BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-09
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: Investigation took more than 30 days

Complaint:
Regarding Account Number : XXXX Mortgage Company : XXXX XXXX/XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, SC XXXX In XX/XX/2019 we were advised from our Mortgage Company XXXX   that our loan had been sold to XXXX XXXX/XXXX XXXX XXXX. Payment was made on XX/XX/XXXX to XXXX XXXX ( see attached bank statement ) upon attaining the info from XXXX as we still had no statement to pay from ( they were mailing to the rental address apparently ). We contacted XXXX XXXX upon our tenant receiving delinquent notice on their door in XXXX ( home is a rental ). XXXX XXXX says they do not show the payment and when I sent them proof by email from my bank account on XX/XX/XXXX the payment was miraculously put back in our bank account on XX/XX/XXXX ( see attached bank statement ). We have contacted XXXX XXXX 3 multiple times and mailed the requested bank statements as proof and they replied simply the matter is closed. My credit has been affected and they refuse to acknowledge receipt of the funds and correct the reporting.

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 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
There are two companies : XXXX  XXXX XXXX XXXX XXXX I have never ever had a relationship with these two companies. 

I wrote XXXX, XXXX and Transunion and they continue to persist. I told them, I never had a relationship and I never signed any agreements with these companies. 

I sent my letters certified to the bureaus.

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 2022-06-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent a XXXX transaction of {$1200.00} on XX/XX/2022. The persons name is XXXX XXXX XXXX XXXX She blocked me on everything after I sent her the money.

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 2022-06-15
Company: BlockFi Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I requested XXXX withdrawals, XXXX for XXXX XXXX, and the other for {$16000.00} XXXX on XX/XX/2022 around XXXX pm EST from my BlockFi Wallet account. Per email/social media customer support these withdrawals should've been processed by XXXX EST XX/XX/2022. They have not processed and still show as pending on the BlockFi platform and have not been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
have multiple Hard Inquiries that I did not authorize. The company of the inquires and dates are listed as such : XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: U.S. BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
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:
Re Loan number : XXXX I have a perfect relationship with US Bank since 2014. Paying all my bills on time means a lot to me and I am always very on top of it. I recently Leased a new XXXX XXXX with US Bank but I did not receive any statements in the mail due to it being a new account or someone stole the statements out of my mailbox. I also had trouble logging in to view my statements and make payments online. I am currently applying for a mortgage, but the 30 days late reported by your bank is hurting my score very much. In an email exchange with Mr. XXXX XXXX, he confirmed that I was not sent any statements for this loan as it was a new loan and there was some type of system error. ( please see attached ). Therefore I was not aware that a payment was due. Please remove the late mark from my credit report ASAP. Therefore I was not aware that a payment was due.

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 2017-07-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, A little over one year ago in XX/XX/XXXX, we purchased a home via a mortgage with Wells Fargo. At that time the mortgage payment was set, along with the taxes and homeowners insurance which was to be taken in escrow. Our current monthly payment is {$5000.00} ( {$3300.00} principal/interest, plus {$1700.00} escrow ). This XXXX, we received an Escrow Review Statement indicating that WF was requiring an additional {$3900.00} escrow payment immediately, or they would be automatically increasing our monthly payment by nearly $ 600/mo starting XX/XX/XXXX. The WF analysis projected that inXX/XX/XXXXwe would have an escrow of only {$11.00} and hence why they were demanding an additional {$3900.00} immediately, or a substantial increase in our monthy payment startingXX/XX/XXXX. This does not make sense, as the terms of the mortgage havent changed at all since the initial determination of the payments over one year ago. In fact, the costs have gone down in this period via lower property taxes (! ) and hence our escrow should actually be lower than it is today. When I called Wells Fargo, they stated that escrow buffer is two months of escrow payments, which based on XXXX numbers would be {$3400.00} ( $ XXXX ). After one full year of our regular payments including XXXX homeowners insurance payment, eg the lowest point of the year - per the statement XX/XX/XXXX escrow balance is still {$5300.00} - well in excess of the minimum amount above. In addition to the above, we received notice that our XXXX property taxes were going down, and that our assessed home value dropped {$40000.00}, from {$830000.00} to a lower value of {$790000.00}. So our $ XXXX/mo escrow would seem that it should go down. Lastly, if you view the attached Wells Fargo Escrow Analysis, they are saying if we pay the shortage in full of {$3900.00}, the payment will still increase to $ XXXX/mo. Again this doesnt make sense, on what basis is WF increasing the escrow amounts in both scenarios, even where we pay the supposed shortage upfront? In sum, given that the monthly escrow amount was calculated by Wells Fargo in XX/XX/XXXX with full knowledge of the property taxes and homeowners insurance at the time of origination, there should be no justification for increasing our escrow requirement one year later. Homeowner insurance cost has not changed since this time, and property taxes have gone down vis-a vis-XXXX. Any assistance you could provide in resolving this matter would be greatly appreciated! Many 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 non-monetary relief
Consumer complaint received 2020-01-09
Company: Northstar Location Services, LLC
State: CT
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:
Settled in full XXXX balance XXXX XXXX, XXXX is reporting I still owe a balance. 
Contacted XXXX Multiple times and stated they would not help me that I had to wait for them to report to the bureaus on XX/XX/XXXX. See documents supporting account paid in full and settled. 

Auto volunteer surrendered XXXX Pick up XXXX XXXX contacted me with a Def XX/XX/XXXX and agreed to accept XXXX. Paid auto debit on the XXXX. 
Account turned over to their collection agency XX/XX/XXXX changing the payment date on the XXXX. 

I contact XXXX in XX/XX/XXXX to dispute how they were reporting to the bureau as a charge off but not including Volunteer Surrender. They announce the account was transferred to NorthStar Locations Services LLC. I had no idea as they continued to accept my monthly installment {$100.00}. I agreed on a settlement in full XXXX balance with supporting documents. To my surprise my credit report is only showing charge off with a balance owing XXXX. Not stating Settled in full XXXX balance per the supporting documents. I asked XXXX to correct and they stated they will not until I paid the balance that was agreed I do not owe any longer a balance and they will not submit correction to with XXXX, XXXX XXXX and XXXX until XX/XX/XXXX. XX/XX/XXXX I contacted NorthStar to send me a updated letter clearance of funds from the credit card I paid them and they will not send me a updated letter until I give the credit card statement that will disclose cleared? NorthStar Location received agreed payment for {$2000.00} from a credit card. XXXX sent me a letter stating I am in the clear an NorthStar will not accept that letter who they represent for collections. Please see attachments on documented letters and credit. I still feel they have been reporting inaccurately to get me to pay them and when I paid them a agreed amount after paying them over XXXX, I feel they bait / switched me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the 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 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 2022-06-15
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple Hard Inquiries that I did not authorize. The company of the inquires and dates are listed as such : XXXX XXXX XXXX ( Auto ) - XX/XX/2022 XXXX XXXX ( Bank ) - XX/XX/2022 XXXX ( Miscellaneous ) - XX/XX/2022 XXXX XXXX ( Finance ) - XX/XX/2022 XXXX XXXX XXXX ( Finance ) - XX/XX/2022 XXXX XXXX  ( Auto ) - XX/XX/2022 XXXX ( Bank ) - XX/XX/2022 XXXX XXXX XXXX ( Auto ) - XX/XX/2022 XXXX XXXX XXXX ( Auto ) - XX/XX/2022 XX/XX/XXXXXXXX XXXX ( Finance ) - 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 2017-07-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XXXX/2017 I was approved by someone selling an " investment opportunity '' this ended up being a Pyramid Scheme, they used the name " XXXX XXXX '' they charged my Debit Card at Wells Fargo for over {$3000.00} total and then disappeared, they had promised to pay me {$150.00} weekly XXXX {$620.00} a month ) for 12 months and after they charged my debt card, they disappeared, they disconnected their phone and never heard back from them again. I tried filing a claim with Wells Fargo and they wont do it, they said that because I gave him my card I made them an " authorized user '' of my card, so they wont even attempt to recover the money, meanwhile this company is out there probably with another name scamming people our of their hard earned money

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 2020-01-09
Company: JPMORGAN CHASE & CO.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Information on my credit report is wrong, I sent debt validation on XX/XX/2019 and XX/XX/2019 still havent heard anything yet. And foreclosure is over XXXX old still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
cant put a security freeze in my Credit File

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 2022-06-15
Company: Early Warning Services, LLC
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 I noticed a fraudulent account opened without my knowledge at XXXX XXXX and XXXXXXXX XXXX The account was opened XXXX XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$76.00}, possibly more. 

This account was opened without my consent and my personal information was falsely used! I have included my FTC affidavit for my support and reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Hello ... On XX/XX/2019, a {$140.00} credit posted to my account. I called on XX/XX/XXXX to see when I should expect the credit balance back to me as I had not used the card. They mentioned I would receive a credit within 60 days of when it posted. When I hadn't received a check, I called again on XX/XX/XXXX and was told it would be processed soon. My XXXX  statement showed no credit balance and so I called again on XX/XX/XXXX asking about the credit and that's when I was told it was sent to the bank on XX/XX/XXXX and that I should expect to see it any day. I called back on XX/XX/XXXX as I still hadn't seen the credit post to my account and the customer service rep contacted the back office as he agreed that by now I should have received the money. On XX/XX/XXXX, I receive an email from him, XXXX   XXXX, with an attachment showing that on XX/XX/XXXX a check was sent to XXXX  with my name on it. I sent him an email with my statement showing no credit had posted and where should I go from there. He said he contacted his back office and they said I should contact my bank. I responded by saying that the check they sent was 1. not addressed to my bank XXXX  2. doesn't have my bank account information so the funds are properly credited and 3. doesn't show that it was cashed by XXXX. At the point, I stopped receiving a response from the company and still don't have a check nor the credit posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft there has been several accounts placed under my name without my consent or knowledge. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting  the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please delete/remove the following unverified accounts CREDENCE RESOURCE MANAGEMENT # XXXX, CREDENCE RESOURCE MANAGEMENT # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXS # XXXX, XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Experian Information Solutions Inc.
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:
I have two accounts on my credit report with Experian, XXXX XXXX, XXXX that I have an issue with. I have done online disputes with all three companies at 3 different times. Each time I dispute the accounts the credit reporting agency states that the information is reported correctly. 
The two accounts with errors have the wrong account open date. Both accounts state that I open them in XXXX. I believe the correct date is in XXXX because the debts are at least a couple of years old. The accounts also have been closed for at least two years. 
Each time I try to dispute the items the credit report agencies never update the information and state that the information is correct. 
I am not able to prove the account dates and I am requesting assistance obtaining this information.

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 2017-07-20
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
At approximately XXXX on Thursday, XXXX XXXX, a gentleman by the name of XXXX XXXX contacted my fiance on her cell phone. He said he was calling from XXXX XXXX XXXX and asked to speak to me. She informed the collector that I was not available. He then asked her if she wanted to discuss the matter. Without having her verify my info, he actually provided it to her ... He proceeded to tell her about a debt that I owe to XXXX XXXX regarding a XXXX XXXX account. She offered to make payments of XXXX dollars monthly and he told her that that amount was not good enough and that it would take forever to pay off. He then told her about other things that I was making payments on that seemed to be in good standing and could n't understand why I could n't be in good standings with them. My fiance was upset and did n't understand why he was bullying her about other bills. He disclosed my information to someone who is not even on the card and has no affiliation to the debt owed. He violated my rights and upset my 6 month XXXX fiance who was just trying to get us back on track with payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have two accounts on my credit report with XXXX, Trans Union, XXXX that I have an issue with. I have done online disputes with all three companies at 3 different times. Each time I dispute the accounts the credit reporting agency states that the information is reported correctly. 
The two accounts with errors have the wrong account open date. Both accounts state that I open them in XXXX. I believe the correct date is in XXXX because the debts are at least a couple of years old. The accounts also have been closed for at least two years. 
Each time I try to dispute the items the credit report agencies never update the information and state that the information is correct. 
I am not able to prove the account dates and I am requesting assistance obtaining this information.

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