BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: WELLS FARGO & COMPANY
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a dispute about the balance, I am requesting the full accounting and statement of accounts according to UCC 9-210. Also, I need a copy of the retail installment contract that bear my signature.

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 2019-02-12
Company: SYNCHRONY FINANCIAL
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:
Synchrony Bank and XXXX XXXX  will not update paid items. Being trying for 2 years. 

XXXX XXXX XXXX dropped one of my open accounts. 

XXXX XXXX and XXXX XXXX XXXX  seem to only update my reports every thirty days when I'm behind, but not when I've paid. Some of these cards haven't reported since XX/XX/XXXX. That was 60 days ago. I've paid the cards off twice since then and am being denied credit score increases that I'm owed for lowering my credit utilization.

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 2021-04-26
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I do the vast majority of my bill paying online through my checking account with TD Bank. I can log into my account usually without much difficulty. But over the past year, I have had several occasions on which I was unable to get into the bill pay section. When I click the Bill Pay tab, I repeatedly get a message that says " Task Incomplete. Hmmm, something didn't work that time. You can go back and try again, because this was probably just a temporary glitch. You can also retrun to the home screen or send us a message. '' Except you CAN'T return to the home screen. If you hit the back button from the error message page, you get a confirm resubmission message that doesn't let you resubmit! And going back and trying again doesn't work. The same Task Incomplete message keeps coming back up. 
As I said, this has happened repeatedly. It happened several times last week, yesterday and again today. 
I have repeatedly tried reporting this issue to TD Bank. It has only gotten worse. I deal with several websites, including financial institutions and retailers with financial elements to their online presence. None of them seem to have the difficulty letting me control my transactions and my money that TD has. America 's most convenient bank? Hardly!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX   XXXX XXXX XXXX ACCT : XXXX XXXX : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX XXXX, and TU via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/202XXXX 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 2020-11-17
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I have applied for an attorney with XXXX XXXX. The use First Advantage to run the tenant background checks. My application was denied based on the results of the background check run by First Advantage. I called First Advantage on XX/XX/XXXX to address their concerns. All charges are over 8 years old, some 15 & 16 years old. On XX/XX/XXXX, I reached out to First Advantaged and informed them that in the State of Texas, XXXX XXXX XXXX and XXXX XXXX. Sec, 20.05, A ( 4 ), specifically prohibits them from disclosing items longer than 7 years, My request to rectify the situation was to have a new report only going back 7 years. The dispute # XXXX, was completed with no change results, First Advantage, stated that FCRA was written prior to the Texas law is not taken into consideration. I filed a new dispute. # XXXX. Due to the extensive time line, I can not find affordable housing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Due to the limited amount of space to write the complaint, we will attach seven documents : one is the explanation of what transpired with the alleged refinancing, and the other six are exhibits supporting the written explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CCS also known as Credit Collection Services is attempting to collection an alleged debt in the amount of : {$1600.00} for their client named : XXXX. 

I have no knowledge as to what this account is about. It is not mine. In addition to that I never received and written notice to include a Notice Of Right To Dispute. 

CCS has place a collection account on my reports and damaged my credit, and I was never allowed to request validation or dispute this alleged debt prior to CCS placing this derogatory remark on my credit report as if it is valid, when in fact it is not. 

Pursuant to the FCRA, FDCPA and the Fair Credit Billing Act I was denied my rights as a consumer and this collection agency is in violation of the Federal Law. 

In addition ... ..the State of North Carolina courts requires reasonable investigation into the facts. CCS should no this. Which is why I also question whether they are permitted to collect in my State

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was toward the end of my loan modification process and have been paying a new payment since XX/XX/XXXX. When I called to make my XX/XX/XXXX payment, Wells Fargo said that they were waiting for one last piece of the puzzle from me to approve the loan modification. They said they needed a power of attorney paperwork for my father ( XXXX XXXX XXXX XXXX ), who is a co-signer to my mortgage, which had been sent out out. During the conversation to make the payment, I told them that I 'm going to be selling my condo. When I said that, they said that the loan modification is now null and void and my condo is back on foreclosure status.
I requested a payoff quote of my mortgage. When I received the payoff and I looked at the figures, it said I owed XXXX on a condo I paid for XXXX back in may if XX/XX/XXXX.
I was about 11-12 months behind on my mortgage when the loan modification process started. My loan balance was XXXX as of XX/XX/XXXX. As part of the loan modification, HUD took out XXXX to lower my principle loan balance to XXXX thus making my monthly payment lower. When I was looking over loan payoff, they added in that XXXX twice, thus making my loan payoff XXXX. I 've been making faithful payments the first of each month since XX/XX/XXXXand that money is no where to be seen in my payoff. I called them on Friday and not much help at all I almost had a heart attack when I saw these figures I want to emphasize that the reason I fell behind in my mortgage is because I had a bad slip and fallXX/XX/XXXX and have been on XXXX ever since, and have had multiple surgeries I have sent you screen shots of the original loan modification numbers and the payoff numbers

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: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX and XXXX did their jobs in no time. Experian on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Experian continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Experian is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!

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: SYNCHRONY FINANCIAL
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:
On XXXX XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit report per 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 2020-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Capital one is reporting 120 days late on my payment history I didnt receive one notification also every person I talked to had nasty attitude and gave me they run around about late payment and its inaccurate the reason that Im worried because with this inaccurate information is Hindering me from getting aproved for any thing meaning a house or a car or anything I ask that this inaccurate information Be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: ALLY FINANCIAL INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called the company were I was making payments to on XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Trying to make payments arrangements to catch on the Past Due of {$1400.00} I was behind Several payments. 
They refuse the {$1400.00} and said that they wrote the car off and wanted the full amount of the vehicle {$11000.00} the amount we Financed the vehicle for 3 years ago. The car payments were {$290.00} a month. I called my chapter XXXX bankruptcy attorney to see if the car could be added back into the plan, he said no because when we had the car in the plan my wife who is also in the bankruptcy plan, took the car out of the plan and try to make the payments on her own until she was laid off of her job in XXXX of XXXX.due to the Pandemic.

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 2019-06-01
Company: Mitsubishi Motors North America, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Had an auto loan with Mitsubishi they say we were late one month out of the entire loan. That was the month that we moved an switch addresses. I called them to give them the information of our new address. I get a call the next month stating our payment wouldnt go through. When I had them check they sent the payment through using our old ZIP Code but our new address. I asked him to make notation of this error on their part and they said that it would not go against my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: U.S. BANCORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a continual problem with mail fraud and false claims of receipt and/or sending of mail and notices. In the past I have been abused by this bank claiming they mailed me a notice which we never received so they could falsely bill my account for late charges! - This time not posting promptly my payment to avoid crediting. 

I mailed a check # XXXX to US Bank on XX/XX/2020 in the amount of {$630.00}. As of today, XX/XX/2020 I have yet to be credited of this payment to my principal. There has been a ongoing pattern of deceit and communication fraud. 
They have done this repeatedly to me on previous occasions by claiming they notified me about changes that were never received. 
Now, on the other hand, 10 days later my check has not been credited.

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 2020-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX, dispute manager at Capital One, was assigned to remove a disputed transaction. She refused to make the funds available the same day on the day my statement cycle was ending. This is unorthodox Capital One procedure. All documentation for the dispute was made available. Please encourage XXXX to find new employment for her insubordination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent this company a debt validation letter and have received no response in reference to this account. 

I also never received any notice of my rights to dispute, and they are reporting inconsistent/incorrect/unvalidated information on the account across two credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My problem is with Experian. Experian wanted me to get a new credit card. With my experience with credit cards, I do not want to get credit cards anymore. Experian owes me {$7000.00} which I need this amount. I am paying monthly the amounts that I owe. Previously, the Federals told me that I did not have to pay XXXX. It was closed. Then, Experian has to pay me back {$7000.00}. Apparently, they added the money to one account. I am paying monthly. Why do they, without my permission, used my money to pay my account? I know what I have to do. I am paying monthly. I need the {$7000.00}. It is my money, not theirs. Today, they sent me a notification that they paid for the account. I have not told them to use my money. Would you check why they use my money without my permission? They did not send me a statement. Just said that they paid the account. I can not believe on this, because the balance is higher. Not sure if they were the ones or another person without permission.

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 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I submitted disputes to XXXX - Trans Union and XXXX - Neither times did I receive any results except for the standard letters that say its valid and verified. That is not what I had requested be sent to me - I asked for verifiable proof that the accounts I am disputed were 100 % legitimately my accounts and to send proof that they were or delete them immediately from the reports I have filed the disputes with. Not one time was this done and I was it to be fixed immediately as it is hurting my credit report. As a consumer it is my right to fix in-correct items on my credit file. As an agency it is their job to fulfill my request as stated!

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 2020-10-22
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wrong information is appearing on my credit report after it has been resolved with the company. 
I filled a complain and XXXX removed it out my credit file, but it still appeared in my credit files.

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 2021-05-20
Company: EQUIFAX, INC.
State: PA
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 recently checked my credit report and noticed fraudulent inquiries on my credit report.These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
According to XXXX  Fed XXXX XXXX continues to furnish a series of late payments on credit profile. According to accounts XXXX which is displayed eleven times as nine late payments. The accounts are the same and with the reporting being calculated by FICO the inaccuracies of reporting are compromising my creditworthiness.

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 2022-08-05
Company: EQUIFAX, INC.
State: IN
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation