BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I paid off my balance on my revolving Line of Credit with Wells Fargo on XXXX. It was a business account. They withdrew {$120.00} from my personal Credit on XXXX even though there was a XXXX balance. I called them and they said that they would issue me a check. 2 weeks or more later I received the check but it was addressed to the business name instead of me personally. I took it to my bank on XX/XX/21 and they told me they couldn't cash it because it was in a business name and to take it to Wells Fargo who submitted the check. I went to a Wells Fargo Branch, waited over 30 minutes in a car line but they said since I didn't have a savings or checking account at Wells Fargo that they couldn't cash it. The Branch Mgr. said that he would give me a telephone # to call and that they would mail me a check overnight. I spent over two hours on the phone with 5 or 6 departments. No one knew how to fix the problem. They called the Branch Mgr. and he said that he didn't tell me that. I asked that he be reprimanded for his lie to me and to them. They said that another dept would call me back later. I received a call on XXXX from that other department. They informed me that were recording the call. I then informed them that I was also. She put me on hold, came back on and stated that the conversation was over since I was recording. She then promptly hung up on me. They took {$120.00} from my personal checking even though I had a XXXX balance. I want my money and now they won't even talk to me. I told them yesterday to simply send me a check in my name since the funds were taken from me and express mail it but no one at Wells Fargo was smart enough to figure out how.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-07
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In mid 2013 we reluctantly signed a deed in lieu of foreclosure with Seterus Mortgage. We had very poor Response from Seterus ... ..but having no other choice, we signed the paperwork. To this day, we have yet to receive our promised check and our Attorney advised us to get a response from Seterus before he decides to do anything further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a tax lien from many years ago showing on my credit report that lien was an audit from IRS as soon as I was told about the audit I paid in a payment plan and eventually paid off the owed taxes this has been satisfied and should be deleted. 

I have XXXX liens on my report XXXX listed as prince XXXX county and the other as XXXX county both were satisfied XXXX satisfied through wage garnishment ( was n't a valid debt but it went to court unbeknownst to me ) in any event both have been paid to get it resolved off of my report please deleted these old satisfied liens and stop listing them as current

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I want to file a complaint on Seterus regarding in saving my home. Just for Seterus allowed my home to be sold right from up under me. Here is the events that I took to save my home : On XXXX XXXX, XXXX I made every effort to comply : XXXX The process was done with the assistance of XXXX XXXX XXXX XXXX HUD approved XXXX XXXX XXXX. 

XXXX Was told by Seterus my name was not on account as a co-borrower. 
XXXX Was told to go to Probate & get fiduciary letter. When I did XXXX days later paying {$170.00} plus {$12.00} for printing. This had to be signed by my daughters. 

XXXX Paperwork was submitted along with XXXX form, Taxes again with signatures and bank statements. 

XXXX Follow-up with Seterus per any other documents needed they sent a new XXXX ( with check bot ) and they wanted a new XXXX award letter & retirement. 

XXXX Faxed over re-requested documents ( was told will make sure F/C date was noted ). 

XXXX Follow-up spoke to XXXX XXXX she assured all documents in was being escalated to push back F/C sale date. Asked that I call on XXXX for follow-up Stated the fil was in review received letter that all documents in and was being reviewed. 

XXXX Follow-up with Seterus file in review I received a letter stating all documents was in and in review. 

XXXX Received a letter saying that my property was sold on XXXX/XXXX/XXXX I made every effort, complied with all that was asked of me WHAT HAPPENED!!! Why now was my name an issue? I was allowed to repayment plan in XXXX - again way was my home sold and I did everything in my power to comply. For the past four years I have had to deal with the loss of my husband, my health and among other things I 'm trying so hard to keep what I worked so hard for so my children can have a place to come to. 
I am a XXXX year old woman with health problems I XXXX. I have been so stressed out and frustrated over this whole ordeal that I feel like there nothing else for me to do. I thought that you were supposed to help your customers not rob them from their home. I and my husband worked hard to purchase the house we would spend the rest of our lives in only for it to be snatched right from under me. I simply do n't understand that at all. What happened to nice America is it gone it is ashamed that I have had to go through this ordeal to approve or try to save my home. I feel at this point you were never was out to help me to save my home but just to sit me out doors in the streets. All I 'm asking if you could work with me on this matter of saving my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Transunion, XX/XX/XXXXandXX/XX/XXXXhave not responded to any of my disputes! I have been sending out disputes for over 6 months now and have yet to receive a single letter from the bureaus or any results! I understand that with the pandemic there is a delay but it can't possibly be over a 6 month delay. Lawfully they are required to respond to me within 30 days. There are inaccurate items on my credit that need to be removed!!

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 2022-04-15
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: Account information incorrect

Complaint:
Experian credit reporting agency is reporting inaccurate information regarding my account their reporting a credit limit of {$0.00} dollars with a balance of {$160.00} how is that even possible then is reporting my actual credit limit of XXXX as my highest balance.

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 2016-06-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I paid equifax XXXX to unfreeze my account permanently. Last week I applied for a mortgage and found out it is still frozen. When I called I could barely understand the woman. but I Think she said I temporarily did it twice ( after saying there was no record ). I never did this. all I want is for it to be unfrozen like I asked them to do. not try to get another XXXX dollars out of me and ask for some code no one gave to me. I do not know what to do. THank you for your help and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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: Information belongs to someone else

Complaint:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following account in dispute is listed below : 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. My current address is XXXX XXXX XXXX, XXXX, Oh, XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this 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
Consumer complaint received 2022-03-24
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Back in XX/XX/XXXX, it was brought to my attention that I had a collection on my credit report to XXXX in the amount of {$76.00}. I contacted the company and informed them I had never had service or signed up for this insurance and that the charges did not belong to me. I requested a copy of support of me applying for the insurance and informed them that I wanted to file a " Dispute '' with the company. I was under the understanding that this collection was resolved. Now currently in XXXX that collection is still on my credit report and does not reflect a dispute being filed. 
I want this resolved and removed from my credit report since it is not mine and the company has failed to provide me support that I applied or authorized this account. 

Kind Regards

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
During the change of the loan server Mid America Mortgage changed from XXXX XXXX to doing the collecting of mortgage payments through their company. And from the start it has been a disaster. The don't reflect the true balance of my payments when I get a monthly statement. My statement keeps reflecting {$1700.00} dollars a month which should be XXXX a month. My payments are current but the statements are misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

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 2023-03-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
So many hard inquiries that I have tried to clear up but doesnt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Kriya Capital, LLC
State: WI
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 filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: General Motors Financial Company, Inc.
State: NE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We leased a XXXX XXXXXX/XX/XXXX from XXXX XXXX XXXX in XXXX Nebraska, it was a 3 year lease. The vehicle was financed through GM Financial account number XXXX under XXXX XXXX. In XX/XX/XXXX we decided to purchase the vehicle and went through our bank, XXXX XXXX XXXX XXXX XXXX for the financing. This was completed on XX/XX/XXXX. Our GM Financial account shows it's paid in full however we have tried to get plates on the vehicle and the Nebraska DMV shows their is a lien on the account. We have contacted GM Financial several times and was told there was not a lien and they would send us a letter stating this. We received a letter ( attached ) but it only states AmeriCredit was acquired by General Motors Company. We need GM Financial to get this corrected so we are able to register this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
its the same old thing with EQ. i dispute an item on my CR and EQ does no investigation just verifies the information. Sent in paperwork proving item was removed off CR in XXXX 2015, but showed back up 6 months ago. i guess there is no law requiring them to investigate or forward info to credit furnisher. i hear there are really no laws about investigating disputes. the system is automated and ran on computers that are outsourced to other countries. the XXXX credit agencies are worried about ID theft yet outsource to XXXX known for id theft. to save a few bucks EQ puts my info into foreign peoples hands. i hear these investigations are never looked. my complaint is that EQ do a real investigation. that " XXXX. '' DELETED COLLECTION OFF CREDIT REPORT THEN REINSERTED A YEAR LATER WITH NO STOPPING THEM BY EQUIFAX AND NO COMMUNICATION TO ME. I DISPUTED A FEW MONTHS AGO. VERIFIED IN 1 DAY. SOME INVESTIGATION!?!? IM A XXXX VETERAN AND ITS DRIVING ME CRAZY TRYING FIX MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX a dispute letter was sent out, highlighted in red multiple inaccuracies. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970. ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I received my credit report on XXXX/XXXX/2017. Equifax eliminated accounts. Subsequently the report contained XXXX positive accounts and XXXX negative. According to information Equifax shared with XXXX XXXX, not only was XXXX XXXX reinstated but my score went down XXXX points! Screenshots attached. 

Account quantity is not a major score factor according to XXXX XXXX, yet it went down XXXX points, despite my credit increase by XXXX XXXX ( a satisfactory account that I 've had for a year ) and a decrease in in my credit utilization of the same account. 

So where is the science in the Advantage algorithm? It 's fallacious.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I just pulled my credit report and Hyundai Motor Financing has my payment listed as late over 30 days for XXXX 2015. I have documentation that shows that this is not true and has been continually paid. This is negatively impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: NJ
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:
N accordance with the fair credit reporting act, XXXX account # XXXX/ XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my writing 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 explanation
Consumer complaint received 2022-10-12
Company: U.S. BANCORP
State: OR
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 went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates I am disputing will be between XXXX XXXX of 2022

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 2020-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a Merrill Lynch account ( XXXX ), a company who belongs to Bank of America. I received a XXXX Check Written statement which is completed wrong. It shows that I wrote 4 check with a total amount of {$620000.00} ( XXXX XXXX XXXX XXXX XXXX  dollars ) for XXXX. I never have this amount of money in my account. 
I called Merrill Lynch on XX/XX/XXXX and on XX/XX/XXXX and asked them to correct my statement and send me a correct statement. They refused to correct my statement. 
I wrote a check on XX/XX/XXXX for the amount of {$200000.00} and another check on XX/XX/XXXX for the amount of {$25000.00}. Giving a total of {$220000.00} ( XXXX XXXX XXXX XXXX XXXX dollars ). XXXX XXXX XXXX XXXX XXXX dollars is the correct amount from 2 checks that I wrote for XXXX. 

I submitted an initial complaint done on XX/XX/XXXX through the XXXX. However this Complaint Case # XXXX has been closed by XXXX  on XX/XX/XXXX, due that Bank of America planning to respond me. 

On XX/XX/XXXX, I received a letter from Merrill Lynch which I am not agreed in his content. Nothing of this document explains or are related to my XXXX Check Written Statement, which is the main reason of my complaint against Bank of America. 
What I am requesting is to receive a correct statement that I made only 2 check transactions : One on XX/XX/XXXX for the amount of {$200000.00} and the other on XX/XX/XXXX for the amount of {$25000.00}, giving a total of {$220000.00} ( XXXX XXXX XXXX XXXX dollars ). Bank of America " inflated '' my transaction statement up to {$620000.00} without a reason or prove. 

You are an Institution to receive compliant from people, follow the results and satisfaction from clients and correct companies as Bank of America of mistakes or errors to prevent to do again to new clients.

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