BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-01
Company: WELLS FARGO & COMPANY
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
There was a fraudulent late fee added to monthly payment. Statement history does not match the information that servicers are giving me. According to information provided by Wells Fargo, the late fee is n't a late fee, but rather accrued interest placed in the late fee section because " there was nowhere else to put it '', despite there being a section for outstanding interest. I was told this was the result of an adjustment and the late fee has nothing to do with XX/XX/XXXX, but was not reflected on my bill due XXXX/XXXX/2015 because the adjustment was done after that date. As I have issued complaints with the CFPB several times about similar issues and nothing has changed with the practices of this company, I no longer wish to deal with this company any longer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Compliant against XXXX XXXX XXXX of Annie Mac Home MortgageI am a victim of being treated unfairly by XXXX XXXX XXXX, branch manager of the Annie Mac mortgage company, XXXX, Delaware branch. Per the Dodd Frank Act under Unfair Deceptive Abusive Acts and Practices ( UDAAP ), it states " abusive '' is defined as : - materially interferes with the ability of a consumer to understand a term or condition of a consumer financial product or service, - takes " unreasonable advantage '' of a lack of understanding on the part of a consumer of the material risks, costs, or conditions of the product or service '' Deceptive '' is defined as : - consumer 's interpretation is what matters, not the institution 's intention with its message or practiceWhile UDAAP may not be applicable to Annie Mac due to their amount of annual assets, they should still fall under the laws of UDAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on myCredit Reports and needs to be deleted immediately : DEPARTMENT OF EDUCATION/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 2020-10-01
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Santander is reporting an auto loan on my credit reports with XXXX, XXXX, XXXX  that is erroneous. 

I have disputed the account with XXXX, XXXX, and XXXX  and no on ehas provided validation for the Santander account. 

I demand that this account be removed from the credit reports with XXXX, XXXX, and XXXX. 

SANTANDER Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18
Company: Performant Financial Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt collectors are calling my phone numbers for someone else 's debts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I sent multiple checks to Santander Consumer USA to pay off my auto loan sooner. To my surprise the checks were applied as regular payments. I called numerous times to resolve the matter, however they never did. I submitted my first complaint against them a couple months ago. Since then I sent in multiple payments again to payoff the car loan sooner. Again, the payments were not applied correctly and Santander collected interest from my payments. This resulted in my due date becoming XXXX/XXXX/2017! I called them once and sent them a written to have the matter resolved and the interest collected applied towards the principal balance. It was never completed. I followed up one last time as the balance of the loan was now low enough to payoff the loan. I was instructed by one of their reps to payoff the loan and the overage from the interest collected would be refunded back to me. I have not seen a dime of a refund from them nor have I been contacted for follow up with them. The last rep I spoke to over a chat told me they could n't do anything since the loan was now paid off. I pushed back and told the rep what I was told before. The rep was able to confirm what I was instructed to do per the notes on the account. However, she told me that management would fix it and send me the refund as the payoff to the loan should have been smaller if the payments were applied correctly. I still to this day have not received any correspondence from them nor the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
According to the GrammLeachBliley Act, dated on XX/XX/XXXX I, XXXX XXXX, Consumer am aware that The financial institution which is in fact ( XXXX XXXX XXXX XXXX XXXX XXXX ) is in noncompliance with the GrammLeachBliley Act, which in fact fines are up to {$100000.00} ( per violation ). It is evident that XXXX  XXXX is furnishing my private information to the Credit Reporting Agencies and did not comply with The GrammLeachBliley Act and provide me with the appropriate opt out notice according to The GrammLeachBliley Act for me ( XXXX XXXX ) the consumer to " Opt Out. XXXX  XXXX is in consistent noncompliance with all my complaints and this is my last warning. Im aware that XXXX  XXXX is furnishing my account as 60 days Late in XXXX, 90 days Late in XXXX, and 120 days Late in the month of XXXX and XXXX of XXXX to the Credit Reporting Agencies when in fact there is only 31 days in XXXX and 30 days in XXXX. Thats very deceptive of XXXX XXXX. Im also aware that a Finance Charge is a sum of ALL charges According to The Truth In Lending Act. I demand XXXX  XXXX to remove EVERY and ALL Late payments from my Consumer Report. I demand XXXX  XXXX to Remove the status Charge Off from my Consumer Report because that is in fact extortion to me reporting Charge off on my consumer report. If XXXX  XXXX continues to report Charge off on my consumer report you will be in violation of collection of Collection of credit by extortion means 18 U.S. Code 894 which in fact carry 20 years of imprisonment sentence which XXXX  XXXX will get. I gave you the warning. I will take all actions necessary. Now do what is right, and stop extorting Consumers. It is not right. I refuse to allow my rights to be violated. I will make sure You be held accountable if you decide to not comply with my demands and hold XXXX XXXX accountable of your extortion your doing to me. My credit is important to me and it is my reputation, and your ruining my financial reputation reporting Charge off and I will take all legal action to protect my reputation. Do you understand me XXXX XXXX? My credit is important to me. Now correct all your errors. Best regards

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 2020-10-01
Company: Experian Information Solutions Inc.
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:
I had an account with XXXX XXXX Acct. XXXX ). In 2018 I had an accident and was out of work. I contacted XXXX and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later. 
When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of 2018 and running through XXXX of that year. 
I contacted XXXX and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of XXXX ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps XXXX correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own.

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 2022-05-27
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I filed a complaint against XXXX case # XXXX regarding XXXX XXXX acct XXXX XXXX that is on my credit report. Just take a look at the documents I have attached from both XXXX and Experian. None of their reporting is accurate and dont even match! This is unacceptable! This is where you can tell there was NO INVESTIGATION! I should get legal representation because According to XXXX response as I am quoting Please be advised that an internal review was completed and results were mailed to you. We hope this resolves your concerns. I never received any results or any response about the accuracy of the XXXX XXXX acct or investigation and steps that were taken to verify this acct! XXXX XXXX Another violation based on the last reported date on this XXXX XXXX # XXXX the last reported date of activity was back on XX/XX/XXXX I live in the state of Florida and the statue of limitations is 5 years! This acct is well over 7 years. There is no date of delinquency, pass due amount=XXXX  reported balance=XXXX  This is a clear violation/s. Its been over 35 days and no response either by mail or phone calls from either party this includes XXXX XXXX, XXXX, Experian or third party collections! Please provide detail results of how the investigation was conducted by whom and supporting documents that this account is accurate! If not please delete this acct from my XXXX and Experian Credit Report. 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 2016-03-28
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card
Issue: Payoff process

Complaint:
WellsFargo gouges their consumers by playing fast and loose with the dates when they close credit card billing cycles : they close the billing cycle earlier than they are supposed to thus not applying payments made on the last day of the business cycle towards the outstanding balance and therefore calculating higher monthly payments than they would otherwise have calculated had they closed the billing cycle on the day when they were supposed to. This gouges the customer twice : first, it calculates the minimum payment on the basis of a higher balance ; second, because they 've already calculated a minimum amount due the following month before the current billing cycle actually closed, they take the payment made on the last day of the billing cycle and apply it first towards paying this higher, fraudulently calculated payment, and only apply the remainder towards the balance. In addition, they never actually communicate when the billing cycles end to customers until after the fact. I had to call them and ask them to give me the last dates when I could make payments on my account. According to those days I should still have been able to apply a payment I made today towards the balance on my account but lo and behold, when I went online to make that payment ( I had planned to pay down {$1800.00} ) they had already calculated my minimum payment due next month. I called them about it again and now they are telling me that the business cycle ends not at midnight on the dates they had given me before but at XXXX am the day before. ( What?!?!?!? ). 
This has happened repeatedly with Wells Fargo, which is why I decided to call them and find out from them when exactly I could make my payments. They calculate interest on average on {$2000.00} more each month than they should, thereby costing me $ XXXX/month.

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 2016-02-24
Company: Performant Financial Corporation
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an issue with a debt that I should n't owe ( Not the issue here. ) The issue is they call both my cell phone and work phone number about every 30 minutes throughout the day. 

They call my co-workers ' direct lines numerous times a day, which is the real problem. 

It is causing damage to my work reputation having to explain to every co-worker why they 're getting debt collection calls for me to their direct line. 

Not to mention it happening several times an hour throughout the day.

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 2022-05-27
Company: Experian Information Solutions Inc.
State: NJ
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Experian failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the timedeclared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non- compliance with federal statutes. Please UPDATE the accounts in my Credit Report : 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

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 2020-10-01
Company: Velocity Portfolio Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir I received a letter in the mail from this company called Velocity Investments LLC, and XXXX  XXXX XXXX for a debt. They say I owe XXXX dollars for a debt they are trying to collect. The reduced amount is XXXX to settle the debt. I lived in the XXXX XXXX XXXX XXXX for 31 years I paid my bills on time I am a veteran and I worked for the XXXX XXXX XXXX XXXX  for 17 years and the monitored my debt activities and I had to keep my bills paid on time so t could keep my job with the department. I paid my home loan with XXXX  XXXX XXXX and auto loan with XXXX XXXX bank. I kept my credit monitored back XXXX XXXX because I was a victim of credit fraud. And the government offer credit monitoring for employees. This letter I received in the mail from them on XX/XX/2020.

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 2016-04-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I got a call from XXXX XXXX XXXX telling me to pay the amount of my apartment settelement. I moved from XXXX XXXX apartment on XXXX of XXXX and I got a bill to my new condo on XXXX of XXXX stating that I need to pay {$990.00} for cleaning and carpet replacement. I wanted to talk to them to negotiate the money as I was in the aprtment for 7 years 4 month. The Agnecy was insting me to pay over the phone which I declined and they told me they will report as a dispute and will impact my credit history

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Transunion failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the timedeclared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non- compliance with federal statutes. Please UPDATE the accounts in my Credit Report : 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

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 2022-05-27
Company: Consumer Portfolio Services, Inc.
State: FL
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:
I have some credit inquiries that I do not recognize. They were informed only on XXXX bureau Consumer Portfolio Services - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have new and updated information regarding Equifax and XXXX. 
Both CRAs have stated that they have no knowledge of which account is being disputed. 
I have documentation from both companies alleging they have spoke with XXXX XXXX regarding this dispute and that the account was verified. I have requested all documentation used to reinvestigate this account. As it should have lawfully been investigated upon its first reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 requested the removal of inquiries i did not authorize

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 2015-05-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In Wells Fargo Bank , N.A . Wells Fargo Dealer Services response, they state that WFS Financial " changed '' its name to Wachovia Dealer Services, then Wachovia Dealer Services " changed '' its name to Wells Fargo Dealer Services. Wells Fargo is implying that the word " changed '' in the " name changes '' they state is not exact or alike the terms used in the contract, or that they can just give a reason and the reason dissolves that term as used in the contract. This is what is stated in the contract right above my first signature it states, Any change to this contract must be in writing. Both you and we must sign it. No oral changes to this contract are enforceable. Copy is attached. 
Wells should admit they did wrong. Because who would believe that any term in a contract can be avoided by just changing a name, then take all the money or property associated to the contract, how easy they have it. Then just punish the consumer by reporting to XXXX the false information. # XXXX response to Wells Fargo 's response

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
My plant is with Equifax Equifax is not following fcra regulations they claim that my credit file has split into two different credit files and it makes it very challenging to obtain the correct information I advise on numerous occasions that there is incorrect information on my credit report I 've sent documentation and they 're requesting documentation over and over again it is extremely frustrating

Company response to consumer: Closed with explanation