BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: SUN WEST MORTGAGE COMPANY, 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: Account status incorrect

Complaint:
I currently have a mortgage account with Sun West Mortgage ... A couple of years ago I was out of the country and had some problems with transferring funds and speaking with Sun West Mortgage to make my payment. My payments are due by the XXXX of the month and for whatever reason I paid this account either on the XXXX or the XXXX of the same month. I absolutely do not believe I was 30 days late on this payment, but Sun West continues to report this payment as 30 days late. I have been disputing this late payment with the credit bureaus but have not been able to get them to remove it. I have tried calling Sun West several times but they have not really helped me resolve this issue. This late payment is really causing some challenges on my credit score and I would really appreciate having this inaccuracy removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I've made a complaint on a withdrawal because of it the bank is closing all my accounts including my credit card account ... Because Ive reported a complaint I'm been disciplined for one of their employee 's stealing thousands of dollars from me.. its several deposits that aren't being computed properly dating back to 2020 upon opening my account

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 2021-01-20
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I asked for letters to verify debt multiple times, which I did not receive till just recently on the XXXX of XXXX. I have asked for several letters in the past and this is the first. The wording of the letter Indicates I have not made any payments, which is also false I have made many up to this point. Also when today, XX/XX/XXXX I was trying to call in to pay the full balance I owed, I left XXXX a voicemail with my name and number to call me back and waited 4 hours till I tried calling again and she picked up and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Wells Adv I received an email solicitation from Wells Fargo offering consumers {$400.00} for opening a new checking account online, based on which I did so, beginning the process online onand concluding it on XX/XX/20 at the branch per the direction of Wells Fargo. As advertised and represented by various Wells Fargo personnel on various occasions, the promotion required the account to receive credits by direct deposit transaction and becomes payable after the account has been open for 90-days. My account meets both conditions and I have yet to receive the {$400.00} credit. Moreover, when I inquire as to the credit, Wells Fargo responds by requiring me to verify my Tax Identification information, which was already done at time the account was opened when I provided them with my Social Security Card. 

Please note the account was initially opened as # XXXX and was transferred to # XXXX on XX/XX/20 due to an unrecognized debit on the initial account.

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 2023-03-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00}. XXXX XXXX XXXX XXXX Balance : {$2800.00} 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 2021-01-21
Company: EQUIFAX, 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:
Ive sent multiple letters/disputes to each company about these inaccurate, violations and reporting on my credit report Ive ask them to investigate and delete account misleading information on accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was extremely disappointed this morning when I checked my credit report and I saw that I have a bankruptcy showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public. I need these accounts removed

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 2023-01-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of XXXX I opened a store credit card with XXXX XXXX XXXX XXXX Credit Card. On XX/XX/XXXX, I set up a payment in the amount of {$150.00} to be made to the credit card through my bank 's bill pay system - XXXX XXXX Bank. 

When I received my next billing statement, it indicated that no payment had been received and they charged me a late fee. I confirmed with my bank that the payment was sent out and had my account number attached to it. I then sent messages through the Credit Card messaging portal but they just kept requesting a payment, they did however waive the late fee. I did make a payment through the portal at that time as I did not want a late payment being reflected on my account. XXXX finally sent me a letter through XXXX Bank on XX/XX/XXXX requesting that I telephone them to resolve my inquiry. I did telephone them on XX/XX/XXXX at XXXX, I spent XXXX minutes on the phone with a representative She took down all of my information and indicated she saw the notes in the computer from my prior messages and that they would get this resolved for me. 

On XX/XX/XXXX, after more than a month went by I began messaging them again and I would get generic responses of which I would respond pleading with someone to please read my messages and respond appropriately. They then requested that I call them and file a claim, I stated that i already did that. So again, on XX/XX/XXXX at XXXX I telephoned them and spent XXXX minutes on the phone. The representative told me something to the effect of - Don't worry this time you filed a claim. I told her yes and I have already done this once before! She was apologetic. 

On XX/XX/XXXX I received a letter assuring me they are looking into the matter. Still, I hear nothing so on XX/XX/XXXX I message them requesting an update. I am told I have already filed a claim and they are looking into it. Months later on XX/XX/XXXX i receive another letter from them requesting a lengthy list of information of which I've already provided!! 

I am done trying to chase this money with them and am hoping for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive sent multiple letters/disputes to each company about these inaccurate, violations and reporting on my credit report Ive ask them to investigate and delete account misleading information on accounts

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 2019-03-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
A checking account was opened at XXXX XXXX XXXX in XXXX Florida Ive never lived in Florida. My birthdate, phone number, and email used to open this account is incorrect. Someone stole my identity and opened this account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My card and phone had got stolen and the bill was only supposed to be XXXX $ and instead they are trying to charge me for transactions I did not even make. I have explained it to them already. Please refer to 15 USC 1681a ( 2 ) ( a ) ( i ) if you need any more information on this topic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I deposited a check to my account on XX/XX/2020, and I didn't know that my account was closed because I never received a notification before and that day I was able to log in a make a mobile deposit which it was accepted and it said that the money was going to be available within a week or so. That same time they called the owner of the check and she authorize it. After that I tried to log in to see if the money was ready but it didn't let me log in. I called the bank to see if they could help but they told me at the beginning that they had to investigate because and that they where to close my case once it was finish with the investigation. Later a few a days after I went in person to and the lady that helped me said that they thought it was a scam. Later days after I called in and they said that the case was closed and that the money was back in the check. A week a go I went to the bank where the check is from and they told me that they couldn't cash it out because the bank where i deposited has not return the money. That same day I called my bank and the lady didn't ask any info until I asked if I could speak to a supervisor which they told me that he was going to call me back and until this day I haven't received any call backs from them. It is really fracturing because that bank is not giving any solutions and all I received by mail was the few cents that was in that account and the letter that officially my account is closed but I just received it last week.

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 2019-04-27
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The credit provider is Synchrony Bank/Care Credit. 
They offer a variety of promotions. One is deferred interest if paid within a prescribed time. Another is a lower interest rate until it is paid off. 
If you do not pay off the deferred interest promotion within the prescribed time, they start charging a higher interest rate. Likely all legal. 
If you make a payment, say online, above and beyond the monthly minimum, they apply the over amount to the lowest interest rate portion of the account, rather than the highest interest rate, thereby maximizing their revenue. 
In fact, there is no way for you to automatically apply the extra payment to the highest interest part of your account other than calling them on the phone. 
If you make this payment on the phone and ask them to apply it to the higher interest portion of your account, I was told, today, that it could take 2-3 billing cycles to reflect on your account. 
While possibly legal, this certainly seems like a deceptive trade practice if this was covered under Section 5 of the FTC Act ( which it no longer is ). Under the CFPB regulations, this seems like a  UDAAP violation. Either way, the consumer, unless they are very perceptive and persistent, winds up on the short end of the deal.

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 2023-10-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since XX/XX/23 I have been trying to get access to my savings account. I have provided them with my ID to verify my account.. even time I call I'm being told to wait XXXX business days. This situation has caused a lot of emotions stress and also finicial burden because I can't access my money. Every week when I get paid XXXX XXXX  is automatically taken out and put into my savings account for bills, food, and gas I have not been able to pay my rent or bills because I can't get access to my savings. I've been having to bother other people to let me borrow money just to get by. This is very unprofessional for a bank not to give me information on my account.. I " am very XXXX  furious due to this situation..I have made more then XXXX calls to get this situation resolved I spoke with supervisor XXXX, XXXX XXXX XXXX XXXX I'm being told the same story over and over eveytime I call. I feel like my money is being held XXXX I also feel like I should be compasated for this I'm wasting time and accumulated late fees because of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: EQUIFAX, INC.
State: MO
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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on a loan with the XXXX/XXXX - partial account numberXXXX. This account reflects a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: OH
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:
Re-aging of a 20 year old account. I have included evidence of how this company re-aged this account making the account appear as newly neglected debt. I have been denied credit so many times and I have kept every denial letter because i will need it for damages. 

I want to bring it to your attention just what these reporting agencies are fraudulent doing to deceive unsuspecting innocent consumers. 

While in good faith working on my credit, something I was never taught before, But always told to get your credit report to check for any errors and dispute anything thats not accurately reporting. I did that. Of course I see things I know shouldnt be there and I attempt to dispute online. I learned quickly that was a waste of time. I then decided to dispute by mail and requesting the information be validated and verified with the original agreement, account or document with my signature to match what they are inaccurately reporting. Absolutely noone honored my request. However most of the accounts are still inaccurately being reported. Every time I dispute an issue XXXX, equifax and XXXX XXXX comes with results saying it's been verified or its been updated. During my re investigation from the monitoring site only a few things changed. So it appeared. it appeared an account or two were claimed to be removed. And a few accounts what they did was changed and altered a name or date or something small they dont expect to be noticed. However I would print as I go because I know not so honest people will change and continue to alter things and if not paying attention, it would be missed. I noticed most or all and I took notice that whats being reported on requested credit reports is only fixed so the consumer sees what they want you too see. While i applied for new credit, i couldnt understand why the reason I was denied was, too many accounts with balances, collections, charge offs and derogatory. I was really confused. Because none of my reports showed me this. What I did was I subscribed to many other monitoring programs and I noticed HIDDEN ACCOUNTS! that I couldnt see on the report supplied to me. I dont see how XXXX, Equifax and XXXX can do this to consumers! I will attach evidence during my next few cases that I have to open because these agencies arent resolving the issue and are violating the FCRA and my rights to fair reporting. If i have to seek legal action for this fraudulent activities I am ready with all my evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: BARCLAYS BANK DELAWARE
State: FL
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: Their investigation did not fix an error on your report

Complaint:
several years back we were informed that I XXXX XXXX had a credit card with Barclays at that time I notified Barclays and informed them this was not my account. They had informed me back then that they would close the account and look into it. While we were purchasing our home it came up as a charge off. I notified them again indicating that it is not my card. They were to send me paperwork to fill out and they didn't. to be honest it had totally slipped my mind. Here I am applying for a loan, and it is still on my credit report as a charge off however it is not my credit card.

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 2021-08-24
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:
remove : fcra violations : remove it XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$590.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$34000.00} Status Account charged off/Never late. {$34000.00} written off. {$34000.00} past due as of XX/XX/XXXX. 

not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Nicholas Financial 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:
I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. 

Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. 

These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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