BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-20
Company: Reliant Capital Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I went to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX residing on XXXX XXXX XXXX And I have always been sent statements in the mail. I remained on campus until XXXX after XXXX I lived off campus paying rent out of pocket. I had to resign out of school due to denial of financial aid appeal in late XXXX. Which I couldnt attend year XXXX. 
I recently called my school to ask about my Assumed debt which was {$9800.00} from dormitory fees. I was told that the Assumed debt was sent to Debt Colllector Reliant Capital solutions in the Month of XX/XX/XXXX. 
I was not sent a notification of the Assumed debt sold or notification to dispute no amount the Assumed debt was sold for to Reliant C.S. 
I received documents from XXXX in my email of ( Assumed Private Loan Debt ). 
I have not received anything in the mail at all since the Debt was sold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I logged into my account today ( XX/XX/2018 ) and discovered I had no available credit despite utilizing less than {$600.00} of my {$2500.00} limit. I called customer service, and they told me that this was a computer issue impacting thousands of customers, and they were working on it but nothing could be done right now. I was NEVER notified of this issue. I only found out because I logged into my account and called. Later, I tried to submit a secure message on the credit card website, and that was not working either! None of my issues have been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
As early as  XXXX   XXXX ,    2016 I disputed the accuracy of the reporting of a Synchrony Bank/Walmart account -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. ( see attached ). I never receive d any response to my dispute so I wrote directly to the alleged creditor on on  XXXX   XXXX ,    2016. ( see attached ) My  understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable

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 2017-06-22
Company: EQUIFAX, INC.
State: MO
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 was a victim of Identity Theft. Over the last several months, I have been working with the credit bureaus ( Equifax, XXXX, XXXX ) in order to have the credit bureau reports corrected. I have provided them with Police Reports, IRS Affidavits, and Personal Statements regarding this issue. Both XXXX & XXXX PROMPTLY corrected my information, and have both provided me with updated credit reports. However, Equifax continues to report this false information/accounts on my Equifax Credit Report. My intial dispute with them began on or around XX/XX/XXXX. It is now XX/XX/XXXX. In order to bypass the " 30 day '' investigation timeline, they just keeping closing and re-opening " new investigations ''. I have spoken with them numerous times via telephone, and have had to re-fax the above information ( Polive Reports, IRS Affidavits, Statements ) to them 3 times during the last 2 months as they continue telling me that they have not received it. ( I have 3 fax confirmations confirming that they did receive them ... ). Now, today, I am told by their telephone representative that they will CONTINUE to report the fraudulent account as the " creditor '' has advised them that th account is mine ...??? Obviously, it is n't. BOTH, XXXX and XXXX have provided me with letters advising me that they have DELETED this information from my Credit Report, as they have determined that it was NOT my account. Both XXXX and XXXX have also BOTH provided me with updated Credit Reports as well. Equifax refuses to do so, even after nearly 2 months of when this began. Getting through to Equifax is nearly impossible, as all calls are answered in the XXXX, by individuals who speak broken English, and are hardly understandable. When asked to be transferred to an American agent, your call is placed in a que in which hold times have exceeded 2 hours to get through ... Please help resolve!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: STATE FARM BANK, FSB
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 I opened an account online with State Farm Bank. When opening the account I funded it with a deposit of {$500.00}.

On XX/XX/2018 I received an email from State Farm Bank that I needed to provide documents ( driver 's license and social security card ) in order to verify my identity. I provided these documents the same day via fax.

On XX/XX/2018 I received my debit card in the mail and was unable to use it. I contacted State Farm via phone and their online chat. I was informed that the account was not fully opened since they had not reviewed my paperwork. I was unable to access my funds. They said the matter would be handled by the end of the day. It was not. 

On XX/XX/2018 I contacted them again. After speaking via chat to a supervisor the block on my debit card was removed. 

However on XX/XX/2018 the block was put back on since State Farm claims the documents I sent them are not satisfactory. Once again I am  unable to access the funds in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Dear Sir Madam, On  XXXX   XXXX   2017 , I submitted a complaint to you about Experian reporting agency, they replied to me online that the public record is going to remain on my report, Just to let you know, I disputed that public record with the other  XXXX  reporting agencies  XXXX  and  XXXX , both have deleted the public record from my reports. Experian kept the public record on my report, although it 's false. Should Experian keep that info on my report, I will have no other alternative but to have a massive lawsuit against Experian. Currently I am in contact with  XXXX  NJ Bankruptcy court and my Attorney to process the lawsuit against Experian should they not delete the wrong information from my report. Experian answer is always the same without regard or consideration to any consumer what so ever.

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 2018-08-23
Company: EQUIFAX, 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:
On XX/XX/XXXX, I submitted to the major credit reporting agencies a dispute in regards to accounts and inquiries on my credit that I never knew about or authorized. It has been well over 30 business  days since I have submitted my dispute via certified mail to the addresses they have listed on the websites, yet to no avail as the accounts continue to erroneously report on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: CORELOGIC INC
State: AR
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 pulled my report and noticed several Hard Inquires I did not apply for and request they be removed.

1. XXXX  Auto XX/XX/2018 XXXX XXXX, Ca XXXX XXXX I Did not apply for a car loan 2. XXXX XXXX JXX/XX/2018 XXXX, FL XXXX I did not apply for a gas card, don't even have that station where I live. 

3. XXXX /Airlines I did not apply for this, I don't even fly.

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 2018-10-25
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This morning a make person came and knocked at my door asking for My daughter. I advised the person she does not live here. Then he asked if XXXX XXXX lived in the property. This person has called me and my husband harassing and trying to get information concerning XXXX. This has been going on for while. Ow they driving in my private property and knocking at my door. THIS IS HARRASMENT. I have told them before and does end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: EQUIFAX, INC.
State: MD
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:
I reached out to Equifax and XXXX and XXXX on several occasions by CERTIFIED MAIL ( which I have proof of ), bringing it to their attention that XXXX XXXX was reporting inaccurately with the amount I allegedly paid to settle a debt and they have all refused to remove it besides XXXX. The 1st certifed letter was sent on XXXX X/XX/17. Second letter was sent X/XX/17. Third letter was sent X/XX/17.And the final letter was sent X/XX/17.. XXXX conducted a FULL investigation and realized that I was right and removed the inaccurate account from my report. XXXX and Equifax have continously lied and said that it was verified as accurate which I have proof of that that is not at all true. I would like to move forward with a lawsuit and complaints against both parties for refusing to honor my rights as a consumer to only have ACCURATE information reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
First National Bank of Omaha is continuing to report a debt that was placed on my XXXX report around XX/XX/2018 that is not a mine, rather a debt caused by identity thief. This company has ignored a police report, affidavit and a report from identitythief.gov which is recognized by other financial institutions and credit bureaus as a legal and substantial document. On XX/XX/2018, the company sent a response about holding me responsible, however, they followed up with another correspondence dated XX/XX/2018, stating they needed to do additional research, which they have failed to follow up any additional correspondence as well. Furthermore, First National Bank of Omaha has not supplied the legally requested disclosure of the application with my signature that was used to open this account, that they are legally required to disclose if asked, as well fully knowing under several laws/statues under the Fair Credit Act that if this proof can not be disclosed they have to remove any negative reporting information from my credit bureaus, in particular, XXXX   and any responsibility to the debt. Either they dont know the laws or neither care about following them, possibly dont have the document, or realize they have made an error ; however, they are legally required to produce and disclose this application/document with signature if requested. This financial institution has conducted itself in a somewhat Mafia-style Shake Down to get me to pay these monies that I do not owe to remove this fraudulent trade from my XXXX report, its been unbelievable. Please 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 explanation
Consumer complaint received 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I submitted to the major credit reporting agencies a dispute in regards to accounts and inquiries on my credit that I never knew about or authorized. It has been well over 30 business days since I have submitted my dispute via certified mail to the addresses they have listed on the websites, yet to no avail as the accounts continue to erroneously report on my 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 explanation
Consumer complaint received 2018-10-25
Company: ORG GC GP Buyer, LLC
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My XXXX check is being garnished at over {$120.00} a month. GC Services contacted me numerous times, illegally, after I informed them to do not call me. In XX/XX/2018, I contacted GC Services to see what I could do to stop the garnishment. I was informed that if I made voluntary payments ( 9 ) then it would bring my loans out of default status. I agreed and set up an auto  payment for {$5.00} monthly from XXXX until XXXX. Then after the payment in XXXX was completed someone would contact me to set up a new servicer for my loans and my loans would be out of default. Now, here it is XXXX, and I contacted them because I had not heard from anyone, as of XX/XX/2018. At that time I was informed that for some " unknown " reason the last payment they had received was XX/XX/XXXX. She told me that in order to " fix '' this situation I would need to make 2 payments to catch up. Then a payment at the end of XXXX. At this point my contractual obligation would be fulfilled. I agreed to those terms and set up the auto payments once again. One was taken on the XXXX of XXXX one was taken out on the XXXX of XXXX. Then, ONE should have been taken out 2 -3 weeks later. However, when I checked with the bank a total of 5 payments of {$5.00} was taken from my account. Not only should this have completely satisfied my agreement with GC Services, but they would have also owed me monies back. Upon seeing this I contacted GC Services, and spoke with a manager. I was informed that I still had 2 payments to be made. They said that my XXXX payment was in deferment. That the first 2 payments were applied to XXXX and XXXX payments. Now, there was still the situation with the OTHER 3 payments that was taken out of my account. That should have covered XXXX payment, and they should have to refund me the additional 2 payments that I did not agree to, and my contract was fulfilled at this time. 

However, I was told that, I am still in default, i still owe until XXXX of 2018. They can not give me a reason why my auto payments were stopped, nor can they apply the payments to my signed agreement. That the money was apparently applied to principal. 

I live on a small XXXX check monthly, and that additional money that now is just gone, means the difference of me eating for the month or not. I am being reprimanded for this companies mistake, and They did not uphold their end of the contract. Now I am the one to not only uphold my end of the contract, but also being tripled charged when I did not agree to that. 

This is blatant fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I reached out to Loan Care for a refinance or assistance because i was 1 month behind and having trouble catching up. I asked what my options were to help resolve this. Loan Care put me into a loan modification program. We paid our mortgage 3 months in a row to see if we were worthy of the program. We were told not to make another mortgage payment until they completed the modification. I received paperwork that the loan modification was complete and notarized it and returned it to Loan Care. My wife called the next day to give Loan Care the tracking number and inform them that the paperwork was on the way. She asked when we would resume payments and was told that until the modification is finalized we would not know when or how much our mortgage payment would be, so we have to wait. I called Loan Care at least 3 more times the following months only to be told the  same thing. I call again in XX/XX/XXXX only to be told now that we are 2 months behind. We signed the paperwork on the XX/XX/XXXX and did not hear anything regarding the payment until our XX/XX/XXXX statement came on the XX/XX/XXXX that showed the updated payments from the amendment and now that we were behind 2 months going on 3. Loan Care refuses to take responsibility for their mistake and instead blames us for not knowing that we were to resume payments immediately after the modification even though every associate we spoke with during that time told us to wait. Now because we are showing as delinquent, we ca n't go elsewhere to refinance and all of a sudden Loan Care is out of options to help. They are only willing to take multiple payments from us so we can catch up and refuse to update the credit report even though it was their fault that we are behind.

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 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
filed ftc police reports several complaints sum items still showing as closed please remove all item s i requested

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 2017-07-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Wells Fargo advertised a {$250.00} promotion for new checking accounts. I opened an account during the specified timeframe, made the requisite opening deposit and established a direct deposit to meet the qualifications for the {$250.00} promotion. Through a series of emails, Wells Fargo, first confirmed that I qualified for the promotion and would receive the funds in 45 days. Then after the 45 days past and no evidence of the reward, I contacted the Bank inquiring about the issue. A different customer service representative indicated that, now, I did not qualify for the promotion. Recent communication with the Bank, reversed course again and indicated I did qualify but would need to send my tax id number ( although they acknowledge they have my social security number which is my tax id number ). Then, the representative said once the Internal Revenue Service confirmed my tax id number, they would revisit my eligibility for the reward. I have never been subjected to confirming information with the IRS to receive a reward with other banks like XXXX who offered similar promotions. <P/>I have also never communicated with a company with such inconsistencies and resistance to awarding a customer for something they clearly qualify for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
524 Injunction : Bank of America per the enclosed exhibits did not adjust my mortgage on the agreed date to be compliant with the court order reaffirmation agreement. BAC kept sending me statements with the original loan amount and payment. I making the required payment the month after the agreement only to have BAC escrow the payment and not apply them. In XXXX XXXX acquired the mortgage servicing rights with the incorrect balance and monthly payment and now a forced placed insurance policy added to the loan. XXXX XXXX started sending out notices with the original note information then corrected the loan in XX/XX/XXXX but still listed the cram down debt on the statements as defferred P & I this was a violation of my plan and a 524 Injunction. 
XXXX XXXX filed a foreclosure motion in XX/XX/XXXX but before I could file a counter claim XXXX XXXX sold the mortgage to XXXX and XXXX became the new loan service company. XXXX assumed the foreclosure in court where the case was not heard only rubber stamped by the judge. The docket of the foreclosure case states that I never paid a payment after the reaffirmed agreement now XXXXXXXX XXXX has stated that I had made 4 payments and that BAC had not been compliant. XXXX XXXX has now listed the reaffirmation crammed down debt in the amount of {$19000.00} as BK Cost on payoff statements this is the exact amount of the XXXX XXXX Defferred P & I listed on there statements. This is attempt to collect discharged debt and code it as something else in court is a 524 Injunction of the debtors Bankruptcy plan.

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 2017-07-01
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In 2010 I lived in apartment that invest with rats in my building management said the build was aloud to leave. Which I did then this was place with a collection agency after the fact. Also the owner no longer own the property.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation