BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or abut XX/XX/2023 a Cashiers check XXXX XXXX was distributed to XXXX XXXX  for the payment of services. 

The business of XXXX XXXX XXXX deposited the cashiers check in Wells Fargo Bank XXXX 

Wells Fargo Bank received the funds from XXXX XXXX XXXX. However, the 'Wells Fargo Bank XXXX with held the funds from XXXX XXXX XXXX My transaction could not be completed. The Wells Fargo Bank violated 12 CFR 229. I request sanctions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va 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 explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 had an open auto loan with XXXX XXXX XXXX XXXX that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XXXXXXXX XXXX. While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from XXXX a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately called XXXX back and made another payment with a representative. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I have disputed this payment several times now with XXXX XXXX and they werent responding at all until I just recently disputed it with XXXX, XXXX, and TransUnion while giving my supporting evidence and they just responded as verified. I have no control over XXXX XXXX phone system nor did I have any way of knowing that they were obviously having phone errors as a 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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repor

t containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-25
Company: U.S. BANCORP
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
1. Received pre-approval from US Bank on XX/XX/2023 from US Bank for a VA mortgage loan up to {$370000.00} 2. Signed purchase agreement on XX/XX/XXXX or XXXX, with a closing date of XX/XX/2023. 
3. Submitted all documentation and information requested to US Bank within one week.

4. US Bank customer service representative called with weekly updates on our mortgage. We were advised that we received approval from underwriting. 
5. XX/XX/XXXX a professional moving company packed our residence in XXXX for our relocation to XXXX 
6. XX/XX/XXXX, while we were actually driving from XXXX XXXX XXXX customer service representative called to advise we had a new underwriter assigned to our loan who had more questions and closing might be delayed. And the house did not pass VA inspection due to some areas that needed to be scraped and painted on the house. 
7. XX/XX/XXXX the US Bank customer service representative called requesting written proof of my husband 's transfer from XXXX XXXX XXXX XXXX location. We advised the transfer was still in process and thst we don't have a date yet. We asked what the problem was as I will be living in the house, my husband makes plenty of money to qualify for the mortgage and we have very good credit. The customer service representative was unable to answer our questions. 
8. XX/XX/XXXX the manager over our customer service representative advised that we were being denied our loan since we could not prove that my husband would not be in residence within 60 days of closing. She also stated that every other large bank would do the same thing. She also verbally accepted 100 % responsibility for our loan falling through on behalf of US Bank. She made the same admission to our realtor. She said that the bank would reimburse us our moving company costs as compensation for this situation. 
XXXX. We had to forfeit our XXXX deposit as the sellers were threatening to sue us for breach of contract. I advised the manager that I felt that the Bank should reimburse us for our lost XXXX money. 
10. We had to scramble to find an apartment for me to live in.

11. I feel that the bank should reimburse us for all up front payments to the bank for this failed mortgage, our moving costs, our lost XXXX deposit and the initial cost of renting our apartment. Not to mention the extreme stress this situation has caused.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Inquiries started appearing on my report that I didnt make. I called all three credit bureaus to place fraud alerts on my reports. Stating that lenders or financial institutions should ONLY verify with my phone number and email address. Whoever was calling in was able to keep changing my alert to their own number and information. I was almost locked out.

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 2022-12-19
Company: United Shore Financial Services, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello Loan number with UWM XXXX I called and United Wholesale Mortgage on XX/XX/XXXX to ask why my XX/XX/XXXX mortgage state was NOT reflecting the remaining award from Gov. XXXX XXXX XXXX XXXX XXXX I was awarded. The original award was for {$9700.00} sent to UWM in XX/XX/XXXX The remaining balance is {$1300.00}. All other money was applied to the mortgage, except this remaining balance of {$1300.00}. 

My XXXX mortgage payment is XXXX so the XXXX payment should be {$1500.00}. 

The rep from UWM told me the balance was returned wired back to the state on XX/XX/XXXX. I asked why was this returned and I was told by the UWM rep - that she did not know why. I called the XXXX XXXX rep and they told me that UWM should NOT have returned the money. That the money was to be used for my mortgage and any future mortgage payments, and the XXXX an escalation has been created over 2 weeks ago. I have not heard back form the XXXX XXXX Rep. 

So I decided to follow up with the reps at UWM once again, I have called XXXX since XX/XX/XXXX. 
to no avail. All I want them to do is explain to me why the money was returned to XXXX XXXX. Since the state told me they did not request any money to be returned! 

I feel that if this was done in error it should be corrected ASAP. 

I do not want to be late on my XXXX Mortgage for XXXX. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Consumer Portfolio Services, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
THIS WILL BE THE 3RD AND FINAL ATTEMPT FOR CPS TO RESTRUCTURE THE LOAN SOLD TO ME THAT IS CURRENTLY IN VIOLATION OF FLORIDA 'S USURY LAW. THE PAST TWO REPLIES FROM CPS ARE WRITTEN IN A WAY TO MANIPULATE OR CONFUSE THE READER. 
REGARDLESS OF MY SIGNATURE, I WAS NOT AWARE OF FLORIDA ' S USURY LAW UNTIL AFTER COMMENCEMENT BUT THIS DOES NOT EXCUSE YOU FOR PREDATORY LENDING. BEFORE WRITING LOANS, YOU SHOULD BE AWARE OF ALL STATE 'S USURY LAWS. YOU HAVE APPLIED AN INTEREST RATE THAT IS OVER 10 % OF THE FLORIDA STATES MAXIMUM RATE ON AN AUTO LOAN.. 

IF THIS IS NOT TAKEN CARE OF BY END OF XXXX, CPS WILL BE REPORTED TO FLORIDA AND FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/22, I received a letter from the Department of Education XXXX XXXX XXXX indicating that my Student Loan Consolidation was approved and that the TOTAL Indebtedness was {$22000.00} and was being Consolidated from a Private Student Loan Held by XXXX XXXX ( which had been transferred from Nelnet a month prior ). On XX/XX/22 ; I received a letter from Nelnet indicating that the loan was completed and that they were now servicing this loan with a current balance of {$22000.00}. 
In XXXX XXXX, I was surprised to see that Nelnet had not XXXX, but XXXX Loans now listed on my credit report with a total balance of {$44.00}, XXXX! Somehow ; Through this Loan Consolidation, I now had more than DOUBLE the XXXX. I have only ever had XXXX Student loan and Nelnet Was my Loan Servicer for several Years prior to Transferring it to XXXX XXXX shortly before I applied for Consolidation. 
In Reviewing My Nelnet account, they now have XXXX loans, XXXX is a XXXX XXXX  XXXX for {$22000.00} and the other is a XXXX XXXX XXXX  for {$22000.00}. 
I have attempted to contact Nelnet to correct this error, several times both through e-mail and XXXX, with no response. I have also tried to call several times, and just get a message that due to extremely high call volumes, I should try my call at a later time. 
I am Attaching all of the pertinent information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: MI
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i have submitted my correct paperwork for incorrect reporting with police report and all required documentation

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-05-25
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've counted over the last 7 days they citibank has called me 24 times in the last 7 days, I'm sure they know the laws but like normal refuse to follow them. I have screen shots of my call log as proof.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a personal information correction letter certified mail ( XXXX ) which was received and signed for, as well as submit disputes directly on the companies website ( XXXX, TransUnion XXXX XXXX ) none of which have been updated. 

Also request for debt verification has been ignored

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 2023-08-09
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XX/XX/XXXX, my loan officer requested my credit report. He sent me the report and there was a charge from a company called Credit Corp Solutions. I call them and They stated that I owed to them the amount of {$2500.00}, they said they were debt collectors from XXXX XXXX. 
At that time, I requested them documentation to support that debt. I told them that at my knowledge I did not have any debt with XXXX. I also contacted XXXX XXXX and they stated that I didn't have any debt with them. Credit Corp Solutions said that they were not allowed to provide any statement if I wouldn't give them my Social Security number. 
I denied that request and never was contacted again. 

On today 's date XX/XX/XXXX per my Loan Officer suggestion, I called the debt collectors again. They said that if I wouldn't pay them today, they will prosecute the debt. 
I did request the statements again, and they provided me with a charged off statement by XXXX and a letter from them, sent to one of my old addresses XXXX XXXX XXXX XXXX ; obviously I never got that letter, I moved from that address in XXXX. I never received an email from them either or a phone call. 

After I received their statements via email, I told them that I was going to revise that information and I will contact them back, they forced me to talk to a manager and I hanged up on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-26
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:
I am writing to urgently request the removal of fraudulent information from my credit report. Upon reviewing my credit report for the purpose of purchasing a house for my family, I discovered multiple accounts, addresses, and names that are completely unfamiliar to me. This misinformation is damaging my creditworthiness and hindering my ability to secure a mortgage. 

Fraudulent Accounts : 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 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 I have never been associated with these accounts, addresses, or names. I request an immediate investigation into this matter and the removal of all false entries from my credit report. The impact on my creditworthiness is severe, and I need this matter resolved promptly. 

Please provide me with the necessary steps and documentation required to support your investigation. I am willing to cooperate fully and provide any additional information or evidence as needed. 

Kindly confirm in writing once the fraudulent information has been successfully removed from my credit report. Additionally, I request a revised copy of my credit report to ensure complete resolution of this issue. 

Thank you for your urgent attention to this matter. I trust in your ability to rectify this situation promptly. 

Sincerely, 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 2023-05-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
you stated you rec; 'd a letter from XXXX XXXX, XXXX please send a copy of my complaint along with your response please submit via XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I will disclose further details if or when necessary, however, I sent a few payments to an unknown individual using my PayPal cash card. The payments were for an introductory meeting/payment for my security deposit and first night rent of the home I was negotiating to stay in. I discussed the details of my business and what other services I might be able to help her grow her business with, but essentially the agreement was my payment to her for security deposit and 1 night stay at her residence until further " lease '' terms were intended to be negotiated. 

The woman in question is not my associate, nor have we ever met in person, but after convincing me to send one payment after another I had sent several payments to cover the deposit and " rent '' for the night as well as negotiated a meeting to discuss business ventures. 

However, after multiple successful deposits sent to her from my paypal account I was given a physical address to meet in person and was blatantly lied to. The woman never answered the door, the house appeared to be vacant and I even jeopardized my safety by spending money i could not afford to cover my shelter cost for the evening. 

I tried to dispute these charges and transactions with PayPal with whom, I have had my account active since XXXX and almost NEVER have I filed disputes. My dispute including the following : " This person scammed me into a few payments that were supposed to be for a deposit on a rental of a house and they never delivered what they promised me whether I made several payments they demanded upfront '' However, they responded a few days after disputing said charges with the following comments : We've closed this case as our review showed that this transaction was processed correctly and an amount of {$50.00} USD was successfully transferred to the XXXX on XX/XX/XXXX at XXXX XXXX  XXXX. 

Transaction ID 's Transaction ID XXXX ( {$52.00} ) Transaction ID XXXX ( {$100.00} ) Transaction ID XXXX ( {$52.00} )

Company response to consumer: Closed with explanation