BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: PLANET HOME LENDING, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Planet Home Lending is harassing me with bogus fees and costs. I called Planet out for overcharging me {$870.00} in fees/costs that it got paid for by HAF. It took me 2 letters to Planet demanding an itemization and reconciliation of fees/costs. Planet was finally forced to acknowledge that I was right and they were wrong and they had to send the funds back to HAF. Planet is now retaliating against me. 

Planet claims in its XX/XX/2023, letter a {$100.00} fee for " Lawncut ''. Planet claims my neighbors were complaining about the lawn. That statement is a lie and Planet refused to provide me with any such proof. I have a neighbor move the lawn every 10-14 days and he states no one else has ever mowed the lawn. 

Planet states in its XX/XX/2023, statement that it is charging me {$770.00} in pending advances. I called Planet and no one knows what that is for but I'm being charged. I'm also being charged {$150.00} auctioneer fee when I was under Maryland legal protection from a foreclosure. Planet is doing what it can to steal money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Experian Information Solutions Inc.
State: TX
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 had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on more than one occasion to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.

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 2023-01-09
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I added XXXX XXXX as an authorized user on the account ( XXXX ) in XXXX, on XX/XX/14 I confirmed she was added with the representative I spoke to. It is reporting to her credit report as an authorized user. When I spoke to the issuer today XXXX at XXXX XXXX speaking with XXXX they stated they are having issues adding authorized users, and that they are not reporting to the credit bureau, this is obviously incorrect so either they are misinformed, or lying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo placed my home in forbearance without my written authorization and have made modifications to my loan without my knowledge or understanding and it was not signed by my husband or I. We were eligible for state covid funding and because they put our mortgage in forbearance we didn't qualify. They told the state our mortgage was not delinquent. We have been unable to make a payment since XX/XX/XXXX and suffered severe financial losses due to covid. I have been calling them since XXXX very frequently trying to get this straightened out. I asked for the forbearance to be removed and they refused to tell the state we were behind on our mortgage. I filed a complaint with their corporate office and they were the rudest people I've ever spoken to on the phone in my life. Not once did they tell me I could remove the forbearance. I recently was informed I could do that by another Wells Fargo agent which I did immediately. It appears they have now added a second principle balance to our loan in addition to deferred interest we owe. NONE of this was ever explained to us or approved by XXXX. They have also misrepresented to the state of Kansas that we were not behind on our mortgage payment when in fact no payment has been made since XX/XX/XXXX. Because of the way loan servicers are compensated for forbearance, Wells Fargo is undoubtedly making money on this and playing with peoples financial well being and mental well being. Our family is now at risk of losing our home because of this fraudulent behavior during one of the worst economic collapses in recent history. I phoned Wells Fargo today XX/XX/XXXX to have them send me the date my mortgage would be considered 30 days past due according to their records. The first representative said XX/XX/XXXX and the second one told me XXXX. I asked them to please email me the information and what date my mortgage would be considered 30 days past due so I could have it in writing. They both told me they couldn't provide any information via email regarding this request. I simply asked them to provide me the date when my mortgage would be considered 30 days past due so I would have it in writing and they both said they couldn't provide me the information. I feel like they are purposely trying to keep me from qualifying for state assistance and making money off of it also. This is the definition of a predatory lender. I've made so many calls to them ( probably well over XXXX ). I can provide a list of dates for the calls if necessary but according to them everything is always recorded. They are trying their hardest to push this to foreclosure and make as much money as they can from it. This is shameful and Wells Fargo has been admonished before for their illegal and predatory behavior. This needs to stop!!!!

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 2020-04-27
Company: EQUIFAX, 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:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$1900.00} XXXX XXXX {$1700.00} XXXX XXXX {$3600.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$7400.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello! I keep getting a call from Allied Title Lending LLC saying that I owe a debt and since Im not cooperating theyre sending agents to my HR department and to my home to arrest me. I called them back at : ( XXXX ) XXXX and spoke with a woman who said the same thing and when I told her I filed bankruptcy she rudely cursed me out and hung up. I called back and the same thing happened. It was further explained that I NEVER took out a title loan and again, if I had, its too late to collect because of the bankruptcy. This has been going on for days! The supposed debt ( under an address I never lived at by the way or even heard of ) is from XXXX. I filed a chapter XXXX in XXXX and a XXXX XXXX in XXXX. Those debts are no longer valid at all! This company knows that and when I referred them to my attorney they hung up each time. When they did talk, they could not tell me the location of this loan, who signed or showed ID for it, the dollar amount - nothing! This has to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent Account # 1234, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2023-02-28
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX XXXX, irs, XXXX tool my identity and been using my social for over sites and markets. My name is XXXX XXXX XXXX, # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I sent the complaint to Equifax XXXX XXXX and XXXX about incorrect items on my credit report it is well past 30 days and I have not got any information back on my investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of a natural disaster that took place XX/XX/2023. I notified this company to get on a hardship plan. To my knowledge the plan took place that day. Months later I pulled my credit and noticed they were reporting late payments to the credit bureaus. I immediately made a payment to bring this account current. I then requested for the late payments to be updated to XXXX. The company reimbursed me for late payments but did not remove the late payments from my credit profiles. I have disputed this several times. I have sent in proof of the natural disaster and have still had no luck. I am currently looking to buy a house and the late reporting is really affecting me and my family. I am asking for the XXXX accounts late payments to be updated immediately. This is defamation of character. 15 U.S.C 1681 states that there should be no damages on my report because its defamation of character. Thanks in advance.

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 filed identity theft report reference # XXXX and sent it with disbute letter to all bureaus of fraud that I seen, XXXX XXXX XXXX, XXXX. XXXX, child support accounts XXXX, XXXX, XXXX, XXXX. I sent to bureaus XXXX XXXX Ive been trying to contact them to no one telling me much of anything please help me dispute this fraud of 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 2020-07-18
Company: EQUIFAX, INC.
State: UT
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: Other problem getting your report or credit score

Complaint:
XXXX  and XXXX  have a record of my existence. However, Equifax claims that they do not. I have a credit card and car loan through XXXX XXXX, yet Equifax says I do not exist. I have sent in copies of my SS Card and driver 's license via mail and fax and they have no record of ever receiving these. Most recently I faxed records on XX/XX/20. 

On XX/XX/20 XXXX XXXX  reported that they only send information to XXXX. If XXXX XXXX  could send my information to Equifax, this would presumably solve the problem. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 XXXX XXXX XXXX  HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

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 2020-07-16
Company: Atlanticus Services Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In the month of XX/XX/2020 payments never show on billing Statement. I pay {$900.00} interests took all payment also.Never give correct balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-04
Company: Kubota North America Corporation
State: NY
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 recently purchased a co-op apartment in XXXX. When I looked over my final closing paperwork, I noticed a lien against my name from Kubota Credit Corporation with a file date off XX/XX/XXXX and a lapse date of XX/XX/XXXX. It appears that this company is out of Texas ( XXXX XXXX XXXX XXXX TX XXXX ) and finances lawn mowers and tractors. I have never financed any such items ( I live in XXXX! ) and have no need for any such items. I believe this lien is in error or fraudulent. I contacted the company and spoke with a XXXX in the finance department at XXXX ext XXXX on Monday, XXXX XXXX. Nobody from the company could identify what this was on their end. XXXX informed me that he would look into the matter and follow up via email. He did not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received a prepaid card for prepaid amount from Bank of America on behalf of XXXX XXXX XXXX XXXX. I called around XXXX or XXXX trying to use the card. Was not allowed to set up a PIN due to zip code mismatch. I talked for over an hour and was told zip was corrected. After the call, I tried to establish a PIN but was informed that zip code was again invalid. Called again and spent over 2 or 3 hours fixing the issue with at least 5 different people. Escalating this few times. Finally I was able to fix the zip code and to establish PIN that did not work. Over 4 hours spent, escalating this issue multiple times. I believe BOA is doing this intentionally to keep money or at minimum discourage owners of the prepaid card to go throughout 5 hours of phone calls. Time spent on this simply does not translate to any minimum hourly wage. Please issue check to my current address for full amount plus compensating me for time lost on this unprofessional service!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: HILLTOP HOLDINGS, INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The whole process took about four months total. A couple of days prior to closing, we were advised that they could not fund the mortgage. We were given conflicting reasons. The final documentation that we received months later showed a completely different reason than given initially. I have recorded calls, trxts and emails proving everything.

Company response to consumer: Closed with explanation