BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-15
Company: Experian Information Solutions 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 status incorrect

Complaint:
I was on deferment with thin long and in the process of being on deferred loan I Fort was applying for XXXX through XXXX XXXX and during this time that the the customer representative told me that I can get on deferred where I can suspend my payment until they decide if I 'm going to get the XXXX or not both companies were aware that I was applying for this during this time while I 'm waiting they put this on my credit I asked him to put this on I asked them to pull the tape so we could listen to the conversation of what the representative told me. I do n't believe that there are true and correct I have went back and forth with them and that 's what the representative told me and they knew that I was in the process of getting a XXXX and the representative told me that everything would be okay and it would not show A payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX inquiries were removed off of my Transunion report last month and have now put them back on without any approval or notification from me, as a result my credit score has dropped.

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 2017-02-09
Company: WELLS FARGO & COMPANY
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Wells Fargo Bank is where I have my loan thru and after a yr I traded in my XXXX XXXX Colorado and got a XXXX XXXX XXXX XXXX XXXX. In the trade I lost all of my payments I had made for the Colorado and wells Fargo also tacked on an additional XXXX saying I was in negative equity. They would n't give me a warranty on the XXXX or anything to soften the blow and since I needed a larger truck to accommodate my XXXX step children I agreed to the terms and even though my payments were XXXX dollars cheaper I still felt that I had been taken for a ride. Well after a yr of paying on the XXXX I wanted to get refinanced so I could make cheaper payments since my step son was very ill and had to be placed in a children 's hospital. Wells Fargo told me that the rules of refinancing was that the vehicle could not be more than 8 yrs old and not have more than XXXX miles even though I bought it with it being both over the age limit and over the miles limit. With my checks being smaller than they were I found it very difficult to come up with the monthly installments and they would n't work with me but said they would take a payment and tack it to the end of the loan. Also the initial amount owed from the loan was XXXX and after a yr of paying XXXX a month the loan balance was still at XXXX and something. I do n't know how to send the copy of my loan to you but can thru my XXXX I provided. Please RSVP as soon as you can because my loan has become a lot more difficult to maintain. Thank you for your time.

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 2015-06-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have engaged Wells Fargo in discussion about the wrongful foreclosure process on my real estate security. The following occurred in conjunction with my loan : Account : XXXXReal Estate Residence:XXXX XXXX XXXX XXXX , CA XXXX ) Wells Fargo falsely stated that I should default on my mortgage to obtain a loan modification. Such advice got me behind on my mortgage to which point I could no longer maintain payments without a loan modification. 

2 ) Wells Fargo falsely told me that a short-sale was not possible within the last 6 months leading up to my foreclosure. I found out that this was not true and could have saved my security. 

3 ) Wells Fargo 's customer care and recovery group has bribed and lied to me on many occasions regarding review of my loan. They will not furnish proof of review, recorded conversations, nor led me speak directly with their Vice President despite numerous requests. 

4 ) Wells Fargo has caused extreme grievance, undue XXXX, and sickness as a result of the foreclosure process. It has come to my attention that some of the people I worked with or attempted to contact at Wells Fargo are no longer with the firm making it difficult to gain traction. 

5 ) Wells Fargo has fabricated documents that were never sent to me during the foreclosure process. This in itself is a violation of investor and federal guidelines. 

6 ) Wells Fargo refuses to settle with me in terms of compensation for such a failed investment and wrongful foreclosure practice. I requested a settlement of {$250000.00}. Given my investment into the property, including loan payments during the course of loan amounted to {$360000.00}. 

I have worked for the last XXXX years on this case with the Wells Fargo Customer care and recovery group ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ). I have requested direct correspondence with XXXX XXXX and XXXX XXXX. Both are Vice Presidents. However, Wells Fargo has failed to comply with my requests. 

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 2016-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My XXXX account was discharged in a bankruptcy XX/XX/XXXX. It showed up again around XX/XX/XXXX on my credit report ( Trans Union ). XXXX reported a derogatory amount of {$600.00}. This should be removed since it was taken care of in XX/XX/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 2022-07-11
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-11
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: Information belongs to someone else

Complaint:
FCRA violations : payments never late XXXX XXXXXXXX EMPLOYEES : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX months XXXX days 2 FCRA violations : inquires not mine XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-03-06
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency, Ad Astra, used my checking account and routing number to withdraw {$1900.00} from my account via electronic ACH. The image on the check shows it made out to " Ad Astra/XXXX XXXX ''. 

I did NOT authorize this, and, as a matter of fact, XXXX XXXX had a stop-pay on their collection efforts. Since this attempt came through Ad Astra 's checking account, it was allowed to go through. 

Ad Astra as a 3rd party did NOT have my permission to withdraw funds from my checking account - they used information that they gained from their client - my DDA number and name and address for the top of the check - to make this withdrawal look official. 

I looked it up, the original debt was XXXX XXXX, this company that took the money out of my checking account is a third party working for them Ad Astra. I originally had a contract with them ( XXXX XXXX ) and paid them back the money I borrowed. As Astra is now trying to collect {$1900.00} more worth of interest apparently. XXXX XXXX had permission to take money, after I paid them they are blocked and using this third party ( Ad Astra ) to bypass it. I have no idea who Ad Astra is, they don't have permission to take money out of the checking account nor have debt collection information for me to verify them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: WELLS FARGO & COMPANY
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
It is a known fact that XXXX XXXX XXXX XXXX XXXX XXXX employees robo-signed affidavits claiming personal knowledge that consumers owed debts, despite having no such knowledge of the facts asserted. Court documents have shown XXXX XXXX XXXX XXXX XXXX XXXX employees signed between XXXX and XXXX computer-generated affidavits per day for use in debt-collection actions, without personal knowledge of the accounts, in violation of the FDCPA. 

To date, Asset Acceptance XXXX XXXX XXXX XXXX has a proven poor track record in regards to its collection tactics which have resulted in large fines from the United States Government and as well as from individual states. 

As of this year XXXX XXXX XXXX XXXX XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business practices, falsified data on debt information court documents and lawsuit court actions which violates Consumer Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX illegal unlawful business practices, falsified data on debt information and lawsuit court actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks to include myself which resulted in a Judgment against me that included falsified identification documentation in the court documents. In XXXX 2015, I contacted XXXX XXXX XXXX XXXX XXXX in writing requesting a settlement of the debt and as of XXXX XXXX, 2015, there has been no response and XXXX XXXX XXXX XXXX XXXX XXXX has gone silent, not responding to faxed information as per their request at ( XXXX ) XXXX, Attention : XXXX. 

I am requesting assistance with pushing for removal of XXXX XXXX XXXX XXXX XXXX XXXX on my credit file to include any court judgment against me as they contained falsified identification documentation in the documents submitted to the court from my file so that I can restore my credit and good name. 

I thank you for your time and I look forward to your response regarding my request to have the falsified court judgment submitted by XXXX XXXX XXXX XXXX XXXX XXXX removed from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: The J. G. Wentworth Company
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The lender, J.G. Wentworth Mortgage, continues to owe me an escrow refund of {$250.00}. This lender initially owed me {$1400.00} and committed to pay in their company letterhead dated XX/XX/XXXX. However, they have only paid {$1100.00} shorting {$250.00}. Written request dated XX/XX/XXXX and XX/XX/XXXX were sent to J.G. Wentworth Executive team, attention XXXX XXXX, and phone calls were made seeking for the balance amount. However, J.G. Wentworth is not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE YET TO RECEIVE ANY INVESTIGATION RESULTS XXXX XXXX- {$13000.00} XXXX- {$4400.00}

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 2020-03-06
Company: STERLING JEWELERS, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The name of this company is called, XXXX XXXX and I received a phone call from them about 2 weeks ago where they claimed that my Kay Jewelers account has been forward to their office. They wanted to help me settle this matter outside of court. At first they told me the balance on my account was over {$1300.00} for attorney fees but I explained to them that's incorrect because my balance on my Kay Jewelers account was a little over {$750.00}. The individual who I spoke with placed me on hold to see if he could decrease the fees. He immediately return to the " line '' and said they could bring my balance to what I originally owe which was the {$750.00}. At first, they wanted me to pay the balance in full which I told them I could not do because of a financial hardship that I have. Therefore, they agreed to place me on a bi-weekly payment plan of {$62.00} until settled in full. I went along with this payment plan but at the same time, I had questions. 

I called my Kay Jewelers customer service number and the representative told me that they did not forward my Kay Jewelers account to no outside office. They warned me that it's a scam and told me to cancel my debit card immediately since the company has my information. Kay Jewelers still has my account in their office and they put me on one of their hardship programs to help bring my account current. I knew something was wrong because my account isn't charged off so why would this company call me talking about a lawsuit and asking do I want to settle my account outside of court? I believe they were honestly trying to scam me. It's a shame that there are companies out here like this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from XXXX from XXXX XXXX calling from XXXX, and XXXX multiple times. I had talked with him on XX/XX/XXXX at XXXX which i told him i would try to figure out things in about a week which he said was not good enough so I told him I would call him back on XX/XX/XXXX but i forgot to call. The next day someone from work came to me with a phone and it was XXXX telling me that I had to call him and he was being very stern about it. I told him he CAN NOT be calling me at work and i ended the call. Today XX/XX/XXXX I get informed that he had called me at work again. I also get calls during the day when I am not at home 4 times since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX 2002, I applied for a loan and was approved for a loan with Wells Fargo Financial, but i decided to decline the loan.

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 2023-03-17
Company: DISCOVER BANK
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I have an equitable interest in the discover card I was discriminated against I was sought out because I spoke against their unfair practices which I have a case pending with you all currently they took my money no check cut no limit raised after 12 months of ontime payments they simply cut off my card they didnt accept a payment that brought it current suspended payment authorizations that were securitized in which they cant prove. This is just very wicked that they illegally shut down my account I will be taking them to court as well seeking monetary relief They are about to damage my reputation on my credit report which messes with my credit utilization and defames my character as someone that cant manage debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: WELLS FARGO & COMPANY
State: ME
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Wells Fargo has been incredibly deceptive and intentionally confusing. To summarize, they have mailed me two letters confirming a so-called late payment was removed, and also verbally confirmed over the phone recently that it was removed ( listen to the call to hear the deception! ). It has not been removed, which is certainly deceptive and clearly unfair practices. 

The letters they mailed noting that it would not be reported reference the account ending in XXXX. 

-My Wells Fargo account number CHANGED after XX/XX/XXXX, due to a LOST CARD to the account ending in XXXX. 

-The late payment reported is for the account XXXX, as the account did not change to the new number until AFTER XX/XX/XXXX. 

-THEY ARE THE SAME credit line, the number only changed AFTER a late was reported because the card was LOST. 

XXXX is what the account was when a late payment was reported. The account number did not change until AFTER XX/XX/XXXX to a new number. The letter I have attached that they mailed is referencing what the account number was when they reported. 

I have never had anything negative on my credit and have been appalled by how misleading and deceptive Wells Fargo has been. They have lied to me several times, and told me conflicting infomation. When I called several months ago to confirm the removal, the representative confirmed several times that it had been removed. In my most recent conversation, they said it had not ... where are my rights? How is this ok? What truly deceptive practices! I have spent over a year being lied to and misled. 

In my most recent conversation, they were not able to confirm the two letters mailed to me stating the removal. That is very concerning that they do not maintain records of outgoing confidental customer information and would mail conflicted information repeatedly. 

This is WRONG!!! PLEASE HELP!!!!

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