BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-15
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection account statement from Sequium this week asking me to pay {$270.00} on ; XXXX XXXX XXXX '. I called Sequium and asked what this collection was about, he looked in to the accoount and said he wasn't sure about the original creditor and said it could be XXXX or XXXX XXXX XXXX. I asked for the service date but he did not have that information either. 
I told him that I have a different pest cpontrol company that I have been using ever since I moved in to this address and NEVER used XXXX  or XXXX XXXX XXXX  but he wouldn't listen. I asked him to verify the service address but he was sure about the address. I requested him to send me a detailed statement that shows the activity on my address under my name but he refused to do so and asked me to review the bill he sent to me. HE SAID THE BILL HAS ALL THE INFORMATION ON SERVICE PROVIDED TO ME. Please see attached bill and see if it provides any details on the service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Premier Auto Credit
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  is showing this car loan verified but with XXXX  it is not on my credit at all.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have yet to receive our results from Transunion regarding our dispute. I am requesting an error to be removed from my credit report as it in an error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been representing a homeowner who has been trying to do a short sale for several months. The servicer " Wells Fargo '' has had our completed file including the letter of authorization, offer, listing, financials, and hardship reasons for over a month. The negotiator assigned to the file never processed our file properly. the file stayed on their desk without attention for weeks. I had been requesting that the sale date be postponed and that the negotiator review the file immediately XXXX For over a week, which pushed the upcoming sale date closer and closer ) Finally he did finish his review and admitted that he did not follow up on the documents i had sent him in a timely manner. The agent then requested that the sale date be postponed on XXXX XXXX. The file had been completed since the XXXX of XXXX. My letter of authorization was never uploaded properly and each time i called in to get help, the agents stated they could not find my authorization. This issue also was escalated along with the sale date request to be postponed but NEVER resolved at any time! The servicer continues to mis-manage this file and will not help this homeowner have her offer reviewed for a short sale. This is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: WELLS FARGO & COMPANY
State: LA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/2015, Dillards/Wells Fargo Bank opened an unauthorized and fraudulent credit account in XXXX XXXX, XXXX in my name and, without verifying the accuracy of any information provided on that application, such as phone number, thus allowing {$2000.00} in merchandise to be charged. I discovered this upon receiving the card in XXXX, my home, on XXXX/XXXX/2015. In trying to work with Wells Fargo Bank to get all the information available on how this happened, find the perpetrator, clear my credit and protect myself, I was treated as the criminal not the victim. I was given no help, no curtesy, no explanations and no satisfaction that my welfare was of any interest. All I was told was that it would take from XXXX days to investigate. I have been forced to take numerous expensive steps to protect myself from the jeopardy that Wells Fargo Bank created because of their inadequate procedures to carefully establish identity before opening credit accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
In XX/XX/2018 we contacted XXXX requested the balance to a company credit card so we can pay off the credit card, they provided payoff amount and we paid the full amount and account was closed. XXXX one months later charged interest to the account, we have no knowledge of the interest charge an employee of the XXXX  should be made us aware. this interest became late and we received no notification of being charged or being late, so this charge became 60 days late which is negative affects my credit report. XXXX should have notified us of additional interest and should have notified of new invoicing and late, they claim they sent it via email, we did not receive any email, I requested XXXX  to provide proof and they could not provide. Before negatively affecting credit report they should have mailed us a letter a phone call. when they solicit us for a new card they can reach us 50 different ways but they cant notify prior to affecting my credit. The other issue this card and charges belong to my employer, not me, I have disputed this issue with them on three occasions twice though Experian and once direct with them and their response has not helped at all.

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 2020-08-15
Company: EQUIFAX, 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:
After reviewing my credit report. I noticed some charges made does not match my records and was not made by me. Please remove all accounts listed in this report from all 3 credit bureaus XXXX, XXXX  and Equifax. The false information that's reporting on my credit report is affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my credit report. I noticed some charges made does not match my records and was not made by me. Please remove all accounts listed in this report from all 3 credit bureaus XXXX, Transunion and XXXX. The false information that's reporting on my credit report is affecting my ability to obtain credit.

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 2020-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
WE have had this account with Bank of America for yes, one of the workers told us he wanted us to get the most out of our account. WE explain was happen but he told us we would not be changed any fees, if we change the account to update it. 
This was a lie. Account is being charges fees, why ( my check has been going to this account for years, plus, a saving account with, our home loan, and a credit card is attacked to our account. 
However this bank want to charge us fees which, MY wife tape recorded the person that stated they had fixed the account and would not be change any more fees. 
As of XX/XX/2029, fees are being taking out of account. Which we were told no more fees will come out of the acccount. 
We want your office to look into this matter and listen to our tape recordings.

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 2017-02-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My wellsfargo card was lost and/or stolen. I reported, and received a new card. Before, my card was lost or stolen, my boyfriend and I had previosly purchased some items with XXXX. On XXXX/XXXX/XXXX, two payments were made to XXXX. However, I did not provide my new card number to XXXX. On XXXX/XXXX/XXXX, XXXX charged my new bank card XXXX seperate charge amounts. They informed me that I called and told them my new card number on XXXX/XXXX/XXXX at XXXX.However, I did not provide them this information. When I called Wells Fargo to dispute these charges, they denied me the dispute. They stated that my new card number was provided to the merchant, " XXXX '', by XXXX XXXX. Basically, I did not provide authorazation for these payments, I want my money back. How can a merchant retrieve my personal information without first contacting me. How can my bank provide my personal information without first contacting me. The merchant account is not even in my name, it is in the name of my boyfriend. Their has been a breach of privacy.

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 2020-05-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is the 5th time I had complained about fraudulent negative account on my credit report. The following account has bee deleted and sold several time and NO VERIFICATION has EVER BEEN PROVIDED. I HAVE NO CHOICE AT THIS POINT. PLEASE ADVISED XXXX XXXX, DEBT RECOVERY SOLUTIONS THAT THIS IS MY FINAL NOTICE BEFORE I FILE A LAW SUIT AGAINST BOTH 3RD PARTY COLLECTION AGENCIES. I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH NO RESPONSE IN THE PREVIOUS COMPLAINT. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.

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 2020-05-16
Company: Capstone Credit & Collection, LLC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reached to both : all three credit bureaus and original creditors in order to get full information whats on my file because I cant recognize those accounts All they said was as its accurate without providing me original information. Please provide me information of those account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: NAVY FEDERAL CREDIT UNION
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 a loan with XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) and NAVY FEDERAL CR UNION. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) and NAVY FEDERAL CR UNION. with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: OneMain Finance Corporation
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
I only had the car for two months starting some time around XX/XX/2020 and I have been having probleming since day 1. The problems to fix this car is expnse but they are willing to pay. This car has been putting me on the side of the road coming from work many days and nights. It has cost numerous of problems causing me to missed work, doc apt XXXX all because of a lack of a ride. They fasely advertistment this particular car and knowing that this car is not " WORKING ''. I also believe this car is a " LEMON '' and it just never going to be the same. It goes in the same shop back and forth and the shop doesn't fix on the car right at all. The dealer know something wrong with the car because they are pressuring me to get something else but I have to have a CO-signer and dont have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I currently have my mortgage with Chase. I divorced back in 2011 and applied for an assumption to remove my ex wifes name. It was part of the divorce decree and my ex executed a quitclaim on said property. 

Chase denied my recent application for assumption citing that the modification had a XXXX year clause before any changes could be made to my exisiting loan. Upon reviewing the loan modification, which I have attached, I do not see where I had agreed or was aware of any such restriction. 

By order of the court/divorce decree in 2011, I called Chase and advised of my situation and looking for the best possible solution to resolve this matter. Chase send us the loan application to remove her name from the loan XXXX Assumption XXXX. Our bank loan processor was negligent in keeping us apprised our loan progress. After several attempts and weeks, we received a confirmation of a loan modification. Upon submission, our loan processor assured us that we could do both a modification and removal of her name in XXXX process. 
Upon receiving the confirmation paperwork, the only thing that was done was a modification AND Chase DID NOT removed my ex wifes name. This was the whole reason for us approaching Chase. We are very frustrated and are on the verge of losing our home because of incompetence and lack of good customer service on behalf of Chase Bank. 

As things stand right now, we are in contempt of court and will lose our home due to a technicality that I do not see in the mod paperwork. 

I am not a banker or expert on loans. I relied on my loan processors/customer service rep to guide me through this process. 

I have been trying to get a straight, smart intelligent answer to what I am trying to accomplish with my mortgage. My loan payments have been on time. 

Thank you kindly for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
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: Problem with personal statement of dispute

Complaint:
I was a student in Spring of XXXX and my student loan went in to repayment status on XX/XX/XXXX. On my studentaid.gov website and history my loan went in to forbearance with an effective date of XX/XX/XXXX and did not go into repayment status again until XX/XX/XXXX. There is no reason I should have late payments on my credit report but XXXX  reported me as having late payments while I was in forbearance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the 2 loans I have with XXXX. 
Please have them remove these false errors on my credit report from both loans. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
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: Problem with personal statement of dispute

Complaint:
I was a student in Spring of XXXX and my student loan went in to repayment status on XX/XX/XXXX. On my XXXX website and history my loan went in to forbearance with an effective date of XX/XX/XXXX and did not go into repayment status again until XX/XX/XXXX. There is no reason I should have late payments on my credit report but Cornerstone reported me as having late payments while I was in forbearance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the XXXX  loans I have with Cornerstone. 
Please have them remove these false errors on my credit report from both loans. 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 explanation
Consumer complaint received 2020-01-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
XX/XX/2019, I lost my money order at Walmart  supercenter XXXX was informed by Walmart  that MoneyGram did not allow cancel and replace of money order.i called MoneyGram, therefore, MoneyGram stated replacement of money order was not allowed, by businesses.businesses are required to cancel and replace money order that are lost and stolen, which I later found out.moneygram replacement request case number :XXXX.amount $ XXXX.replacement amount would be {$360.00}, for delivery state of Georgia, because processing fee - {$18.00} and delivery fee- $ XXXX-both-removed from XXXX money order replacement.moneyorder was later found and returned.i cancelled replacement money order-tracking number-XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I made a loan on a chase mileage plus credit card ( I actually had thought I was doing it on a Freedom credit card, but apparently it was n't ), In any case I paid the loan off on time, but after my last payment was charged the yearly fee of {$95.00}. I wrote and told them I was cancelling the card and therefore not paying the yearly fee ( which was due after my letter cancelling the account ). I got a bill the next month ( recently ) repeating the charge and adding an interest fee. I phoned the company and was told I was XXXX days late - somehow there was a 1 month deadline after paying off the credit card and i was XXXX days short of that when I cancelled. I refused to pay and am hoping you can resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: MD
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:
In XX/XX/2021, I saw that those items were being reported and sent out a formal affidavit to all bureaus to have these fraudulent items removed. As of XX/XX/2021, I notified XXXX XXXX, XXXX, EQUIFAX, and XXXX of unlawful and unauthorized reporting of unknown inquires and XXXX XXXX bankruptcy being reported on my credit reports with all aforementioned bureaus. I have provided proof below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions 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:
XXXX is reporting incorrectly to XXXX ; Experian and XXXX a collection for {$1900.00} partial account numbers XXXX. ( Please see page 17 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. I have contacted the three bureaus to correct this error, but have not had any success. Please remove this line item 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