BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In the end of XXXX, i was having some financial hardship due to the corona virus had been laid off from my job. I decided it was in my best interest to close my secured credit card account. I called them and canceled it. Was told the secured account would be applied to the account. At the time, my balance was {$290.00}. I had a {$300.00} security deposit in my savings that was on hold for the secured account. Usually gets applied within a week time frame. A month goes by, and noticed the security deposit is still in my savings account and has not yet been applied. I called them and was told it is in the process of getting closed out. Assured me that it will all balance out. Another month in a half goes by and heard nothing from them regarding this matter. I noticed the account dropped off my online profile. Called and was told it was now charged off and in collections!!! How can this be? The security deposit was suppose to be applied to my account by now. I would of had about {$9.00} coming back, instead, they put me in delinquency and had to pay them additional {$85.00} in fees, and reported me late twice on my credit report making me look delinquent! I am not the one in fault here, they are. They never once reached out to me and let me know what was going on with my account until months later while i was moving. This is unlawful! The security deposit would of covered the account balance! It does not take 60 days or more to close out an account and apply the security deposit to the account! I have had several XXXX XXXX XXXX  accounts, and has never taken this long to apply the security deposit! I have never been late till they made me late! Had a very good record with them! Never missed one payment! They did credit me back for 1 late fee, but it is not good enough. due to this, I now have my credit damaged because they did not properly credit my secured credit card account in a timely manner! I am planning to get an attorney involve that deals with creditors that involved wrong doings. I am also planning to leave a negative feedback online so i can share my experience of how terribly i was treated! For 7 years, I have to live with those 2 late payments on my credit report when i did everything right! This is a careless act, and will not be tolerated! They last my business after this! They are responsible for fixing this, and crediting me back for all the late fees. The stall tactics are unlawful in this case!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Dispute is towards HSBC Initial fee was for {$45.00} at XXXX XXXX XXXX XX/XX/2021 XXXX late fee was for {$25.00} on XXXX @ XXXX 2021 XXXX late fee was for {$37.00} on XX/XX/XXXX Payment made for both late fees and initial purchase on XX/XX/XXXX for {$100.00} When i attempted to pay my debt i set up a payment date so the money could come out of my account at a certain date but apparently something went wrong so my payment did not come out the date i thought i scheduled the payment for and i was unaware of this incident. I did not go back in to check if the money had come out of my account or not because im so use to it working i did not think twice about going back in and checking my account for conformation. I dont use my credit cards everysingle month i try to rotate them and use them all periodically. I emailed them a goodwill letter and got no response in a timely manner and im trying to have the 2 late payments removed so i can start up business credit and start my trucking company but these 2 very small late fees are hindering that process and i have no other derogatory marks on my entire credit file and i have even paid the fees in full and have still had no help from them whatso ever. I had a score of XXXX and the 2 late fees they added to my file dropped my score XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: The CBE 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: Was not notified of investigation status or results

Complaint:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the credit and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Bay Equity LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
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 applied for an FHA loan through a company called Bay Equity. I dealt with a very unethical salesperson/scammer, named XXXX XXXX XXXX This person sent me a loan estimate and verbally told me that if I go with him, I would get a 4.5 % rate for my FHA mortgage ( no admin costs ). Within 2 hours, he said that he could no longer give me that rate because my credit score came back below their 640 cutoff. I had just pulled credit with another lender within that same 30-day timeframe and my credit was XXXX. I asked that he send me proof of my credit score and he said " I didnt believe him '' and that he would no longer correspond with me because he sells 30 loans a month and doesnt need my business. He did not send me this info even after repeated attempts to get it. I called and filed a complaint and a rep from their legal counsel called me. She said she would have someone reach out that could get me the rate agreed to and my credit info. A sales supervisor called and told me XXXX did lie and that they showed my credit score to be above their 640 cuttoff. He said he would look into a solution and call me and never called me back. Now, the rates have increased, I lost the home I put an offer on and still dont have the credit info I asked for. Additionally, XXXX tried to trick me by emailing me and stating that he could possibly " trick '' his system into giving me a XXXX credit score so I would qualify but that I needed to pay additional admin fees to him. I have saved all email correspodences.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, consumer, have identified information in my consumer credit report that is a result of identity theft. This account is not related to any consumer credit transaction completed by me nor initiated by me. Please remove this account immediately. My written permission was not given to this company to report this information as true and accurate as I was not disclosed the true nature of such information is requested. As a consumer, I have the private right to privacy and as of now the privacy of my personal consumer financial information has been violated and disposed to everyone who has viewed a copy of my credit report. To date, XXXX XXXX  XXXX contains false, misleading, and deceptive information that have been sold leaving the consumer denied credit among other injuries. 

acct : XXXX Account XXXX account : XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: EQUIFAX, INC.
State: KY
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 sent several disputes in the past to have the account under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. The latest letter I sent to XXXX, XXXX and Equifax to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX, XXXX nor Equifax, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo held a deposited check ( {$3000.00}, from a reputable credit union ) for longer than allowed via Regulation CC. Efforts to resolve the situation with the bank were met with continued claims of " that account can not be found ''. The credit union account is valid and amply funded. Document of the credit union account was provided to Wells Fargo, but the amount is still being held. I firmly believe Wells Fargo holds deposited checks in order to generate fraudulent fees.

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 2022-11-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

For the following account : Acct name : XXXX  Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. 

I still have not received written confirmation of these actions.

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 2021-04-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter to EXPERIAN, XXXX  and XXXX  on XXXX, XXXX XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2021. I have not received report and EXPERIAN, XXXX and XXXX  are over the time frame required to submit a report to me. Please investigate and send me an updated 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 2022-02-12
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This is in response to previous complaint XXXX, against inability to open Ally bank account. The company has argued that they are using a different model, where the company model generated a score of XXXX, however check system score XXXX. They have denied my account, because of low score of XXXX. But there is a huge difference between the two scores and clearly one of the model is wrong or faulty. There is no negative information of my check system report and Ally bank score of XXXX is presumably flawed.

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: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Initial error is mine. Neighbor A asked me to pass money to Neighbor B using XXXX service. The effort failed. Neighboe A asks to XXXX me {$1500.00}. XXXX XXXX  publishes that they accept XXXX ( but that is not true ). I appove and recv {$1500.00} on XXXX and can not access it. I have a dormant Ally Bank account and send the money there. Problem is- we actually have two Ally accounts but one is forgotten entirely. 

I am now in control of the {$1500.00}. I go to XXXX and send the money to Neighbor B, funded by the forgotten Ally account. The available balance is XXXX, but Neighbor B recvs the {$1500.00}. It looks like this task is behind me. It is not. 

XXXX sent the {$1500.00} in violation the agreement between XXXX and me. Their incompetence and/or criminal negligence has no direct bearing here other than the fact that I now owe XXXX {$1500.00}. 

At this exact moment, I do not recall how the {$1500.00} debit in my wife 's account was created. It is part of this. The situation is- we also have a {$1500.00} debit to Ally. 

Somehow, the act of passing {$1500.00} from my right hand to my left hand cost me {$1500.00}. 

Ally Bank refuses to look at two accounts concurrently. Ally Bank does not provide a mechanism to help resolve this matter. Instead, Ally Bank is sending threatening letters to my wife. Ally Bank treats us like criminals on the phone. 

I know the whole " this call is recorded '' routine is just so much XXXX, but listen to the calls I made. I am begging Ally to assist and there is nothing in the cashier 's script that results in an actual thought process.

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 2018-03-20
Company: EQUIFAX, INC.
State: CA
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:
Equifax is improperly reporting credit history to lenders when making a loan inquiry. This has happened with two lenders showing a blank, or zero credit history. I spent a collective 4 hours on the phone with them while they denied the problem, and refused to help or investigate. I have a decade of loan history with 7 account all paid properly and need this rectified asap so I can complete my purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, 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:
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 rights 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
All Transactions From the Dates of XXXX XXXX XXXX when I was XXXX were submitted for dispute. The transactions were not authorized and were fraudulent. I reported a claim with my Bank Wells Fargo. I provided them with my hospital admission documents and they closed and denied my claim. My entire purse was stolen. I had to get a new Drivers License, new social security card, all my credit cards and along with my entire purse had to be replaced.

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: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX To Whom It May Concern : Starting XXXX of XXXX, I took advantage of the Covid Relief plan available through XXXX XXXX. During this time my payments were suspended with the understanding that the payments would be shifted to the end of the loan. In XXXX of XXXX, XXXX XXXX sent me a letter that stated I could modify my loan to 40 years instead of 30 years and that would bring my loan up to current. I took advantage of that offer and went to the XXXX and XXXX location of XXXX XXXX in XXXX, VA and signed appropriate documentation. On XX/XX/XXXX I was notified finally that Specialized Loan Servicing was taking over my loan from XXXX XXXX and my payments on my mortgage from XX/XX/XXXX to XX/XX/XXXX were being held while this problem was sorted out. I have reached out and spoken to a Loan Counselor, Mortgage Specialist and Lawyer about how to handle this situation. Finally, I was able to get through to Specialized Loan Servicing by phone on XX/XX/XXXX and the man on the phone reminded me that it was a recorded line and told me to download the Mortgage Modification Form and fill it out and send it back because the XXXX XXXX Modification had not transferred or been processed correctly. I would love to get this sorted out, I want to keep my house and I am able to make payments now as I have exhibited since the end of my forbearance with 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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX my score was dropped by XXXX points. I havent opened any new accounts, havent closed any, have never ever been late on any payments whatsoever. Contacted credit reporting agencies, they had no idea why.. ever since I signed up for XXXX XXXX with my XXXX a count, funky stuff keeps happening. They lowered my credit score by XXXX points out of nowhere just a few months ago. 
Not sure who is reporting wrong information. The previous drop was corrected, not sure where this XXXX point drop is coming from. XXXX XXXX is such a FRAUD

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 2021-04-22
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar dba as Mr Cooper is servicing the loan gotten from Ally then sold to XXXX and then to Nationstar dba Mr Cooper.

Mr Cooper did not register the loan purchase in with XXXX County NY Clerk, potentially causing of no records of payments. 

When the loan originated, its was agreed that there is a grace period to be paid without penalties. And after the grace period the penalty is {$31.00} Loan is past the grace period on the XXXX of each month. 

However if the loan its not paid by the 1st of each month Nationstar dba Mr Cooper begins to harass, from calls, to emails to letters, that they have not received the payment. Threatening to include additional charges. 

This is has been increasing, as never missed a payment, this harassment, annoyance and intimidation must cease.

Company response to consumer: Closed with explanation