, contact my employer and garnish my wages, as they said they would do. They said I had 24 hours to respond or they would take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$330.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$500.00} ), XXXX XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$710.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-08-29
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, and XX/XX/2022 I filed disputes with XXXX, transunion, and XXXX, all 3 credit bureaus due to there being collection accounts that are not mine ( 4 to be exact ) on all 3 of my credit reports. According to the rules and or laws for your guidelines, I got no response in a reasonable amount of time and heard no answer or anything explanation whay is happening. I would like these items removed from all 3 of credit reports, thank you. The items are : 1. XXXX XXXX. Acct # XXXX Account is not mine. 
2. XXXX XXXX XXXXXXXX XXXX Account Number XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # XXXX. Account is not mine. 
4. XXXX XXXX XXXX Account # XXXX. Account is not mine.

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 2016-10-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My house was damaged by fire in XX/XX/XXXX. Our Insurance ( XXXX ) payed {$75000.00} for rebuilding our house. Money was kept in our Escrow account in Wells Fargo Bank, which we have mortgage with. Wells Fargo paid us {$50000.00} but kept last {$25000.00}. They supposed to release it after we finish all construction work. After initial payment our contractor quit the job without finishing it, he even called our bank to inform them about that. We finished rebuilding our house in XX/XX/XXXX with our money and different contractors. I asked Wells Fargo to release the money but they informed us that we have to take our old contractor to court to be able to get money from Escrow account and till then money will be kept in Escrow. For those years they paid me interest ( 1 % ) from money they kept from us. They send me statement every XXXX of each year for my taxes. I did n't get this form XX/XX/XXXX so I called them to ask them about it. They told me that they paid my Escrow money to old contractor. They did n't contact me at all to informed me about that. After lots of phone calls and my frustration they send me a copy of the check they paid to contractor. Check was with my name and contractors name on it, my address on it, it was send to contractor. On back check was signed by him and it was also signed with second signature. 
I filled out check fraud endorsement and I am still waiting for answer. Wells Fargo is playing games : each time I called my case was assigned to new person. They are promising me to call me back same day or next day. Each time I am waiting 2 weeks and I am calling again and new person is there without knowledge of this problem. Bank made a lot of mistakes : my money was paid to contractor who did not perform the job, without noticing me they send the check to his address, he did sign it as me and cash it. 
I have record of all my communication with Wells Fargo and I would like to resolve this case, so please help with that.

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: PA
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I received a phone call this morning at XXXX regarding payment on our mortgage, which had already been made the previous day. I had advised a representative on XXXX/XXXX/16 of the payment and gave the confirmation number. I still received a phone call today at XXXX regarding this month 's payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with US Bank on XX/XX/2022. I used the opening account bonus offer of {$500.00}. I met all the requirements of direct deposit and keeping the account open. I was promised a deposit of {$500.00} within 2 weeks of meeting the requirements. It has been over 4 months since I met the requirement but never got the bonus. I called and followed up around 12 times with the bank where I opened the account. They promised me I will get it by early XXXX but I never did.

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 2022-05-24
Company: EQUIFAX, INC.
State: FL
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 XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, has violated my Rights 15 U.S.C 1681 section 602 A. States I have 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 response to consumer: Closed with explanation