BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: Experian Information Solutions 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 the following Accounts : has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments Current, was past due 90 days XXXX XXXX 4 late payments Current, was past due 120 days XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments XXXX XXXX XXXX XXXXXXXX 2 late payments XXXX XXXX XXXX XXXXXXXX 2 late payments XXXX XXXX  XXXX 1 late payment XXXX XXXX XXXXXXXX XXXX 4 late payments XXXX XXXXXXXX 1 late payment XXXX XXXXXXXX 2 late payments 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 Section 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo opened an account in my name in XXXX. This was during a period when I was purchasing a property and subsequently the mortgage company I was working with withdrew the loan. I have to apply for a riskier loan in order to avoid losing the property. The difference in cost between the interest payments is significant and I would like to pursue damages. Please advise.

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 2023-01-20
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: DISCOVER BANK
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I've left messages for a manager to call back regarding an ongoing issue pertaining to missing funds from Discover closed accounts, no call back received to date, two messages left with XXXX and XXXX with Discover executive office, neither one returned. Follow up calls were made, both reps referred calls to XXXX whom I've spoken with prior, in which case there is no resolution, we talked in circles, thus the need to speak with a manager... The issue includes non-receipt of funds in the amount of {$140.00}, the total of combined accounts including checking account ending 1960. Funds were sent to XXXX XXXX as part of a fraud claim in amount of {$690.00}, this amount, {$140.00}, does not cover claim and according to reps with XXXX XXXX executive office including XXXX XXXX, payment was not cashed and rejected back to Discover. Please note, I attempted to explain this to XXXX, we talked in circles in re, he claims instructions from XXXX XXXX XXXX remaining funds in Discover accounts are to be sent to XXXX XXXX ... Further, he verified check was not cashed, in which case he stated check could be resent which I advised would also not cash, reiterated XXXX XXXX does not accept partial payments... Prior to this, full payment was supposedly sent to XXXX XXXX in amount of {$690.00}, letter from Discover is attached, XXXX XXXX has no record of this payment at all.. Should this complaint be marked as duplicate, it will be resubmitted, sent to other agencies

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Mortgage was transferred from XXXX, Account # XXXX opened XX/XX/XXXX. New Account # XXXX Not appearing on my personal credit reports. As of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Today I went to Sears and wanted to purchase XXXX bed pillows at {$3.00} each. My intentions were to use my bank debit card. The cashier, who by all appearances appeared new and struggling with Sears ' computerized register, asked me if I wanted the pillows for free. The cashier further stated that all I had to do was give Sears my information and e-mail address for promotions and related information that Sears was giving their on-line customer base. I gave my information based on those representations although she was struggling with inputting the information on the computer. As it is recalled, at no time did the cashier even mention anything about a credit card. Next a receipt looking document popped up ( attached ) that fraudulently stated that my application could not be processed at this time, The issuer of Sears MasterCard. Remarkably, there was no mention of who that issuer was. I telephoned that number and the prompt said that my application for a credit card was denied because of too little credit. I then got someone on the phone from Maryland who would not identify themselves with any company and told me I would have to take it up with XXXX. The prompt controverted what the receipt said, thus rendering this a deceptive, unfair and abusive practice. I did not want nor need another credit card. I have a XXXX XXXX Credit Card through XXXX ( {$2400.00} limit ) and another XXXX credit card from XXXX XXXX XXXX XXXX. I would n't take another credit card even if it was free since I do n't use the ones I have, and am a " pay as you go '' person. Moreover, I am almost XXXX years old, elderly and XXXX and have been duped. I am presently in a pre-approval posture to purchase a home and the derogatory mark from the decline could cause me to lose funding, and/or cause a lender to use that as an excuse to bump up the interest rate. I have a clean credit history and my credit score is in the XXXX. I am a XXXX Veteran of the XXXX XXXX XXXX and it is reprehensible that Sears would behave untowardly with a person of my age and health situation, not withstanding the fact of causing stress and anxiety. Sears refuses at my request to rescind the credit application garnered through deceit and/or inaptitude and puts it on Citibank ( Citicorp ) and/or XXXX. THIS IS AN UNSUCESSFUL ATTEMPT BY SEARS TO GET AN UNSOLICITED ( BY ME ) ISSUANCE OF A CREDIT CARD WHICH HAS SULLIED MY REPUTATION AND CREDIT REPORT. 
The application reference number is : XXXX ( see attachment )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-25
Company: Linebarger Goggan Blair & Sampson LLP
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The company sent me a letter telling me they would pass a judgement on me if I did not respond to the letter within 7 days. 

However, the letter was dated XX/XX/XXXX, but it was n't postmarked until XX/XX/XXXX. I did not receive until XX/XX/XXXX ( I was not around to check my mail on Sunday. 

They have only cashed one of the checks I have sent them, and they tell me they are not received ( The first three were sent to the firm 's principal office in XXXX, but they should have made it to the correct place eventually XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). The last check I sent them was for {$150.00}. It was mailed XXXX XXXX from XXXX, XXXX, where I was traveling at the time. The check number was # XXXX. It was mailed to LGBS, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I wish I could send checks certified, but it is prohibitive for me to get to the post office during working hours. 

I was not made aware of this debt until the debt collector contacted me, then they called me on my work phone twice after I asked them to just call me on my cell phone. 

Photos of the letter and the postmark are attached. The rerouting sticker covers up the original postmark, but it is generally the same day or one day later. However I have shared my new address with them so there was no reason for the letter to be rerouted in the first place. I believe this was just another delaying tactic. 

I have also attached screenshots of my bank website showing that I have made another payment today, and another one is scheduled in XXXX weeks. When they either call or write to say the payment is n't received, I will submit a new complaint with either a recording of the phone call or the letter and also take it the both the XXXX and XXXX Attorney Generals office. I regret that I did n't collect the evidence sooner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-10-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX is not reporting properly to the credit bureaus AGAIN! My back credit dashboard alerted to this to me that XXXX XXXX XXXX is not reporting the account type which is suppose to be. XXXX XXXX- is maliciously reporting incomplete data regarding then two medical debts that are reporting. 

According to the fair credit reporting act, furnisher a list report complete, fair, and accurate data or they are to be removed- this is multiple times that I have had to report this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX Citibank send me a letter saying that they were going to close my account they didnt give no reason I tried calling and they hanged up on me telling my no reason for the closed account so I wait the 60 days that they said it was going to take to close the account and nothing yet I tried call again and same thing hanging up on my and saying I need to wait thats not fair I need my money I want to know where can I get help Im so desperate I need my money all my account whent negatives because of this problem and they dont care Citibank

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 2016-11-16
Company: IQOR US INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I got this call from Allied Interstate with a different number and I 'm making my payments to my original debt collection service, while there maybe other calls with outdated 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 non-monetary relief
Consumer complaint received 2021-09-05
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, I made an online purchase for {$1900.00}. This transaction was for merchandise that was supposed to be delivered to me with a signature confirmation and I have not received any merchandise from the merchant. I've attempted to contact the merchant and the merchant will not respond by phone or email. I was expecting it by XX/XX/2021 at the latest. 
The merchant has not given me any information regarding the status of the order, will not return my calls or emails and intend to run off with my money. 
I opened a claim with Wells Fargo and was issued a temporary credit on XX/XX/2021. 
On XX/XX/2021, I received a letter from Wells Fargo stating " based on the information you provided and additional information from the merchant, we found the charges were made by you or someone who had your permission. The {$1900.00} temporarily credited to your account ending in ___ will be reversed in 10 business days from the date of this letter. '' The merchant refused to contact me but responded to the claim with an electronic signature as " proof '' of delivery. I never received the merchandise nor signed for anything and yet this claim has been closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: PulteGroup, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am utilizing Pulte Mortgage to purchase a new house in XXXX, NC and I am providing 20 % down for the loan. I am a XXXX employee that works for a company that does not have a dedicated office within the city that I reside. Pulte Mortgage has requested proof of employment and a copy of my pay stub so that my 'income ' can be utilized as part of qualification for the mortgage. Through my company 's HR department, I have provided to Pulte Mortgage a means to verify my employment and income ( which also includes copies of my pay stubs with my North Carolina address ). Pulte Mortgage has stated that since I am a XXXX employee, in a city where there is no dedicated company office, that they also require a letter from my company, on company letter head that indicates that I have been given permission to work XXXX in North Carolina. My HR department has indicated that this does not follow their standard employment and income verification process and as such can not be provided. I have requested from Pulte Mortgage a copy where this letter of XXXX employment would be a requirement for consideration of my 'income ' within the mortgage/loan process. Pulte Mortgage denied this request and indicated they are following XXXX guidelines ( even though this is not a XXXX loan ) and that they are using a Third Party for the loan. I would like documentation from Pulte Mortgage as to why the information that my employer provides to verify employment and income would not meet the Pulte Mortgage loan requirements to utilize my 'income ' as part of the mortgage/loan process. I would also like documentation from Pulte Mortgage as to why a letter on my employers letter head is required to prove I have been given permission to work XXXX, in a city with no dedicated office so that my 'income ' can be considered in the mortgage/loan process. Lastly, I could not find any documentation on line where XXXX specifically requests a letter for XXXX ' employees from their employers stating that they have been given permission to work XXXX in a state where there is no dedicated office. If this is a XXXX requirement, I 'd like to have a copy of this documentation and I 'd also like to understand how Pulte Mortgage can request this if I am not utilizing XXXX for 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 2016-10-25
Company: IQOR US INC
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Allied Interstate keeps calling my work even though they are told not to. They are also calling my coworkers ' numbers.

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 2020-08-07
Company: TMX Finance LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2019 I went to TitleMax to get a loan on my vehicle I was told that the loan would not be a high interest loan I had questions due to the fact that I have been reading that they got in trouble I didnt know what they got in trouble for I was lied to and miss lead they said the reason why they got in trouble with due to a DMV issue but come to find out later it was because of high interest rate I am being charge XXXX a month But only {$75.00} is size off of the XXXX they post to have gave me they gave me XXXX they made me pay for my registration out of the money that they loaned me and also the smog certificate says that I have been lied to by XXXX XXXX and shes been telling me that theyre going to work with me but they will not give me nothing in writing I keep telling her that when I first made my first payment it was XXXX for the XXXX to come off of the {$5000.00} but only {$75.00} is charged off of the XXXX they post ahead gave me they gave me XXXX they made me pay for my registration out of the money that they loaned me and also the smog certificate says that I have been lied to by XXXX XXXX and shes been telling me that theyre going to work with me but they will not give me nothing in writing I keep telling her that when I first made my first payment it will pull the van for the XXXX to come off of the {$5000.00} But instead {$75.00} came off of {$5000.00} and XXXX something dollars thats ridiculous they never told me why they just told me that the way it is now I am trying to keep my vehicle and pay them which Ive been doing can you help me can you please talk to them to get them to lower the interest rate I have been making my payments constantly if Im behind is because of the way they lied to me and Miss reputation himself when we did the long

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: VW 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:
I am showing 5 late payments for volks wagon, I have asked for detailed report from volks wagon twice. I receive nothing it has been over 30 days that I ask for detailed information about these late payments. I was never late on my vw payments 5 late payments severely ruin my credit and it is extremely frustrating to get no response and when I do get a response VW gets nothing resolved. This is hurting my credit drastically. I ask for your help in this investigation and please help me to get these late payments deleted as they have been falsely reported

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, nor have I lived at these addresses.

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 2022-05-17
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Would like a remove of late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Ocwen Loan Servicing is the second worst company in the world, second only to Litton Loan which there are undoubtedly the sister company. At any rate, they are denying a payoff statement of my loan after their bylaws clearly state they have 48 hours to comply and all of the paperwork was submitted for processing on XX/XX/XXXX and after several calls to their representatives today -- they repeatedly apologize and say they require 6 more business days. This is NOT PROFESSIONAL behavior and is UNACCEPTABLE!!! Please monitor and properly handle stopping this behavior from this company.

Company response to consumer: Closed with explanation