BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: Experian Information Solutions 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2018, I contacted Loss Draft Department for PHH Mortgage.  I indicated that I had suffered severe damage to my residence and had a check from my insurance company made payable to myself and PHH Mortgage in the amount of $XXXX. I was told by the customer service representative that 1/2 of the amount would be sent back to me immediately and the remainder would be paid once the repairs were made.  I receive no calls until I called to find out the status of the check.  I was then told that I receive wrong information and no funds would be disbursed for repairs until I provided a signed contract, XXXX form and signed conditional waiver from the contractor.  These forms were provided to PHH on XX/XX/2018.  At this point, I have had several calls with PHH and they have indicated that they have not and will not disburse the funds to repair my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Bread Financial 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 information incorrect

Complaint:
Around XX/XX/XXXX we opened aa Credit Account with Community Capital to shop on Appliances Connection Web-Platform. We ordered some appliances which were delivered very late. 
XXXXXXXX XXXX  never sent us an actual card, never sent us any paper statements. The only way to find out were, when and how much do you need to pay is to find their phone number online. On XX/XX/XXXX, I was notified by my credit monitoring service that a negative report for late payment was reported to my account. Per records I the payment was late back in XX/XX/XXXX. I called the creditor and they told that my payment in XXXX was late. I told them the XXXX have being charging my account automatically. In XXXX the creditor charged my bank account automatically twice for XXXX $ each transaction, even when the minimum payment was XXXX XXXX Specifically, on XX/XX/XXXX and XX/XX/XXXX ( please see the statement attached from XX/XX/XXXX ) Then another charge of XXXX $ was processed on XX/XX/XXXX. 
In XXXX I checked my account I noticed that the creditor processed a refund dated XX/XX/XXXX I called the Creeditor and I was notified that their system charged my account twice so they issued a refund in form of a paper check. They asked for another card information, which I gave them and they have being processed payment automatically ever since from the same bank account. Me as a consumer I did everything that had to be done for my balance to be paid, when the creditor deliberately charges my account then issues refunds, stops charging my bank account and never notifies me of any payment issues and makes incorrect credit reporting 5 months after. The Creditor incorrectly reported a 30 days late payment for the month of XXXX which was never late. I filled a dispute with All XXXX credit reporting agencies twice already and Creditor still refuses to correct their mistakes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15
Company: TransferWise Ltd
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX XXXX EST I've issued a request to convert XXXX USD to XXXX XXXX XXXXnclusive of all fees via Wise. The rate expired due to a technical difficulty on the Wise side, they are holding my funds in their accounts refusing to respect our contract. I am calling for a deeper investigation not only to my case, but all other customers that may have been affected. 

Wise provides a guaranteed rate for a certain amount of time. I have received a confirmation email from my bank XXXX XXXX that the money transfer has been processed on XX/XX/XXXX XXXX AM, XXXX within the timeframe for the guaranteed rate. 

My membership number with Wise is : XXXX Additional factors : * XX/XX/XXXX was XXXX day, meaning no bank transfer could've been processed during this day. I have set up my transfer to Wise immediately after filing the request with them on XX/XX/XXXX. I also reached out proactively to Wise support on XX/XX/XXXX as soon as I heard it no transfers are being processed that day and was reassured by the agent. I also provided confirmation that I issued the transfer already. 
* On XXXX XXXX Wise announced XXXX their website that they are having technical difficulties with their systems causing delays in transfers issued via bank transfers. 
* On XX/XX/XXXX I called into the call center and Wise told me they are going to investigate but refused to release my money and respect their guaranteed rate without fault on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: EQUIFAX, INC.
State: UT
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:
On XXXX I discovered after a conversation with my ex-husband XXXX XXXX that the credit agencies deleted a past mortgage. I did not authorize this. At the time I had hired XXXX XXXX to do credit repair in XXXX. It was on there prior to hiring them. They, however, deny removing it. I wrote to all three agencies and they will not address the issue. 

I have provided plenty of evidence showing when account opened, closed, high balance and correct payoff. 

I am XXXX yo grandmother and it shows I only have had credit for four years! 

It is damaging my score due to lack of credit information. XXXX mortgage no longer exists so there is no way for me to contact them directly. 

Need this to report on my credit file. They report bad but don't want to report good when its old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I moved to XXXX  and need money transferred for my house closing. They refused without me visiting a branch. They have no branches in XXXX. They said I can write a check. I asked for a free check to do so. They said no. I asked how can I get my money out the bank. They said the only free way to do it is through bill pay. I initiated a bill pay to deposit in another bank. They took 10 days to send it and now the bank is holding it hostage. I will need a way to get the rest of the money out of my account. Why is it so hard to get my own money??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
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:
Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-10-05
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I received credit denial for an auto loan from this bank from a dealership. Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX XXXX claims still unpaid and unresolved. And XXXXXXXX XXXX  assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed XXXX, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX  XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of XXXX violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a XXXX or longer. I am owed roughly XXXX XXXX XXXX in unemployment money. I wound up homeless and lost my XXXX XXXX backed mortgage waiting on nothing to happen. And my XXXX sent the XXXX to my home to have me arrested and committed for a XXXX XXXX versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received XXXX of letters, emails, calls, etc., from me and NOBODY responded over a XXXX period. Which prompted a congressional XXXX complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this! 

I have XXXX years of job experience. Length of job portion of this was due to the COVID lockdowns and unavailable jobs. And delayed unemployment. And you can see the rest in the details above. I was XXXX from XX/XX/XXXX to XX/XX/XXXX and just reestablished myself XXXX months ago. Without any agency designed to assist help. They denied me too. You give it drug addicts, drunks, prostitutes, criminals, and people who steal from others. Not legitimate people who do what they are supposed to do that you hawk for something to get them on versus looking at yourself as the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
So I was renting an apartment from XXXX XXXX XXXX but seen that I couldnt afford it anymore. I move out XX/XX/XXXX XXXX the least it said I would get a free month rent so I didnt pay for XXXX and then when I move out I was contacted by the collections company saying I owe two months rent. and now its on my credit report hurting it bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: GA
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:
The credit bureaus stated my account was properly investigated but how is that possible if there is multiple inaccurate reporting such as payment status, worst delinquency, and last update. This is ground for removal the also violated my rights under The Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), which requires that credit reporting agencies provide accurate and complete information in credit reports.

The discrepancies in payment status and worst delinquency suggest that there may be errors in the reporting, and the lack of recent data on XXXX violates the requirement for current and complete information in credit reports. 

The inconsistencies in this account on the credit report include : The payment status is different across all three credit bureaus : Equifax reports " not more than two payments past due '', XXXX reports " 30 days past due '', and XXXX reports " no payment status available. '' The worst delinquency is also different across all three credit bureaus : Equifax reports " 60 days past due '', XXXX reports " 90 days past due '', and XXXX reports " no worst delinquency available. '' The last updated date is different for XXXX, which is last updated in XX/XX/XXXX, while Equifax and XXXX are updated more recently in XX/XX/XXXX and have no recent data respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am XXXX XXXX and my wife is XXXX XXXX XXXX XXXX XXXX. We got a loan from Santander Bank in XX/XX/XXXX to buy a new car XXXX XXXX and the interest rate is XXXX XXXX. We asked to decreased the interest rate the last month ( XX/XX/XXXX ) because we permanently have received offers from another banks the offer to us interests rate that are between XXXX and XXXX XXXX annual. Santander Bank never answered our claim and we are paying a high interest rate ( XXXX XXXX ), and we would like to get the interest rate offers other banks. For us do not have sense to pay higher interest rates knowing that the interest rates are below average of Santander Bank. Please do something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: MD
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Basically I signed up on for the BlueBird.com prepaid card by American Express, and thought I could use it. I never used it. I feel the card is useless to me and have properly disposed of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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:
On XX/XX/2023 and XX/XX/2023 I received 20 hard inquiries that I did not authorize. The companies below are reporting to my credit fraudulently. I was abroad during this timeframe and did not apply for auto loans. Please delete all inquiries from the companies listed with corresponding dates. 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 U.S. POSTAL SVC 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 U.S. POSTAL SC 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 U.S . POSTAL SC 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

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 2023-01-17
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my student loans and once my loans completely processed and posted on Mohela website I turned in my PSLF form as directed on XX/XX/2022. I then got notification from Mohela that my form had been processed. I go to look and noticed that nothing had been process as it had XXXX counts. I called Mohela on XX/XX/2022 of which the rep advised me for some reason the system overlooked my application and did not process it so she was resubmitting for processing again and it would take 90 days. I go to call for Status in mid XXXX to check status only to find that they still have not fully processed and that the temporary waiver had yet been applied I spoke with a supervisor after waiting on hold for 5 hours and she assured me that my account would be resolved by XX/XX/2022. I then go to check status on my online account with Mohela only to see that they had marked my form as duplicate even though they never fully processed the original one that was filed. I called again to Mohela and spoke with a rep who looked up my account and stated that it has not got processed and she has never seen this before. The temporary waiver nor have the regular pslf been fully applied. She advised that she will resubmit again for processing but also advised me to do a reconsideration request as this keep; happening. I am frusterated, depressed by this, no out come no resolve, I have tried all the normal procedures on reaching out to Mohela and nobody is working to resolve my issue and properly apply the temporary waiver for the pslf form. They have none of my regular forbearance, Covid Payments forbearance and all my payments when I was in repayment. I also contacted them on messages in the portal XX/XX/2022 and they sent a blank response 3 months later, please please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
during the pandemic, i fell behind on several car payments but eventually i paid them. this was due to a reduction in hours plus my wife losing her job so i had to compensate for other expenses that my wife used to cover before unemployment. i understand there were programs that benefit and protect people against late payment remarks on their credit score however i was never offered any, i even paid off the car loan in full way before the estimated 6 year financed loan and they denied me goodwill letters several times nor were they willing to correct a few lat payments with me paying off the full balance ahead of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Conduent Incorporated
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Way2go XX/XX/2023. Money deposited on the XXXX and has been difficult to use. Customer service is 100 % automated and wont help. Even the alerts dont work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: CBC Companies, 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:
Dear Consumer Financial Protection Bureau, I am writing to dispute several hard inquiries on my credit report. According to my credit report, there have been several hard inquiries made by various lenders over the past few months that have negatively impacted my credit score. 

I understand that lenders have the right to request my credit report as part of their lending process, but I believe that these inquiries were made without my consent or authorization. I have not applied for any credit or loans during this time period and have no knowledge of any lenders or financial institutions conducting a credit check on me. 

As you are aware, hard inquiries can stay on a credit report for up to two years and can have a negative impact on my credit score, which can affect my ability to obtain credit in the future. Therefore, I am requesting that these hard inquiries be removed from my credit report immediately. 

I have already contacted the credit reporting agencies and disputed these inquiries, but I have not received a satisfactory response. I am hoping that your organization can assist me in resolving this matter as soon as possible. 

My credit report clearly shows the unauthorized hard inquiries. Please let me know if you require any further information or documentation from me to resolve this matter. 

Thank you for your assistance in this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation