BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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:
I am writing to file a complaint regarding inconsistencies, inaccuracies, missing information, and credit bureaus not performing proper investigations on several accounts on my credit report. I have attached a copy of each account and screenshot of my credit report Upon reviewing my credit report, I have found several errors that are negatively impacting my credit score and financial well-being. Specifically, I have identified the following issues : Inaccurate information : Some of the information on my credit report is inaccurate, such as incorrect account balances, dates of delinquency, and payment history. 

Missing information : Some accounts that I have closed or paid off are not listed on my credit report, which is preventing me from demonstrating my creditworthiness. 

Inconsistencies : There are inconsistencies in the way my personal information is presented across different credit bureaus, which is causing confusion and potential identity theft risks. 

Improper investigations : Despite disputing some of the errors on my credit report previously, the credit bureaus did not perform proper investigations and have failed to correct the inaccuracies. They have violated several FCRA laws and they were not fair in their investigation and reporting. 

These errors are impacting my ability to obtain credit and are potentially causing harm to my financial reputation. I have attempted to resolve these issues by contacting the credit bureaus directly, but I have not received satisfactory responses. 

I am requesting that the CFPB investigate these issues and take appropriate action to ensure that the credit bureaus are held accountable for their 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 2023-08-31
Company: SANTANDER HOLDINGS USA, INC.
State: CT
Product: Credit 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 was victimized by an XXXX scammer for {$960.00} in XXXX Seller used the familiar " send a dummy blank envelope '' to the same zip code as the buyer, and provide XXXX XXXX confirmation which ONLY shows delivery in a certain zip code, no actual proof of delivery, no signature. Reported fraud to SANTANDER, filed chargeback as " merchandise not received ''. Received letter days later claiming " no evidence of unauthorized transaction, matter closed ''. Clearly agent filed it wrong. Called again, spoke with supervisor who assured me they would review the initial phone call and fix. Despite being assured by agent a call back would ONLY occur after XXXX, " XXXX XXXX leaves a voicemail at XXXX AM this morning, with the lie that " the agent filed it properly '', and the " merchant proved the merchandise was delivered '' ( more horse manure ). Having previously been through this same process with XXXX, I know the next step is filing a signed paper stating NO MERCHANDISE has been received, at which time the merchant does not respond, and the money is returned. SANTANDER seems to be an absolutely shady bank which does not have the backs of it's clients.

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 2022-12-01
Company: Experian Information Solutions Inc.
State: AL
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 sent a letter requesting that you reinvestigate the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXX  XXXX XXXX Balance : {$0.00}.

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 2023-08-31
Company: ZIONS BANCORPORATION
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:
I was advised by a Amegy Bank Customer Service Agent on XXXX 2023 that there was no time limit on Business Accounts to file a dispute, ** ( Business Account Ending in XXXX ) filed a dispute on XX/XX/2023 on 2 amounts from the same merchant one for {$4800.00} and one for {$3900.00} on XX/XX/2023 I emailed all documents concerning the transactions including a receipt showing that I paid the {$4800.00} transaction by other means which should not have been billed to my card, I was granted a temporary credit on the {$3900.00} amount and was informed that the {$4800.00} was denied by XXXX  due to the time limit of 120 days had expired to file a dispute, informed the bank that I filed the dispute past the time limit because the agent informed me on XX/XX/2023 that business accounts had no time limit to file disputes, bank 's the bank is saying that they can see the call I placed and the notes put hey are unable to access the actual recorded conversation with the agent any longer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Respectable Consumer Financial Protection Bureau, a capitol credit card was opened up on XXXXSince the card was used towards a promotion of a vacation while being opened up through the Bass Pro Shops no minimum payment was given, no date of first payment was given, no texts, no email and nothing sent to the address of mine at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. No one followed up from customer service. After a few weeks I myself called to inquire about the date of payment and minimum. By that time I was told that a {$27.00} dollar late fee has been generated. Also I was told that my monthly minimum was also {$27.00} dollars. I assumed that this was not a hidden agenda of purposefully generating a late fee of {$27.00} which would be more profitable than charging percentage of the credit card. It was revealed today that every time I made a payment of {$27.00} I have been charged {$27.00} as a late fee penalty for the previous month and that was done without any Capitol professional sharing it voluntarily unless directly asked by me, as I did today. By now as of today 's inquiry and complaint by me to speak with a supervisor 3 late fees have been assessed without my knowledge and have been refused by the supervisor to be with withdrawn. Also last payment of XXXX was suppose to be scheduled to be automatically withdrawn on time from my debit card but Capital one did the opposite and failed to charge the payment allowing the account purposefully to go late again generating once again this profitable {$27.00} dollar fee. After some investigating on my end to my surprise I have seen many complaints of capital one clients claiming similar circumstances. As I called Florida Attorney General It came to my attention that many complaints are made to the Attorney General with similar claims as well. I hope for a resolution with with the respectable " CFPB '' as I hope that it will not be necessary to litigate on this unethical issue. I would like my late fees to be withdrawn and my payment date of a minimum monthly amount to be set. Thank you! XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THERE ARE NEGATIVE REPORTING LISTINGS ON MY CREDIT REPORT FROM A COUPLE OF ACCOUNTS THAT SAYING I'VE BEEN LATE ON MY PAYMENTS. BASED ON MY RECOLLECTION, I HAVE NEVER BEEN LATE ON THESE ACCOUNTS. THE ERRONEOUS STATUS OF THE CREDIT REPORTING AGENCIES IS UNACCEPTABLE AND IS PREVENTING ME FROM OBTAINING NECESSARY FINANCING. THE ACCOUNTS ARE : XXXXXXXX XXXX   XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: NE
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
HBSC had reported an unpaid balance under XXXX dollars to the credit bureaus harming my credit. 

I had CLOSED the account two times previously. 

ACCOUNT-RELATED QUESTIONS Please do not reply to this email as the message was sent from an address that is not monitored. If you wish to submit an account-related question electronically, please contact us online through Chat or call our Customer Relationship Center at XXXX ( HSBC ) or call from anywhere in the world at XXXX XXXX. 

The source of this email alert notice is HSBC Bank USA, N.A. 
HSBC is located at XXXX XXXX XXXX, XXXX, NY XXXX. 

Our postal address : HSBC Bank USA, N.A. 
XXXX XXXX XXXX XXXX, NY XXXX We maintain strict security standards and procedures to prevent unauthorized access to information about you. HSBC will never contact you by email or otherwise to ask you to validate personal information such as your Username, Password, or account numbers. If you receive such a request, please call our Customer Relationship Center at XXXX ( HSBC ) or call from anywhere in the world at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I obtained a firsdt mortgage and a 2nd ( HELOC ) on XXXX XXXX XXXX with XXXX XXXX. The loan # with XXXX was XXXX. XXXX was acquired by XXXX. I contacted XXXX XXXX and they only show that the loan was transferred to XXXX XXXX / GMAC immediately. GMAC servicing is now handled by XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX at XXXX and left a very long and detailed voicemail. Ocwen is only able to provide payment history from the date the loan was transferred to them which is XXXX. I am trying to refinance as a rate and term refinance. In order to do so the current conventional lending guidelines require that I prove from my current lender that no draws were taken out from the inception of the loan. I need Ocwen to state that. I have n't ever used the HELOC for draws. It was only used to obtain the loan. I am now in jeopardy of losing the ability to refinance to pay of the HELOC while interest rates are low. The value has n't completely come back pre XXXX but I can now afford to pay it off with the current appraised value and some funds from me. There is a balloon payment on the HELOC in 3 years that I want to avoid. I need Ocwen to provide a letter stating that the loan has n't ever had a draw and to also produce the note. I think it is very restrictive that they wo n't /ca n't provide records to allow me to refinance to pay them off. I 'm not asking for any favors. It is unfair but if I were to start missing payments it would be an immediate impact on my credit and my ability to secure low interest rate financing and even employment. I am now 2 weeks into this process and I keep getting the run around. The letter I am going to upoad from Ocwen states there has been no draws since the loan was relocated to them but I need it from XXXX/XXXX/XXXX. If they lost or did n't obtain the records I feel they should provide anyway as I am powerless to move forward without it. I am trying to pay them off with no fault of my own I 'm at an impass.My monthly payment is XXXX a month. I am trying to give them their entire XXXX in a lump sum in less than 2 weeks. One would think they would do what is necessary since its a problem that these lost records have created. I have not missed a payment on this loan in 12 years. Please help resolve this.

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 2023-02-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were forced into a short sale on our home in XXXX after refinancing our mortgage with Wells Fargo at a 9 % interest rate and over {$25000.00} in fees. This was advise given to us by a mortgage loan officer at Wells Fargo and he assured us that we would refinance ( again ) at a much lower rate in 6-12 months and that the high interest rate and payment amount were only temporary. That didn't happen because our home value dropped significantly after the bubble burst in XXXX ( our home appraised at $ XXXX more than it was worth when doing the refinance only a few months before ). We made every effort to keep up with our exurbanite payments each month along with our real estate 's tax and insurance premiums but after several years, we just couldn't do it anymore and the only option was a short sale or foreclosure. We opted for a short sale and closed in XX/XX/XXXX. We also wound up renting a home for more than the market called for because our credit scores were so low because of not making our payments on time, leading up to the short sale. We feel this was a rouse by the lender at Wells Fargo because he was paid commission based on the interest rate and fees charged and that this falls under the unfair practices {$3.00} billion settlement reached by Wells Fargo in XX/XX/XXXX. We have not been contacted by Wells Fargo directly as it suggests in the media, therefore, we are submitting this complaint to the CFPB.

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 2019-09-01
Company: EQUIFAX, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
My credit report indicates a late payment for XXXX. All payments were made on time, and there was no balance in XXXX. They failed to process a payment in XXXX/XXXX but are claiming I am responsible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: LA
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:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, all by certified mail requesting that you remove inaccurate information from my file due to IDENTITY THEFT and you have failed to do so. 

I sent in documents to your company several times and I was told that my documentation did not follow your criteria, but when asked the correct criteria or what I was missing, I was told that you were unable to tell me. You also stated that the creditor validated that the accounts were valid. 

Accordingly, I can show a judge that your agency is in violation of several laws, one being 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt, no one else can state they have proof this debt is valid. I do not validate this debt and it is a result of identity theft. 

Therefore, the following accounts must be deleted from my report. that I was a victim of Identity theft and that you violated the Fair Credit Reporting Act by ignoring my requests to block/delete this information My previous letters all sent by certified mail stated my reasons and these reasons were not frivolous in any way. I filed a police report, a FTC report and contacted the CFPB to no avail. 

If this final request does not prompt you to delete the below accounts in question, I will file a civil suit in my county for damages and you can travel to defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Paramount Recovery Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt collection placed on my credit report with all XXXX credit reporting agencies. The debt does not belong to me. I have been a victim of identity theft for a number of years. 

I received an alert from XXXX XXXX and XXXX that a collection had been placed on my credit report. I have no knowledge of the account. 

Paramount Recovery XX/XX/2023 {$1400.00} Collections placed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: SUNTRUST BANKS, INC.
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, my credit card was apparently used at XXXX XXXX # XXXX ( {$2000.00} ) and XXXX # XXXX ( {$860.00} ) in XXXX, GA. I still had my physical card in my wallet, but was later told by my credit card company, Suntrust, that a chip reader was used for the purchases. The purchases were both made between XXXX and XXXX XXXX EST. I saw the charges online, froze my credit card, and called Suntrust within a couple hours of the purchases being made. I was in XXXX County ( XXXX, Ga ) at work at XXXX XXXX XXXX during the time of the purchases which can be verified by my clock in/clock out times. I contacted the merchants XX/XX/XXXX and was informed that they did have video recordings for the investigation. I contacted the police but did not file a report at that time since I was told I would have to go to XXXX to do so, and I live in XXXX, Ga ( my credit card billing address is in XXXX at my parents address ). The fraud investigation was done through the credit card company and I was emailed on XX/XX/XXXX that the claim had been denied, and the charges were deemed valid. At that point I contacted multiple people at Suntrust including several supervisors and was informed I could not speak to anyone from the investigation and they had no further recourse. The only reason I was given for why the claim was denied was that a hip reader was used. I spoke with a branch manager in person, and he filed a formal complaint with the company. I was also told an escalation email had been sent to the fraud investigators but that they may not respond to it. I filed a police report on XX/XX/XXXX to try and retrieve the video footage and information regarding whose XXXX XXXX membership was used for the purchase as I am not a member of XXXX XXXX. I did not authorize nor do I have any knowledge of these charges, and I am currently being held financial responsible for them on my Suntrust MasterCard credit card. I have been told by the company there is nothing else to do about the situation which sounds insane to me.

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 2018-10-23
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I was notified through my credit app that there was a new collection account. I filed a dispute with all 3 credit bureaus and the information states this debt is valid increased the amount from {$2900.00} to {$3000.00}. Then on XX/XX/2018 I also sent a letter to the agency to validate this debt which I have not received a response to. I tried contacting them to verify if the letter was received but whenever I call the line disconnects. I received a electronic return receipt that this information was sent and received from the company.

Company response to consumer: Closed with explanation