BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I went through a very turbulence time of my personal life, iwas not aware that bank of America have systematically release fund from my acct to a hacker, I found out and have contact the bank fraudulent department they have reverse some money but during that period the bank also charges me approximately 1300 to 1400 overdraft fee I have demand them to give back the fund they have refuse and claim it was to old, I have been a victim of both side please help

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 2020-08-28
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a PayPal account and on XX/XX/XXXX my son had his backpay for unemployment deposited into my PayPal. XXXX PayPal accepted this deposit then limit my account so I could not touch this money nor could my son who is also on my PayPal account. They sent me a thing to fill out asking how I got the money what did I sell to get the money they wanted receipts and so on my iD I provided them with what I was able to my ID so on I didn't have a receipt because I didn't sell anything I explained to them it was back pay for unemployment. Well they decided that I could no longer do business with them but I could not close my account and that I would not have access to my funds for 180 days in case if charge backs well I don't sell anything with my PayPal so there is no way of charge backs. This money we waited on for months about to lose everything. And once the money came we couldn't touch it. If it was AGANIST there user aggrement then why did they accept the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Flat Six Holdings Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I borrowed {$600.00} initially from XXXX  XXXX. I paid the loan off on XX/XX/19. I owed {$400.00} at the time and paid {$470.00} and change to pay it off. It had a XXXX  balance as of that day. Now they are charging additional interest and say I owe fees for keeping the line open. I told them it was closed when I paid and didn't reborrow. There isn't a principal balance to accrue interest or fees on beyond the payoff day. They want me to give them an additional {$140.00}. They said you can pay off anytime, but are trying to collect interest and fees on a XXXX  balance. They were taking fees every other week for keeping the line open. When I paid it off there is no basis for fees or interest after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XXXX XXXX has reported incorrect late monthly payments to all credit reporting agencies. It reported incorrect information from XX/XX/2020 to XX/XX/2020. Four out six months were reported incorrectly. I wrote a letter to XXXX XXXX to try to correct the issue and they continue to disagree. I have called and no one says they can help me. I have been trying to resolve this dispute for several months now. Very disappointing in the middle of a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: GFS II, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Today is the 3rd time XXXX  at Gateway Financial has contacted my family/friends without attempting to call me first.  I have repeated asked that I be contacted first on my cell and at least give me an attempt to answer her call prior to contacting my family.  I consider this harassment.  In addition, I have repeatedly advised them that I will be getting a bonus on XX/XX/XXXX.  They count the payments late but consider each month two payments because they are bi-weekly payments now versus monthly.  I have paid well over what the truck is worth and still owe triple what it is worth.  I got locked into this loan by a shady dealership (XXXX).  I was rushed into signing documents and got caught in a loan that is ridiculously upside down from the very beginning.  But I am taking ownership and paying it.  I have gotten in a few situations financially with job losses of my fiancé and it has been a nightmare trying to deal with them through it.  I have had other companies who were much easier to work with (XXXX XXXX for example).  I am tired of this constant harassment and threats to repo via email but then I can't email back my plans to pay (I have to talk to XXXX and be degraded like a school child).  I have had enough.  It should be against the law to continually contact family/friends without attempting to contact the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
State: AZ
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:
I am the victim of an identity theft where a credit account for {$4000.00} was opened using my information. Part of the false info used indicated I lived in the State of Indiana. I have never lived in Indiana, and I have significant proof of my residency. I filed a police report for identity theft and notified the creditor of their false account using my stolen identity. I also notified all three credit bureaus and provided sufficient proof that the account in question was fraudulent. Experian has ignored the evidence and is still assessing ownership of this fraudulent account to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
XXXX XXXX is inaccurately reporting my old XXXX XXXX account as having multiple late payments and being closed in XX/XX/XXXX. After submitting 2 emails directly to the CEO I received calls from his office assuring me the account was reporting correctly. I asked for copies of my prior statements. Upon receiving these statements I had immediate proof of statements showing activity into XX/XX/XXXX long after they claimed it was closed, and no proofs of lates on months they are reporting as such.

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 2020-11-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried on several occasions to obtain my EQUIFAX report via XXXX and am unable to. I can access the reports for the other reporting agencies from the site. When the the website routes me to equifax equifax asks me questions that are not related to me and then states it can not authenticate my file. I have reached out to equifax several times and told them that it looks like they are asking questions pertaining to someone else and they refuse to look into it. The last time I called was XX/XX/18 and the rep actually said there is not enough information on my file so the website asks random questions. I filed two XXXX  reports because of this issue. In XXXX Equifax responded via XXXX  that they would look into the the matter but they never did. I called Equifax a few days after the XXXX response and the representative said there were no notes on my file about me having issues accessing my account despite numerous complaints. I also sent two messages to XXXX to inform them I can not access equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
HI & HOW'S COVID-19? I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2018 for 30 days? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: FORD MOTOR CREDIT CO.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought the car in XX/XX/XXXX, a XXXX XXXX XXXX. My payments were due on the XXXX of every month since purchase. All went well until XX/XX/XXXX. My auto payment was not made on XXXX. I was not made aware of this until XX/XX/XXXX. I was not aware of the auto payments not being made. I spoke with a man named XXXX a supervisor, on XX/XX/XXXX, and he made a new contract with me. He said he would put XX/XX/XXXX, and XX/XX/XXXX payments on the end of the note if I would make a payment that day. If i got the payment in before XXXX, and gave him the tracking information from XXXX XXXX, he would do his part with the 2 payments. I did this and left the requested info on his voice mail before XXXX. I thought all was good. I made another payment in XXXX on the XXXX. I spoke with another supervisor named XXXX on the XXXX. She told me she spoke with XXXX, and she would do his job for him only 14 days late. She did this only my XX/XX/XXXX payment was applied to the XXXX payment because it was the oldest payment on my account because XXXX did not do his part by moving it to the end of the note. So my XX/XX/XXXX payment was not moved also, when I made the next payment on XX/XX/XXXX, XXXX was reported 60 days late, and XXXX was reported 30 days late. If XXXX moved them on XX/XX/XXXX as agreed, no payments would be late, yet I am now reported as 60 days late in XXXX, XXXX and 30 days late in XXXX, XXXX. Not true because XXXX breached our amended contract and I performed as agreed. 
Now lets come to the next issue with FMC and payment reporting. 
XX/XX/XXXX, I made a payment to Ford around the XXXX of XXXX, XXXX. It was paid by my bank on the XXXX of XXXX. I sent in the bank statement proving this. Ford has lost this payment. Now into XXXX, XXXX. I made a payment to not go 30 days late on XX/XX/XXXX. XXXX cutoff time for crediting same-day payments is XXXX XXXX. I made the payment through western union at XXXX XXXX on Friday the XXXX. That is the XXXX day since the previous due date. But that day is not over as far as calendar days until midnight. I told ford I was not 30 days late, I was actually 29 days and 19 hours past due. They could not report me 30 or more days late. The courts have ruled those days are calendar days not business hours days. FMC is harming me once again. They lie, break agreements and do not follow the law. Their policies do not rewrite laws. I did not go 30 days passed due, that is a fact in the record. 29 days 19 hours is NOT 30 days, simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I had a credit card with XXXX XXXX. Card # XXXX XXXX XXXX XXXX. Card was open on XX/XX/XXXX with a limit 0f {$1600.00}. At some point I had financial difficulties and was not able to keep up with payments. Eventually, credit card amount was charged off by the company. But I was able to settle the account in XX/XX/2014. Despite meeting my obligation, the account has not been updated w/ credit bureaus. I have discussed this twice with XXXX XXXX without getting anywhere. I would like help to get XXXX XXXX to update this account with credit bureaus. 

Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had an old account deleted from my credit file by all 3 CRA last month and this month Equifax has since added it back to my credit file ( XXXX XXXX XXXXt ) is the account however I have not received any supporting verification stating that the account belongs to me and according to the CRA once any information/account has been deleted based on lack of verification of a dispute, any subsequent reporting can not be reinserted unless accompanied by a Certification of Accuracy that provides the missing certification. See FCRA 611 ( a ) ( 5 ) ( B ). That requirement applies to any furnisher, not simply to the prior furnisher. The CRA must approve the Certification before they can reinsert. if they reinsert, they are required to send specific notification to the consumer within 5 business days.If reinserted 3 days ago, then you should be getting a notice from the CRA within a few days. If no notice is sent, you can presume the furnisher did not provide a Certification to the CRA, and thus the required procedure was not followed. In that event, you would provide evidence to the CRA of your prior dispute, thus establishing lack of furnisher compliance with section 611 ( a ) ( 5 ) ( B ) ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I KEEP SENDING MY DISPUTES TO THE CREDIT BUREAUS AND I'M NOT GETTING ANY RESPONSES. IT'S BEEN SEVERAL MONTHS NOW.

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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2020-08-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : Wells Fargo Home Mortgage - failing to send most current loan statement after paying off Mortgage. 

My husband and I are both owners of our house, but the mortgage was in my husband 's name only. Unfortunately, my husband passed away at the end of XXXX. In order to keep the house, I managed to pay off his mortgage account with Wells Fargo Home Mortgage in XX/XX/XXXX. 

I have been requesting the final or the most current loan statement after paying off the mortgage several times, after receiving the required document ie.death certificate, Wells Fargo still refused to send the final loan statement. I went to their branches and wrote several letters about this matter, but Wells Fargo just advised that they could not supply a final loan statement to me for safekeeping. I am very disappointed with Wells Fargo 's way of treating its customers and really not impressed with their inefficiencies in handling this matter. The staff who handled the case just followed their procedures of sending me letters but do not actually doing anything to solve my problem. Again, I am very disappointed with this lender.

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 2021-01-29
Company: EQUIFAX, INC.
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I KEEP SENDING MY DISPUTES TO THE CREDIT BUREAUS AND I'M NOT GETTING ANY RESPONSES. IT'S BEEN SEVERAL MONTHS NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Santander Consumer USA has lied to this agency. They never sent me any paperwork after the repossession of the vehicle as they purportedly claimed to have done previously. They have reported this debt inaccurately to all three credit bureaus which I have the proof from 2 to 3 bureaus that the account is being reported falsely and fraudulently. 

Furthermore, I have received zero paperwork from Santander Consumer USA showing how much the vehicle sold for in proof that it actually sold for that price rather than taking them afterward due to the number of numerous class action lawsuits that they're currently involved in for deceptive lending practices. They turned around and charged off my account but yet they say the account is still open. How can a charged-off account be still open? 

They haven't sent me one shred of paperwork showing what sort of payment arrangements can be worked out and I was told after the conversation to repossess a vehicle that I would be sent paperwork showing how much do beagles sold for whereby I could resume making payments at that time. Conveniently Santander Consumer USA claims that they can not furnish proof of said conversation in which seems very highly suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: EQUIFAX, INC.
State: TN
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 first noticed my identity was stolen late last year, I don't know when or whom may have stolen my identity. I'm in my mid XXXX so I am just now knowing about credit and how it works mind you I have never used my social for anything, I have never applied for anything so to see that someone has been using my information was hurtful and made me feel low and vulnerable. I have filed a police report with my local department.These people opened multiple credit cards in my name, obtained appliances and furniture, opened cell phone accounts, and rendered medical service all under my social security number. None of the accounts on my report belong to me I have contacted all the companies that are on my report to no avail. Companies like XXXX  XXXX  for XXXX and XXXX, and XXXX XXXX XXXX for XXXX. I will also be attaching a copy of my FTC affidavit with the corresponding negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EQUIFAX, XXXX  AND XXXX  HAS ITEMS ON MY ACCOUNT THAT ARE NOT MINE/INACCURATE. 

ADDRESES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 

NAMES : XXXX XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX-NOT MINE PLEASE DELETE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
THEY CORRECTED THE PROBLEM. 
I BELIEVE THIS WAS NOT AN HONEST MISTAKE. 
REFERRING TO XXXX - XXXX,. 
THE AMOUNT WAS PLACED INTO MY CHECKING ACCOUNT. 
EVERYTHING I WROTE IN XXXX - XXXX IS FACT. 
I NEED NOT BE SPECIFIC AS TO WHY I BELIEVE THIS WAS NOT AN HONEST MISTAKE..

Company response to consumer: Closed with explanation