BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Trans union made a giant error and wiped away inquires on thousands of peoples credit file, but to make things worse they went back and tried to remember which files had been affected and which ones were not affected. By law, and pursuant to the debt and fair credit act, customer should have been notified, before trying to place these erroneous inquires back on customers credit file, but we were never contacted. So once I found out that I was indeed a victim I contacted Trans union and notified them that I was one of the victims of their inquiry mishap and that I wanted those inquiries that had been wrongly placed * back* on my credit file removed, I was told that I was not one of the victims and that they could not remove them. This is very wrong in every since of the word. I was indeed a victim, and I want these inquiries permanently removed from my credit file..

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 2017-08-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
foreclosure sale date XXXX. I called wells fargo about my options to live in the home, they told me to apply for Loan Mode and re entry dept :. will decide to approve my case. I filled complete package but still wells fargo re entry dept :. told me that some of the papers they have not received. So I re fax again the same papers. wells fargo told me that during interview and re entry review process they will keep going forward with the Fore closure process and re entry dep :. will decide whether the will approve me or not and i will have no right to appeal. I also hired for help some consultant on XXXX XXXX th, XXXX and than on XXXX XXXX, XXXX Me & my family living in this house for 17 years and we all want to keep the property but we are not getting reasonable monthly mortgage. end.

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 2021-12-21
Company: Experian Information Solutions Inc.
State: MS
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:
Fraudulent accounts and inquiries are furnished on my consumer report without my written permission as a result I'm a victim of identity theft. As a consumer I have the right to privacy of 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 2022-07-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I started services with XXXX and I was charged for a kit, and there was a set date where my monthly order would run. I contacted XXXX after finding out it was a pyramid scam and this was after they ran the monthly payment too soon when it was not authorized. I was provided 2 return labels by them and was provided a refund processing time frame which has now been exceeded by weeks after the returns were received. I filed a dispute with USAA in which I feel they are continuously not properly investigated or handled. I received a response after USAA asked me to provide additional proof I supplied documentation that shows the date that the monthly payment was authorized for was not followed also all tracking return info ordering info and the confirmations that show all orders have been received by the vendor with their return labels as of XXXX they have had the item still no refund. USAA sent me a notice on XX/XX/22 stating the transaction was authorized therefore they are once again reversing the provisional credit, and once again siding with the merchant who has the money also merchandise. This vendor attempted to debit my account twice after this was canceled USAA provided no support. They do not actually investigate anything so this means I am out of another {$250.00} this continues to be a trend for USAA in my personal experience there has not been one instance where they used any of my supporting documentation to make a just decision. I would like an explanation of how this continues to be the case, and how we can support merchants keeping merchandise also customers ' money which means I apparently am able to donate because there is nothing I have received out of this transaction also every month my account has been tried for a shipment of the returned items. I am so disappointed as a member.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: PNC Bank N.A.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took steps to try and remove PMI from my PNC Mortgage loan, since value of home is about right. Started the process by inquiring with PNC what the steps are. They stated if the home current value on a current appraisal is 80 % ( exact numbers given ) and there has been an upgrade on the home, then we cant take the PMI off. We paid out of pocket for the appraisal ( to appraisal company hand picked by PNC ) and the value came back a few thousand dollars short. So we PAID into the loan the difference, so we could meet the cost to value requirement. So that issue is resolved. The upgrade issues is complete replacement of the HVAC system. The old HVAC ( house bought two years ago ) was at the end of its life, and needed replacement as evidenced on a home inspection reports used as part of the home purchase. So within the last year we have completely replaced the entire HVAC for the entire home. This is part of the home and hence qualifies as a home upgrade. So now PNC Mortgage reports their " XXXX XXXX '' do not accept the HVAC replacement as an upgrade, also, they have changed the rules ( not noted on original PMI paperwork when home was bought ), now if thy make a new rule that if there is no upgrade of their liking they have decreased the loan to value to 75 % instead of 80 % before the PMI can be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This past weekend and again today I tried to get my free annual credit report online from Equifax. Each time I was provided a text box that stated I could not get an online report. I tried to use two different browsers and got the same result. I thought each of the three reporting companies is supposed to provide a free online or paper report. I want the electronic version. Is a specific browser needed or does Equifax have a temporary problem?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: American Financial Network Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Update on mortgage that was closed in late XX/XX/XXXX late at night in XXXX XXXX CT without a notary and without a lawyer for me or American Financial Network, INK. 

To add to the existing issues reported I got a call from American Financial Network at XXXX at XXXX PM and said for me to call them by automated dialer. I responded by calling them back at XXXX PM a minute later and spoke to someone that I have spoken to previously. I was placed hold for about 4 minutes and was hung up on when I asked about loan modification and documents. 

I then called back at XXXX PM and was hung up on again. 

I have submitted documents that have been requested for approximately a year and every time I submit what is requested of me, I am told a month or 2 later that a paper needs to be updated ( which is good for a month such as bank statement ), then after 1-2 month review the response is over and over, and over again. 

There is more as the workers 1. Give me contradictory information everyone I call as documented in recordings that I have done and the company is required to do. 

2. The workers give me no information that is helpful. The firm issue the workers do is demanded which tone of voice I use when talking to them and talking in a passive and subservient tone. I've accommodated a few times in return for the loan modification getting done and no luck. 

3. I was told to get the right documents in and that it's like a program for approval. When I told the manager 2 months ago that a program is " only accurate if the right data is put into program '' she got mad and was short with me. 

I have continually asked XXXX what documents they need and when I present them they say they need something else and the process never ends. For instance I submitted a Profit and Loss for XXXX and then after a month plus of review XXXX tells me that I also need to sign the document ( after a month plus review ), and then after I submit the new document I was told that I needed something else about old mortgages that I no longer have and on and on and on. 

The contradictory information with every call is made worse when I'm told by XXXX that American Financial Network is not handling the loan modification and then I'm getting calls from American Financial Network and no there just hanging up on me since these Consumer Finance Protection Bureau complaints. 

THIS company and or XXXX has no process or consistency that I can follow and are RANDOMLY making policy and making demands to me as is FINANCIALLY and most feasible action as this complaint is in the works.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Loan made under my credit I did not personally apply for

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 2017-08-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
OnXX/XX/XXXX, my brother went to the Chase Bank branch in XXXX XXXX, Indiana like he has done since about XX/XX/XXXX to cash his monthly check I write to him from his social security XXXX payment. I am his representative payee and mail him a check each month from the funds deposited into the checking account. This month he had to pay a {$8.00} fee to cash the check I wrote because Chase Bank classifies him as a non-account holder because I am the representative payee. The money is his and is direct deposited from the Federal Government each month. I communicated via secure online messaging with Chase Bank and they referred me to the branch. I then spoke with the branch manager and was told she can no longer waive that fee because Chase Bank had updated the computer software and removed her authority to do so. My brother 's account has been open since XX/XX/XXXX, maintains a nice balance with direct deposit and only 2 paper checks each month are process through it normally.

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 2022-07-06
Company: Bread Financial Holdings, 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:
Since the end if XX/XX/2022 I been trying to make corrections on my report regarding trade line if Comenity XXXX XXXX with XXXX, nothing has been fix and instead of conducting a " proper investigation '', they continued to on it, delete and.or do nothing regarding the information disputes. As of this date, I can not have a complete, accurate and verifiable trade line. I tried disputing on line, over the shine and last via cert mail. In addition, I have tried to obtain and dispute directly with Comenity, furnisher with no answer. It is a mystery and/or Comenity is not releasing the records of payments, charges and I am stuck with a trade line full of errors and incomplete because XXXX is not able to verify the information which was previously reported, once disputed, XXXX claimed that they contact the furnisher and it is accurate OR the information disputed is UNKNOWN. I am demanding accuracy completeness errors free in my consumer report. Please review the attachments, I made notes including dates, comments and circled the disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: WELLS FARGO & COMPANY
State: FL
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:
I have purchased something and cancelled the order without items getting delivered at all from XXXX using XXXX and charged to my Wells Fargo Credit Card. I was short-refunded of {$100.00} short ( e.g {$1000.00} paid, {$900.00} refund ). 

I have opened disputes twice with XXXX, XXXX refused to cooperate, asking for random proof like tracking numbers, recording of call, that I can't possibly prove. 

Then finally I have opened a dispute with Wells Fargo to chargeback XXXX then Wells Fargo declined dispute without any explanation even providing my receipts and proofs plenty of times. 

Important fact is that I am deaf person. That makes a phone call incredibly difficult.

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 2021-04-14
Company: Experian Information Solutions 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:
The credit bureau is reporting inaccurate info on my credit file.The account in question is XXXX XXXX XXXX. The late payments are erroneous because of identity mismatch. This account is being confused with a relative with the same name at a different address.

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 2022-02-03
Company: EQUIFAX, INC.
State: MN
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:
Attached to this complaint is a XXXX XXXX Police Report for proof that the following accounts and credit inquiries listed on my Equifax and XXXX credit report are fraudulent and is the result of identity theft : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX. All of the accounts and credit inquiries are fraudulent, unauthorized and not my accounts or credit inquiries. Please review the attached XXXX XXXX Police Report. Police Report XXXX XXXX : XXXX. Please keep the attached police report on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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: Information belongs to someone else

Complaint:
Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Nationwide Recovery Systems, Ltd
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XX/XX/2019 XXXX XXXX. Received 3 emails from Synchrony Bank stating A Trial Deposit Has Been Successfully Made to Your Amazon Creditbuilder, and another stating Action required on your application.

I never applied for a Creditbuilder but do have a Synchrony credit card tied to my Amazon account. These emails are alarming.

Has Synchrony been hacked? Can not get through to them. Please look into this!

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 2017-08-21
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email telling me that a debit card had been mailed and I do not have an account at Wells, I called the bank ( XXXX XXXX XXXX ) and was told to email the fraud Dept. @ XXXX. This is the second time and I am not sure what to do next. XXXX XXXX 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 2022-07-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX uploaded but not accessible until XXXX XXXX uploaded letter in portal because the cure date is the same date as posted but document not made available until XXXX ; regardless, not enough notice given

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Experian Information Solutions Inc.
State: TX
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:
Experian said there was a mix up of reporting on my report and updated an item that was over 7 years old. The update had changed the date to a current date which is incorrect. Experian would not get me over to a supervisor to get the issue resolved. There is no information on the collector and no way to get in touch with them in regards to this issue. Experian was the ones that mixed up my accounts and information and will not help to remove what is my legal right to have it removed.

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 2019-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My capital one credit limit is XXXX. After requesting increases, I was able to make purchases up to XXXX before the card was being declined. Assuming the line was increased, I received notification from credit bureau stating my score dropped due to over credit limit ... I was told by capital one that their was a glitch allowing it to go that high, she then transferred me over to a senior supervisor named XXXX, who said there is absolutely nothing they can due regarding an issue they they made, and is affecting MY CREDIT in which im trying to build back up upon declaring bankruptcy last year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
State: MI
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX is reporting late payments to credit bureaus for my social security number. my account ( XXXX ) is set as auto pay, but payment did not process on time for unknown reason. at last with the help of XXXX XXXX advisor, same information was re entered. and payment was made. 
Wait is extremely long for calls and messaging. I am not even able to submit complaint to XXXX XXXX ( copy attached ) I did try to call prior to XX/XX/ to resolve the issue, but could not hold phone line for hours. my late fee was removed. and I was assured by XXXX XXXX advisor that account will show timely payments. but today I received a notice from credit monitoring service that late payments are reported by XXXX XXXX. I think its very unfair.

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