BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I completed my bankruptcy and received a discharge and final paperwork to show that everything had been paid. Transunion refuses to update my account to show bankruptcy is complete. Also, the company workers are very rude and tried to submit it for investigation and refused to take it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was renting a car from XXXX. They have changed over the years, but that 's another story. I tried to get a monthly billing and tried to return the vehicle a number of times. I bank with Wells Fargo. Apparently, XXXX decided to charge me all at once a month while we were still in negotiations. I did not have enough money in my account for a XXXX charge and did not know anything about the charge. Wells Fargo paid that amount and overdrew my account. I complained and went ballistic. They gave me what they called a temporary credit. They just took the temporary credit from my account and overdrew me again. I am now overdrawn XXXX. This is my question, clearly this is their fault. They block transactions all of the time and make me call for approval on much smaller transactions in my daily life, how on earth did this happen and how am I at fault. They could have made arrangements with me to pay back the temporary credit in small increments over the past several months, but instead they broadsided me again. My account has also been hit about three times since I have had this account. I have been a customer since XX/XX/XXXX. They definitely back corporate charges to my account over my welfare and I have told them that in writing. The retail banking system is not American no matter what anybody says and has to stop. It 's my money. Why am I fighting and arguing over my money. I want to change banks but I am so afraid being treated the same way. I was by BofA to the tune of a settlement in my favor. I am sick of fighting for my money and I do not have much to fight over. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm trying to keep my home. Wells Fargo is planning on holding a sale while under review for mortgage assistance. My HUD counselor and myself have not been able to get WF to postpone the sale date.

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 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I was going over my credit file notice my XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX  # XXXX, XXXX XXXX # XXXX. account has not been properly updated to a positive status yet. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. This account is due to have the late payments removed from reporting from my XXXX, Trans Union, XXXX. I also saw that there is an unverified and HIPPA Act violation account from XXXX XXXX  XXXX # XXXX I never have done any business with that company, it is an error please delete at once.

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 2015-08-04
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Credit card
Issue: Other

Complaint:
Sometime during XX/XX/XXXX we opened a XXXX account through XXXX for medical services. Unfortunately, we could not afford to pay and defaulted on the account in XX/XX/XXXX. We are now being sued by Midland Funding , LLC, a collection agency, for the entire principal balance, interest, court costs, and attorney fees. We would like to know if we are entitled to a reimbursement pursuant to the Consent Order In the Matter of XXXX. We would also like to know if the collection agency has legal standing to sue us for the total amount of the debt, including interest. We have had a court mediation without any agreement for settlement so the case now moves to trial. Please also let us know where to find out if we are entitled to any reimbursement pursuant to the Consent Order. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Back in XXXX I purchased a car part from XXXX for about {$130.00}. The carport stated that it was for my car but when I received it, it was completely wrong. I made attempts to contact the seller and open the claim to return. The seller denied it and close the claim without even contacting me back I tried calling XXXX and they told me I shouldve called them first to settle it, so my only option left was to call Bank of America and tell them to dispute the charge. I told them everything exactly I even provided evidence with pictures and just today I receive that I wont be getting my money back and that I am in possession of the item which is because the seller didnt discuss anything with me at all, so obviously, I am in possession of it, and that there was no form of communication between me and the seller when there is and I have evidence of it that I sent to Bank of America XXXX I feel like everything I told him was ignored, and whoever was sitting behind the desk just wanted to get my claim over 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 explanation
Consumer complaint received 2017-01-04
Company: WELLS FARGO & COMPANY
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I went into my bank Welsfargo in forest grove on XXXX/XXXX/XXXX to make my auto loan current. My monthly payment is {$330.00} so they took out {$660.00} a payment for XXXX XXXX and a payment for XXXX XXXX. I told XXXX the branch manager to please not take out the payment for XXXX XXXX i will make that payment when my girlfriend gets paid on the XXXX of XXXX. I go into the forest grove welsfargo today XXXX/XXXX/XXXX @ XXXX XXXX to pull out {$550.00} to pay my rent and was told i have no money in my account, i got a print out statment and it 's showing that {$480.00} is pending for my auto loan my payment is only {$330.00} so why are they taking {$150.00} more then they should? It sure should n't be fir any fee 's because im sorry they should of taken care of that when i went in on the 3rd. I am so sick if this and welsfargo on how they XXXX the XXXX out if you for no reason. Trust me im far from done with this matter. I have let everyone i know that welsfargo will rip you off if you let them get away with it and to never bank with 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 2015-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I can not get my free reports online because the verification process keeps failing. I know there is fraudulent accounts negatively affecting my credit and I am certain it is due to identity theft by my biological father who shares the same first and last name as me and would be the most likely to have information on me such as my SSN, phone numbers, addresses, family members names and addresses, my birthdate, etc. the only difference in our names is the middle initial. The verifications ask about property being owned in states that I have never been to but that he has not only resided in but has been locked up in and is a convicted felon in with a lengthy criminal record to prove it. The questions also mention the names of several woman that he has been married to. He is currently in an XXXX State Penitentiary and public records can confirm that. Other questions did mention city 's that I have lived in and addresses that I 've lived at and belong to close relatives such as my mother and grandmother which is information that he definitely has as well seeing as how my grandmother has lived at the same address since my parents were kids in high school and my father lived with them once upon a time. How do I fix this? I am XXXX years old with a fianc* and XXXX young girls that I want nothing but the best for, and because of the bad credit associated with my name, I ca n't get a loan for anything at all so I can really get my life started. I have only XXXX vehicle that ca n't even seat my whole family at once and is not reliable by any means, as well as a house that is not suitable for anyone to have to live in due to its age and outdated structure, piping, and electrical system. It 's truly a death trap. But until my credit gets to looking much better, my chances of getting a mortgage and auto loan are impossible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Penn Credit Corporation
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Penn Credit Collection calls my house several times a day looking for someone that does not live here. I can never reach a human being to tell them to quit calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had sent letters to Equifax, XXXX, and XXXX in regards of my credit reporting. According to 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

As you can see on the letters, the credit bureaus are violating my rights by reporting inaccurate information. I have not received any letters stating how those so called debts have been validated. They are violating my rights of 15 U.S. Code 1692g, to verify those debts and show me proof. 

They are reporting inaccurate and misleading information and it is hurting me, my consumer laws are being violated and I have addressed them about and they have done nothing to remove those accounts because they are violating my rights.There 's so many inaccuracies showing on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This complaint is an addendum to a complaint filed earlier against Wells Fargo Bank The file no.is XXXX. This correspondence should be forward to XXXX XXXX XXXX, Department Manager of Research and Correspondence who answered the previous complaint. I followed up with his suggestion regarding my claim. That phone number referred me back to their Fraud Liability Div. where I was given another customer service Rep. XXXX times I called and their has been no response. The name XXXX XXXX,! -XXXX.Once again Wells Fargo stalled and did n't follow-up on their correspondence letter. Now the statute of limits is up on the initial charge of their negligence. I, now willpursue action against Wells Fargo under California code 530.8.The trial of documents will be presented in court to a judge force them to clear my name .Wells Fargo has n't made any attempt to help me. The fine is {$100.00} a day. The Initial investigation goes back to XXXX XXXX. I intend to name, you, XXXX XXXX XXXX in a separate small claims lawsuit at {$100.00} a day. The law passed in XX/XX/XXXX and is specific about Wells Fargo 's obligation. In addition I will forward a whistle blower complaint to the Attorney Generals office of the state of California and the US attorney 's office in XXXX XXXX, California. I will ask them to investigate how an account opened in my name disappeared from your system.Could their be other accounts opened. Did anyone internally delete this fraudulent account.? The state of California losses might be greater than just mine. Did your bank investigate? My records of the account existence will be Social Security records, XXXX, the IRS and the district attorney 's of XXXX XXXX, California. Let 's fine out who the judge believes or better yet let there be a jury to decide the amount of damages. XXXX XXXX dollars a day. Can you afford to pay your own lawyer fees, XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
To whom it concerns, I refinanced home mortgage from Suntrust ( Truist now after merger ) to other financial company at XX/XX/XXXX. 
I received disbursement check {$4300.00} and deposited at my checking account of XXXX XXXX Bank on XX/XX/XXXX, but was charged back on XX/XX/XXXX because of refer to maker reason. 
From XX/XX/XXXX to XX/XX/XXXX, I have talked numerous Truist client resolution representatives. And upon request from them, I submitted my bank checking account statement of chargeback to 3 different Truist representatives. 
Then XX/XX/XXXX I received a letter claiming that disbursement check was deposited at XXXX  XXXX XXXX on XX/XX/XXXX. 
I don't have any account at XXXX XXXX  XXXX. I submitted XXXX XXXX XXXXXXXX document showing no account under my social security number. I requested Fraud investigation to Truist and on XXXX  Truist sent me a letter of investigation started and expected to complete in 30 days. 
My bank ( XXXX XXXX XXXX  ) reached out to me about inquiry from Truist regarding disbursement check chargeback records and I granted XXXX XXXX  to provide all necessary information. 
Since then I have not received any information of fraud investigation and I asked to different Truist client resolution representatives, but no response this year. 

These are Suntrust ( Truist ) mortgage account information XXXX XXXX XXXX XXXX And I received 2 case numbers ; XXXX and XXXX. 

I can not waste any more of time after 14 months of this. 

Thanks, 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 2015-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed the public record on my credit report as it is reporting an inaccurate dollar amount i provided proof of the dollar amount that it should be showing and that the debt has been paid transunion and experian will not update correctly. I asked both credit bureaus for information as how the investigation was conducted, I was advised that they do not investigate they ask the creditor to do so. I do n't understand how you can ask someone that is reporting the wrong information to investigate and the dispute was filed with the credit bureau. I was under the impression that the credit bureau would do an investigation. I have spoke withthem several times by phone online disputes asnd certified and us postal mail and no corporation to get this updated or removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I had been taking out a payday loan with CashNet USA for a few months. After repaying my loan and signing in to reborrow, I did n't see the option of my original payday loan, only the " new '' option of a Line of Credit. I was approved. The payments were set up to draft from my account monthly. The first payment was roughly {$240.00}. However, the following payments were just down right ridiculous. Ranging from $ XXXX- {$800.00}!! That 's more than ALL of my monthly expenses combined! And to top it off, the line of credit gains interest DAILY. My balance is the same that it was when I was initially approved for the loan. It does n't seem like there is a way out! I feel like I am a victim of predatory lending.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: WELLS FARGO & COMPANY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I moved home to XXXX from the XXXX in XXXX 2014. Prior to leaving XXXX, a customer service officer at Wells Fargo cancelled my debit card linked to my account without my consent. By doing so, he restricted access to my funds both via using the debit card and through my online bank account. Fast forward to 3 years later after endless phones and writing letters including signed copies of my passport and all the requested information in order to verify me for security purposes, the bank refuses to give me access to my funds which have been sitting there since end of 2014 and statements of my bank account for the year of 2014 which has resulted in me unable to file my tax return on time. This has incurred a lot of penalties and charges. Their only solution has been to have me fly back to the XXXX at my own cost and come into a bank to resolve this face to face.

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 2016-08-10
Company: WELLS FARGO & COMPANY
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
This is the second complaint that I have filed on Wells Fargo Dealer Services. The first one they responded saying that the other party involved was going to handle this. Well that party will not answer me, so therefore it falls back on Wells Fargo. We had a vehicle repossessed ( completely our fault ) we paid what was due and with in 2 days later our car was picked up again!!!! I can not get Wells Fargo or the other party to answer me now. This was wrong and they need to own up to 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 monetary relief
Consumer complaint received 2023-04-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI
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:
Complaint against ChexSystems. I was notified by two financial institutions that there was a fraudulent attempt to open a deposit account in my name. I placed a Fraud Alert with ChexSystems. I subsequently attempted to obtain a copy of my ChexSystems report on line. After two failed attempts I called the number proved to talk to customer service. The number published by ChexSystems does not provide customer service. I called two different numbers listed by ChexSystems and was advised the number was only applicable to activating their monitoring product. They had no idea how I could speak with a customer service representative regarding my report. I downloaded the ChexSystems Request form to obtain my report. and mailed it to the address provided on the form. I received a response on XX/XX/XXXX, XXXX which was merely disclosures and a security alert request form. I did not receive the requested report. This unfair and deceptive in that ChexSystems customer service numbers, XXXX and XXXX, do not connect you with a customer service representative that can answer questions and submission of the report request form does not result in providing such form. I have attempted to attach a copy of the request form and response, but they exceeded the memory limit.

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 2015-05-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Home Mortgage : I believe it was in XXXX 2012 I was forced to move from my home because of financial reason ( loss of employment ) and violence in neighborhood ( XXXX, XXXX, XXXX ). Before moving, I contacted WF and tried to short sell the home, then I tried to deed-in-lieu. Over the past XXXX years I would be told I was approved, then I was n't approved because a piece of paper was lost, or the time limited had expired on my file ... this has been going on and on. Now I am being subjected to a collection agency. I do n't believe that WF has the deed to this property and I am powerless to do anything about it, but receive the outcome of having credit rating trashed and no answers. I have even tried to use an attorney but am told that there is nothing I can do. Foreclose on the property and let me have my life back. I am XXXX and am now estranged from my husband that has recently lost his job because of XXXX

Company response to consumer: Closed with explanation