BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Wells Fargo Auto Loan Complaint Department responded back to CFPB complaint Number XXXX. This company has lied on me more than once. Exhibit A will show all incoming and outgoing calls. I have spoken with XXXX at Ext XXXX and XXXX at XXXX XXXX on XXXX please look at phone history. The phone calls was more than 15 minutes. The same company above lied like they never received my payment I mailed in the beginning of XXXX. I have been mistreated by this company and I suffer mental abuse. My XXXX payment that I mailed in was never applied because they wanted to repo my car. This same company has been in trouble for doing bad things to their customers now turn around and do me the same way and lie on me to make their company look good. I called in on XXXX to see have my payment been applied to my account. This company responded no and told me your account was closed on XXXX and demanding full payment or refinance the loan. The collection department was so cruel to me I couldn't believe it. I XXXX XXXX XXXX to the company on XXXX and will continue to pay on my account. I just went back to work in XX/XX/2023 and I made a payment with my debit in XX/XX/2023. I also made two payments in XXXX one payment was never applied. I have been treated unfair by this company and my account should be reopened due to dishonesty and mistakes that was not my fault. I have been taken advantage of by this company. Justice needs to happen I'm a frontline worker for my city and state. Wells Fargo need to do right by me and other customers. I put my hard earned money on this account and I get discrimnated because I caught XXXX XXXX and couldn't work until my doctor released me. I respectfully request Wells Fargo Auto Loan to apologize and reopen my account for their lack of dishonestly.

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 2023-01-23
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX  XXXX XXXX XXXX : {$34000.00} ; XXXX XXXX  XXXX XXXX XXXX : {$42000.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance : {$42000.00} ; XXXX  XXXX Balance : {$33000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Personal information incorrect

Complaint:
EXPERIAN is currently in violation of FCRA Compliance procedures [ 15. U.S.C. 1681e ] ( b ) reporting inaccurate personal information on my consumer credit report. I demand the following addresses be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EXPERIAN MUST ASSURE MAXIMUM POSSIBLE ACCURACY OF MY CONSUMER CREDIT FILE.

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 2023-05-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a surprise bill from a hospital from last year. I have health insurance thru the state of Michigan and behavioral health benefits thru the state. I was in the hospital and then received a huge bill out of no -where. They did not inform me while i was there that the provider was out of network or not covered. This constitutes " surprise billing ' and is illegal in Michigan. They have to notify you if its not covered. Now they are sending it to a collection company called HRRG.I have submitted the bill and a complaint to the Michigan department of health and human services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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:
I called the XXXX, XXXX, and Equifax Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading and inaccurate to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe that the Credit Bureaus have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, # XXXX, and # XXXX and hoping that the following account be immediately corrected and or deleted on my Credit File : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Self Financial Inc.
State: SC
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 2 late payments for the month of XXXX and XX/XX/2022, and my payments was never late. I think it been a error on they behave with the banks and now I have 2 late payments on my credit report that's messing up my credit. I did call and informed them of this and the customer care person did not want to call the credit bureau to fix this she just told me to file a dispute with the credit bureau. Been with this company for almost a year now and never had any issues. So I check my credit report again lately and someone change the date to XXXX and XXXX of me being late instead of XXXX and XXXX. This falls up under 15 U.S code 1666B billing errors

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: FIRST HORIZON BANK
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First Horizon has falsely claimed to repossess a vehicle from me and claims a balance of {$2900.00} was written off and closed. Since XXXX  this false information has impacted my credit significantly in a negative manner. Ive shown proof of this company over charging the monthly car payment since they took over the original bank that financed the vehicle ( XXXX XXXX XXXX  ). Ive never been late on a payment and my vehicle was never repossessed. First Horizon claims to have zero statements or documentation of proving that their information is correct yet refuses to correct information reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Reliable Credit Association, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My bank account was compromised in XXXX and all my money was stolen. Because opted not to prosecute the bank did not give my money back, which caused all my bill to be late and a financial hardship. I have two accounts with Reliable Credit and I tried to combine them so I could make one payment instead of two. I was told by the XXXX XXXX office where I have one account I could, but the XXXX office where I have my second account said I could not. While I waited for a response my account when further past due. By XXXX I was told to pay the full balance or go into collection for loan number 1 at the XXXX XXXX branch. I said I did not have the over XXXX amount and she immediately wrote off my account in XXXX during a pandemic. I was told today by XXXX the Vice President of Reliable that they ask for the past due and not the full balance. I informed him that the manger at the XXXX XXXX store demanded the full balance or I would have tried to work something out. I tried to fix this back in XXXX, XXXX and now again in XXXX. I just want them to do the right thing. I have had a past loans with them and always paid on time. I also have an existing loan with them and pay it on time too. I feel I should not have had this done to me during a Pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my home was appraised at my request by a representative from the mortgage lender ( XXXX XXXX ) in order to remove the PMI on my current loan. 

My home appraised for {$520000.00}. Principal on the loan is just under {$400000.00} with no other liens or second mortgages. This puts my LTV at 77.87 %, according to the lender 's own documentation. This is under the 80 % LTV required by law for removal of PMI. 

Subsequently, I sent emails requesting the removal of PMI to XXXX XXXX on XX/XX/XXXX, again on XX/XX/XXXX and again today. XXXX XXXX acknowledged all my emails. I've spoken on 5 separate occasions to representatives of XXXX XXXX who stated PMI is removed at 80 % LTV, that all other conditions are met for removal of PMI on my loan and that they're not sure what's happening, they suggested I keep writing emails. 

On XX/XX/XXXX, XXXX XXXX sent me a letter stating that the PMI on my loan would not be removed, applying a 75 % LTV for removal of PMI instead of the 80 % allowed by law. This is in violation of the Homeowner 's Protection Act and the laws of the State of New York regarding this matter. 

All conditions for removal of PMI on my loan are satisfied and PMI should be removed forthwith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a dispute to have them properly investigate the errors on my credit report and the fraudulently sent me a letter stating they dont have a credit report with the name social security or birth date I submitted. Its a total stall and theyre trying to make me jump through hoops to get them to properly investigate which is garbage. I will be hiring a lawyer if they do not remove the inaccuracies and do a proper investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: General Motors Financial Company, 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, AMERICREDIT and XXXX XXXX XXXX add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit file for all three-credit bureau, and I notice this debt or collection account does not belong to me. This company is listed in collections and I have no knowledge of this debt.

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 2022-10-13
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: Information belongs to someone else

Complaint:
I am submitting this CFPB complaint to follow up the most recent CFPB complaint I submitted to the Credit Bureaus requesting the immediate removal of the disputed accounts and information completely from my Credit file. Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. I also sent a dispute letter to each of the Credit Bureaus on XX/XX/XXXX with complete attachments of my personal information as well as the IDTHEFT REPORT I received from the FTC. Once again, I am looking forward for the immediate removal of the following items completely from my Credit file : XXXX CARD XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. If the Credit Bureaus claim that the disputed accounts and information belong to me, I require the Credit Bureaus to send me copies of proof of verification or any documents bearing my signature. In the event that the Credit Bureaus can not prove the items ' validity, immediate deletion of the disputed items is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Good afternoon, I need the below accounts reviewed immediately as they have been paid on time and the XXXX account does not belong to me. Please adjust my credit profile immediately as its causing me harm. 

XXXX XXXX XXXX XXXX NEVER PAID LATE- PLEASE ADJUST XXXX XXXX XXXX NEVER PAID LATE- PLEASE ADJUST XXXX USA- XXXX NEVER PAID LATE- PLEASE ADJUST SANTANDER CONSUMER USA- XXXX UNVERIFIED ACCOUNT-FRAUDLENT -NOT MINE Kind Regards XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Inaccurate data has continuously been reported on my credit profile. Balance, payment and historical history is inaccurately being reported to my Transunion credit profile. Transunion has not investigated the accuracy of the reporting data. Therefore, Transunion is reporting false 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 2019-02-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I was on XXXX  website booking an airplane ticket for my daughter and on the last step where I had to pay the ticket ( {$170.00} ), a pop-up appeared saying that if Im approved for an American Express Delta SkyMiles credit card Ill be receiving {$200.00} statement credit, and it was displayed exactly the following way : {$170.00} - {$200.00} = {$22.00} credit ( Offer or Promotion XXXX ) Looking at this, one would assume that the statement credit would appear immediately and it would take care of my purchase, or probably this how they are trying to mislead their clients!!!

Once I clicked on the pop-up window, it took me thru the application process and it did NOT mention that the credit will show up on my statement after 6-8 weeks. I did receive the monthly statement but I didnt pay it thinking that the statement credit will take care of it and on the next cycle it will show up as a credit of {$22.00} as advertised. When the next statement came I had late fee and interest charge, so I called the customer service and I was told that I had to pay it in order to get the statement credit, and I did so over the phone ( or online ), and I was told that the {$200.00} credit will appear on my next statement. I have been calling them since XX/XX/XXXX and every time I get the same answer, it will show on the next statement and I was issued 2 case numbers ( XXXX & XXXX ). Finally, this week I requested to talk to a supervisor and she told me that since I didnt pay on time my first statement I disqualify for this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting 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:
THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I check my credit regularly and I saw there was a collection on only TransUnion and not the other two companies. The collection agency is XXXX XXXX XXXX  for the accounXXXX XXXX XXXX opened XX/XX/2023, in the amount of {$920.00} I reached out to XXXX  and they could not find any of my personal information, I asked if there was a way they could give me something in writing and they said no because they could not find me in their system, they would not be able to send me anything in writing? Ok, so in the mean time I filed a dispute with TransUnion and was told to follow up with them on XX/XX/XXXX, I followed up today, XX/XX/XXXX and was told I am responsible for the charge of an account I don't even know what it is. They they told me I could file another dispute but I am afraid I will get the same results, that is why I am desperately trying other methods to have this fraudulent account removed from my credit report. If you please take the time to review my credit history, you will see it is spotless and continues to be so even after this so called bad account I took out, which I have absolutely no clue as to what it is. I have not received any form of communication from anyone other than me seeing there was a collection place on my account through TansUnion, no collection agency or no creditor has reached out to me to let me know of any of this. Please advise me on what to do. Thank you in advance for any and all of your help.

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 2020-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My father and stepmother ( both passed away in XXXX ) had taken out a home equity line of credit with Bank of America in XXXX. After the passing, we put their home up for sale. We found a buyer and the home was supposed to close on XXXX. The title company located this XXXX line of credit and showed it was still in force. No one was aware that this deed existed prior to the title search. The closing attorney in Georgia attempted to contact Bank of America on several occasions to get the deed cancelled. They were unsuccessful. As Executor of the estate, I told matters in my own hands and went to my local ( XXXX Florida branch ) on XXXX XX/XX/XXXX to try to resolve it. I was put in touch with an investigator, who told me that the deed was not in their digit system. This would require a hand search. He told me that it would take 3 to 4 days to get solved. The case number was assigned ( # XXXX ). Today XX/XX/XXXX, BOA notified the closing attorney that it would take 15 days to resolve this. This is completely unacceptable. I have buyers who are ready to walk. I have allowed them to move in pre-closing because I thought this would be resolved this week. BOA 's failure to resolve this is costing the Estate and the buyer money for each day this goes on. This need to be resolved yesterday and not 15 days from now. The latest correspondence from BOA is below : Thank you for submitting the necessary information required to review your lien release. Please be assured that we are working to fulfill your request. We ask that you allow 15 business days for completion. Status updates are not available via email. For all status and questions, please contact Customer Service at ( XXXX ) XXXX and provide reference number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief