BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Alright, here goes! 

On numerous loan applications I've done recently I've noticed that my FICO score based on Transunion data shows the following. 

SERIOUS DELINQUENCY FICO Scores consider the presence of a serious delinquency ( very late payment ) on a person 's credit report as a powerful predictor of future payment risk. Your score was impacted because your credit report shows one or more serious delinquencies. 

TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are important to FICO Scores. Your score was impacted because the time since your most recent past due payment was too recent. 

When I check my Transunion credit report, there is no delinquency, but this supposed delinquency is affecting my FICO credit score, as my Experian based score is some 80 points higher. I pay all my stuff on time and everything is fine and dandy. I even purchased a Transunion score ( which uses the VantageScore 3.0 scoring formula ) and it rates me at XXXX or " XXXX XXXX. 

When I contacted Transunion, they told me they can't do anything about it and to contact Fico score as they would be the ones to fix it.

I contacted Fico at myFico since that seems to be the consumer side of their operations, but they told me as well that they have no control over the information that goes into generating the score and that I have to contact Transunion.

I contacted Transunion again, and they told me nothing is wrong on their end. I now have 2 companies pointing fingers at each other and am powerless as an individual to get this situation fixed, which leads me to making this complaint! If I could receive assistance in getting this fixed, that would be awesome. I personally think it's some sort of coding issue mistranslating Transunion data to FICO numbers, but both companies are telling to talk to the other, leaving me stranded.

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 2016-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a Capital One Visa card, to which I have several automatic payments attached. Within the last couple years, I had to close the account ( get a new account number ) once when my son lost his card and then again when Capital One changed to chip cards. Changing account numbers is a real hassle for the consumer who has payments tied to the card. 

Several times the fraud department has declined transactions, even though they were n't fraudulent. Typically, I could respond to a text or email and retry the transaction, but this is n't very convenient if others are waiting in line behind you at a store ( especially at a grocery store checkout, for example ). 

Yesterday was the last straw with me. I received a call from the fraud department regarding some small charges, none of which were fraudulent. In fact, one of the charges they asked me about was a regular monthly charge that has appeared on my account for over a year. Apparently, their computer program " suspected '' that there was a fraud problem, and they insisted on closing the account. I spoke with a supervisor in the fraud department and told her that I did n't want my account number changed yet again, especially since it was a chip card ( supposedly more secure ) and there were no fraudulent charges. She just gave me the spiel about the computer suspecting something and insisted on closing the account. I asked to speak with her boss, and she told me she does n't report to anyone, which I find very hard to believe. So I told her I 'm done with Capital One. Apparently, they do n't care about losing business. 

Questions : Can they close my account against my will even though there were n't any fraudulent charges? Are there any credit card issuers whose fraud departments are more reasonable to deal with?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed for them to remove this bankruptcy too many times. I have wasted money and sent letters certified and still no resolution. This is damaging my personal and business life. They stated that the information was verified in the enclosed document XX/XX/2020 but the bankruptcy was removed from XXXX  but is still currently reporting on XXXX  and XXXX. They are reporting inaccurate and unverifiable information and I would like for it to be removed and an updated copy of my credit report sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed for them to remove this bankruptcy too many times. I have wasted money and sent letters certified and still no resolution. This is damaging my personal and business life. They stated that the information was verified in the enclosed document XX/XX/2020 but the bankruptcy was removed from XXXX  but is still currently reporting on XXXX and XXXX. They are reporting inaccurate and unverifiable information and I would like for it to be removed and an updated copy of my credit report sent to me.

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 2017-02-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is incomplete, outdated, and incorrect information reported on accounts that are reporting on my credit report. The accounts are : XXXX. I have requested these accounts to be deleted due to the violation of FCRA. I submitted this request XX/XX/XXXX2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
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 XXXX  Account * XXXXXXXX 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 Has Violated my rights.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1618 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29
Company: 21ST MORTGAGE CORP.
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I called to make arrangements to pay XXXX payments next month on my XXXX mortgage with 21st Mortgage. The rep XXXX was so unkind and said " what are you spending your money on? '' I asked for a supervisor XXXX who came on with pretty much the same tone. Saying they have the right to know what I spend money on if I owe them. Maybe so, but there 's a better way of them getting the information they need than just being so rude and blunt. I do n't have to show them my receipts of what I spend my money on. The point is that I 'm trying to work with them to get caught up and they harrass me with emails and treat me like dirt when I call in. I 've encountered this numerous times with this company. Finally XXXX transfered me to her boss XXXX XXXX at ext XXXX who was very professional and understood my concerns. He worked with me on the arrangement but this company is tipping the scale on their collection procedures and need to know where to draw the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in a short sale with Wells Fargo. There is no XXXX mortgage. Seller 's husband died which created her hardship. She is on XXXX and Wells has asked for 1 ) and profit and loss statement prepared ONLY by a CPA which is completely non standard, I did my own P and L since there was nothing on it but {$190.00} a month! 2 XXXX The BPO was done XX/XX/XXXX and is now expired. Since then I have been with XXXX processors who have all asked for the SAME thing repeatedly! I have continued to supply it, but now they are asking for evidence of seller receiving food stamps. This has NEVER been requested before and I have been given only 48 hours to submit it, even though it will take XXXX weeks for seller to receive one in the mail. I have a buyer whose loan lock is expiring. 3 ) Since the XXXX was done in XXXX, I am now being told it 's expired and will have to have a new one before value is reviewed. This is NOT acceptable as that will take at least XXXX more weeks. I have escalated this file to the top level, XXXX XXXX is her name, but now she is on vacation!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had a XXXX checking account and savings with Wells Fargo for at least XXXX years. Recently I realized my account had been charged {$8.00} per month for the last XXXX months. I immediately called to find out why and was told that my debit card expired and fees were based on not having a debit card. I was not aware it expired nor was I notofied of the change in type of account I have as a result. Usually a new debit is sent when the old XXXX expires. I was told a new card would be ordered and only XXXX of the XXXX {$8.00} fees could be removed. This month a {$10.00} charge appeared. They have no record of a new debit card being ordered and say that even so I would have to use it XXXX times a month for it to count toward the free checking. They also said my account had been switched to a {$1500.00} minimum, which I DID NOT authorize! I had called the XXXX number to find out if the other XXXX charges could be reimbursed. They said no, but we did not discuss changing the parameters of the account. I feel violated that my account was changed twice without my knowledge and fees are continuing to accrue. I am closing the account as soon as possible, but wonder how many others are paying fees without knowing it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I am a victim of a crime from the man from XXXX name XXXX XXXX. He contacted me on XXXX to sell me a bag and accessories and I sent him XXXX $ wire. In return he sent me a box of garbage and when I confronted him he blocked me. I trusted him because of his XXXX XXXX he use account name XXXX XXXX. I got his name and address below ; XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX His bank account name : Wells Fargo Account Number : XXXX First payment XXXX $ date transfer XXXX XX/XX/2022 Second payment XXXX $ date transfer XXXX XX/XX/2022 Third payment XXXX $ date transfer XXXX XX/XX/2022 Total Value XXXX XXXX I did not received the goods I paid for. Please help me this is such a big lost for me. Thank you so much.

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 2022-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted Capital One Auto finance on XXXX XXXX XXXX at XXXX to request an extension for my XX/XX/XXXX payment. XXXX advised i wasn't eligible for an extension, however, stated there were other options available that would prevent any negative credit reporting/ 30 day late notices. XXXX of the options she gave, was to schedule my payment to be debited from my account on XXXX XXXX, XXXX. I specifically asked her if she did this, would it prevent my account as showing 30 days past due for XXXX, and she advised YES, it would stop 30 day late notice to credit agencies. I agreed to have payment scheduled on XX/XX/XXXX, due to the false information given to me by the capital one representative. I have never been late on the auto loan since the account was opened in 2020. I'm in the process of buying a home, and this error caused by the capital one agent has impacted my credit score negatively. Had i known that the account was going to be reported as late, i would have made arrangements to pay prior to XXXX XXXX. Please resolve this error by removing 30 day late notice on all credit reports. This error was caused by misinformation given by a capital one representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My bank account was compromised yesterday I called chase bank and they told my replacement debit card that I havent even gotten yet was compromised and they they cancelled It and will ship another one in 2 days and apply a temporary credit of the amount taken within 12 hours that never happened and they charged me 5 bucks for the replacement without telling me when I tried to call everybody is being rude and transferring me around and hanging up and refuse to fix the problem!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-01
Company: Windham Professionals, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My students loans were in default and a garnishment order was issued to an employer I worked for sporadically, so at the time of the order, I was an as needed employee, and my employer sent communication stating that they would garnish as they were able based on my pay. Several months later, My loan is in rehabilitation, and no longer in the office of Windham Professionals, INC. 
XXXX XXXX XXXX XXXX, NH XXXX XXXX I receive a paycheck yesterday XXXX/XXXX/2016 and there is a garnishment included. My employer is unable to remove the garnishment because they have no order to stop the garnishment. I then contacted Wyndham, and was told that my account was removed from them, and they could no longer speak to me about it. I asked if they would please send an order to stop the garnishment and they again reiterated that they could not address anything regarding the account with me. They said the account changed hands almost 9 months ago, and it was no longer theirs. I reiterated that my employer will have to continue to send garnishment payments to them until they receive this order. I was then told to contact XXXX, but when I did that I was told they never had issued a garnishment order. 

Basically, Wyndham needs to revoke the garnishment because they no longer handle the account, but they are refusing to work with me. We have worked to bring the loan out of default, and it is no longer in a status which would allow for garnishment.

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 2021-03-11
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account has already been disputed with my bank. Also in the Florida state attorney 's office and both were favorable for me.

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 2020-11-11
Company: Experian Information Solutions Inc.
State: IL
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 collection and closed accounts are fraudulent and there are hard inquiries that should not be on my credit and are to be deleted, customer service is not responding. Please delete. Please see police report attached.

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 2017-02-10
Company: Designed Receivable Solutions, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
DESIGNED RECEIVABLE SOLUTIONS has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe DESIGNED RECEIVABLE SOLUTIONS any alleged debt and would like them to provide proof of claim with authenticated verification. DESIGNED RECEIVABLE SOLUTIONS has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Fraudulent accounts. 

There were numerous accounts opened for me without my authorization in the XX/XX/2015. At the time, and after a few months worth of transactions and fraudulent activity, I called and spoke to a representative that helped me close them. I did n't think too much of this situation at the time, but in light of recent news I will be scrutinizing that period of activity closer and looking for higher accountability and better options. 

I have a few of the banking statements from this period, but will be requesting a complete history as, curiously, the 2015 statements are not available online even though I marked this as my preferred communication method. Additionally, I will be gathering more information and reviewing this situation with friends and colleagues. And finally, to compound the issue, my personal information was compromised around this time and numerous credit cards were opened and/or manipulated without my knowledge or authorization. I ca n't say the two are related, but the timing is suspicious. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband was in XXXX XX/XX/2016. I paid XX/XX/XXXX and XX/XX/XXXX mortgage payments. XX/XX/XXXX i called Wells Fargo and asked if i could defer 6 payments to the end of the loan or perhaps pay only the principal for 6 months while my husband was in the hospital. I was told that they do n't do any of that and they could n't help me. I called 4 times just in the month of XXXX, finally i got a customer service person that told me they have an outside company that works with them on all of that and i was forwarded. XXXX XXXX was the persons name i was put into contact with.Unlike what the customer service person told me he DID work for Wells Fargo. He asked me to give him information which i did, it took several weeks by this time it was XXXX and i had not made a payment since XX/XX/XXXX. After submitting paperwork i was told in XX/XX/XXXX they would not help us and that all i could do is pay up the account or be foreclosed on. Since the XXXX of XXXX i have been trying to pay the account up they will not take the payment. Customer service at the XXXX number refused. Location bank Tellers refuse. with no reason why, i am just told they can not help me and there is nothing they can do for me. Finally after 3 attemps on the phone and 4 attempts in person i got a banker at the XXXX XXXX Wells fargo to give me a reason. XXXX XXXX XXXX has a block on the account and no payments can be made. I have contacted him several times now and am still waiting on contact back. Seems they would rather foreclose then to allow a person to pay for their mortgage. I thought refusing payment was illegal?

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