BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-26
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX  are reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is 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 2018-10-19
Company: DISCOVER BANK
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My ex husband opened up an account with my name as a joint account holder without my knowledge and during the divorce he was ordered to pay the balance but he failed to do that and it is now a charge off on my credit report. I have tried with the company and the bureaus to get the accounts removed with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Experian Information Solutions Inc.
State: LA
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 several collections accounts that is reported to the credit bureau that are fraudulent on my account.. I should not have any collections or inquiries on my file at this moment.. These is holding me back from providing for my family.. These accounts are not mine

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 2019-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Capital One Credit Card on my report should not appear on my credit report the amount shown is the owners card not my card ; I am only an authorized user and no longer have this card and my total usage does not compare to the owners total my total was very minimal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I had a 1st mortgage with XXXX XXXX, and a HELOC with USAA. I filed bankruptcy 8 years ago, but still make my monthly payments to both of the above companies. On XX/XX/2019 I received a letter from an attorney representing USAA threatening me with foreclosure unless I paid {$1000.00} in arrears, and started making an increased monthly payment of {$170.00} as I was 6 months in arrears. I checked my bank, and all of my payments to USAA were accepted. I called the number for USAA on the letter, which now calls itself XXXX XXXX. They couldn't find me in their system. I started refinancing my loan immediately. When my loan guy and I conferenced called USAA/XXXX, they finally located my account. They admitted, over a recorded line, that I have not missed any payments. They still moved forward with the foreclosure process, and my house is now listed as going up for auction on XX/XX/2019. I refinanced my home on XX/XX/2019, and USAA/XXXX was wired and accepted the payoff of the HELOC on XX/XX/2019, they are still moving ahead with the foreclosure. I have contacted the attorney representing USAA on XX/XX/2019, and forwarded them copies of the payoff documents and the wire transfers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Risecredit, LLC
State: OH
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: Problem with personal statement of dispute

Complaint:
I called XXXX  on XX/XX/ in regards of an account on my credit report that was reporting accurately. They told me to send in proof of payment. In which I faxed to them the letter from the creditor stating the account had been paid. I received a letter from XXXX dated XX/XX/ stating that the information they are reported is accurate. I sent Transunion the paid in full letter and they still wont update my credit report and thats all I wanted them todo.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
To Whom It May Concern, The reason for my complaint. There were two unauthorized accounts opened under my name : a savings account and a checking account. When I realized I was a victim of identity theft, I contacted Wells Fargo Bank on XX/XX/2021. I opened a Identity Theft Report with the Federal Trade Commission, following their instruction, I contacted Wells Fargo asking them to immediately close the accounts and provide me with a letter exempting me from any responsibilities or charges inquired by the accounts. As of today, Wells Fargo has yet to close the accounts nor provide me with the letter although they told me the investigation was complete, in my favor and they were going to send me the letter stating I was exempt from any charges.

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 2018-03-20
Company: TransferWise Ltd
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or misleading advertising or marketing

Complaint:
Ok theXX/XX/XXXX Transferwise which exchanges currency and funds. Advertised a new borderless account that you can use to transfer money and pay bills with in different currencies. I exchanged Pounds sterling into dollars {$600.00}.

I was told several times by Transferwise staff that payments can be debited and bills paid.

When I made the payment on the XX/XX/XXXX. The money {$600.00} was returned because Transferwise changed there mind and decided not debit any account even though I was told I would. Because I was using that money to pay my credit card those funds were past due and my account is in delinquent significantly decreasing my credit score. My credit card company charged me {$110.00} cents in late fees and interest charges. I was told via phone on Saturday XX/XX/XXXX by a member of Transferwise called XXXXXXXX XXXXv that any late charges of fees will be reimbursed by Transferwise for any inconvenience caused. Also I filled a complaint and no one returned my calls. I called 5-6 times and yet my complaint was ignored and Transferwise refused to honor the pay even though they said they would. Transferwise has misled me through false advertising and refuses to be accountable for there mistakes

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a large consolidated student loan with XXXX  for which I have been paying monthly installments under the Income Based Repayment plan since consolidating my loan with XXXX. Periodically I recertify my income. My monthly payments have always been between {$250.00} and {$300.00} a month. I placed my account on auto-pay from my checking account so as to avoid delinquencies and to pay on time every month. I can not afford payments significantly above this. Because of a one month lapse in my income recertification XXXX  placed me on a default repayment plan. I was horrified to log into my checking account and find that my student loan repayment jumped from {$270.00} on XX/XX/XXXX to {$2600.00} on XX/XX/XXXX representing a payment removed from my checking account of nearly 10X by normal monthly payment! This amount substantially wiped out my checking account placing me under severe financial strain with the possibility of not being able to make my rent. When I called XXXX  they said there was no way to return the money to my checking and that I had to dispute the issue with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: SYNCHRONY FINANCIAL
State: TX
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 have a hard inquiry from this source SYNCB Inquiry : XX/XX/2018  This is the info provided Institution Information SYNCB C/O XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX When this number is contacted it only wants a passcode .... which of course I do not have seeing how I have no idea what this even is. I did not authorize anyone to pull my credit on this date.

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 2019-04-26
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX and Experian are reporting an incorrect coding of the XXXX/XXXX - account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is 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 2020-07-28
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: Their investigation did not fix an error on your report

Complaint:
During 2017, i was XXXX and and my mail and credit data was stolen. I reached out to XXXX and police reports. The account # XXXX ending in XXXX was not removed from XXXX and Equifax and was removed from XXXX. After nearly 3 years of trying to remove this single item from my reports I contacted XXXX and informed them i didtnt open this account and suspected it to be my ex wife or someone with access to my account or info. I paid the balance hoping this would resolve the issue. XXXX is reporting that they never recieved payment and have listed late payments and degratory info to the credit reporting which is 100 false. They have not provided that is was fraud and even further I assisted in tryign to pay the settle balance of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I 've been attempting, for better than six months to get my 2nd mortgage servicer, Ditech Financial to seriously engage the writer on my interest to settle the outstanding balance. The process started in XX/XX/XXXX, latest. Only recently have I received a phone call after multiple attempts in both writing and telephonically to get them to reply. I 've also asked for supporting documentation regarding the totality of interest paid and general progress on the reduction of the loan balance. I received nothing I 've been thorough, I believe, in articulating why a negotiated settlement is reasonable. The aforementioned phone call was unsatisfactory only offering a nominal reduction. 

The intent of my complaint is - both - getting the supporting documents as to my total payments made, interest paid and principal paid. And, with that evidence press my case for a more reasonable settlement substantiated by my previous employment hardship ; savings drain yet I maintained the account as current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2017-11-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I called XXXX XXXX XXXX to make a mortgage payment around XXXX/XXXX/XXXX. They informed me that my mortgage was sold to Carrington Mortgage on XXXX/XXXX/XXXX. Carrington never called me. I called Carrington on XXXX between these dates to get information to make a payment. They told me that they were going to mail me paperwork. I received their paperwork on XXXX/XXXX/XXXX. Thank goodness I made a payment on XXXX/XXXX/XXXX through their automated phone system because I was concerned I would n't get their mail before the 30 day period. I called Carrington again today XXXX/XXXX/XXXX because I noticed they did n't report to any credit agencies of their mortgage acquisition. They told me they ca n't report until 60 days because of the RESPA laws. I asked them to provide me information about this and they said they could n't and that I should just research the RESPA law. My credit score has been negatively impacted because of insufficient  information being reported to the credit agency. Please help me get Carrington to  report to all credit agencies regarding my on time XXXX payment by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: RoundPoint Mortgage Servicing LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint mortgage servicing company. Took.unathourized double payment for the month of XX/XX/ 2020. I was told by a supervisor that they put my money in principle payment which they then claim their system does not allow for reverse charges. This was quoted in presence of XXXX XXXX employees. The total amount taken from me is XXXX. I absolutely did not give permission and they have not sent me confirmation of what they did with my money ...

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 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion is reporting incorrectly late payments on the XXXX   XXXX partial account number XXXX. I called and spoke to a representative to pay this account and I was told that this account had a {$0.00} balance due. Unfortunately, there is another account that is similar XXXX  partial account number XXXX which is closed/lost. This closed/lost account was credited with the payment. Consequently, the current account was never credited with the payment and that is why the account is showing late. The representative realized this was their mistake, however the bureaus are still reporting this account as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX did not remove inaccurate information from all three major credit bureaus after I demanded them to verify those medical accounts with my signature on it. I'm highly upset they keep stalling the process and also harassing me with bills in the mail after I kindly asked them to remove this inaccurate information. NOW they are sending me letters to trying to offer me a " discounted '' price on these inaccurate accounts i'm getting harassed about. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX XXXX XXXX ) Account Number : XXXX XXXX These are the accounts I'm getting harassed about.

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 2017-11-28
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/XXXX payment made. Company credited account for bill on XX/XX/XXXX. Credit for payment was revoked on XX/XX/XXXX. I was not notified of this. Charged NSF check fee by lender on same day. Late fee was added to payment two days later. Company contacted me on XX/XX/XXXX to tell me payment was late and my credit score would take a hit if I didnt pay it. 

Lender advertised same day ACH payment services. When I contacted the lender, I was originally told it was due to my account at the bank being insufficient. After explaining that I work at the bank and offering to show statements, I was told that they could open a ticket to reverse part of the fee, but that I would receive no help on the other portion. Transferred to manager after 15 minute hold. Manager agreed to open a ticket to return a larger portion of the fees, but Im still docked the other portion. 

Company uses XXXX XXXX to process ACH payments and it can take up to 12 business days to receive credit for payments. I asked how I could make my payment and it post in a reasonable amount of time. Payment can be made through POS system with clerk for {$10.00} convenience fee, or online for a {$2.00} convenience fee. This would not be waived either. 

Im still being charged two fees, one to make my payment so that they will not take negative action against my credit, the other for a late fee because the service isnt as advertised. 

Fee structure, payment options, payment processing delays, and lack of communication to consumers seems intentionally deceptive and abusive. The only way to know your bill is paid is to pay a fee. The free method can result in over {$40.00} of charges ( which is greater than 20 % of my note ) due to a processing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX sent a lot - and I mean A LOT - of false info to a lot of companies! 

Those problems were reported to XXXX, XXXX & TransUnion in XX/XX/XXXX! 

Those problems were reported - again - to XXXX, XXXX & TransUnion in XX/XX/XXXX! 

Now - in XX/XX/XXXX - some of my XXXX XXXX Benefits r being delayed because of crimes committed by XXXX, XXXX & TransUnion! 

That is outrageous! 
XXXX XXXX Benefits r largely about transportation! 
I need that because of dis-abilities! 

Think about how abusive XXXX, XXXX & TransUnion have been with those crimes!

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 2018-02-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I attempted to pick up the transfer at two locations. At the XXXX on XXXX XXXX XXXX XXXX XXXX, MD XXXX I was told the transfer was not available after calling in before arriving and after being told otherwise. I then attempted to pick up the transfer at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX and was told the same. Funds for reference number XXXX were not available as promised.

Company response to consumer: Closed with explanation