BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-16
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I have owned our two unit home for 20 years. We refinanced our loan in 2005 and now it is held by Wells Fargo. Our problem is with Wells Fargo. They are sending out paperwork that is false that states they have tried to work with us and help save our house but that is not true. We have tried to fix our problem with them but they have never given us the time of day, have never looked at our situation, and are pushing us into foreclosure. 

We have had no problems making the payments on our mortgage for 11 years. This property is home to myself and my wife, as well as my son and his family which includes XXXX children. My wife and I are retired and on fixed income, and my son is responsible to make the mortgage payment each month. Last year my wife and I took a trip to XXXX and ended up staying for a few months longer than planned to have some medical treatments. While we were gone, our son missed several mortgage payments. We did not know about this until we returned. Once we found out we began trying to see how we could fix this. Wells Fargo would not let us make a single mortgage payment, they told us we had to pay the full late amount. So we tried to see if they would consider us for a loan modification. But we have made no progress with Wells Fargo. They will not assign someone to our case, they will not talk about options or open any kind of review for programs that would help us. They also sent out a letter signed by XXXX XXXX who says she is the VP of Loan Documentation where they claim they tried to contact us to discuss things we could do to save our home but could not do so because they could not reach us. This is false. They did not TRY to reach us. Instead of working with us to fix the problem they are marching us to foreclosure. 

We have paid on our loan for 11 years with 7 % interest and Wells Fargo has collected lots of money from our family. Why will this bank refuse to work with us and consider us for any of the modification programs? This is home to XXXX people, we want to save our house.

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 2017-02-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On or around XX/XX/XXXX I directly disputed a collection account ( XXXX Accounts ) with Experian, as they did not validate the debt pursuant to my request and federal laws. Allegedly, Experian conducted an investigation and determined that the account was mine. On or around XX/XX/XXXX, I requested that Experian provide me with the method in which they verified the account. To date, Experian has not provided me with their method of verification.

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 2016-10-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
experian is reporting incorrect information on my credit report. I tried to re-dispute information that is incorrect and the system will not allow me to do so. My report number is XXXX. First they will not correct XXXX accounts with XXXX. These XXXX accounts are reporting as discharged through chapter XXXX bankruptcy. This is FALSE information as I NEVER filed chapter XXXX bankruptcy. This is having a very negative impact on my credit score with this wrong information. I contacted the original creditor and keep being told that it is confirmed that I never did chapter XXXX bankruptcy with them and it will be corrected. I reported XXXX to the XXXX and received a response from the XXXX that they never responded. I am complaining about this because it is ruining my name and my credit worthiness having this false information on my credit report. Also capital account acct # XXXX is reporting an incorrect balance. The collection agency has agreed to delete this from my credit report. I submitted a dispute with experian in regards to this and received a response it has been verified. This is also incorrect so I tried to re-dispute it again and again the system will not allow me to do so. It says that I already previously disputed it and they will not allow another dispute. This is completely wrong as well. Experian is ruining my credit score with incorrect information that they refuse to do a proper investigation. This is causing me a hardship in obtaining credit.

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 2022-11-19
Company: Google Compare Credit Cards Inc.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Several Payment fraud transactions by a cybercriminal on my google accounts : First Payment fraud transaction : only one XXXX Purchase XXXX XXXX XXXX XXXXXXXX ( Unlocked ), Expedited {$660.00}. 
XXXX The unknown cybercriminal address and name the fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX United States XXXX this purchases made using my google account stored credit cards info ; and Google did not protect me nor ask for my approval ( by sending a code authorization or notify me. ) google suppose to protect my payment and notify me if any suspicious activity going on on my account. I canceled the card I don't have the card number but I can provide you the last four number of the card : XXXX Second Payment fraud transactions : three transactions : XXXX XXXX XXXX XXXX XXXX ( Unlocked ), Expedited {$660.00} XXXX XXXX fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Unlocked ), Expedited {$990.00} XXXX XXXX fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Expedited {$390.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX These purchases made using my google account not stored or added debit card info ; and again Google did not protect me nor ask for my approval ( by sending a code authorization or notify me. or send me an email so I can stop the illegal transactions ) The Google wont help me or refund me. or talk to me : Google respond : " so no refund will be provided by Google at this time. If you would like to pursue the matter further, you can reach out to your financial institution. '' Google support are joke no contact no phone number no support ( google avoiding any phone person support claiming short staff Covid 19 to avoid any responsibility ), no person to talk to. I started after two days when I noticed the Payment fraud.

Please we need help against this giant company that do not protect or support its customers, we can not stand against a giant company like google. smart company like google the least the can do when they see purchases going to different address is to send notification or when a payment added to my google payment method to notify me, google did notify every month about my XXXX dollar subscription, but not a single notification for such purchases please you can check my all emails not a single notification Please if you need any information let me know and I will provide them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
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: Was not notified of investigation status or results

Complaint:
I mailed out my letters to XXXX on XX/XX/2020. I received a response today XX/XX/2020, We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized party. 

They did not leave any advice on how to submit the request, so that they will know that the request is directly from me. This just seems like a stall tactic. 

I have submitted request before the same way and nothing was removed nothing was updated i.e. comments under the accounts, personal information remained the same. In my request ( disputes ) I provide a copy of my social security card, driver license, and a bank statement and they have failed to remove the accounts, and update my personal information. 


Experian : This company has failed to update the comment section of the accounts that these accounts have been disputed by the consumer. I sent out my letters to them on XX/XX/2020, and when I log into my Experian account all the disputes have been completed but some accounts dont have the verbiage that consumer disagrees and has disputed the account. 

Please look into this for me any assistance that you can provide would help. 

Thank you!

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 2016-02-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian Refuses to remove negative items and inquiries from Credit Report even though companies are unable to validate debts via signed contracts. Credit score incorrect. XXXX has been sent a notorized fraud affidavit. XXXX & XXXX are also on my credit file although the 3rd party debt collectors are unable to validate the debt. They are unable to provide a contract signed by me to validate the debt. Inquiries disputed but have yet to be removed. It 's past 30 days. Company not compliant with FCRA.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Account was closed and settled. Information keeps being reported anyway and the account total is completely false.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-01-19
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Calvary filed a lawsuit against me without providing me with proof of a claim against me. They did not provide me with any information indicating that the alleged debt was valid. They reported on my credit report and now my credit score is suffering because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX, I had XXXX checks clear my account. XXXX for {$300.00} and the other for {$160.00}. On XXXX/XXXX/15 I transfered money from my other checking account to cover ATM transactions and some other Credit transactions. Please see the attached document, which clearly shows I had a posititve balance post on XXXX, yet they still are charging me {$35.00} for each check that cleared. The other credit transactions, along with my transfer has not even posted yet. I understand an authorization was placed for those credit transactions, however, if the balance was negative on XXXX after checks cleared, why did they authorize more transactions? Wells Fargo has a habit of back posting debits/checks if they see it will make your account go negative. I have experienced on more than XXXX occasion, yet they wait to credit deposits. I have XXXX separate checking accounts ( XXXX are mine and XXXX is my son 's ) I realize having XXXX accounts confused me on which acct I was using for those credit transactions, which is why I immediately transfered cash from my other account, which had more than sufficient to cover my transactions. As you will see from the attached document, it shows a positive balance of {$18.00} AFTER the checks were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Checkr, Inc
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Per XXXX and XXXX, I notified Checkr of not having my written consent to furnish any information on the consumer report they created about me. Checkr disregarded my letter and did not delete the info I told them to delete/remove. I did not dispute anything and I mentioned that it was not a dispute. Im enforcing my federal consumer rights. 15 USC 1681 my written consent has to be given to furnish any information on a report about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I continually experienced additional fraud to my name and social in spite of the efforts made to prevent it. The following additional accounts are a result of my identity being stolen and need to be documented and removed from my credit report. 



XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am unable to access my credit report from Experian. The challenge questions they ask on their website have items I do not recognize and does not allow me to obtain anything. The last time I was able to check a few years ago, there are items that do not belong. Incorrect items have affected my credit and ability to get jobs.

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 2015-07-20
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Experian took over 30 days to respond to my dispute of inaccurate items on my credit report. 
See attached documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an account that was a recent balance change date it has always been {$0.00} as of XX/XX/XXXX. IT has now been changed to {$0.00} as of XX/XX/XXXX. This change goes along with my discharge date of XX/XX/XXXX as to what Experian has told me. But what they cant understand that this has made me take a big hit on credit score as that it makes the account look as if it was just {$0.00} as of XX/XX/XXXX. This account has always been {$0.00} ever since XX/XX/XXXX since I filed bankruptcy as to the original company XXXX XXXX sold the account and never filed a claim it was XXXX out. I can understand under Status it showing discharged as of XX/XX/XXXX but not a change of date under Recent Balance. FOR this change has made the account look as if I owed a balance before XX/XX/XXXX and looks as if I owed money that I did n't owe, Experian refuses to change the date back or delete account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Byrider Franchising, LLC
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I opened a loan with CNAC AKA JD BYRIDER in XXXX IA XXXX XXXX, 2012. On multiple occasions CNAC charged a card that I did not authorize to be saved and without my consent. I filed a complaint with the card issuer and the funds were reversed. However my former wife and I then became divorced. As we were going thru separation they began to call her and probe into our personal matters. Between the fraud and over extension of their rights, and empty threats I decided to take the loss and allow them to repossess the car. Now years later I have cleaned up my credit tremendously. However, CNAC continues to report untruthful information to the credit report agencies regarding the length of the loan, the balance due, and the overall terms. Every time I ask for a copy of the contract they tell me that they do not have to provide it because they believe my dispute is " frivolous ''. I simply want a copy of my original contract so that I can 1. Properly dispute the account. 2. Possibly begin legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened an saving account with Capital 360 online. In the bank 's advisement, it says there will be {$100.00} bonus if I deposit new money {$10000.00} for 3 Months. I deposited {$10000.00} on XXXX XXXX 2015, but did n't see the bonus right now. I would like band give me the {$100.00} bonus with promised in advertisement. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Paypal Stole my money. 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
Government of Canada is Corrupt and I need help. 
Services Stole and did not receive money after time elapsed in contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not owe this debt. This debt belongs to my father. He was born in XXXX. I was born in XXXX. We basically have the same name except I am the XXXX ( or XXXX ). Please remove this debt from my credit report and delete it from all credit reporting bureaus. I did not originate this 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 explanation
Consumer complaint received 2016-12-19
Company: Optimum Outcomes, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received what I deem a phoney collections letter dated XXXX XXXX 2016, on Thursday XXXX XXXX, 2016 saying : XXXX XXXX XXXX XXXX XXXX has turned your account over to us, Optimum Outcomes , Inc., ACCT # XXXX amount due {$1400.00}, XXXX : XXXX XXXX 2016. 

XXXX does not appear anywhere on XXXX. I have never received any type of billing from this firm, which leads me to believe they are bogus. 
Optimum Outcomes, Inc further states : " Unless you notify this office within thirty ( 30 ) days after receiving this notice that you dispute the validity of the debt, or any portion thereof, this office will assume this debt is valid. ... this office will provide you with the name and address of the original creditor '', " if different from the current creditor. The address to send correspondence is XXXX XXXX XXXX, XXXX, NC XXXX. 
Sincerely, Optimum Outcomes, Inc. 
XXXX '' I have no intention of contacting these scammers. It sounds like they 're just fishing for more sensitive information from me. After calling my doctor 's offices, hospitals, and insurance agency to see if they could verify any ties to a XXXX they uniformly said that they never heard of XXXX indicating that it is not a legitimate business or home health agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage through Wells Fargo. In XXXX of 2014 I re-financed my home through Wells Fargo. ( I hoped this would make the process easier ). This year when my taxes/insurance were due, Wells Fargo informed me that my escrow had been used to pay the closing cost for the re-finance. However when I re-financed I was told the closing cost was added to my principal loan so that I would not have any out of pocket dues, which I agreed to. Now they say I owe an additional ( approx ) {$150.00} a month to cover the escrow and have not yet paid my insurance or taxes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief