BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I received an unknown deposit of {$500.00} to my checking account ending in XXXX on XXXX XXXX, 2016. I called to inform Wells Fargo something may be suspicious with a {$500.00} deposit from a business account I did not know. The fraud department changed my account number, and said they would be holding onto these funds while they looked into it. On XXXX XXXX, my aunt called and asked me if I received the {$500.00}, which she said was a surprise gift. I asked her where it was from and she stated her business name, XXXX XXXX XXXX or something. That was the deposit that I reported to the Fraud Department. I called them back and said that I made a mistake, and to please withdrew the claim. I was advised that the claim would be closed and that the {$500.00} would be credited back to me. Then I get notified by email that my account has been closed by a different department ( charged off because of a negative balance ). I received a letter dated XXXX XXXX, stating the claim was withdrawn and now closed, but no indication of how the funds would be returned to me. I looked at my account and there was no credit of {$500.00}. I have not received a check. I have not been advised a check has been mailed. I have called several times. I was told " well it should be mailed out to you within 10 business days. '' I asked where the record of the check is. I asked if there are notes and from whom stating a check had been mailed. But no notes, no confirmation, no indication a check was being mailed. Then I called again, the fraud department rep told me the investigator, XXXX, would return my call in 24-48 hours. I have not received a call. I called again today, and spoke with a woman of whom I do n't recall the name, and she stated she was working with XXXX via email while I was on the phone with her, and asked me to hold. I WAS ON HOLD FOR AN HOUR. And still she did not return to the call to inform me what was going on. I called again and waited to speak to someone, and he told me there were no notes on my account from her. He informed me that he could not find where the {$500.00} was returned to me, and that he did n't know who I should talk to about where the money is. Customers are not allowed to have phone numbers for the investigators, so he put in ANOTHER request for someone to return my call. I asked that he request a supervisor return my call. He informed me that someone would be back to me in 24-48 hrs. What if they do n't call me back, even with repeated requests?? I believe someone in the fraud department has either lost or stolen my {$500.00}. Whom am I to call and actually reach someone to send me the {$500.00}???

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 2022-05-05
Company: EQUIFAX, INC.
State: NC
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:
An account was open into my name and when contacted the merchant they told me i am responsible for the account without no proof of the account being mine. They also reported it on my report which is tremendously impacting my score. I need them to remove it if they have no proof that the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on ARS ACCOUNT RESOLUTION XXXX Balance {$300.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal 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 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted all three credit bureaus stating that this is not my accounts

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 2020-04-07
Company: Experian Information Solutions Inc.
State: AR
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:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including bankruptcies. These items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$320.00} XXXX  XXXX {$1800.00} XXXX  XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$33000.00} XXXX/XXXX   XXXX {$1200.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$460.00} XXXX  XXXX {$6800.00} XXXX/XXXX  XXXX {$700.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2022-05-05
Company: Experian Information Solutions Inc.
State: NC
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:
An account was open into my name and when contacted the merchant they told me i am responsible for the account without no proof of the account being mine. They also reported it on my report which is tremendously impacting my score. I need them to remove it if they have no proof that the debt belongs 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 non-monetary relief
Consumer complaint received 2017-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I pulled my credit because I am looking to purchase a car and notices a lot of duplicate inquiries starting from XX/XX/XXXX until now XXXX XXXX. I have not applied for any sort of credit since XX/XX/XXXX. I am aware of the inquiries being deleted from Transunion then added and I feel I was a victim of this. I called Transunion and they are unwilling to take care of this issue for me. I did inform them that I was aware of this issue and I kindly asked the supervisor to rectify this issue for me and he said to have a police report for every inquiry I feel is not accurate and submit it to them. My local police report is who educated me on this issue and simply stated that Transunion will take care of this for me so I called and they were unwilling to do so. So I come to you for help. Please help me. I would have gladly provided you with info but it would take me too long to list every creditor and their information. If that is a requirement Ill gladly take the time to fix this mistake by Transunion.

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 2016-01-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo has a property listed at XXXX number XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. I put a FULL PRICE offer of {$360000.00}, on this property, which is listed with the REO agent XXXX XXXX. License number is XXXX XXXX in XXXX XXXX XXXX ; on XXXX XXXX 2015. My Realtor was told that they Had a several offers over the Listing Price. Now the property is back on the market and is Listed XXXX below the previous Listed price and my prior offer. The Realtor now is saying that she has offers again, over the Listing price. I feel that since I am not using Wells Fargo for my mortgage, which an addendum was presented that wells fargo can prequalify me, and other documents pushing a Wells Fargo 's Mortgage person, the Realtor is not taking my offer. I also Feel, that the realtor is taking offers that she is getting both sides of the commission on which seems to be a conflict of interest and in the best interest of the REO Lender. This is not the first Wells Fargo REO property, that this Realtor did not accept my full price offer. My Realtor was willing to give her XXXX % of his commission to make this transaction work. Can you help me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Self Financial Inc.
State: FL
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:
Self Inc./ Lead bank has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Self inc/ Lead Bank before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Self Inc/ Lead Bank to furnish any late payments to my consumer report. It is my belief that due to Self Inc business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job on XXXX XXXX but I still paid my mortgage every month. On XXXX XXXX, I called my loan servicer Wells Fargo to ask forbearance plan, which stated on its website. First I was told they do n't have this plan, but only modification, and I was not eligible because my loan was current. After I reiterated I did n't want modification but temporary assistance, they assigned me a home preservation specialist. I told him put notes that I do not want modification. He ensured he did, and told me the assistance plan for 6 months which pays {$25.00} each month, and a lump sum total repayment needs to make after 6 months. He also stated I need to submit property tax and home insurance info to get approval. I was hesitated and never submitted these. I got a letter one week later that I got approved even though I never submitted requested info. At the beginning of XXXX, I decided to make full payment for my mortgage, I was told online I had to call home preservation to make a payment. I did, and the specialist assisted. One week later, I received a letter that escrow account was established and payment for property tax was made. The letter dated XXXX XXXX, but I paid my property tax on XXXX XXXX. The letter indicated Wells Fargo reviewed my property tax upon the assistance program. The specialist never notified me this, and I had up to XXXX XXXX to make tax payment. So now, I was forced to create an escrow account, my property tax was double paid, my current loan is no long current because the escrow amount was taken from my principal. I called the specialist, his manager stated that the purpose of escrow account was to protect investors ' interest. If I ask for assistance, even just for a few months, they have to establish escrow account. My questions are if I could only afford {$25.00} a month payment, how would I be able to afford escrow? I asked for temporary assistance for my last resort help in case I can not make payments, but now my credit got ruined, my loan was messed up, my property tax was double paid, and I no longer can have temporary assistance. How awful!! I would rather use up my savings but not want this kind of disaster, hassles, and insults. Wells Fargo does n't care about consumers like me but only its investors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have submitted court documents to the credit bureaus showing they're reporting incorrect information, for an account that should not be in collections, and does not have a balance. They have not removed these accounts from my account stating that the furnisher confirmed the information. As I've told the credit bureaus, this information is not correct, and I have provided legal documentation, showing a zero balance.

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 2020-02-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I got a card from Citi that is advertised as a 0 % interest card on transfer balances. I made one purchase, in addition to the transfer, and they charged interest on it. After that was paid, and all that was left was some of the transfer balance, they charged a minimum interest charge despite the 0 % advertisement. 

When I contacted them, they said that there was a minimum interest charge even on 0 % cards, and that it's not based on the balance. These scumbags need to be put out of business. They're knowingly lying about their rates and trying to XXXX people with small charges that aren't part of their advertising or contracts.

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 2022-09-13
Company: EQUIFAX, INC.
State: NY
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 ( FCRA ) -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX have violated my consumer rights and caused me severe stress and anxiety due to their inaccurate reporting and their willful non-compliance of my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The CFPB closed my last complaint ( XXXX ) following a response from the company. The inquiry into my account was likely triggered by a name change that occurred due to marriage, which is something primarily affecting women. I attempted to resolve the issue by providing the documentation they requested. They dishonestly claimed the documentation I provided, which included a copy of my passport, was fraudulent or fake. In my response I asked the company to provide evidence my passport was fake. Passports are gold standard for identification and misrepresenting yourself with a forged passport is a crime. They made the claim without providing evidence. Also in my response to these claims from the company was the observation that their claims were unchallenged by this process, but my complaint was closed regardless. I am still waiting to hear the details of exactly how I forged my passport, and how applying identification algorithms that disproportionately affects women is not discimination against a protected group.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I live in NY and submitted my original complaint to NYS Department of Financial Services. My problem is with Wells Fargo Home Mortgage, regulated by you. In XXXX we got an unemployment forbearance. I called in XXXX because we were back to work, and wanted to resume payments under a modification. From that time on I have had XXXX " specialists '' who have requested their own laundry lists. In some cases I had XXXX different specialists in one week. I always submitted the required paperwork, promptly. I was originally told that I had 6 months for the forbearance. Today is the end of that time. Ihave complained everywhere, and have been assigned to XXXX XXXX in the President 's Office. I have sent her a packet as requested, and asked for confirmation of hat happens next. I know it arrived on XXXX/XXXX/15, followed up with emails, and am getting no response. Basically, Wells Fargo is totally unresponsive. My loan is a XXXX XXXX, but the package is never getting submitted to them since Wells Fargo is not doing their job. 
I am totally disgusted with the lack of response, and very concerned about the status of my mortgage and credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My complaint is about Navy Federal Credit Union. It has come to my attention that my current auto loan is now nearing almost 4 years of payments. I decided to go over the amount I have paid and what is left to pay on this loan. Based on what I have calculated I have not even paid off half of the original amount financed. Based on my XX/XX/XXXX - XX/XX/XXXX statement I have {$23000.00} left out of {$31000.00} that was originally financed XX/XX/XXXX. Additionally I have calculated out the last 11 months ' worth of payments which equaled {$4800.00}, to which {$1600.00} has come off of my principal balance. That means that {$3100.00} had gone towards the interest charged on my loan. The average amount that is getting paid toward my principal is {$150.00} and {$280.00} goes toward interest. That is nearly twice as much. Based on the figures that I stated above it would take me approximately 153.4 more payments to finish out this loan. That is another XXXX years on a loan that was only supposed to be for 84 months or 7 years. So this begs the question : Why am I going to pay 15 years on a 7 year loan? I would literally be paying {$67000.00} to pay off the {$23000.00} that is remaining. I renegotiated this loan XX/XX/XXXX to get a lower payment because of financial difficulties, but apparently the interest stayed the same, so nearly XXXX % of every payment goes to interest. This is ridiculous in my opinion.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief