BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-18
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:
THESE ARE FRAUDULENT ACCOUNTS AND THEY HAVE NOT REMOVED THEM

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 2022-01-10
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sequium is reporting the same debt as XXXX collections. Sequium needs to remove this debt as soon as possible!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
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:
cra and hippa violation taking more than 30 days inaccurate information sent the po report too many to count the XXXX breach has cost me my life they are taking more than 30 days not 100 % correct

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 2017-10-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo Bank Account Fraud. Each month Wells Fargo took funds from my CHECKING ACCOUNT, until it was no funds. When I notice, I stop making deposits to my account. Each month Wells Fargo remove funds from my account, large amounts. I 'm not sure if that account still their.

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 2021-03-09
Company: Experian Information Solutions Inc.
State: OR
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 or about XXXX, I applied one time for an auto loan with XXXX XXXX XXXX XXXX in XXXX, Oregon using a finance company doing business as XXXX XXXX. On XX/XX/XXXX ( seventeen years later ), XXXX XXXX XXXX based in XXXX, Oregon made at least two unauthorized inquiries known as " hard inquiries '' into my personal credit report by way of at least two credit reporting agencies known as XXXX XXXX XXXX Again, these inquiries were done without my permission. I called XXXX XXXX XXXX XXXX, Oregon and spoke to a woman who answered the phone. I told the woman that the company she answered the phone for had no authority or permission to do a hard pull on my credit report. I also requested that the inquiry be withdrawn from the credit bureau record. The woman disagreed with me and went further to say that she believed that XXXX XXXX XXXX XXXX could and would perform a hard inquiry once a month with all three credit bureaus until the end of time. I contacted the credit bureaus listed above and their customer support people told me that the only way to dispute the unlawful inquiries was through a form or process through the Federal Trade Commission. The Federal Trade Commission forwarded me to this website.

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 2021-03-09
Company: Vital Solutions, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection company contacted me about a medical debt from two years ago for an emergency visit. I explained to them that I always had insurance and my emergency room copay was {$250.00}. They told me I owe {$1500.00}. I provided them with my insurance information. They did not reply to the information I provided via email to the representative that contacted me, and after a couple of weeks resumes calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: CCS Financial Services, 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: Was not notified of investigation status or results

Complaint:
XX/XX/2021 I MAILED " CREDIT COLLECTION SERVICES '' XXXX @ XXXX, 2021 THEY RECEIVED MY DISPUTE. 

DATA FURNISHER FAILED TO MARK ACCOUNT AS DISPUTE AND FAILED TO RESPOND TO MY DELETION REQUEST IN A TIMELY FASHION. THEY ARE REPORTING TWO DIFFERENT OPEN DATES, HOW IS THAT EVEN POSSIBLE? I ONLY HAD 1 ACCOUNT. ONE BUREAU IS REPORTING OPEN ACCOUNT STATUS THE OTHER IS REPORTING CLOSED ACCT STATUS. PLEASE DELETE BECAUSE OF INACCURATE REPORTING AND VIOLATION OF 15 U.S. Code 1681e

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: EQUIFAX, INC.
State: OH
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 below inquires do not belong to me and I did n't ask for credit, I want these removed from my credit report. 





XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Wr XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + Misc. 




XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + Bank XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX, I received an email from XXXX XXXX XXXX indicating that the promotional period from a balance transfer ( {$1200.00} ) would end in 90 days (XX/XX/XXXX ). During the next payment cycle ( XX/XX/XXXX ), I made three payments ( {$110.00}, {$300.00}, {$400.00} ) in just over a week 's period. When I checked the status of my account to check on the progress of paying back the promotional amount. Only a small amount of my payment ( {$92.00} ) was applied to the promotional balance for the first two payments total of {$410.00}. When I noticed, very little change to my outstanding promotional balance, I called customer service at Bank of America ( today,XX/XX/XXXX ) to determine what the issue was about applying my additional payments to the promotional balance ending in early XX/XX/XXXX. I was told that because have a balance in addition to the promotional balance that I can not direct payment to the promotional balance and they will not pay the promotional balance ( except for a nominal minimum ) until my other balance is paid completely. They reiterated that the highest balances are paid first and since I have a promotional balance of 0 % that wo n't have payments applied other than the minimum payment amounts until my other balance is paid. They suggested that wait until after XX/XX/XXXX after my promotional period has expired. At this point, the promotional balance has a non-payoff penalty APR ( 19.99  % ) that is higher than my standard APR ( 9.99 % ). At that point, payments I make ( with the exception of a minimum balance to the lower APR ) will go towards what was my promotional amount. It will also cause me to incur any deferred interest, which I imagine will be added to the principal amount at the higher APR. What is even more frustrating than these predatory practices, that this credit card is labeled as socially responsible and ethical -- this is a working assets credit card. After I was told that I could not apply any of my additional payments, I cancelled the extra payment I made today ( {$400.00}, XX/XX/XXXX ) and had them return the additional payment I made on XX/XX/XXXX ( {$300.00} ). Very disappointed in XXXX XXXX XXXX and 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 monetary relief
Consumer complaint received 2018-01-16
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of 2017 I applied for a XXXX XXXX Credit card and got approved. After I was approved I purchased a few items and then had a bill the following month. I went to pay the bill and XXXX XXXX  charged my checking account twice, so I called the company to ask why. While speaking to a customer service representative the individual began yelling at me and speaking to me in a very vulgar way all over me asking why I got charged twice and why he could not help me figure out why. I brought up the situation to a manager and she said, '' oh well, there is nothing I can do about it. '' I was then charged two fees. I refuse to pay these fees due to the fact that I paid my bill and under their negligence I got charged twice. Then in the midst of this my husband who is in the XXXX got orders to move to another state. For two months I did not have a job and had no place to live since we had to find a house in the new state we got stationed in and I had no luck finding a job. I was unable to pay my bill and tried to reach out to a customer service representative and once again they were of no help and rude as ever. Now I have penalties against my account and my credit score and I do not feel this is right and this company needs to work on treating their customers better. Never have I ever been yelled at and disrespected by a customer service representative until then.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I make an atm check deposit for the amount of XXXX USD on X/XX/17 XXXX XXXX PST @ a Wells Fargo location. Was never made available to me. Not even ( XXXXusd ) there was no return reason and was adjusted out of my account with the description ATM Dep error. Later after I acquired proof of payment ( POP ). I noticed there was two deposits on the date of XX/XX/XXXX. One was an atm deposit and one was done the branch. both have different account and check numbers. Only one has available image. Wells Fargo has not credited my account for either deposit and claims to have no records of the 2nd counter deposit done inside the branch. advised me to seek legal action.

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 2019-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Dear CFPB, There has been no response from Bank of America to the appended correspondence. Could you please tell me how to proceed? 

Thank you. 


To : Bank of America - Executive Resolutions  <XXXX> Date : XX/XX/XXXX Dear Mr XXXX, In XX/XX/XXXX last year you were able to provide some assistance with my BOA account and I hope that will be the case again. 

As you may see in the appended message, last month I made transfer abroad which, with other banks in the US at least, routinely incurs Withholding tax. My question remains unanswered Whom must I contact, by e-mail, to get a reply? 

Thank you. 

Best regards, XXXX XXXX -- -- -- -- Forwarded Message -- -- -- -- To : XXXX XXXX XXXX Subject : International wire # XXXX Date : Tue, XX/XX/XXXX XXXX XXXX From : XXXX XXXX <XXXX> Dear Bank of America , Thank you for the recent USD wire transfer to XXXX. Can you please tell me why 10 % federal Withholding tax wasn't applied? Isn't this usual with transfers abroad? 

Best regards, 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 2020-05-05
Company: DISCOVER BANK
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a default judgement file against me from XXXX XXXX XXXX XXXX which is in XXXX, OK. They never serve me any papers so I knew nothing about this until I got a letter in the mail. I have sent them multiple letters asking them for Validation of debts and they have yet to show me proof of this allege debt that they claim I owe them. They have only sent me statements which shows that this allege account that they say I owe is pass the statute of limitations in my state which is 5 years in Arkansas. And I also thought that I was suppose to get 30 days to answer them back for the judgement they file against me and they didn't give me the 30 days to answer back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit score has been severely negatively impacted from Ford Credit reporting 30 days past late on my payment history for my XXXX XXXX  XXXXI have a XXXX XXXX  XXXX, as well as a XXXX Ford XXXX with Ford Credit and at the end of XX/XX/XXXX I requested a payment extension for both vehicles therefore my XX/XX/XXXX payment was not due. When i log into the new account manager.ford. com website I see that the payment extension is only showing for my XXXX XXXX  XXXX and not my XXXX XXXX  XXXX  even though i requested the extension for both vehicles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Reporting company used your report improperly

Complaint:
I submitted a complaint to XXXX  through CFPB and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that XXXX should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in XXXX or any other credit report file, randomly for no cause. XXXX deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. XXXX has had 4 years to work on this issue and should have declined the bank 's faulty objection in XXXX They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more 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 2018-01-16
Company: Dovenmuehle Mortgage, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good Morning, I contacted the City of XXXX on XX/XX/XXXXregarding the payment of my XX/XX/XXXX property taxes and they stated that have yet to receive them. I called Dovenmuehle Mortgage, Inc. to find out why my property taxes had n't been paid. I spoke to a XXXX XXXX and he explained that a check was sent out on XX/XX/XXXX to the City of XXXX, check # XXXX in the amount of {$2600.00}. I explained that they never received it and he said he would check into this matter. Not sure why I was told this as I elected the check be sent directly to me at the end of the year. I called Dovenmuehle back onXX/XX/XXXXand spoke to XXXX XXXX and she explained that a check was sent to me directly and I explained to her that I never received it ( she could n't provide a check number the amount or a date it was sent out ). She then explained that a work ordered was opened stopping the last check and a new one would be issued within three ( 3 ) days. 

I once again called Dovenmuehle Mortgage, Inc. onXX/XX/XXXX( 7 days later ) regarding the status of the " new '' check being issued to me. I was told that a new check was not processed yet, however they had to stop payment on the other check, so it 's taken a little longer. I was frustrated, so I entered their chat room hoping trying a different avenue in getting answers. I chatted with XXXX and he explained the same thing, a new check would be issued to me in 3-5 business days. I felt hopeful. 

I just contacted Dovenmuehle Mortgage, Inc. yet again today (XX/XX/XXXXXX/XX/XXXX ) and spoke to XXXX regarding this matter and yet again was told the check was " in process '' of getting created and sent out to me. I asked to speak to a supervisor and was connected to XXXX. XXXX explained that since they had to supposedly " two '' checks, this process is taking longer than usual. He added that since it was past XX/XX/XXXX, the check would now needing to be sent directly to the City of XXXX for processing. He said that the new check being sent to the City of XXXX would be processed by Friday XX/XX/XXXX. 

I have been chasing my property tax check from Dovenmuehle Mortgage , Inc. for over one month now and it 's very frustrating to say the least, especially since I pay my mortgage/escrow on time every month. This company is very unprofessional and should be ashamed how they handle their customer 's business. I am never given a consistent answer to any of my questions and it seems very odd that no one knows check numbers of these ghost checks and dates they were supposedly sent out. Very shady! I hope someone can assist in this matter. 

Regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was told by the company I purchased the car from that my payments would be using simple interest where my interest payments would be constant. I also feel like I was taken advantage of in my situation without a car and they gave me an interest rate over 25 % that will never be paid off. I have had the loan for 3 years and I owe more on it now than when I originally took out the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: AZ
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've been a victim of identity theft and I'm suffering from punitive damages. I've mailed letters to all three bureaus Experian, XXXX and XXXX and the companies but and still haven't been removed. All the accounts listed are fraudulent and need to be removed! XXXX XXXX XXXX  {$25000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX XXXX {$29000.00}

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 2021-09-05
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX reported a late payment in XXXX of 2020 on my account. XXXX XXXX XXXX pledged to not report late payments during the earlier parts of the Covid pandemic as there was a global financial crisis.

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 2021-11-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX there was a collection account placed on my credit report from Wakefield & Associates for {$3800.00}. This debt came from XXXX XXXX originally in XXXX after attending school there. XXXX informed I was unable to make payments to XXXX but I would have to wait for the account to go to a collection agency and pay the collections agency. It was sent to XXXX and I set up $ XXXX monthly payments with them. XXXX, XXXX, and XX/XX/XXXX bank statements show the automatic payment coming out of my account. Then it stopped. There was no communication about this. Nothing by phone, email, or mail. They have my correct address on file. And now my credit has suffered drastically because of this account being added as past due when I had no knowledge of it and XXXX failed to inform me of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am getting daily robocalls from Harris and Harris collection agency. Latest call was today, XX/XX/XXXX, at XXXX pm. I don't owe any debts, period. They are calling in error. 

I'm filing a complaint about Harris and Harris of XXXX, Illinois, ( XXXX ) XXXX, https : //www.harriscollect.com/contact/. They do not answer their phone during their stated business hours, nor have returned my message left on their voicemail. 

It is possible they have mistaken me for another person, as I occasionally get calls for someone I do not know, but who apparently had my number many years ago. That's a guess, I don't know. I have had this same phone number since XXXX. 

Harris and Harris is engaging in harassment and have made themselves deliberately difficult to reach. I want it to stop immediately. 

Please help me. Thank you.

Company response to consumer: Closed with explanation