BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, 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:
On XX/XX/2018 I applied for a car loan with XXXX XXXX XXXX I specifically signed document not to share or make inquiries into my credit from any other financial institutions aside from XXXX XXXX! They made inquiries for over 30 days attempting to finance my purchase with over 12-14 companies which I never gave written authorization or consent to do so I contacted the finance department at XXXX & they agreed to get those inquiries removed which they never happened. I was also told it would not affect my credit score because it would only count as on inquiry but it took more than 48 points from my credit score.I contacted all of the credit bureaus for assistance with no response or results.

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 2018-04-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is my third time cashing a check and every time its been an XXXX. This time theres a XXXX hold on my account when I dont use it to pay for anything just put money on. I even had XXXX cents to show no pending nothing. I signed the back like I always do and theyre playing with my time, patience, and money. If wells doesnt get their XXXX together Im going up legally. XXXX this back and forth XXXX idc the time it takes, people work hard for their money and to turn around and have something that should be available 24/7 with no problems XXXX with you lol. XXXX Wells Fargo for XXXX with people lives and money XX/XX/2018 XXXX is what I deposited with my signature on the back!

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 2023-02-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid and closed my car loan on XX/XX/XXXX, and this company reported me 30 days late for XXXX even though the loan was paid in XXXX. That makes absolutely no sense, I need this late remark removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I would like the following information verified, and would like to know how it is verified to be accurate on my credit report. 

Bankruptcy - Discharged Chapter XXXX Reported XX/XX/2017 Reference # 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 2019-08-29
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, 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:
I have inquires on my credit report that are not from my doing, I have tried to get this taken off my credit but the credit bureau still report the inaccurate and fraudulent inquires when I am not the person who actually applied for them on my credit. I am in the Military someone taken my identity and applying for different accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 was a victim of identity theft and as a result several account have been reporting in my credit report i have try resolving this matter directly with the company providing then documentation of these fraudulent account XXXX XXXX XXXX  # XXXX 
XXXX XXXX XXXX # XXXX XX 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 2018-07-18
Company: Integrated Recovery Services
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The debt collector is calling my family members and leaving messages with my date of birth, last 4 of social, and discussing how I will owe thousands of dollars if I don't settle outside of court, which to my knowledge, there are no court cases pending against me regarding any matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Hello, I have been contacting this company for well over a month and spoken to numerous representatives and managers to resolve the debt. Everyone lies and transfers calls. 

Since XX/XX/XXXX, I have faxed, called, and emailed over 30 times getting the runaround, hung up on, misinformation, confusion, and incompetent stall tactics. I spoke with a manager XXXX handling XXXX accounts who assured me that since I lived in the state of New York, I had to email a statement saying I gave Convergent permission to email me and we agreed I would settle this account for {$250.00}. I emailed immediately while she was on the phone to a # clerks email. I called the next day as she requested so I could pay it and interestingly when I asked for the same manager she was " in a meeting ''. Then I called that afternoon and reps hung up the phone or transferred me all over the place. ALL I WANTED TO DO WAS PAY. Who does this to someone just wanting to pay? 

They never sent the invoice as THE MANAGER told me that department would so I could have proof of what we agreed before I paid. Another week goes by with me calling and still no resolution. She even tells me there is SEPARATE UNNAMED DEPARTMENT that I can not communicate with who handles email correspondence. Yesterday, I coincidentally got transferred to XXXX again, reminded her who I was and reminded her that nothing she told me was true. She then tells me they have a NEW EMAIL ADDRESS and that she gave me the wrong one 3 weeks ago! I was stunned. So I email that account 3 times - XXXX - how convenient that a new email address pops up. 

I paid off this debt XX/XX/XXXX in good faith with XXXX and STILL HAVE NOT RECEIVED A RECEIPT stating this matter is settled TO MY EMAIL. 

TODAY - I was just put on hold at XXXX XXXX this morning, XX/XX/XXXX as I am writing this. The representative said she had to figure out what department sends receipts???? I was on hold for 15 minutes and I hung up because I knew from experience that rep was not coming back to the phone. 

This company is evil and corrupt. How long does it take to send a 30 second email? I want my receipt so I can move on with my life and never have to deal with this company again. They should be shut down. They have no corporate numbers to call and bogus websites, and all this confusion. I can't believe this company is allowed to be in existence with all the negative reviews and complaints all over the internet. 

Disclaimer : This debt is under my maiden name, Do not let them say they can not find 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 2019-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio recovery is requesting money from me and I do not recall ever doing business or having them write me validating my financial obligation to them. Up to now they have not sent me anything validating this contract and they are reporting on my credit trying to strong arm me into paying money to their company. They are injuring me by reporting on my credit in return for me paying them money they have not validated. This seems like extortion I have asked for validation with no response. Today I request this with help of the CFPB for tracking purposes. I dont want to be strong armed into contracts with companies that will take advantage of consumers. 

Validate this debt 1 ) Please produce a contract bearing my signature to do business with your company 2 ) Send me an ORIGINAL contract 3 ) Copy of account payment history 4 ) The account statements from the original creditor 5 ) What is the balance I owe including original amounts, interest, fees and when was this account purchased 6 ) Did any credit bureau contact you regarding this debt? If so, which bureau? What was verified? 

I never received an opportunity to validate this alleged debt. I am requesting this information today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
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: Information belongs to someone else

Complaint:
The accounts listed below do not belong to me. They are the result of the identity theft done to me when my wallet was stolen. These must be removed immediately. I already filed an FTC complaint and also complaint to law enforcement. I provided the name of the dark web company that stole my information. 

XXXX XXXX XXXX  {$65.00} Opened XX/XX/XXXX XXXX XXXX XXXX   {$0.00} Opened XX/XX/XXXX US Department of Education/XXXX {$0.00} XX/XX/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 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The accounts listed below do not belong to me. They are the result of the identity theft done to me when my wallet was stolen. These must be removed immediately. I already filed an FTC complaint and also complaint to law enforcement. I provided the name of the dark web company that stole my information. 

XXXX XXXX XXXX {$65.00} Opened XX/XX/XXXX XXXX XXXX XXXX   {$0.00} Opened XX/XX/XXXX US Department of Education/XXXX {$0.00} XX/XX/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 2023-02-08
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 status incorrect

Complaint:
I paid and closed my car loan on XX/XX/XXXX, and this company reported me 30 days late for XXXX even though the loan was paid in XXXX. That makes absolutely no sense, I need this late remark removed from 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 non-monetary relief
Consumer complaint received 2021-05-24
Company: FirstPoint Collection Resources
State: NC
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:
Received a credit alert advising that I have a collection account from 1st Point Coll Resources, which reported on XX/XX/21. I never received any information or communication from this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx showed up on my credit report XX/XX/2018. Trying to collect on a old account with XXXX XXXX XXXX   who as of 2 years ago stop taking money out of my account monthly. This was solely based on their decision to do so. And removed it from my account. This company has now placed this on my credit report as a new debt and has dropped my score 41 pts. They have called and i asked them to send me documentation. They told me that they are not the account holder and that they dont have to provide me any of that information. they threatened to garnish my wages. They also stated that time is of the essence and that they can do what they want. They are horrible people and very nasty to talk to over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After a purchase of our home the mortgage was sold to Mr. Cooper ( https : //www.mrcooper.com/ ). Everything was smooth until we decided to refinance our home with XXXX. We obtained a payout amount which was valid past the date of our settlement date. Our new mortgage product was such that it was split into two parts and therefore the bank sent two separate payout amounts to Mr. Cooper. When Mr. Cooper obtained the first payout amount, they applied part of it to the current month 's mortgage, and as they explained, since it was not the full payout amount, they applied another payment to the following month 's mortgage ( which included about {$2000.00} in interest ). When all the accounts were settled, we were still missing about {$2000.00} and no one could explain to us where this money went. We tried to call Mr. Cooper 5 times and each time we got hung up on. Finally they sent us a payment schedule, which did not explain how or where the {$2000.00} went. We reached out to our new bank and asked for their help. All three parties got on a phone and were told the same story : Mr. Cooper doesn't owe you anything '', but we persisted, because 2+2 was not adding up to 4. So they escalated - and surprise - we got hung up on AGAIN! 40 min later, we finally got through to another escalation agent, who told us that the payment was applied to the month of XXXX and when we enquired what the interest of that month is - it was approximately the {$2000.00} dollars that have been missing from our equation. Needless to say that they also did not prorate the interest for the month of XXXX although they only serviced our loan for the first 9 days! This is very wrong and a way for Mr. Cooper to pocket extra $ $ $ from unsuspecting and non-diligent consumers, who trust that the banks do the right math. We have not received a correction or a refund yet. 

This sounds like a deliberate way of conducting their business and needs to be addressed by a regulator or a Class action lawsuit. 
https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Investigation took more than 30 days

Complaint:
I have tried contacting TRANSUNION several times about wrong information on my credit report. 

Initial contact by certified mailed letter XX/XX/XXXX To this day no response from them, they have exceeded the legal allowed 45 days to look into it. 

First complaint response " we got the info, need more time '' They were already PAST the legal allowed 45 days at this point. 

Second complaint response " we did respond '' WHICH THEY DID NOT Third complaint response " we got the information and need more time '' This is NOT ACCEPTABLE, they have exceeded the legally allowed 45 days at maximum.

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 2018-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
At XXXX on theXX/XX/XXXX I went into the Bank of America Financial Centra  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. 

The reason for my visit was to withdraw cash out of the ATM machine inside the Branch. 

My issue is that I tried to withdraw {$200.00} cash out of my checking account, the process went through, however no cash came out of the machine. Because of this, I further withdrew {$100.00} because I still needed cash and I received the {$100.00} full amount. 

I ended up looking at my mobile banking and I realized the {$200.00} was in fact taken out of my account. 

I visited the Branch the next day on theXX/XX/XXXX to inform them of this mistake. They ended up lodging an claim for me. This claim was rejected upon there review. I appealed this and asked for access of the video footage, they said they couldn't share it with me and said they'd get back to me. 

I asked the to see if I withdraw cash out twice, they said they'd get back to me, no response until they told me my appeal is rejected. 

I'm frustrated because a few days after this original issue, I had an automated direct deposit taken out of my checking account and I was charged an overdrawn fee of {$35.00}, but if I had that extra {$200.00} I was stolen from BOA, it would of covered it.

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 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
IDENTITY THEFT NOT RESOLVED Source XXXX Alert Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$54000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX XXXX XXXXhone Street Address XXXX XXXX CREDIT BUREAU DISPUTES City XXXX XXXX NC Zip 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 2018-06-29
Company: AMERICAN EXPRESS COMPANY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Twice I have tried to dispute a recurring annual charge submitted by XXXX, an internet data backup service ( of no value to us, because we have adequate backup through XXXX ). I deny - and my wife denies - that we have entered into any agreement with the merchant company, which, my wife believes, got our credit card number when my wife briefly explored the backup service on a trial basis in XXXX or XXXX. We are both lawyers and understand that some companies try to get consumers to agree to paying recurring charges by giving their service away on a free trial basis that becomes a full subscription if not cancelled in writing. We are not among those consumers. 

We did not agree to pay XXXX recurring fees. Please examine the documentation that the merchant provided to evidence our agreement. Note that the box labelled " I agree to the terms of the terms of the XXXX service '' The box is not checked. 

That XXXX sent yearly emails can not serve as a substitute for our agreement, which was never given. This is particularly the case when XXXX  emails, like those of other merchants with whom we do not have a relationship, email us. The emails are automatically routed away from our attention. 

American Express has failed in its Reg Z duties to investigate my disputes ( twice ). Perhaps the best example of this failure is that last night I took over 30 minutes reviewing the attached merchant documentation and explaining to a customer service representative ( American Express would not allow me to continue my original dispute electronically ) the inquiry background and why this documentation did not evidence an agreement. Nevertheless, within hours, American Express had denied my second dispute with no explanation other than to provide the same documentation I had already discussed at length a few hours previously with the Amex CSR. 

I reserve all our rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I asked for verification of the debt from the bank because I had identity theft and I don't recognize it. I asked them to stop calling and only communicate via mail, .and to stop contacting family members. They have continued to call family members and imply that they are suing and that the family member is legally obligated to assist them. Multiple family members have called me scared because of their language.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IDENTITY THEFT NOT RESOLVED Source XXXX Alert Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$54000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX XXXX Phone Street Address XXXX XXXX CREDIT BUREAU DISPUTES City XXXX XXXX NC Zip 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