BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2017-12-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2017 I deposited a money order for {$500.00} and a 12 day hold was as placed on XXXX of it. I also deposited a separate money order for {$100.00} and it was available immediately. I tried to call to find out what happened and got the we are sorry but its computer generated line. I 've had this happen before but never a 12day hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
company fails to remove medical collections which they were violating the hippo laws concerning medical information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ask company to to verify these accounts on my credit but said company as failed to do so

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 2020-01-29
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: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN I BEEN REACHING OUT TO THE COMPANY ABOUT THE WRONG INFORMATION ON MY CREDIT REPORT THEY NEVER SENT ANY MAIL WITH PROOF/ VERIFICATION THIS IS MY ACCOUNT. ALSO WHEN I CALL XXXX XXXX XXXX XXXX THEY TOLD ME TO CONTACT THE CREDIT BUREAU. THIS ACCOUNT IS NOT MIND AND CAN YOU PLEASE SHOW ME PROOF THIS IS ME. I WOULD LIKE TO SAY HOW I CAN I BE XXXX XXXX IN XXXX AND PURCHASE A CAR AT THE SAME TIME? I AM TRYING TO STRAIGHT MY LIFE UP AND THIS IS NOT RIGHT.

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 2019-02-06
Company: Consumer Portfolio Services, Inc.
State: FL
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:
I notified the company CPS about my recent accident on XX/XX/XXXX. My car had pretty significant damages but I was currently taking the other driver to court and paying my loan and insurance and also notified CPS around XXXX XXXX. that I would need an extension until I go back to work XX/XX/XXXX. An extension was granted and to this day it states I don't have anything due until XX/XX/XXXX. I found out today XX/XX/2019. My vehicle was repo 'd while at the repair shop. I received no phone call/voicemail/letter stating this was going to happen. No notice stating that it was even an option. If it were, I would have done what was needed to prevent it. Especially while currently dealing with an auto injury/ prop damage case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Medical Data Systems, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX I was made aware I can't refinance my home due to my credit score. I was advised there were medical collections on my report. I was advised they shouldn't be on my report due to H.I.P.P.A and my medical privacy. It has effected my score drastically. I have 3 separate medical collections from 1 company. I called the collections agency explained the situation. They advised me to call the 3 credit companies to dispute. As of today my score was updated and score increased by4 points. Due to 1 of the 3 collections

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 2020-01-29
Company: PLAZA HOME MORTGAGE, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I was put into a loan modification program which I completed. I made my 3 trial payments on time starting XX/XX/XXXX and completed it XX/XX/XXXX. Was notified I will be given a letter of my monthly payment, but was told it over the phone. Since that time I have been making my monthly payment with no problem and haven't missed a payment. They turned my file over to there law firm anyway and in XX/XX/XXXX sent me a letter stating that my loan modification was denied and they wouldn't speak to me. I contact the law firm that was associated with the bank and they refuse to speak with me which resulted in me paying more money to hire an attorney. The attorney stated as long as they are taking your money out the bank don't worry about it. 
This is predatory lending because they are keeping me in limbo messing up my credit, my bank account and loan. Now since I said this needs to be resolved and if not I will file a complaint they stop accepting my checks and is trying to take my house. 
They have financially cause me a lot of problem and I need this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Possible Discrimination with disturbing unfair practices On several dates in XX/XX/XXXX and recent contact on XXXX, XXXX, XXXX complete loan verification as Co-signer auto loan. 

XXXX representatives request return call ( no longer effective ) credit freeze on XXXX credit report. 

After several attempts request pull update report, XXXX representatives advised send email credit analyst process XXXX XX/XX/XXXX, XX/XX/XXXX XXXX however no return call and dealerships also attempt help solve problem. Effective, as of this writing Ive called following info and have been hung up or transferred to the XXXX # phone que, with no help to get verification to finalize auto loan. 

Westlake App number 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 2020-10-10
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2020 XXXX XXXX Hospital XXXX  send me to collections with CMRE for the balance of XXXX $ due to my daughter 's ER visit earlier this year. 

Totally to my surprise because my daughter was and is insured by the time she went to the ER. 

I've called them to asked numerous times why was I being charged but they keep sending me to different departments to the point that I had to call CMRE myself and let them know that this is a mistake. 

The answer was to wait 45 days before they can remove or resolve this issue. 

That was almost two months ago.

It's extremely unfair and is hurting my credit score tremendously, especially now. 

Thank you for your help in advance. 
Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Bank of America Online Services provides false information regarding Inbound ACH Transfers. 

Bank Of America 's Online Banking System provides Inbound Transfer Services from other institutions. In the menu for those transactions there is information detailing the monetary limits of this transactions. And It clearly says that the inbound daily limit is XXXX ( See Attachment ). However such a transaction resulted in an error message indicating that the limit was exceeded and that I should contact Tech Support. 

After reaching out to tech support I was told contradictory information by the 6 people that took my case during a 3 hour period. Which shows uneven training on from the organization. Originally I was told that I was not exceeding the limit and that the limit must have been imposed by the other financial institution. Eventually the last representative dismissed me by telling me that the correct information was on Section 5 Subsection B of the Service Agreement ( see attachment ) which showed a daily limit of XXXX. When I challenged the notion with the information on the webpage. And the fact that I had done a similar transaction in the past. I was told that the other information shown on the same webpage was incorrect and the other tech support members who didn't inform me of this were also incorrect. And that she couldn't do anything about it. 

I had made financial decisions based on the information which unfortunately will nullified based on this incident.

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 2021-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
hello : I am a XXXX. Out of respect for the protection of private property in the United States, I opened an account in BOA on XX/XX/XXXX and successively deposited approximately US {$120000.00}. That is my legal income, and I have not used the money to engage in any illegal activities. But the money was taken away by BOA in a legal order on XX/XX/XXXX. Later, I had many telephone conversations with BOAs customer service department and security department, but failed to learn any information about this incident. I really want to know the reasons for the legal order and what I should do to get my own money back. 
Please help me, thanks!

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 2021-09-04
Company: Santander Consumer USA Holdings Inc.
State: MA
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:
Victim of a Predatory loan fiananced by Santander XX/XX/2013. Santander has XXXX and XXXX  me over a decade through false reporting negative information to the credit bureaus and parking bad debt in an attempt to coerce payment. Filing a complaint with the CFPB looking for support only made things worse and emboldened their behavior. Actively violating the CFPB consent. CFPB received civil funds for consumers harmed totaling {>= $1,000,000} from judgement against Santander over a year ago. CFPB data shows complaints in Massachusetts show no slowing down. 

I was not notified by CFPB as a victim harmed? Why is their no accountability with enforcement regarding the orders and stipulations that were signed in court?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX CLAIMS I OWE A {$39.00} DEBT Date Date Created : XX/XX/2014 Date Debt/Collection : XX/XX/2014 Amount of Debt : {$39.00} I am told by this Debt Collection Company that this Debt is in favor of XXXX XXXX XXXX XXXX. I'm not sure how this debt was created but this debt was not created by me. I have been a victim if identity theft and this is not my debt. I have lived in XXXX for the last XXXX. 

I ask that XXXX XXXX XXXX release this debt and clear my name

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax is the XXXX XXXX. You do n't get to be the reason credit information gets stolen and also charge people XXXX $ to free their credit! This is madness!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
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 fraud alerts or security freezes

Complaint:
I tried to lift a freeze on my Experian account on XX/XX/2019. I thought I finally managed to do it, but I obviously didnt because I was denied credit on XX/XX/2019 by at least 2 financial institutions because my credit was still frozen on Experian. I tried to unfreeze it previously without success. They want a lot of personal information ( ssn, birth cert, billing info, etc. ) to be mailed into them which seems scary to me because that in and of itself can cause fraudulent activity. There is no way to talk to an actual person with Experian. Their customer service is horrendous. They make lifting a freeze very difficult/impossible. 

I had no trouble at all with XXXX or XXXX. I was able to lift the freeze on both of these credit bureaus this time as well as in the past without any difficulty at all.

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 2021-03-03
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:
Credit score was lowered drastically more than XXXX points based in incorrect balances, incorrect credit limits and definite incorrect usage % They have provided data that clearly shows they are in error and have caused damage and personal hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I been going through financial hardship since COVID hit and been struggling since. I did call them and I applied for credit protection And for my understanding they were going to put a hold on my account so I wouldnt have to worry during this difficult time and my intentions was to start making payments as soon as I was financially stable but what I didnt know was that it would take me this long besides financially struggling I had to figure out how me and the kids were going to make it and taking care of of loved ones that were almost didnt make it with all this with all this I ended up having a break down and fell into XXXX but we came out of this and getting things back to normal and one of the first things once things got settled was trying to get my credit cards paid but when I checked it was too late they closed my accounts and when I tried to see if they would let me pay them they just transferred me to collecting I asked them if they can work with me or if theres another option to help me they just went ahead and send me to collections and brushed me off they say during this hardship they will give their customers support but didnt even try to help before all this happen I was working so hard to build my credit and because of this madness theres no point in starting over

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-26
Company: Atlantic Recovery Solutions LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I was contacted by this company on XX/XX/2019 at my work and made arrangements to repay a debt that I owe and asked that they not call my work number and they continue to do so, they're calling several times a day on both my work and my personal cell phone number. I don't care if they call my cell phone, but they're harassing me at work which I've asked them not to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I took out a loan with XXXX XXXX. They filed Bankruptcy in XX/XX/XXXX. They apparently sold my loan to XXXX. Now I have been making payments to XXXX XXXX XXXX, XXXX. claiming to act as a Trustee for the XXXX XXXX XXXX XXXX XXXX in Delaware. ( I attach evidence ). Per RESPA, etc., this is a Qualified Written Request ( QWR ) and I would like them to send me an updated statement of all payments made to and received by them to date, as well as any and all information regarding any and all accounts open under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian credit bureau is being un-fair in their request for a credit freeze in order to get members to sign up for monthly payments! I was a payed customer in Experian for credit monitoring. For paying customers, they offer a Credit Lock, which is more or less the same as a credit freeze. After I cancel my payed account the Credit Lock was cancel and so I wanted to put a credit freeze on my account. Although I was a credit monitoring service member and Experian has all my information and verified my identity ( as part of a new member procedure ) every time I tried to place a credit freeze on my credit I get the message we were unable to process your request please submit your request by mail. This is completely unfair! They have all my information! I am able to log in as a member, I am able to pay {$9.00} a month to put a Credit lock on my account in one step but have no way to put a Credit Freeze on through my account! otherwise how will they sell the Credit Lock? In all the other companies ( XXXX and XXXX ) I was able to put a freeze in one step with no trouble, only Experian are using an unfair tactics to gain paying customers!

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 2017-12-06
Company: TD BANK US HOLDING COMPANY
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: Investigation took more than 30 days

Complaint:
I was set up on ACH with TD Auto Finance and had no issues until the last payment. They did not auto draft the last payment and I was not aware of this until I saw the mark on my credit report. I contacted the company and they said it was there policy to do this with every account. I should of been contacted by them by phone, email or even mail. They said they sent a letter stating this to an old address. They should realize that I am an upstanding customer after 60 months of payments with never being late once. They are refusing to take any blame in this and will not submit a reversal of the late mark with credit companies. I was told by the customer service that they would but then received a letter later stating that they would not. I have called back multiple times and spoke with a manager named XXXX XXXX with was extremely rude and not willing to help at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have numerous unknown inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Experian Information Solutions Inc.
State: NJ
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:
My credit has been pulled fraudulently. Please remove inquiry

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 2019-02-06
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian requires me to send proof that a collection was paid off by submitting documentation to the www.experian/upload. 
the site does NOT work, i have tried multiple times, addtioanlly Experian will not allow me to dispute online either.

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