BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX XXXX   XXXX {$0.00} XXXX XXXX {$140.00} XXXX XXXX XXXX  XXXX XXXX {$80.00} XXXX XXXX XXXX   XXXX {$1000.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$20000.00} DEPT ED/XXXX   XXXX {$3200.00} DEPT ED/XXXX XXXX {$1800.00}

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 explanation
Consumer complaint received 2021-03-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Have been trying to get a Payoff from XXXX for nearly a month. My parents passed, and we have the property sold, we are now missing the 2nd closing date and the buyer will walk. XXXX has led us along with stacks of paperwork requests which have fulfilled every time yet still refuse to provide a payoff statement. They add more and more reasons for not providing it every time. They have death certificates, payoff requests, copies of final probate court order, you name it yet still now payoff. The title company can't close without and we are being forced into financial hardship when its a simple payoff request and the sale closes. Horrible how that do this to innocent families during our most difficult time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Bread Financial 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: Account information incorrect

Complaint:
Paid off XXXX card in XX/XX/XXXX. 

Company decided to stop reporting my balance once paid off. 

Followed up XX/XX/XXXX and I was told a system update has taken place and they have decided not to report anymore. 

I asked if they could share my balance was {$0.00} and that they actually owed me XXXX cents with the agencies and they said that they couldnt. Possibly in XXXX. 

This has been hurting my score and has me at a 103 % utilization. 

I was also told I can not receive statements unless I make more purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
HAVE A MEDICAL BILL THAT WAS PAID FROM XXXX XXXX XXXX, AND THE FACILITY THAT I WAS SEEN AT IS CHARGING A HIGH AMOUNT ON MY CREDIT BECAUSE THEY WAITED TOO LONG TO BILL INSURANCE. I HAD XXXX XXXX XXXX AND THE BILL WTLL NEED TO WRITTEN OFF. IT IS WITH A COLLECTION AGENCY CALLED XXXX XXXX AND THEY ARE VERY RUDE AND IMPOSSIBLE TO DEAL WITH. THEY REFUSE TO TAKE IT OFF MY CREDIT AND IVE TRIED CALLING THE ORICIAL FACILITATOR. NO HELP THERE EITHER. I HAVE TH XXXX FROM THE ISURANCE PROVING THE PROVIDER WAS PAID.

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 2020-11-17
Company: U.S. BANCORP
State: NH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
XX/XX/2020 I received a Visa Debit Card from U.S. Bank ReliaCard in the mail. 

I did not request this card, nor do I receive, nor have I ever applied for, government benefits. 

I attempted several times to call and cancel this account. I did not activate the card or provide any personal information although to get through on the phone menu I was asked to provide personal information, which I did not. 

I am concerned about this being a phishing scam and also that my identify could be compromised. 

There is no mechanism to contact the company and deactivate this account or remove myself from their phishing database. I do not wish to identify myself to them considering to do so, it would mean that I would have to give them more information about myself.

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 2019-08-13
Company: Experian Information Solutions 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:
The following accounts has been reporting on my credit report but either company nor the 3 major credit bureaus has ever produced any physical documentation of Verification of these accounts inwhich I have disputed as fraud due to the fact that are not mines, and as a consumer I am protected by the FTC and the FCRA laws and if you choose to be sued rather than send physical documentation or remove these accounts then that's another issue. I'm demanding the removal of these accounts. 

1 ) XXXX XXXX {$350.00} 2 ) XXXX XXXX {$680.00} 3 ) XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX  {$71.00} 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 )  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 non-monetary relief
Consumer complaint received 2020-09-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called Wells Fargo ( XXXX XXXX  ) on XX/XX/2020 letting them know that I received wrong information about my account. When I called to ask to a manager I couldnt XXXX her because I am XXXX XXXX she tells me to switch it to the other XXXX than she transfers me. I was trying to make a payment and to file a complaint about my customer service experience with the previous rep. I got frustrated because the manager would not take time to listen to me she tells Im being rude but I have XXXX XXXX so my voice projects louder not because I am angry.My XXXX is in XXXX because it is XXXX so I have limitations.

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 2018-04-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
GENTLEMEN : THE FOLLOWING, MOST RECENT LETTER TO WELLS FARGO EXPLAINS MY ISSUE. 
I HAVE TO PUT THOSE NECESSARY DETAILS WHICH SHALL ENABLE YOU HELP ME. 
I AM LIMITING A/C INFORMATION BY INDICATING JUST LAST DIGITS. 
THANK YOU. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ** Ref. : a/c XXXX of XXXX XXXX & XXXX XXXX XXXX Gentlemen : Dear XXXX XXXX XXXX XXXX : Dear XXXX XXXX XXXX : With reference to my above mentioned account and to my recent XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX visits to your branch, please, TAKE NOTICE : 1 ) Since XX/XX/XXXX, XXXX XXXX XXXX . for unexplained, unjustifiable and abusive activity is illegally retaining my sizable $ XXXX-plus balance, 2 ) Since on XX/XX/XXXX, Wells Fargo Officers in address, still refused to release my money unless " a retaliatory, coercing '' affidavit of responsibility (?? ) had been signed by me, 3 ) Since, as brought to Wells Fargo Officers ' attention, I have to purchase an apartment at the XXXX XXXX, XXXX, FL XXXX and I am in dire need to funding that purchase, Wells Fargo is hereby requested to immediately and not later that today, XX/XX/XXXX, to pay/ transfer/ deposit my available, full balance at Wells Fargo , to my account : XXXX XXXX XXXX XXXX at : XXXX XXXX XXXX  , XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ***Take further notice that by further denying / refusing / omitting this final request, XXXX XXXX XXXX . will respond in the avenue of Justice for any subsequent damage in any form and consequence however  caused to the undersigned. 

XXXX XXXX XXXX email : 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 non-monetary relief
Consumer complaint received 2023-05-11
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/10 i got a text message from Central Portfolio Inc. attempting to collect a debt. They are stating that i owe $ XXXX. I do not recall ever owing this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Time Investment Company, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX withThe Office of XXXX, XXXX XXXX XXXX for Time Investimate Company sends emails and texts with VERY abusive and threatening wording such as PLEASE IGNORE THIS AND SEE WHAT HAPPENS this happened on XX/XX/19 but was just the last time, ALL of his communications have threatened jail, credit damage, reputation damage, threatens to put in the newspaper that I am behind on payments. This last message stating PLEASE IGNORE THIS AND SEE WHAT HAPPENS has frightened my wife she thinks he is physically threatening us and I have told him several times in accordance with The Fair Debt Collections Act I do not wish for him to contact me except by postal mail, which he keeps ignoring. 

And the last 2 months I have tried to pay it by emailing XXXX XXXX as he asks me to and they never take the payment. But are adding missed payment fees and reporting it to my credit even though I EMAILED HIM TO MAKE THE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is refusing to remove/block fraudulent accounts from my credit report after being properly disputed and shown a proper identity theft report. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : XXXX  - Opened XX/XX/XXXX - {$41.00} XXXX - Opened XX/XX/XXXX - {$130.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Account # XXXX - {$3300.00} XXXX XXXX ( XXXX XXXX ) - Opened XX/XX/XXXX - {$65.00} XXXX XXXX ( XXXX ) - Opened XX/XX/XXXX- {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
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:
Please remove the 4 telephone numbers that's on my credit file. 

Last four the numbers to be removed. 

1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX Also please remove XXXX as my employer. All the above information is old and no longer shall be a part of my 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 2020-10-15
Company: TRUIST FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX. At XXXXXXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I  have never heard of. XXXX XXXXcould have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. Thank you.

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 2018-04-04
Company: Village Capital & Investment LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018 My VA guaranteed loan with a monthly payment of {$1600.00} was refinanced to {$1400.00} supposedly by interest rate reduction The field on the XXXX XXXX  application that is listed in the Lender case number box with ( XXXX XXXX XXXX ) VA XXXX XXXX XXXX Loan number XXXX listed XXXX as the refinance amount in the " Amount of existing liens box '' thus lowering payments by applying a lower interest rate from 4.375 to 3.2. I  did not realize it would cost me {$10000.00} more undefined dollars when ( XXXX XXXX  loan number XXXX listed by LIC #  XXXX, NMLS # XXXX ORIGINATOR XXXX XXXX XXXX, NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Tel. XXXX FAX XXXX ) assumed the loan and issued undefined charges and then handed off to XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX acct number XXXX When I asked, I was told nothing. The amount added to my balance when all was said and done within a practice called " CHURNING ''. I had a loan of {$280000.00} dollars and after it was refinanced it turned into {$290000.00} This loan was churned with intent to take advantage of a XXXX Veterans status with a defunct VA mortgage department that did not do its job when approving this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/2019 I bought a car from Honda Dealership # XXXX American Honda Finance. XXXX XXXX XXXX, XXXX California XXXX phone XXXX. Contract numbers XXXX VIN # XXXX the finance company did Unfair practice for approving my car loan, because the finance company did not used the ( Income to Debt Ratio ) Formula before they approved to finance the car loan. {$41000.00} Including my down payment of {$6500.00} = XXXX. Total Payments will be {>= $1,000,000}. Amount finance {$22000.00}. Total finance including 16.64 % interest is {$13000.00}. 
The car that I wanted to HondaXXXX XXXX  XX/XX/XXXX. But they sold me the car without showing me or telling me the price of the car. And importantly they did not sold me car that I wanted XXXX XX/XX/XXXX .Instead dealer sold me the XXXX XXXX dealer did not even show me the car that I was buying and did not allowed me to test drive the car if I like It. If They did allowed me to test drive the car definitely I would not bought it. The reason Unfair Practice was used to me because my income is base on My social security XXXX {$940.00} monthly. And my car payment {$490.00}. the finance company did unfair practice knowing that I will go to default. I severely suffer that I was in the verge of mental breakdown of how could I live? how will I Make car payments? with the amount I am getting from XXXX.`

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts were opened up fraudulently and I'm demanding the immediate removal of these unauthorized and unknown accounts, please remove and block the following 1. XXXX   {$4700.00} 2. XXXX XXXX {$0.00} 3. XXXX XXXX {$560.00}

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 explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX transunion have all my information wrong attached a copy of the wrong information please remove 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 2020-07-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hi i am XXXX XXXX XXXX here.. 
on XX/XX/2020 that my credit crad XXXX XXXX XXXX XXXX was been charged by XXXX XXXX But the problem is i didnt booking any XXXX in XXXX.. 
so i called up hsbc and requested them to investigate ... .but end the end no answer from them ... ... .they already investigated about 2 month plus ... .now everymonth keep on charging me Finance charges..its really unfair to me ... .At the end i have to asked for help from consumer bureau ... .hopefully hear from u soon.thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: JPMORGAN CHASE & CO.
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:
Account with Chase Card showing that it was open on XX/XX/2011 with a balance of {$390.00} submitted several requesting the information be remove due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
CapitalOne hasn't provided me documentation for these disputed transactions. 
capital one reversed these charges and charged back to account upon the request of investigation documents and this has NOT been provided upon multiple requests. 


XX/XX/21 XXXX XXXX {$30.00} XX/XX/21 XXXX XXXXXXXX {$21.00} XX/XX/21 XXXX XXXX {$27.00} XX/XX/21 XXXX XXXX {$30.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Essential Lending Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was reviewing my credit report & noticed this account reporting on my file. I dont recall ever taking out a loan with this company & it is my understanding that proper debt validation should include a copy of a signed contract between myself & this company. If this information can not be provided then according to the FDCPA this account must come off of all 3 reports. It is also my understanding that computer printouts do not suffice as proper debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My name is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX. My phone is XXXX. On XX/XX/2020 I purchased a new XXXX from XXXX XXXX  XXXX Texas. I traded my the. Nissan in for the new one and financed through NMAC. I was told by the dealership that they would be paying off my trade-in loan right away. On XX/XX/2020, a draft in the amount of {$740.00} was removed from my checking account. This had been the loan amount of the vehicle I traded in weeks before that was supposed to have been paid off. I called the dealership and was told by XXXX in XXXX, TX that NMAC in XXXX, TX said that they were sending me a check for the overpayment. It is now XXXX and I still havent gotten my money back. I feel they are fraudulently withholding my overpayment. I have phoned them countless times since this took place and they have promised they have sent the check. I called when I didnt receive it and was told they sent it to the wrong address. I verified my mailing address with them. Bear in mind that this is the fourth vehicle I have financed through NMAC. I know they have my address becI receive promotional material from them frequently. The people with whom I have spoken on the phone assure me my check has been sent. However, after numerous promises of payment XXXX havent received it. The dealership in XXXX TX is Nissan of  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX. NMAC address is XXXX. XXXX XXXX XXXX, TX XXXX. I truly end my money returned to me as promised. This is so unfair and I feel cheated since I have purchased four vehicles loyally fro. The dealership and financed through NMAC. Please help me resolve this. I am getting nowhere with the dealership or the finance company. Thank you!

Company response to consumer: Closed with explanation