BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I spoke with XXXX at Experian Legal Department today. He stated he will dispute an address which is removed XXXX XXXX XXXXXXXX XXXX XXXXXXXX WA XXXX. 

I have not supplied proof under the doctrine of estopper by silence, Engelhart v. Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/22, there is an unauthorized inquiry from XXXX XXXX on my Tran Union credit report. Trans Union illegally and negligenntly simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/XXXX my money market account was closed based on. Escheatment. I regularly use the card and account. When going in the Truist bank they were unable to help and directed me to XXXX number. They stated this process is done with inactive accounts but they could see this account is regularly used and based on Alabama law escheatment happens after an account is dominant for 3 years. This is not my situation. This is obviously an error and the bank should have fixed immediately. The bank is saying this is a third party product and they can't help. There was several thousand dollars in this 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 2019-06-13
Company: Charleston Area Medical Center
State: WV
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 checked my credit report today and a company, Healthcare Financial Services, has reported to the credit bureaus that I have an outstanding balance on a medical debt in the amount of {$1500.00}, which was reported on XX/XX/2018. 

I remember paying this debt and checked my credit card statement, which reflects payment was made on XX/XX/2018 in the amount of {$1500.00}. 

I contacted Healthcare Financial Services and just reach their voicemail. They have not responded to my inquiries. 

Contact information for Healthcare Financial Services is as follows : Healthcare Financial Services XXXX XXXX XXXX XXXX. 
XXXX, WV XXXX XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my XXXX on XX/XX/23. I requested a payoff statement from 5/3 bank through XX/XX/23, but it closed on the XXXX. That meant that 4 days of interest were due to be refunded to me. 

5/3 Bank did refund the appropriate amount of escrow, but missed refunding {$110.00}. 

I caught the error on XXXXXXXX when logging into the portal. I called customer service and the woman escalated to a manager. They agreed I was correct, filed a claim, and said the appropriate amount would be refunded. When the check arrived, it was for escrow only. 

I called again on XX/XX/23 at XXXX and spoke with XXXX XXXX XXXX indicated that there was no record of my prior call, that I " must have spoken with another department '' and that he agreed with my analysis but would need to open up a case. He would not give me a case number and said I needed to wait 7 business days for a call back. 

The interest paid was for 17 days at {$500.00}. The interest per day was then {$29.00}, and if the loan closed on the XXXX, then I should have paid {$380.00} in interest. Therefore there is a refund due of {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was assigned a " Home Preservation Specialist '' by Wellsfargo. During our initial meeting, I mentioned I had been sent a letter from Wells Fargo about being automatically given the option to take the FHA standalone partial claim option, which takes the missed portion and lumps it at the end interest-free, so you aren't paying interest on that extra amount that was missed which helps save a LOT of interest over the life of the loan. 
I was curious to see what the loan modification option was and how low the payments would be, but she said in order to see the loan modification, I had to turn down the standalone partial claim option, The thing she failed to mention was that apparently you all have a rule that once you turn down an option you can't go back to said option, which was not communicated by your associate or mentioned anywhere in the documentation provided. 

And trust me. 

I've saved it all. 

The Mortgage Counselor then called a few weeks later with an update about the loan modification, that they were almost done but she had the initial numbers for me and listed them off. I wasn't really impressed with the new numbers so asked to just take the standalone partial claim offer and THAT is when she decided finally tell me " Oh ... ... .you already turned that down, you can't go back to that option now. Once you turn it down it's gone. '' That's not in writing ANYWHERE ON THE INTERNET that I can find about not being able to go back with that option, and I figure this is Wells Fargo putting in place a rule because the loan modifications are in their favor and the partial claims are not. 
I have a 30 year fixed FHA loan, XXXX at 4.5 %, They offered me to lump all the missed payments into the loan so like XXXX at 3.875 % over 40 years, which tacks on about XXXX worth of interest over the life of the mortgage. 
This is just a way to milk way more interest from consumers knowing statistically most consumers only pay the minimum. Luckily, I do not, but yea, I want the FHA partial claim offer I was originally offered and legally you can NOT offer it to me because your associate forgot to do part of her job and inform me that once turned down you can't go back. which ... .again ... .is a rule you all made up. 

My loan number is XXXX, My Housing preservation specialist 's name is XXXX XXXX. I've filed a complaint with the FHA as well and will be approaching media outlets with the story within the next few weeks to start finding others who've been harmed by this rule.

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 2023-10-15
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Every month the balances goes up by a small dollar amount which lowers my credit score! it is fraudulent and should be deleted from my account for fraudulent activity. Maliciously and harmfully raising a past due collection amount to continue to inflict personal harm against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied online for a credit card with Capital One last XX/XX/XXXX and they denied the application but said they would send me a letter detailing the reasons why in a letter that I would receive within 7 to 10 days. I got the letter dated XX/XX/2019 and it said that there was incomplete information in the XXXX credit report. I looked up the XXXX   credit report online and noticed it has some erroneous information about some old accounts. I contacted XXXX and they corrected that information in less than a week. I then wrote back to Capital One to address on the denial letter dated XX/XX/2019 but I never heard anything further from them. I will attach the denial letter to this complaint. 

I had thought nothing more of this until today. Today I applied again for a Capital One credit card and was refused online and they told me that I would be getting a letter in 7 to 10 days telling me why my application was refused. I said to myself " I have been down this road before '' so I called Capital One directly. The person I got on the phone said that the application department at Capital One was closed now. I told her that I would be agreeable to calling back later but then she added that the application department was closed until further notice. I asked her how it was I was going to know when I should call back and she said that I should just try calling in every so many days to see if they are open yet. I hold her blameless. Nothing on the Capital One web site would give you any idea that the Capital One credit card application department is closed until further notice. So I have no reason to believe the resolution to this denial of the credit card application will be any different than the one I made in XX/XX/2019. 

It seems to me that Capital One is denying credit card applications for reasons that they are not willing disclose to the person being denied. I just want a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: AIH Receivables Management Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Theyve been calling nonstop but havent identified themselves to me nor have they sent a validation letter of the debt I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: NJ
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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a Comenity Master card. I originally applied to Wayfair and the company change the Wayfair card to a Master card a few months later. As of the 2021 I am charged 2 interest rates one for the Wayfair purchases and one for the Comenity purchase I did not receive any notification of the double interest. This doesnt seem legal, per the customer service rep the payments are split in half.. I asked if I could receive a separate bill for the 2 charges I would like to pay the Wayfair charge off ASAP I was told I can only make additional payments..on my last statement XX/XX/2021 my interest was {$89.00} my balance is XXXX Again this doesnt seem legal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: MT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 a letter was received from Wells Fargo stating that they had closed our savings account. This was not requested by us as the consumer but rather taken upon their own accord. Reason for closing was prolonged overdrawn status and they state we owe {$53.00}. This amount is the result of fees that were charged on wire transfers that were fraudulent. Wells Fargo was notified within minutes of the first transfer request of the fraud yet still let it and a second transfer go through. AND they charged us fees. Fees which I was told not to worry about. No our account has been closed without our {$25000.00} being returned to us and on top of it they are asking us to pay them {$53.00}.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
There is a self employed 1099 on my credit reports but that is incorrect information.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2022, I opened an Accelerate Savings Account with Citi. I was responding to an offer to receive a {$300.00} promotional bonus if {$30000.00} was deposited within 20 days of opening the account and then maintained in the account for an additional 60 days. The bonus also required I have a CITI credit card that was in good standing. All conditions were met and Citi is refusing to pay the bonus. They first stated the account was not opened until Monday the XXXX of XXXX. I have a printout of the account number they assigned showing XX/XX/2022, a Sunday. After I discussed that with a customer service representative, they opened a case. The letter I received closing the case stated my account was a basic Money Market account and did not qualify because it was not an Accelerate Savings account. All of my statements from them reflect this account as an Accelerate Savings. I have received similar promotions from other banks and they deposit the bonus as soon as the requirements are met. Citi has now been withholding the bonus and therefore I also have not earned interest on that {$300.00} because they are not upholding their terms of the agreement.

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 2023-02-06
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I switched to Mr. Cooper for our mortgage a few years ago- I believe everything was finalized XX/XX/XXXX. We received a certified letter from XXXX XXXX XXXX XX/XX/XXXX stating that our city and county taxes were not paid for XXXX. When I reached out to Mr. Cooper XX/XX/XXXX to find out why the XXXX taxes werent paid out of our escrow by the due date at the end of XX/XX/XXXX, I was told it was an error on their part and that the taxes would be paid out of our escrow, with all penalties and interest paid by Mr. Cooper, within 5-7 business days. When the delinquent taxes still were not paid 2 weeks later, I again reached out to Mr. Cooper. I was told at that time that they were waiting on XXXX XXXX to verify how much they owed. I live in XXXX XXXX, and I asked them to pay XXXX XXXX XXXX. I corrected them, and I was told they would ensure the tax cert was sent to XXXX XXXX XXXX. These delinquent taxes still were not paid several days later, so I reached out to XXXX XXXX XXXX  directly, who stated they never received any communication from my mortgage company. When I called Mr. Cooper back to ask for clarification on this, I was told Pennsylvania  had a blackout period and the taxes were unable to be paid until XXXX or later. I explained that it was now XX/XX/XXXX, and I was then told I just needed to give it more time and that there was no set time that the blackout period would be over. I requested they conference call in XXXX XXXX XXXX to explain why the taxes would not be paid within XXXX  days of notification as stated in the certified letter, at which time XXXX XXXX XXXX stated that there was no blackout period. The escalation manager reportedly sent a message to Mr. Coopers tax department ( he stated they were XXXX ) stating that and was told they were researching this. I spoke to someone else at Mr. Cooper later in the afternoon XX/XX/XXXX, who stated that, if I sent a copy of the certified letter from XXXX XXXX XXXX to them, my taxes would be paid that evening. I sent an email to Mr. Cooper with those documents attached that very evening, and, upon calling today XX/XX/XXXX, the taxes still have not been paid. I was again told by the escalation manager at Mr. Cooper that I needed to give it more time. Despite that I have repeatedly stressed over hours on the phone over the past several weeks my fear of being taken to court and/or having my house foreclosed on for not paying these taxes, they still have not been paid out of my escrow. Im not even sure what Im waiting for for them to be paid as I already sent over the documents detailing everything they needed. I cant get an answer from Mr. Cooper either, as they state that their tax department ( XXXX  ) doesnt do customer service and can only respond via email ( which I sent an email to them over 3 weeks ago and never received a response ) or chat with a Mr. Cooper representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, 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:
XX/XX/23 I submitted a XXXX  written request notifying XXXX  that these accounts need to be removed since they have not been verified by experian. I Have not received any written documentation from XXXX  verifying any of these accounts. I contacted these creditors and I was notified that they did not send in any documentation verifying any of my personal information for these account. XXXX has settled on a recent lawsuit for there lack of investigation with consumer reporting. I believe I am a victim to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Johnson Mark LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
my bank account was seized, i just turned XXXX XXXX XXXX on XXXX XX/XX/XXXX, i called the company XXXXXXXX XXXX today ( sat XXXX XX/XX/XXXX ) they said that i have to call on Monday again i went to XXXX and i have a lot of collections on my credit report, the credit report says that i was born on XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
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:
This company continues to enter data provided by XXXX XXXX XXXX after I asked then not to because the US bankruptcy court does not provide information directly to any credit reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
The foreclosure auction was cancelled until further notice. I received statements from the mortgage company stated I can submit a hardship application So I submitted a hardship application on XX/XX/2021 through the mortgage company loss mitigation email address for process but I have not received a response. I've called the Fifth Third bank mortgage company foreclosure / loss mitigation representative three times and no response about my application. I resubmit a second application and no response.

Company response to consumer: Closed with explanation