BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX XXXX XXXX XXXX XXXX  Md XXXX XX/XX/XXXX XXXX XX/XX/XXXX Verification letter in response to letter received on XX/XX/XXXX. 






To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX GAXXXX Dear Consumer Center I have recently looked at a copy of my credit report and see that you are providing inaccurate information about a bankruptcy that was filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already confirmed with the courthouses that this bankruptcy was filed and I was informed that this information was not provided by them, as they explicitly stated that they don't report information to anyone.See exhibit A. 
I am positive my information was obtained from XXXX  to obtain inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to this bankruptcy is extremely inaccurate. My credit is being negatively impacted due to your neglectful reporting and I demand XXXX remove this bankruptcy from your system. It is not fair that you can simply snoop around and report only half truths and cause so much distress. 
You are in violation of my consumer rights under 15USC1681a ( 4 ) consumer right to privacy. This bankruptcy should not appear on my credit report. Congress says that I have the RIGHT to deem what is and isn't private and I DEEM THIS BANKRUPTCY TO BE PRIVATE AND THIS MISLEADING FALSE REPORTING Is giving me severe anxiety. You are liable for all damages and I am seeking litigation! 

Please remove immediately. 



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 2019-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I submitted complaint number XXXX with the CFPB. When I contacted the bank they told me that they do not have any of my information on file but they have informed the CFPB that they need my authorization to proceed.

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 2023-01-25
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wire transfers taking too long. Wire transfers should be initiated the same day. This is now my 3rd time initiating a wire with XXXX, which is taking days. This most recent one is on the 4th business day. This is not acceptable and defeats the purpose of a wire transfer ( instant ). I will be closing my account with them ... this screams of a bank that 1 ) doesn't care about it's customers ; and 2 ) that likely has logistics issues allowing it to process wire outs in a timely manner. I've called and verified the outgoing wires twice now. Both times were a success and still no wire initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: TX
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:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this with the company as well as asked each credit bureaus to investigate. Nothing has been done about this debt. I have not any knowledge of this debt prior to it being reported. This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Fay Servicing, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have had continuous issues with XXXX XXXX. They refuse to speak with us, and keep hanging up. A minimum of XXXX times we have been hung up on. They are scamming us. Currently our XXXX for 2017 is incorrect and they will not speak to us in regards to this. It only shows our interest payments of {$16000.00} from our regular monthly payments. However, there were additional interest payments made via our chapter XXXX in the following amounts that they are not reporting. We believe they are hiding this revenue. 
XXXX {$1500.00} XXXX {$1000.00} XXXX {$1300.00} XXXX {$1000.00} XXXX {$980.00} XXXX {$1200.00} XXXX {$1100.00} XXXX {$680.00} XXXX {$570.00} XXXX {$550.00} XXXX {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Mr. Cooper Group Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX ... My wife and I purchased a home ( XX/XX/XXXX Closed on the Home ) ... we went through Champions Mortgage ( Seminole Branch ) originally. The loan was denied 2 weeks prior to closing ( we were sent a Denial Letter ) and my wife and I found a different Lender ( XXXX ) and completed the purchase on XX/XX/1st2019. On XX/XX/30th2019 I received an email from Champion Mortgage Processor that included an autorization form for Fees they want XXXX and I to pay. I contacted Champion Mortgage stating the charges are unwarranted. A XXXX XXXX ( Branch Manager from the XXXX Branch ) contacted me via email ... I responded and she did not reply. I am a client of XXXX XXXX XXXX XXXX  XXXX XXXX  ( XXXX ) so I contacted XXXX XXXX XXXX the Center Manager yesterday XX/XX/XXXX to inform her of the issue. Mrs XXXX took charge and was contacted by XXXX XXXX and informed that this charge was a mistake and that Mr XXXX XXXX from Champion Mortgage was fired due to this matter. I did not receive any email from Mrs XXXX concerning the issue. I called today XX/XX/XXXX and spoke with Mrs XXXX and she apologized ... but when I asked her to email me with the apology and provide in the email that the charges are invalid ; Mrs XXXX was not happy. She the PROCEEDED to contact my Employer, My Boss at Work to discuss with my employer!!! UNREAL!!!! I find this action  beyond ludicrous and 100 % unacceptable. This Company needs to take action against this Branch Manager who is  going around contacting former clients employers. I am beyond upset and I request a formal investigation. XXXX XXXX XXXX XXXX Any and all documents will be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: RSVP Lending, LLC dba RSVP Loans
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have called and emailed RSVP many times since XXXX to have the bank account information updated for my loan payments. To date the information is not updated, resulting in missing/late payments. I have been charged their very high rate of interest on the missed payments balance and the missed payments have been submitted to my credit report. They recently threatened legal action although the late/missed payments are a result of their error and failure to follow my instructions. I have followed their instructions on how to have my account updated for each of my attempts. There was a recent phone call where RSVP admitted their error but did not reverse the undue interest and they still have not updated my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: U.S. BANCORP
State: AZ
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 bought a US Bank Mastercard gift card for {$200.00} from XXXX XXXX on XX/XX/2019 ( Receipt attached ). I am unable to retrieve the balance by going on the website as well as when trying to call in to the service at XXXX. It says ''due to the status of your card, we can't process your request. '' I am unable to get in contact with anyone regarding the status of the card. 
I have attached a picture of the prepaid gift card front and back so you can check that it doesn't work. It in not past 12 months so it can't be empty due to inactivity. From a previous letter, I also called XXXX and couldn't reach anyone.

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 2019-11-07
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the past year, my attorney and I have been able to somehow succeed with a mortgage modification through or with Shellpoint mortgage services. The modification should have been finalized in XX/XX/2019? However! I have little to nothing provided to me via Shellpoint reflecting the finalization. Unfortunately as of XX/XX/2019 I have yet to receive the new modification agreement! However the expectation to continue my over inflated payments has not stopped, and although my mortgage is now " supposedly '' brought current, I'm still dealing with a debt collection agency being " Shellpoint ''!? I'm now being told that I'm 1 month behind in payments and that on XX/XX/2019 an attempted account withdrawal by Shellpoint had been denied. Well, there was enough to cover the transaction on the date indicated, in the account assigned for the withdrawal. Also to further back my complaint, there is absolutely nothing showing within my account that would depict the failed attempt. No NSF notice from my bank, no call, email or mailing from Shellpoint. Nothing!! 
Also, within the supposed modification agreement, the new rate of interest being charged to me is a whopping 5.75 %! In a current market where mortgage rates are being written at 3.5 % or less I find the 5.75 % rate to be unsettling and unjustified. We have also received notice the case hads been dismissed in it's entirety without prejudice. However! There is no case docket listed within the county clerks records?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Bread Financial Holdings, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Dear Sir/Madam : My name is XXXX. I opened several CDs and Savings accounts with Bread Saving. I even set direct deposit with Bread Savings. Recently My CD matured on XX/XX/2023. I need this money for my mortgage down payment. Because the down payment has cutoff date. I contact Bread Saving early. the first agent said <...... Please allow 1-3 business days processing time for funds to be sent to your external account ending in XXXX ... ... >. On maturity date XX/XX/2023, I called Bread Savings to inquire when I will receive my money. An agent said that they need a statement from my external bank account. I asked why the first agent didn't tell me this requirement and I this external bank account is already in my Bread Savings ACH transfer list ( and already successfully ACH transferring several times ). She insisted I must submit the external bank account statement. I did it in the same day. She promise me by sending me message < ... ... Your statement has been submitted for review. Please allow 3-5 business day for processing ... ... >. Today is XX/XX/2023, I still haven't received my money. I contacted them again, I got an answer < ... ... I do apologize for delayed process. Your pending review for statements were approved this morning and funds are in process to your Financial Institution within 3-5 business days ... ... .>. 
I am really upset. The worst thing is I missed the Cutoff date the mortgage company set for me. How can a bank hold my money for 2 weeks when it matures. 
Thanks. 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-29
Company: CURO Intermediate Holdings
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I am XXXX, over XXXX years old, and I live of $ XXXX/month in  XXXX income. On XX/XX/2019 I acquired a {$500.00} title loan. At the time of signing the loan, I was unaware, that my vehicle was used as a collateral for the loan. I was told by Speedycash Customer Service, that Speedycash would never repossess vehicles, because that " was not worth it ''. 
Due to increased medical expenses due to my XXXX I felt behind with my payments. I contacted Speedycash Customer Service and they were absolutely unwilling to respond to my payment plan proposals and also very rude. All they did, is to overwhelm me with collection calls. So I wrote several letters to their Company Headquarters and also to their CEO 's office, proposing several different payment plans, that would allow me to pay off the loan with lower payments. I never received an answer to my requests. I tried a complaint with the XXXX  in their area, also without success. 
I simply do not know, what else to do, so I sent another letter in XX/XX/2019, asking them to write off the balance, if they are unable or unwilling to solve the issue with me. 
However, I did make several payments in the beginning of the loan term, but Speedycash did not deduct them from the overall loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I was prompted to open a new savings account with Wells Fargo based on a targeted message/advertisement I received in my online log in at the Wells Fargo website. 

I opened the account, met the deposit requirements ( minimum funds + recurring transfers ) and have not received my bonus. 

I inquired online with Wells Fargo and was told to go in branch. In-branch they were unable to assist me as they said they could not help on online promotions. Therefore, I am reaching out in an attempt to get someone who can resolve this issue. 

I would like for Wells Fargo to honor the {$25.00} bonus they promised me for expanding my relationship with them ( see attached screenshot I took of the online offer ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15
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: Personal information incorrect

Complaint:
XXXX XXXX sent a letter to me informing me of this XXXX XXXX open and Acct XX/XX/2021 for amount of XXXX which is false i did not they stated afte conducting a through investigation into this matter we concluded that someone did obtain a loan with our company using XXXX XXXX personal information 's

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12
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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting Credit card approvals. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX, I had a checking account with Frost Bank and reported unauthorized charges on my account on XX/XX/XXXX via Frost webservice as instructed on website as well as in writing via mail due to me not being able to go to a branch due to illness. I never recieved any feedback regarding the disputes which also caused my checking account to be over drafted as well as accumulate fees and has since been sent to collections and is being reported to my credit report negatively and has caused me issues with opening another account due to XXXX  which would have been avoided if my claim was processed correctly and credited in a timely manner ( cardholder agreement states if notice is giving timely of unauthorized use and investigation requires 10 days or more temporary credit will be provided and visa agreement states zero liability. I was also missing credit from unauthorized charges I had reported in XXXX. 
Ssn XXXX Address XXXX XXXX  XXXX XXXX. 
XXXX XXXX Tx XXXX Phone:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Receivables Management Partners, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I hired XXXX XXXX XXXX last year to help consolidate and pay off credit card debt especially my Discover account which had a big balance. As the months went by they were never paying Discover. At the end of XXXX last year my checking account had a levy put on it and all my money was taken in a garnishment. This was the day before rent was due in a new apt . I was left with nothing to pay rent or anything for food and to survive. An attorney 's office working with Discover did this for non payment. After going back and forth with Discover and XXXX XXXX XXXX. Discover stated they would have taken {$250.00} a month towards my debt and XXXX said that Discover would never negotiate so they made no payment and yet I was paying XXXX {$440.00} a month. That weekend I starved and was worried I would be kicked out of my apt . which had just happened to me because the place I had rented for 3 years the landlord died and the family wanted to sell the house and I had to move within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This is regarding XXXX with-holding a transaction fee when it suppose to be reversing or refunding a transaction that was beyond my control. The sender happens to send me money as a business, when I am not nor did I register as a business. 
On XX/XX/21, a person sent me money for {$510.00}, which XXXX charges a 3 % fee of {$15.00} because they sent it as a business and not to a friend. XXXX did NOT offer me any option to reject the transaction and therefore allow the payment to be received, and I got {$500.00}. 
I then issue a refund, in thinking that the transaction would be reversed, and {$500.00} would be taken out, but instead when the refund completed, XXXX took out {$510.00} from my account and withheld the fee of 3 % - {$15.00} There needs to be consumer protection since XXXX did not give me any option to reject a transaction if they already intend to hold the 3 % fee and not fully reversing the transaction. No notice was given. More regulation is needed since I made many attempts to get an answer and to help me dispute this, but I'm unsuccessful due to their excuse that it's Covid. 
This is just blatant robbery since I had no control of sending/receiving the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX XXXX Balance : {$670.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
- I have a collection account for {$5300.00} with National Credit Systems , Inc that I believe is due to Identity Theft and has damaged my credit report and has caused me to be denied for credit. 
- Company refuses to assist me and remove the balance from my report and record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion, XXXX, and XXXX are reporting incorrect addresses 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 non-monetary relief