BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX NA-Date of XXXX XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with the intentions of receiving a promotional {$400.00} bonus. I did everything correctly and opened the account according to all the requirements. However, they never paid me the promotion. I called them and opened a inquiry. They wrote back to me stating I didn't meet the requirement, " Having no other promotional bonus applied to your account within a 12-month period. '' This is simply not true though. My records state I received a promotion from them in XX/XX/XXXX. By the time I met the {$4000.00} direct deposit requirement it would have been XX/XX/XXXX. This is more than 12 months. No where in their terms does it state that the customer cant have a bonus in 12 months at the time of opening the account. Once again, because after I met all the requirements it had been more than 12 months. The terms state " Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements, and will deposit any earned bonus into your new checking account within 30 days. '' Again, I signed up for the account on XX/XX/XXXX and the qualification period, 90 days, would have been XX/XX/XXXX. This is well beyond the 12 month mark set back in XX/XX/XXXX. If Wells tries to say it has to be 12 months from account opening, I would like to see how this is derived from their ambiguous terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Lockhart, Morris & Montgomery 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:
I dont know anything about this debt, please delete from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i had flex payments with XXXX credit card. i made a payment of $ XXXX {$160.00} in XX/XX/16 and due to the way flex pay is reported i thought i was paying my card in full.so when i was contacted two months later about being behind on payments i explained to them that i paid my account in full. and i dont owe a balance on this account, and that's when i was told i cant just pay off the complete charges unless i called the bank that's providing the credit on their behalf and ask them for a payoff amount. After the explanation i made my past due and current payment. then the next month i get a call that im past due again. i responded that i just paid my past due and the present due payments. They told me how the payments were allocated. then told me im past due and my next payment is due in 2 days so i asked how much the both payments so i can once more be current. i paid the amount that i was instructed that would bring me current. Next thing i know the following month my credit score dropped 30-40 points for the second time because they reported that i was 30 days past due again.so when i reached out to the creditor i was told if i didnt make sure that pay payments were not current its my fault not the customer associate that im getting the information from i disputed to them directly and they refused to help me on this matter. i explained to them that i have a perfect payment history with them and with other creditors. that im working on purchasing a home and my score has dropped over 70pts because of the two confusing times when to my knowledge i didn't owe a payment. i just need to get this off my report 18 months later and its still holding me back. The sad part is that they admitted to me that others have had the same problem with flex pay thinking that they were paid off and because of the way its billed thery were confused. and really still owed money.that alone should of giving me the benefit of the doubt. before that all my payments were on time if not ahead of time. please help or advise me on how to get my record cleared up. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02
Company: EQUIFAX, INC.
State: IL
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 was not enrolled in College of XXXX XXXX XXXX XXXX XXXX - only reporting to XXXX and XXXX ) at the time of this accounts reporting nor did I have a balance when I left. It has been disputed, I have asked for validation and removal to no avail. I disputed in XXXX / XXXX ( responded in XX/XX/XXXX XXXX, XXXX / XXXX ( responded in XX/XX/XXXX XXXX and XXXX of XXXX ( responded in XX/XX/XXXX ) and this account is still reporting. I have also contacted both bureaus multiple times and they continue to report without sending me the information requested in my letters to receive. I have also called on XX/XX/XXXX and XX/XX/XXXX. The dates reflecting that the account was opened are XXXX of XXXX. The amount is {$1300.00}. I have included the original XXXX dispute as they do not contain my signature. I can provide the credit bureau letters if needed that I wrote out recently for correspondence with them, however, I prefer not to provide anything with my signature to " original creditors '' as to limit fraud. 

Other accounts disputed with the same details and timeframe as above : - XXXX - ( received different information and all inaccurate - all 3 bureaus ) - XXXX XXXX XXXX - {$660.00} ( I have only had ONE account with XXXX and the account was closed and paid in full - this is FRAUD. I have supplied the final bill to both collection and all XXXX credit bureaus and they refuse to remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
id theft happen to my account cra violation inaccurate information with XXXX had issues with accounts that caused all kinds of overdraft that was not my fault

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 2018-03-02
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: Information belongs to someone else

Complaint:
I have on several occassions contacted XXXX, XXXX, and experian and have placed a fraud alert on accounts along with sending in my FTC ID REPORT IN REGARDS TO ACCOUNTS WITH XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX AN ONLINE ACCOUNT WHERE AN APPLICATION WAS SUBMITTED IN MY NAME ACCOUNT XXXX ON EXPERIAN, XXXX, AND XXXX. ALSO AN ACCOUNT SHOWING AS A PAID REPO NEEDS TO BE REMOVED FROM XXXX XXXX XXXX ACCOUNT NUMBER XXXX I AM STILL WORKING TO RECOVER MY IDENTITY AND I EXPECT THIS TO BE RESOLVED IN A MANNER OUT OF CIVIL COURT. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-04-23
Company: CITIBANK, N.A.
State: DC
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:
macy 's credit card {$3.00} that was paid XX/XX/20, .not sure but wasn't late ... and shouldn't be on 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 2018-03-02
Company: Experian Information Solutions Inc.
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 been sending disputes to Experian every 35-40 days since XX/XX/XXXX and on multiple occasions the results where received after 30 days or not received at all until XX/XX/XXXX when it was submitted and results where given in less than 4 hours which tells me that the did not even investigate the disputes at all. I even sent letters for verification of method used to investigate and haven't received any response either.

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 2020-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
After receiving multiple pre-approval offers to open a Capital One SAVOUR One card, I decided to apply for the card. Both the pre-approval offers I received in the mail and web page for the exact Capital One credit card for which I applied promised a sign-up bonus of {$150.00} if I spent {$500.00} within the first 3 months of spending ( this bonus has now been increased to {$200.00} ). I have another credit card with capital one, and yet, they still sent me this offer. I applied for the card and spent the money required to receive the bonus. However, upon calling Capital One to see why the bonus was not applied I was told that it didnt apply because if you upgrade your card, it doesnt apply. 

I told the customer representative that this didnt make any sense. I NEVER requested to upgrade my ( no fee ) SAVOUR One card to a SAVOUR card ( with a {$95.00} annual fee ). My card was opened as a SAVOUR One card and still should be. I should not be ineligible for the sign-up bonus because of an upgraded card when my card was NEVER UPGRADED. 

I was then told by a representative that I was correct and that my card was never upgraded, however, I was still ineligible for the bonus because I have another Capital One card. Capital One NEVER used language in their promotional material that made it clear to applicants that if you already have a capital one card that you will be ineligible for the bonus. Their promotional material says that the bonus is open to new card members. They never differentiated between new to Capital One Cards and new to a specific Capital One Card. 

To the average person, if I dont have X card, then I am not a card member in the context of applying for X card. If I apply for X card and am approved, I will then become a new ( X ) card member. It doesnt matter if I already have Y card. It doesnt matter if both the X card and the Y card are owned by the same company. If the company wanted to relay to customers that they wouldnt be eligible for a sign up bonus if they already have another one of the companys cards, they would say that the offer is only open to new COMPANY NAME card members. 

Capital One should have been upfront in saying that the sign-up bonus was open to new CAPITAL ONE card holders only. Instead, they capitalized on ambiguity and sent promotional material to existing capital one card holders KNOWING that those people might unwittingly apply for a card based on promises that would not be fulfilled. It is unscrupulous, and thus, I am making a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
During the month of XX/XX/2020 I was notified via an attorney letterhead implying they were representing Portfolio Recovery Associates and attempting to collect a debt. There were no legal filings prior to this written notification. This places Portfolio Recovery Associates in violation of U.S. Code 1692 of the FDCPA, and renders them ineligible to be now considered as a " debt collector ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: EQUIFAX, INC.
State: AL
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:
I Disputed in XXXX, XXXX, and XXXX of 2020 with EQUIFAX and XXXX credit bureaus about verifying the account of XXXX  account XXXX XXXX. I asked for verification with XXXX account XXXX  XXXX, and I received no response from them all three times. Equifax and XXXX  replied that this account has been verified by the Fair Credit Reporting Act but I have not received anything from them nor have they shown me their methods of Investigation. I don't believe either bureau did a proper investigation or if they even investigated this account at all. I'm asking help from the CFPB in order to correct this issue by the credit bureau doing a proper investigation and deleting this unverified account. thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Experian Information Solutions Inc.
State: NY
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:
so I disputed a bankruptcy after allot of back and forth XXXX XXXX agreed with me that it should be deleted this was over 2 weeks ago and they have not updated any of the bureaus I have called several times and they each keep telling me to call each other XXXX XXXX is saying call the bureaus they will update and the bureaus are saying call XXXX XXXX. I keep getting the runaround and I am the one suffering from this still on my credit I just want it off asap. they both already have said it would have been off already it has not I just want this updated and removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was a victim of identity theft. I also reported the identity theft issue to FTC. Chase Bank made a mistake and processed a transaction of {$1500.00}, without my authorization, on their own accord. As soon as I pointed it out to them that they made a mistake, by calling them on the phone, they ended a business relationship with me, in retaliation, without a reason. I am a longtime customer with Chase Bank. It appeared that Chase Customer Claims gave me a letter, XX/XX/18, which confirms their misteak. I called Chase Customer Claims, XX/XX/18 at XXXX. 
Chase Customer Claims transferred me to Executive Office at XXXX. XXXX XXXX, XXXX, gave me Case Number : XXXX A Notice of Unauthorized Use of ATM/Debit Card Account was given to me by Chase Bank. And, a response, to Chase Bank, will be given by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I logged into my account with NewRez to make my monthly payment. Upon doing so I noticed my Escrow Account had a negative balance which was very unusual since my Home Owners Insurance or Property Tax Bill had not been disbursed. 

I noticed {$6500.00} has been deducted for " Insurance Premium Disbursement '' I called and was told this was a one time PMI charge and I asked for an explanation and was never provided one. No one with NewRez notified me in writing or by calling regarding I was going to be charged this. I inquired again a few weeks later in late XXXX/early XXXX and was told the same thing. I just could not understand why I was charged this amount and I was told I would receive a letter ( which I never did ). 

Over the Holidays I didn't follow up much on the issue, but started again in XXXX. I've called XXXX who could not tell me anything other than they did not bill me and I'm not the policy holder. I called Shellpoint since they are the lender and was not provided any new information as well. I have made two calls in XXXX XXXX being on XX/XX/XXXX where I was told by XXXX XXXX someone would reach out to me in 3-5 business days and no one never did. 

I understand there may have been an error in the closing process, but after talking with several realtors, lenders, etc. none have heard about the Lender putting the charge back on the borrower ; especially with no notice! My mortgage payment has increased over {$650.00} per month. This is beyond unethical for a company to be allowed to do this. 

I'm attaching my escrow statement along with a few loan documents for your reference. 

I also have done research where a charge of this magnitude would change my APR for my closing disclosure and the lender is not allowed to go over 0.125 percent and if you do the math you will see they have gone outside this range. 

I would like to be reimbursed the full amount as that is what a reputable company would do and since they provided no notice and did illegally not provide me with an updated closing disclosure. 

You will also see where they have taken 17 PMI payments of {$66.00} and refunding two for a total of 15 deductions and I've only had made 13 mortgage payments. 

I have inquired about this as well and no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Paid off a home mortgage with SLS in XX/XX/XXXX. There was a 2 escrow surplus checks ( {$360.00} dated XX/XX/XXXX and {$2000.00} dated XX/XX/XXXX ) issued to the estate of my partner ( deceased in XXXX ). The estate was closed in XXXX. I was the Power of Attorney and Executor Administrator and beneficiary of the estate. The mortgage was in his name which I continued paying. I refinance this mortgage with another company in my name in XXXX of XXXX. 
I have called SLS in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I faxed the documentation to SLS on XXXX XXXX as they had requested per phone call in XX/XX/XXXX. SLS confirmed documentation had been received per each phone conversation in XXXX, XXXX, XXXX XXXX and XX/XX/XXXX. Per all phone calls a rep said a check would be reissued to me in my name and they had the necessary documentation. 
Needless to say - no escrow surplus check has been received.

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 2020-11-02
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:
XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Georgia XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1989 Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 



USDOE/XXXX {$46000.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) {$810.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation