BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
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 reporting I have XXXX collections in the summary section of my credit report. However, I there are not collection listed, please correct the error as it's effecting my credit report. 

I have attached screen shots as well. Please correct ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Per my attached XX/XX/XXXX, I addressed two issues to my local SunTrust Bank.

The first issue dealt with SunTrust 's check cashing procedures at the bank, which I addressed to the SunTrust Client Advocacy Office and received an appropriate response ( letter dated XX/XX/XXXX, attached ). It appears as though the tellers followed proper procedures and accepted checks written on a closed SunTrust account. The bottom line to this issue is that SunTrust does utilize safeguard business practices akin to other local banks, i.e. XXXX XXXX XXXX or XXXX XXXX, which would have easily prevented the checks presented from being deposited. 

The second issue which was poorly dealt with by SunTrust officials, was the lack of protection which SunTrust bank provided to me, when I presented fraudulent SunTrust checks to bank management. The two SunTrust checks which I had received were written on an account which had been closed sometime in XX/XX/XXXX. SunTrust was aware that the individual was writing these checks on a SunTrust closed account and : ( 1 ) took on no action to stop the fraudulent activity ; ( 2 ) took no action to protect my financial interest when I confronted management about the two fraudulent checks.

As you can see by the attached documents, the problem first started in XX/XX/XXXX. Since XX/XX/XXXX, I have worked these issues diligently with my local SunTrust bank senior official, the branch Manager, the regional bank representative and ultimately with the SunTrust Bank President ( see XX/XX/XXXX attached letter. ) As of the submission of this complaint, XX/XX/XXXX, I have heard nothing from my XX/XX/XXXX letter to the President.

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 2019-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I first discovered this account on my credit report and immediately send a letter of dispute on or around XX/XX/2019 and received no response. I have also included a dispute with the 3 major credit reporting buerus and it remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: HYUNDAI CAPITAL AMERICA
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:
KIA MOTOR FINANCE is violating FCRA FDCP TILA statutes. I XXXX XXXX XXXX am a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX XXXX on all accounts created by my seal/signature, I am contacting you the Consumer Financial Protection Bureau to oversee this complaint and enforce the laws created and sanctioned by your organization and the United States. In this matter the Unites States is, according to 28 U.S. Code 3002 ( 15 ) ( A ) a Federal Corporation This complaint is being addressed to the CFPB the regulatory body that enforces Regulation M. The actions required in this complaint are to ensure that KIA MOTORS FINANACE and their representatives make recompense and or pay redress and compensation for their trespass against me. 
The Exhibits labeled A through G-1 in this complaint shall prove that Kia motor finance is violating FCRA FDCP statutes. Kia Motor Finance has had 8 separate occasions to address my ID theft report in affidavit form concerning a fraudulent account that is reporting on my consumer credit profile. Violating 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i : 12 CFR 1013.1 - Authority, scope, purpose, State of California CIVIL CODE Section 2985.7 1667a. Consumer lease disclosures 15 USC 1692

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 2018-01-25
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: Account information incorrect

Complaint:
Thank you, I have been trying to get my credit report fixed with incorrect information for 6 months now. I 've received a letter from XXXX XXXX on XX/XX/XXXX stating that they made an error in reporting our mortgage account was delinquent. The loan was converted during the HAMP in XXXX and was not suppose to be delinquent. I have contacted XXXX XXXX multiple times in which they contacted the credit bureaus to fix these errors. Since Transunion did n't update my information correctly, I opened a dispute. My credit report is still wrong. It says my payment is 120 days late. Problems are listed below : - Account is closed - So no payment is due - Loan was rolled over to HAMP - Old loan is closed so no payment due - Received 2 letters from the bank to fix these mistakes. 

I contacted Transunion onXX/XX/XXXX. I told him how can the account be " 120 late ''? A paid in full account is late? A closed account is late? This is clearly referenced in the account credit report information ( closed & new loan ) but they will not update. I 'm paying a new mortgage, again this is clearly documented in my credit report. All of these issues have ruined our credit for the last 2 years. This is the only thing delinquent, so each should be easy to find and fix. Also, I have a membership through Transunion. So I am getting charged to monitor their mistakes? 

I 'm attaching my supporting documentation. Please assist.

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 2019-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX at XXXX. It was a notice of intent to file civil lawsuit. Then someone shows up at my house looking for me to serve me paperwork for a lawsuit filed in court before my 30 days. They're trying to grab more fees and attorney fees as well. The company Portfolio Recovery Associates E-File Payment on XX/XX/2019 for {$46.00}. Granted they wrote this letter on the XXXX of XXXX and it does take at least one to two days to get to my house. This is crazy no one has enough time to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: U.S. BANCORP
State: NC
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:
US BANK HOME MORG.

Reporting my paid off home loan as 30 days late in 2016. 
They will not fix it to current.

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 2018-01-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My name XXXX XXXX and i am a resident of Missouri. I opened a BMO HARRIS smart advantage checking account online back in XX/XX/XXXXAnd at the time they had a promotional bonus of XXXX $ offered on the account after meeting the qualifying Direct deposit requirements and it was open to the residents of Missouri. Their system automatically appliedthe promocode as they had mentioned in their promotion. 

I met the 2, 300+ DD requirements in XX/XX/XXXX 
Last month in XX/XX/XXXX i called their customer serivce to inquire about my bonus since its been more than 3 months since DD. 

They confirmed that i had met the DD requirements and that i should receive my XXXX $ bonus by XX/XX/XXXXthe latest. 

Its XX/XX/XXXXand still i havent received the advertised bonus. Upon researching online i further discovered that they are doing this to almost all customers and mnay are having to officially file a complaint to get them to honor their promise. 

I have attached with this complaint my checking account statement from XX/XX/XXXX showing my DDs and My screen shots of BMO HARRIS promotional offer including the promocode used. 

I hope CFPB looks into this and helps me resolve the issue.

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 2020-12-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I sent an letter to XX/XX/XXXX Home Loans ( account # XXXX XXXX. I advised XX/XX/XXXX Home Loans that the company is reporting incorrect information to credit bureaus indicating the account is currently 90 days past due. However, XX/XX/XXXX Home Loans sold the loan to another company and should be reported 90 days past due.

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 2019-01-05
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen loan Servicing. On XX/XX/2016 I had a fire in my home that caused substantial damages to my property. Ocwen loan fail to pay the contractors in a timely manner, causing me to be out of my home for 2 yrs. Ocwen breach of contract due to not being commitment in the contract. Ocwen valid the contract in my Insurance policy. Ocwen caused me and my family a lot of hardship moving to different places for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened the checking account with HSBC and was approved on XX/XX/2018 under the promotion that I would receive a bonus of {$350.00} for depositing {$10000.00} for 90 days. I deposited to money on XX/XX/18 and have kept the money in it. I have fulfilled the terms and the bank didn't pay put the bonus. It has been almost 3 months since I fulfilled the terms

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: OR
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:
Dear Equifax, XXXX, XXXX, According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature on it you have of the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to maintain a proper credit score. 

Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have opened a Home equity line with XXXX XXXX on XX/XX/XXXX, Account number XXXX with approve credit line of {$150000.00}. 
From that date, I never use this Account. I moved to Texas in XXXX, and close checking, saving Account with XXXX XXXX  but not Home equity line. I have note them my new address at Texas, and they have send me the XXXX XXXX XXXX date XX/XX/XXXX. From that date, I did not receive any information, statement from them. 
Up now, when I check from credit report, I know that there are a balance of {$63000.00} from my Equity line account. I call them and they said that is annually fee charge of {$90.00} and that charged is for 9 years. I complain why they did not send us any statement or XXXX to report this charge, they said that may be I did not update the new address!? As above mention, I have receive their XXXX XXXX XXXX card on XXXX, and my daughter live there in the house at California ( House that I apply for this equity line ) she did not receive any paper from XXXX XXXX. The manager told me that the fee charged is not refundable. 
I really feel bad about this and want to ask for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In my consumer credit report, a note of XXXX XXXX of Bankruptcy # XXXX which does not belong to my credit reports is reported. Like variations of names, addresses that do not belong to me such as XXXX XXXX XXXX XXXX XXXX P.R XXXX and jobs that do not belong to me, such as XXXX XXXX and XXXX XXXX XXXX. 

Realize an investigation in the portal of the judicial branch of Puerto Rico to verify the information of the incorrect record and this case number is not reported under my name. This situation is making it impossible to use my credit for future purchases.

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 2019-07-08
Company: DISCOVER BANK
State: MS
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: Card was charged for something you did not purchase with the card

Complaint:
Discover Card has multiple charges that I did not authorize. The charges are showing as pending. The Discover Card company is also not posting my payments to my account prompting a negative available credit. Please investigate for fraudulent practices and inaccurate billing. The Fair Billing Act ensures the accuracy of payments and credit reporting. 

1. Charges of {$600.00} payment on XX/XX/XXXX has been deducted from my bank but not posted to my account. 

2. XXXX XXXX XXXX pending transaction was not authorized in the amount of {$630.00}. 

3. XXXX XXXX is not posted to my account in the amount of {$830.00} 4. Payment on XX/XX/2019, in the amount of {$190.00} is not showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
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:
Please be advised, Ive tried explaining to Equifax XXXX XXXX and XXXX. Ive been a victim of identity theft. Ive sent in multiple disputes asking for debt validation. Ive also sent in FTC report. Im being told its coming back verified. All of the following accounts are fraudulent. 
Ive never down business with these companies or entered into a written contract with these companies. 

1. XXXX XXXX acct # XXXX 2. XXXX Acct # XXXX ( {$2500.00}, {$240.00}, {$72.00}, ) 3. XXXX XXXX Acct # XXXX XXXX. XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Credit Collections U.S.A., L.L.C.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account from XXXX XXXX on my credit report and this account does NOT belong to me. I have NEVER been to the physician. I tried to dispute this through XXXX XXXX, XXXX  and XXXX and all I got back was a response that stated the information is accurate and belonged to me. I requested verification from this physician where I actually signed agreeing to payment and/or being responsible for this account, I received no verification.

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 2020-06-05
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
US bank locked my mortgage rate at 3.62 percent and took {$390.00} from me to start the application process. They never checked with me to make sure what type of property I was refinancing. Now they are saying its a condo and hence the locked rate is invalid and the rate will be higher. I dont want to refinance at a rate higher than what they locked in. It was their mistake to not check on this before commuting and now backing out. The loan officers name is XXXX. She locked in my interest rate with no hesitation and now is saying it wont work. I want my money back unless US Bank honors the locked in rate.

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 2019-01-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX our company ( a non-profit organization ) made an online transfer of {$24000.00} from our Wells Fargo savings account to our Wells Fargo credit card account in order to pay off the current balance. On XX/XX/XXXX we discovered that the payment amount was deducted twice from our savings account instead of once. We phoned Wells Fargo that same day to notify them of their error. A Wells Fargo agent responded that the error would be corrected and the second ( erroneous ) transfer of {$24000.00} would be transferred back to our savings account. On XX/XX/XXXX we checked our saving account balance and discovered that the error had not been corrected. Phoning Wells Fargo on that same day, the agent told us that it would take 7 to 10 business days for the money to be returned to our account. We let them know that that length of time to restore our funds was unacceptable, but they said there was nothing they could do to restore our funds to the savings account any faster. 
In this day and age of immediate electronic transfers, 7 to 10 days seems extraordinarily slow for the correction of this errorthe banks errorand makes one wonder if Wells Fargo delays these types of error corrections for their own financial gain.

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 2018-10-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax has failed to comply with my request to permanently remove an extended fraud alert. I have wrote to Equifax to remove the extended fraud alert on my credit report. Equifax has since re add the fraud alert back on my credit report after I had previously wrote to them to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
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:
There's an account from XXXX XXXX XXXX that is reporting as an unsecured loan to my credit report which I never received from them. XXXX is reporting this loan despite the many disputes and fraud packet that I have sent to clarify that this is a fraudulent account. Experian has deleted the account for fraud before but has now re-inserted the information back to my credit report. Both CRA state that they received information from XXXX XXXX XXXX which says that the loan is mine but refuse to forward the information to me the consumer. XXXX XXXX XXXX does not have any promissory note for me with my signature for a loan. Also, a fraudulent address is on my credit report and both XXXX and Experian won't remove the fraudulent address from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX XXXX 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