BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I checked My credit through XXXX which I do on a monthly basis, And found that Wells Fargo dealer services was reporting it incorrectly I was speaking to a rep by the name of XXXX, I explained that they were reporting incorrect information on my report, My account # XXXX they are reporting it as closed, Its Open, they are reporting it as derogatory included in a bankruptcy ( which is untrue ) It opened in XXXX 2013 and is current NEVER past due and has a current balance of approx. XXXX He got off the phone put me on hold and told me It was MY responsibility to get it corrected, that I must file a dispute and take my time and effort to correct their error, this is effecting my credit score, this effecting my ability to obtain additional credit, and is damaging me. I explained under fair debt and accurate reporting that they can as a subscriber and reporter of credit investigate and review what is reporting by going into XXXX and manually correcting their error, He the rep responded with " I can only tell you what MY supervisor told me to tell I want this corrected Immediately, and what them investigated on these types of practices this Unfair and deceptive in their inaccurate reporting of consumers account 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX at XXXX XXXX XXXX is reporting without my consent wrong information XXXX XXXX XXXX XXXX XXXX was open fraudulently I sent several disputes

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 2022-01-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The bank is holding my money illegally. The funds were retrieved from the third-party account I mistakenly sent it to. I called him when the bank closed the claim, even though I called them less than 30mins after the money was sent and he said he will refund me the cash through his bank. The bank which is the same bank has debited him of the money but they have refused to give me my money back saying they closed the claim when they fully know that the money has been debited from the third-party account. I ought to have made a profit with the money but XXXX did not allow me to make the profit.

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 2021-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XXXX, our bank account with B of A, was hacked for {$1000.00}. I filed a claim with bank. As of today XX/XX/2021, claim was denied, stated since account was nit maxed out and we had enough to cover transaction. This transaction happen doing our bed time over night. The company hacker was XXXX out of New York, we never heard of this company. Dont understand their investigation findings. Please help us.

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 2020-03-30
Company: ONEMAIN FINANCE CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
After my first complain against OneMain about a Hard Inquiry that I do not recognize, this mention company send me a email ( see attachment ). OneMain offer me to call them again and discuss this issue, Well I had call this company many times already and send dispute letter about this hard inquiry true the 3 mayor reporting agencies. I DONT THINK I NEED TO CALL THIS COMPANY AGAIN .... JUST INVESTIGATE THIS MATTER AND DELETE THIS HARD INQUIRY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: KINGS CREDIT SERVICES
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Kings Credit Service bought a debt from XXXX XXXX XXXX XXXX  and will not resolve my dispute. XXXX XXXX XXXX XXXX did not perform the services they billed for. I ended up having to go to a different dentist in XXXX, XXXX to complete. XXXX XXXX changed his hours and I was unable to be treated. I have disputed this bill with XXXX XXXX and XXXX on several occasions but the collection agency Kings Credit Service has not removed this debt from my credit report. Help is requested. 
Account Number XXXX - date opened XX/XX/2021 original amount {$1400.00} now {$2300.00} address of King Credit Service, XXXX XXXX XXXX XXXX XXXX XXXX XXXX no phone number provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting act, XXXX, Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

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 2022-04-13
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Pentagon Federal Credit Union on XXXX XX/XX/2022 and a subsequent hold on XXXX XX/XX/2022 was placed on the account by the bank 's fraud department. The following documents were sent to the bank on XXXX XX/XX/2022 to verify identity : 1 ) Photo copy of Social Security Card, 2 ) photo copy of Driver 's license 3 ) Photo Copy of Vehicle Registration. 

To this date ( XXXX XX/XX/2022 ), I am unable to access my funds totaling approximately {$15000.00}. I need these funds to pay my bills.

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 2016-04-22
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have XXXX credit cards : TJ Maxx, Wal- Mart and Belk , all through Synchrony Bank . XX/XX/XXXX, Belk decreased my credit limit from {$900.00} to {$860.00} based on my credit report and not the fact that I had not been late and was paying on time. Then XX/XX/XXXX, I experienced a financial setback for which I spoke with a customer service representative for Wal-Mart/Synchrony Bank. The representative set up payment arrangements drafted from my checking account, and she advised me that my account would remain open as long as I made payments. Then come to find out, customer service lied because my account was closed and turned over to a collection agency. I called them, sent a letter, and informed them about their lying business practices. I complained about them turning this over to a collection agency, which now has a negative hit on my credit, especially after I was making timely payments. Wal-Mart/Synchrony Bank took the account from the collection agency, and I began making my payments at the store. However, they refused to re-open my account even after I paid it in full. 
Mind you, I have the TJ Maxx and Belk cards through Synchrony Bank, which I was paying on time and maintaining. Then on XXXX XXXX, XXXX, I paid {$800.00} on my Belk card, still leaving a small balance and {$500.00} on my TJ Maxx card. Then two weeks later, XXXX XXXX, XXXX, I received an email copy of my statement saying my available credit was {$9.00}. So I called the next day about my emailed statement, for which no one could answer but advised I would be getting a letter in the mail stating why they decreased my credit. I believe they knowingly chose to do so to adversely affect my credit score. I pay my balances down below the 30 % so my credit score can increase, and two weeks later Synchrony Bank makes this decision regardless of me being a member for years, paying on time, and having multiple accounts/cards. I truly believe Synchrony Bank, formerly GE Capital, is back to its old, unfair practices greatly affecting people who are working hard trying to maintain their credit scores. The reason I know this is unfair, they have reduced my credit line twice within a year 's time. Why would my account be flagged so, especially with me paying on time? How could a bank possible justify going from {$900.00} to {$170.00} within a year 's time and the customer has been making on-time payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: HOPE BANCORP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Afternoon, Due to Corona Virus.XXXX XXXX is come to complete Stop. & Most of XXXX XXXX have notified me they will not be able to pay rent. I asked Bank of Hope for suspending my of my loan payment for 3 months. They are stone walling me and asking me for all kind of document on. This is very unprofessional going against federal guidelines. 

please look into it XXXX XXXX Loan # XXXX Loan # XXXX Loan # XXXX Bank Of Hope XXXX XXXX XXXX., XXXX  XXXX XXXX XXXX, CA XXXX Phone : ( 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 2022-04-13
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
XXXX 'XXXX XXXX XXXX XXXX XXXX XXXX for obtaining pre-qualification rates from various lenders for personal loans states the inquiry is soft and will not affect your credit report ; however, XXXX, will run an unauthorized hard inquiry based on the information provided by XXXX. I have noticed that no inquiries, hard or soft, by XXXX in the last two years have appeared on my XXXX credit report but DO appear on my XXXX credit report. 

XXXX should be investigated due to their unlawful operating procedures regarding unauthorized credit report attainment.

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 2017-02-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
" funds received '' of {$1000.00}, on XXXX/XXXX/XXXX as Doc XXXX shows under " activity since your last statement ''. same statement dated XXXX/XXXX/XXXX under " important messages '' part of which reads " starting XXXX XXXX, XXXX checks will be sent for all refunds, regardless of amount. '' no check but, a credit to my account. Wells Fargo did not do as statement reads. same mailing as Doc XXXX & XXXX explain the reason for refund and a credit ( not a check ). Wells Fargo did not allow me to be in control of the money they took from me. then after getting caught taking my re-fund they decided to add the amount to my principle. I feel it was not right for Wells Fargo to make this decision without my consent via the above rule that they stated in writing about overages. 
Wells Fargo added insult to injury as Doc XXXX show a " XXXX '' for {$1000.00} as received XXXX/XXXX/XXXX in which I had to pay taxes on the amount credited it the principal of my loan, which was a loss around {$200.00}, that I would have gotten back on my taxes. 
Doc XXXX shows more interest income for {$24.00}. I believe I have never received that refund, and I had to pay taxes on that amount as well! 
Wells Fargo has taken money from me, returns it to me but, decides to pay on the principle of my loan which benefits them ; and only after getting caught then you know what those nice folks did next, why yes, I have to pay taxes on the money they took form me, and already paid taxes on to pay the taxes again. Therefore, the end result was that I paid taxes twice on two different amounts, I believe that is double dipping and I am sure this is not legal. Also, they did not follow their own written policy regrading overages and refunds. 
When I called Wells Fargo on XXXX/XXXX/XXXX to inquire about this concern I was told that, " well sir we could sent you back the payment you just made at the XX/XX/XXXX ''. I thought, no thanks if I took that offer I would have to pay taxes on that in XXXX. During the same conversation they had the audacity to ask if " would you like to refinance with us '' not now but thanks for nothing.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
Experian confirmed verified XXXX XXXX XXXX as verified as accurate. I requested reinvestigation procedures to determine accuracy of verification. I did not receive the 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 2022-04-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reached out to this company on a number of occasions and let them know that this was identity theft. This was open without my knowledge and permission. I let them know in writing that I had a police reports and my information was stolen. You can check address and signature like I told them too and no response

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I was scammed by loan companies in order to refinance federal loans i was receiving grants for they took loans and sold off to different companies without authorization i believe my loans are from uncredited schools and are not rightfully mine I would like them removed from account they are affecting my life with an unreasonable amount I'm not able to pay and don't believe are mine. Lots of scams attack XXXX  XXXX and we will never get out of debt.

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 2015-12-15
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I have made a purchase on a house I was scheduled to close on Monday, XX/XX/XXXX. I initially applied for a mortgage loan through TD Bank back in XX/XX/XXXX. However, the mortgage processor neglected to let anyone know there was only one piece of the information missing until today, which prevented me from being able to close on the house. Everything was set up to close today between myself, the title company and the realtor, except for TD Bank because have n't gotten around to review or finalize anything even though they have been recieving information for the past two months. I am now in the situation where I will have no where to live by week 's end and have to pay fees and penalties to various companies that I had set up based around the closing date I was provided. There is no resolution or estimated time on when I will be able close on this house and was given poor customer service by those involved at TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
On XXXX I disputed an inaccurate collection on my credit report by sending Transunion a certified letter. ( see attached ) On XX/XX/20 I received a response stating, " After reviewing your dispute request, we found the information you disputed does not currently appear on your Transunion credit report. ( see attached ) This is clearly not factual because on that same day they sent me a credit report with the exact non-factual item listed on my report collection from XXXX XXXX. ( see attached ) I am asking that you make them stop violating my rights, by lying to me and giving me the run around to get inaccurate information removed from my credit report. Attached you will see the verification of my complaint.

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 2015-11-06
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 have been trying to get my equifax credit report for some time now. everytime I try to get it I get told to call in to verfiy my identity. This happened tonight and I called into verify my identity and the woman on the phone was extremely rude and HUNG UP ON ME and would not give me my report or scores. I URGE equifax to listen to this taped call as she was rude as can be and did not transfer me as requested. She would not help me and claimed she could n't get my report nor find someone to help me. Now a few years ago EQUIFAX MIXED UP MY IDENTITY AND CREDIT REPORT with a woman in XXXX. I am in XXXX. I had to escalate to their executive team to get help and I fear this needs to occur again as I think they mixed up my identity again. Before I file a police report and law suit I need equifax to give me the report on file for me. I called, email, and try the website and no one will help me. Please FIX THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I received several credit alerts through credit monitoring that there was negative info being reported by XXXX. I called them and they said they were not reporting anything negative. After pulling the credit reports they show current status as " contact XXXX for status '' but with all payments through XX/XX/2017 paid as agreed. I also paid my XX/XX/2017 payment a week early. Creditors are considering this negative and I was declined by XXXX XXXX due to this as " too recent delinquency on existing auto loan ''. Why is this reporting that way? It also shows ( I believe ) there is a dispute by me? I 've never disputed this account. Please correct this and note the account is paid satisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have repeatedly disputed XXXX XXXX credit card because its not mine and they refuse to remove it from my credit file. 

I also repeatedly have disputed XXXX XXXX XXXX AND XXXX XXXX XXXX because they have repeatedly failed to validate the debt and Ive never signed any type of contract with them or any company theyre claiming to represent. I want them off of all of my credit reports and XXXX XXXX Bank 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 non-monetary relief