BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: TX
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:
There is 2 debts being reported to all 3 credit bureaus from XXXX XXXX. I have disputed these charges. There are 3 accounts and I only had one account with XXXX XXXX, which was paid on time and paid off in full. The other 2 says charge-off, delinquent. I have disputed these charges. This was fraud/identity theft. I contacted XXXX XXXX about this and they refuse to show me where I signed for these other 2 loans. It keeps being on my credit report as being accurate. The amount showing is {$750.00} past due as if XX/XX/2020. I contacted World Finance again and spoke to XXXX on XX/XX/2020 and she informed me that if I pay {$200.00} that XXXX XXXX would remove this debt from credit, although this is not my debt, so I sent XXXX XXXX a check for {$200.00}. I informed the credit bureaus of this and sent the credit bureaus the letter, and the cleared check for {$200.00} that I sent XXXX XXXX. It still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have contacted XXXX XXXX in XXXX to get a full day touring service, since my family and I were going to be in XXXX on XX/XX/2022 during XXXX cruise. I asked for a day transportation and services for XXXX guests in my group. Itinerary was drafted, i agreed to it and paid in advance for the day of service with my Wells Fargo Visa card, when we got there 50 % of the promised service wasn't provided, they charged me for entrance tickets and headphone for places we never got to, we were told they were closed. the entire trip was ruined, cause we all paid to spend a day in XXXX with all the good places that we wont be able to return and repeat. i came back asked the agent i was in touch with to credit me with the amount i was charged to places and items used that we never got the service for. he declined and stated i hope next time it's better service. i filed a dispute with WF waited for 6 month then came back with a decisions that they can't credit me the amount of XXXX. I contacted WF dispute dept again and again and again, spoke to so many people got the run around with no help at all.

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 2018-04-06
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage LLC d/b/a Mr. Cooper has been misapplying payments and reversing them and then reapplying them but causing a higher interest charge than when they were initially scheduled to be applied. 

On XX/XX/XXXX I made a payment for {$2000.00}, {$1100.00} for my normal monthly payment and {$900.00} for an additional principal only payment. The payments were both reversed and then reapplied. Then the {$900.00} principal only payment was reversed again and then applied to escrow. 

I then made a {$1500.00} payment on XX/XX/XXXX, {$1100.00} was for my monthly payment with an additional {$400.00} as a principal only payment. The monthly payment was applied XX/XX/XXXX as XXXX to principal, {$520.00} as interest and {$330.00} to escrow. The principal payment of {$400.00} was also applied. Then on the same day both the monthly payment and principal payment were reversed. They were both then reapplied. However, this time the monthly payment was applied with {$260.00} going to principal, {$520.00} going to interest and {$330.00} going to escrow. 

By them removing and reapplying the payment it lowered the amount I was paying down on my principal and increased their interest earning by {$2.00}, which will be even more over the life of my loan due to the higher balance after this payment. 

Then, on XX/XX/XXXX I made a payment of {$1700.00}, {$1100.00} to my monthly payment and {$570.00} to principal only. This time the monthly payment was applied with {$270.00} going to principal, {$520.00} going to interest and {$330.00} going to escrow. The {$570.00} payment was applied to principal only. Then again, on the same day these payments were applied, XXXX, they were reversed and then reapplied. This time the monthly payment was applied with {$270.00} going to principal, {$520.00} going to interest and {$330.00} going to escrow. 

This time the principal and interest difference was {$2.00}, in addition to the added interest I will be charged over the life of the loan. 

The next time I made a payment was on XX/XX/XXXX, I made a total payment of {$1900.00}, with {$1100.00} for the monthly payment and the remaining {$820.00} going to principal only. This time they applied the entire payment of {$1900.00} to my principal only. I then had to call them and have it corrected. But instead of applying it as I had scheduled it they applied it all to escrow. After contacting them yet another time they reversed the payments from escrow and applied the XXXX payment as {$270.00} to principal, {$520.00} to interest and {$330.00} to escrow. Which I have no doubt caused less to go to principal than it would have if applied correctly the first time. 

I have no doubt that this is an abusive practice to cause those that are attempting to payoff their mortgage early to pay more interest and have their loan open longer than planned to with the added payments and early payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2022-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off XXXX accounts ending in Account Number **** XXXX Account Number **** XXXX Portfolio Recovery is refusing to remove them from my credit report or update the balances from my XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: DISCOVER BANK
State: KS
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 wrote a letter to the discover corporation informing them that I would like them to cease and desist the reporting of my non public private information to the credit reporting agencies. On XX/XX/ I recieved a response stating that they are REQUIRED to report my private information to the ( CRA 's ). There is no such law stating that ANYTHING has to be reported to any ( CRA ) in fact 15 usc 1681a s ( 2 ) ( i ) states in the construction of a consumer report excluded should be '' information solely as to transactions or experiences between the consumer and the person making the report ; ''. Furthermore according to case law FTCvsXXXX its determined that ( CRA 's ) are so intertwined with the banking system that they are considered financial institutions and governed by the gram leach bliley act under this act for two financial institutions to share information they are to provide me a privacy notice and an option to opt out of the sharing of that information. upon calling the number to speak with a " knowledgeable account manager XXXX from Delaware '' she informed me that there was no such option to opt out and that company policy requires the policy and the only way I could speak to the legal department was if I was a lawyer my self. this company is both liable for willful and negligent noncompliance. 

" 15 U.S. Code 6802 B optout ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX to Cooper in XX/XX/2017. I have always been paying XXXX  well in advance. So when I made a payment on XX/XX/XXXXto XXXX, they applied my payment for XX/XX/XXXX month. I was away in XXXX during that time, and my payment was going directly from my Bank to XXXX. When XXXX transferred the loan to Cooper in XX/XX/XXXX. My XX/XX/XXXX and XX/XX/XXXX payments were sent to XXXX and, XXXX in turn transferred it to Cooper. XXXX  has confirmed it and has sent the evidence which I have forwarded to Cooper. But Cooper says they received only one payment from XXXX, and Cooper has been charging me with fees and also took additional payment from me. I have been in contact with a bunch of Cooper representatives and it supervisors, since XX/XX/XXXXon both phone and email exchanges, but of no use. I literally spend more thnn an hour talking to these guys, and they keep asking telling me it is being researched. Iam very frustrated and fed up and Iam finding it difficult to sleep because of this nagging issue going on for the last three months. I would highly appreciate if you could help me and resolve this issue quickly. I have all the documents and proof needed from XXXX regarding the payments.

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2020, I made a TransUnion Account thinking that it was a free credit report. As it turned out, I found it wasn't free and it was false advertising to say that it was free, but instead a subscription service after my account was created. I was charged XXXX not knowing that. I have canceled my subscription, but I currently don't trust them in refunding the initial cost due to this occurrence alone.

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 2023-07-02
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT CONTROL CORP failed to validate debt and prove a contractual agreement. Several rights were violated. Company 's Response was as follows CCC serves as an agent for the original creditors who own the debts assigned to us for collection. We do not purchase debt and are not subject to debt validation requirements for debt buyers. The debt is not mine. 

I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: AZ
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 received my detailed credit report XX/XX/2023 and notice there were hard inquiries that do not have permissible purpose being on my credit report. These inquiries are hurting me as a consumer. I contacted Experian, XXXX, XXXX to remove the inquiries on my credit report, after multiple attempt to informed Experian that the inquiries were not approved by me, and I had no knowledge of applying/approving hard inquiry, Experian, XXXX, XXXX still refuses to remove the hard inquiries. Experian has violated my rights under 15 USC 1681b. I am requesting Experian to remove the inquiries ASAP.

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 2023-11-20
Company: SANTANDER HOLDINGS USA, INC.
State: RI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I Have been a customer with Santander Bank since XXXX, on XX/XX/XXXX, I received a letter that they closed my account, so I went to the bank. The manager there explained that he would not know the reason why they terminated the relationship, only the back office would know. I have 4 accounts, 2 private, 1 regular checking and one savings. On XX/XX/XXXX the manager explained that since the accounts were closed I should be getting the funds within 7 to 14 business days. The 2 private accounts have a total of {$160000.00} the other accounts total about {$3900.00}. I called the 1800 a few times to no avail. I visited different branches of the bank over 4 times to no avail either. 
one of the managers at one of the branches claimed that santander had mailed two checks ( no amounts were disclosed ) but were returned because it was the wrong address. ( I lived in the same address since XXXX, How do I continue to receive letters from santander at the same address they claimed they sent the checks? ) On XX/XX/XXXX I called and spoke with one of the managers of another branch, who suggested for me to write a letter to their corporate office explaining to them that it has been 30 days and I still haven't received the funds. I refused to write a letter is just going to be a waste of time!! 
I really need help getting my money back. It's been 33 days and nothing has been done. 
Please help me recoup my money. 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 2019-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
On XXXX I recieved a letter from Bank of America stating that I had a returned payment or check in the amount of {$50.00} and they charged me {$50.00} for a returned check fee.. I immediately checked my checking account and there was Thousands in that account and I have overdraft protection as well. I called XXXX XXXX XXXX and wanted to know why this wasn't processed and they said they had no such charge or returned check in my account ever. I called Bank of American and was put on hold for over 40 minutes the first round and finally spoke with someone and they said I had to pay the {$50.00} returned check fee because the payment wasn't processed. She then proceeded to tell me my account wasn't past due because I make a {$120.00} payment the day before that went thru fine. I tried to explain that I didn't make any additional {$50.00} payment and this charge was never made from my bank and they confirmed that. She said she had to transfer me to a different department for them o investigate. I waited another 24 minutes to speak to someone else and he said he couldn't help because he was in the wrong department. He proceeded to transfer me to someone else and after waiting 41 minutes I gave up and decided to file a formal complain. Bank of American clearly doesn't value their customers time and is involved in some kind of scam to collect fee 's from customers on accounts that aren't even past due. My bank confirmed they didn't have any cancelled or unpaid payment to any of my creditors. I've spend hours on the phone and couldn't get ahold of anyone who cared enough to figure out how this happened.

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 2022-03-07
Company: Experian Information Solutions Inc.
State: GA
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:
Dear CFPB In addition to my recent complaint with Experian I have closely reviewed my credit reports and see the same account number reporting inaccurate. The account XXXX XXXX XXXX shows that my account is closed and paid satisfactorily and was opened on XX/XX/XXXX with the same account number listed on my report with a four year gap beginning XX/XX/XXXX reporting as a charge off with a new open date of XX/XX/XXXX for he same loan. They also skipped from 30 to 90 days vs 30, 60, 90 for the charge off, again inaccurate reporting information. 

They have failed to respond to my request and ignored my previous complaint to you. 

XXXX XXXX vs Experian they must report accurate information and they are clearly not. 

I please ask that you send this dispute. 

under 1681e ( b ) maximum possible accuracy and section 1681i which is a lousy investigation.

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 2023-10-10
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I tried to transfer money to myself for {$2500.00} via XXXX. Transaction was blocked due to same information on both sides. Upon calling back Td, agent advised to cancel transaction and then redo the transfer through account transfers. As per their advise, I cancelled the transaction with XXXX and went through account verification for account to account transfer. Once completed, when I tried to do the transfer, it was blocking the transaction. Upon calling Td, they said my transfers are blocked and I need to go to a Td branch to verify myself. I am in XXXX, Texas and there is no Td branch around me. I have called TD several times and spoke to their IT team and also managers. No one is willing to help. Please advise how I can resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Aldous & Associates, PLLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive tried canceling with XXXX XXXX since XX/XX/2021. Ive tried online on the website. Tried calling and emailing them as well. They have made it extremely difficult to cancel a simple membership. Its almost impossible to cancel. I still do not know how the cancellation process works since I tried the XXXX methods ( website, calling, emailing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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 contacting you today because I am a victim of Identity theft, my life is in a place where I never thought it would be. Recently I did not know about how to handle this fraudulent account with XXXX that someone frauded me out of for {$5000.00} with that company. The company then sold it to another company as a collection and they've been harassing me and my family, coming to my home and calling me nonstop. Now I contacted the original creditor and they fraudulently sold the debt without telling me or contacting me to let them know that the account was fraudulent or going to be sold. Now as a consumer with your company im suppose to be protected from all fraud that takes place. I am not asking, you must abide by the law and this account has to come off. According to the FCRA all fraudulent accounts must be removed within 4 days or you are in violation of the law. Ive read up on multiple sites that you guys try to go around the rule and verify that the debt is inaccurate, but all my information was stolen so ofcourse they will try to verify because they think its me. This is not my debt but I am suffering for it do not let XXXX XXXX lie to you and say that its me. Do not let the criminals get away with putting this debt on my name. I want justice for me and my family. Im attaching my FTC report, state id, Identity theft affidavit, and proof of my address.

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 2023-05-06
Company: National Credit Systems,Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This inaccurate information continues to reappear on my credit report. This is an old account from 2016. I Do NOT owe this debt. I disputed the validity of this years ago. It was removed, and it reappeared with another more current date. I complained multiple times regarding this. The company keeps falsifying dates & records. 
The Creditor is NATIONAL CREDIT SYSTEMS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: GA
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:
Experian maintains that a collections account with XXXX XXXX XXXX XXXX was verified as accurate. I demand to know the method of verification used to verify this account pursuant to fcra 611.

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