BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am the successor in interest of a residential property, where wells fargo holds the FHA mortgage, after the death of my grandmother. 

In speaking with the Wells Fargo Life Events team and the Assumption department. I have tried to discuss CFPB Interpretive rule regarding XXXX Application of Regulation Zs Ability-to-Repay Rule to Certain Situations Involving Successors-in-Interest '. 

I have been on multiple recorded phone calls with wells fargo assumption representatives where they've told me that : 1. they have no idea what rule im talking about.

2. that the rule doesnt apply, but can't tell me why it doesnt apply.

3. they tell me that a manager will call me back and then never does. 

If you listen to the multiple recorded phone calls with the representatives over the past 7 months trying to get this completed, it almost becomes clear that they push the 're-apply ' as the only option and the next words out of their mouth are " it'll cost about XXXX ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: BARCLAYS BANK DELAWARE
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX I signed a contract with XXXX XXXX and charged my down payment of {$4100.00} for work to be done on my home in the spring. I was in constant contact with the contractor as to updates on my materials and job. Im XXXX he claimed that due to covid, the materials were delayed, but it would be soon, probably XXXX. I had no reason not to believe and kept in contact. XXXX came and went and he told me he was in contact with the supplier and my patio door manufacturing was holding up the project again, no reason to question this because this has been a common occurrence with everything due to covid. I was in weekly contact with him up until the morning of XXXX XXXX when he was XXXX XXXX XXXX XXXX XXXX. We later found out that he never ordered the supplies, defrauding me out of my down payment. I used my credit card as a means of protection for this type of reason. I have text messages and emails to prove all of this and have sent it all to my credit card. They are saying it was not in the allowable time frame but i could not do that because i had no idea i was a victim of fraud and no reason to file a dispute until his death and subsequent investigation that proved this. The company is still in business as hiXXXX XXXX XXXXs the other agent. She will not respond to any of the customers and has begun selling off the office equipment. I respectfully request that the amount be charged back to ehe business. He used XXXX to complete my card purchase.

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 2022-07-30
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX XXXX please remove fraudulent/ unauthorized closed account off my report or provide proof in writing within 30 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: EQUIFAX, INC.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Wells Fargo has denied our claim that {$2900.00} of charges to our credit card were made by someone else. The reason they have denied the claim multiple times is that when we initially reported the charges, which we are 100 % certain are not ours, we indicated that both cards were in our possession. We believed this to be the case as historically this card wasn't used much and never left the house. When we searched the house for both cards we realized one was missing. We reported this information but Wells Fargo has ignored that and continues to insist the charges belong to us. I filed a police report with XXXX XXXX  and thanks to the diligent effort of XXXX XXXX, we have video proof that the card was being used by someone other than me on XX/XX/XXXX at XXXX in XXXX, GA. This thief was in possession of my card and used it from XX/XX/XXXX until XX/XX/XXXX when I realized the problem and XXXX the card. Even with video proof of another person being in possession of my card, Wells is still sticking to their original decision, which is based on both cards being in my possession. We now have video proof showing that wasn't true.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX I began a mortgage loan with XXXXXXXX XXXX. My first payment was due XX/XX/XXXX. I made all of my payments online via the XXXX XXXX website. 

On XX/XX/XXXX I made my first payment. On XX/XX/XXXX I made a payment, as well as on XX/XX/XXXX. The payment made on XXXX/XXXX/XXXX was for the XX/XX/XXXX due date and the seconde payment was for the XX/XX/XXXX due date. XXXXXXXX XXXX applied my XX/XX/XXXX payment to the principal instead of to the XX/XX/XXXX due date and has failed to correct the error to date. 

Unaware that the payment was applied incorrectly to the prinicial balance I did not make any additional payments until XX/XX/XXXX and XXXXXXXX XXXX marked my account 30 days late to the credit bureaus for the months of XXXX and XXXX. 

In XXXX I received several notifications that my mortgage account had been marked late via the credit bureaus. I immediately contact XXXX XXXX  who she that the payments made were received but reflected as " principal '' payments because I had made them prior to the due date. I was assured that the payment and credit reporting would be correct asap however to date the credit errors have not been corrected. 

I have called XXXXXXXX XXXX numerous times since the initial call and complaint. Once in XXXX, XXXX and XXXX and twice in XXXX of XXXX. I called again in XXXX and XXXX of XXXX, only to be given the same responses. " A supervisor will adjust the credit reporting within a few business days '', " the prior case wasn't input properly for the supervisor to correct the reporting '', or " we will have a supervisor contact you within 1-3 business days and correct the credit reporting '' All lies. 

Not once has anyone returned a call, sent a letter, or even emailed me, more important my credit still shows two 30 day late payments from XX/XX/XXXX and XXXX of XXXX. I previously filed a complaint with the CFPB and the company fixed the reporting for XXXX and XXXX of XXXXHere is there response " We have manually updated the information sent to Transunion to report your XX/XX/XXXX and XX/XX/XXXX payments as no data. Should you need it, the AUD # for this correction is XXXX. Should you have any further issues or questions, please feel free to contact us at ( XXXX ) XXXX Monday through Friday XXXX and Saturday XXXX XXXX XXXX XXXX. Very truly yours, XXXX XXXX XXXX XXXX Customer Service XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have several statements where XXXXXXXX XXXX has applied and removed payments from XX/XX/XXXX that reflect on the XX/XX/XXXX statement due to their errors. the acconting and statements errors are outragous for such a large corporation that is responbisle for mortgage and credit 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 2023-10-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am a victim of identity theft, and did not make the charge ( s ). I am requesting that the item ( s ) be deleted off my credit report. I never lived at the address of service. Please investigate this ( these ) matter ( s ) and block the disputed item ( s ) as soon as possible.

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 2022-12-07
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX opened an account in my name without my consent or authorization over 20 years ago ( I found out about it in XXXX after my brother passed away in a house fire ). The account was at my deceased brothers residence in XXXX XXXX XXXX. XXXX, NC XXXX. I have NEVER lived there or authorized any account to be opened in my name. I have advised XXXXXXXX of this by phone and certified mail. I have requested a copy of my agreement and a payment history. They will not provide, they instead sent bill copies from XX/XX/2022 thru XXXX XX/XX/2022. I have never lived at this address or consented to have an account at this address placed into my name. The first collection agency agreed and sent it back to XXXX, now they have sent to another collections agent. My personal account with them was at XXXX XXXX XXXX, XXXX XXXX, NC XXXX was closed in XXXX of 2022 after being open well over 25 years with never ONE LATE PAY! It was paid in full with a XXXX balance. This account at XXXX NC is NOT MY DEBT! I NEVER consented to or authorized it. I have spent hours trying to get this resolved. For a company to be able to come out of nowhere and claim I owe a dent on an account opened 2 decades ago with out my consent is a total sham. Not only have I had to deal with my only siblings passing, I am having to fight this company on a debt I do not owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft. accounts, loans, credit cards, and other accounts/things were fraudently opened in my name i have contacted XXXX  credit bureau XXXX XXXX credit bureau and XXXX experian credit bureau about this matter. the credit bureau continue to report inaccurate, damaging, negative information on my credit reports.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ACCOUNT # XXXX XXXX I REQUEST YOU PROVIDE ME WITH PROOF OF THIS ACCOUNT BEING LATE. IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE, PLEASE UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE. PLEASE PROVIDE DETTAILED DESCIPTION OF ALL PROCEDURES USED IN YOUR PROCESS TO DETERMINE COMPLETE ACCURACY OF INFORMATION REPORTED.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested Experian, XXXX and XXXX to update my personal information over and over.

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 2023-10-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged XXXX by mistake from XXXX XXXX XXXX XXXX, an XXXX  only company with no US support. Every time I call they state they will, but no one seems to issue a refund. It takes hours of my life and I am always told they will get back to me but never do nor issue the credit. 
This has been since XXXX. 
I submitted a prior request, but it is very confusing, since the charges were credited back all separately and the one in question shows one name on the charge and a different one on the credit. 
Chase was looking at the wrong amount/charge, which WAS credited back, not the one I was complaining about. 
What a headache. Hopefully I attached the correct printout to show the issue. 
The card started with a XXXX balance, yet still shows {$850.00} due when it should be back to a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-21
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit reporting 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 just noticed a hard credit inquiry from Synchrony Bank on XX/XX/2023. There was no direct benefit or authorization for Synchrony Bank to access my personal 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 2023-10-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-10
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On about XX/XX/XXXX I wrote a check to XXXX XXXX for {$2800.00}. The check was inadvertently deposited and cleared my account for {$3.00}. I was asked to provide a subsequent check for the difference of {$2800.00}. I wrote a XXXX check and this amount cleared my account. During this time, I filed a dispute with PNC to see what happened with the original check. On XX/XX/XXXX a debit adjustment was made on my account for {$2800.00}. I immediately called PNC to figure out what this adjustment was. I was told this was for a correction to the original check. I was told the adjustment could not be called back and I would need to contact XXXX XXXX to have them refund me for a duplicate payment. I contacted XXXX XXXX and was told they had not received funds. Over the course of the past 2 weeks I have gone back and forth between PNC and XXXX XXXX and was told the funds were sent by PNC but was told by XXXX XXXX the funds were not received. I visited a PNC branch on Monday, XX/XX/XXXX and worked with a banker to try to resolve this issue. He called the adjustments department and advised me PNC was waiting for XXXX XXXX to file a dispute on the original check which deposited for {$3.00} and the funds were basically sitting there. No one prior to this conversation provided me with this information. He was able to have the funds " forced '' out to XXXX XXXX. The next day, I received a call from PNC, advising me the funds had been sent to XXXX XXXX. This is not the bank XXXX XXXX does business with. I again called PNC, and was told because the bank XXXX XXXX does business with the fund had to be routed to XXXX to further transfer these funds to XXXX XXXX. It has now been 5 business days since I was advised these funds were sent out and XXXX XXXX has not yet received these funds. I have been contacted by a complaint manager named XXXX with PNC and was advised she would be researching my issue as of Wednesday, XX/XX/XXXX. I reached out to her today and was told she has no updates. PNC has not provided me with information on this transaction and can not track these funds after they were supposedly sent to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received an email stating that I opened an US band checking and savings account, which I did not do. I contacted US bank customer service, and it had different addresses for the accounts. I did not attempt to open any accounts nor provided my address and 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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 reached out to ALL 3 credit bureaus- TransUnion XXXX XXXX XXXX XXXX several times to have this account with- ( XXXX  XXXX name reported on my credit report ). The first time was for them to verify this account- ( XXXX ) and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.

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