BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$38.00} XXXX XXXX XXXX Balance : {$690.00}

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 non-monetary relief
Consumer complaint received 2018-01-10
Company: EQUIFAX, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We feel that we were given misleading information about the balance owed on a new XXXX XXXX. We voluntarily gave the car back to XXXX. Settlement amount was {$8200.00} We paid to XXXX XXXX XXXX We have a XXXX balance. XXXX is reporting that we have a balance of {$3400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has been reported on my credit report as a collections account when I never applied for credit nor have any type of contract with XXXX. Ive asked XXXX to clear the information up with the credit report bureau and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX. Portfolio Recovery Associates has placed an alleged collection on my credit reports recently. Account # XXXX. I have no idea who this company is or why they are attempting to collect a debt from me. I have never had an account or done business with them. Furthermore I was never given a notice of this debt nor my right to dispute it. I am asking for validation of debt, and proof of notice being sent to me. If this is a medical debt I'd like to see itemized breakdown of the bill and original charges. And if they provide these documents and Portfolio Recovery is not a medical facility and don't have my written proof to view or have these documents then that has to be a HIPAA violation ... along with FDCPA violation.I have previously mailed the company a cease and desist letter to their corporate offices. I have attached a copy of that letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XXXX XXXX, 2018 I received in the mail a XXXX credit card from Wells Fargo that I never applied for. I immediately called Wells Fargo ( after verifying the phone number on their website ). Their department that investigates matters like these is supposedly looking into it and will call me in the next day or two. Rather than giving them any personal information over the phone, I told them that I would go to a Wells Fargo branch to officially close the account.

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 2019-07-27
Company: Southwest Credit Systems, L.P.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I think this debt is from my old roommate in XXXX XXXX, XXXX. I moved away from XXXX XXXX on XX/XX/2018 to XXXX, XXXX when I moved away I called XXXX. They said they can switch everything over in his name and Im guessing that XXXX fail to do that. Im guessing this debt is from my old roommate cause Ive had a outstanding account with XXXX and still have XXXX  to this day and every account I open. So if I owe XXXX   anything how can I have a account now with them now and they havent come to me about owing {$250.00}. So either I owe XXXX nothing or this debt is from my old Roommate in XXXX XXXX. Im in regular contact with him and can have this paid for. I would also like to add that I never got a bill for anything so how am I suppose to know I owed this. I would also like to know dates that this debt was accumulated from or if equipment wasnt returned or what city the debt is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, Experian refused to unlock my security freeze so that I could apply for a large boat loan. I had tried to get them to temporarily release a security freeze that I had placed on my credit report due to a previous problem. I used both telephone and internet methods to obtain the temporary release, but was unsuccessful due to problems on Experian 's end. As a direct result, I was unable to secure a loan from the bank offering the lowest interest rate, and I was forced to take the loan at a 3 % APR higher rate than was necessary. 

On XX/XX/XXXX, I wrote Experian a letter explaining all the details of my problem, and demanded that they inform me what piece of personal information they had in their database that caused my requests ( phone and internet ) to be refused. This letter is available to CFPB and will be attached below. I never received any response to the questions raised in my letter. Instead, under date of XX/XX/XXXX, I was provided with a standard form which contained a temporary personal identification number that my bank could use to obtain a copy of my credit report. Unfortunately, this information was about two months too late, as I had already closed on a loan ( at a higher interest rate ) and purchased the boat in question. Experian has not disclosed to me what piece ( s ) of information caused my request for a temporary release to be declined. Thus, I would encounter the same problem again when I may need a loan.

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 2018-01-10
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
After seven years of providing full-time care for my mom, she was placed in a XXXX  XXXX under fraudulent guardianship that court and medical records documentation provide conclusive evidence of benefit exploitation by the XXXX  XXXX as well as other parties involved. The XXXX XXXX negligence and subsequent greed resulted in my mom being XXXX that cost her XXXX in XX/XX/XXXX. 

As I hadnt worked since XX/XX/XXXX to provide full-time care to my mom, I wasnt able to work even part-time due to health concerns that resulted from very sporadic symptoms of XXXX that were not detected early on. 

What Id earned from when I was employed went toward expenses that my mom and I had split evenly. 

The incidents surrounding the guardianship were such that I was emotionally shaken as I did not know that guardianship fraud even existed until after it happened. I was literally traumatized without recognizing it at the time as a local hospital suddenly took my mom into their custody without my knowledge or consent ( POA was superseded by them ) and without explanation as to why or proper cause. Her medical records who two false diagnoses, one that was used to get her into hospital custody, the other to keep her there... her recent medical tests prove both diagnoses as false. 

I contacted Citi Cards shortly after my mom was placed in the XXXX XXXX to let them know that I was not able to make my designated payments and why. 

They offered to close my account and lower my payments to {$76.00} per month that I was able to pay without issue at the time as I was receiving regular financial assistance by my moms brother who I didnt realize until decades later finagled my grandfather/their father into literally handing over the majority of his estate to my uncle, resulting in my mom getting the least of the XXXX children ( her other brother got an entire bank account and sent her an undisclosed percentage of savings bonds from that account seven years after my grandfathers XXXX ). 

When my uncle, without explanation decreased the payments via savings bonds from bi-monthly to tri-monthly, I was only receiving $ XXXX/mo. and still reporting detailed accounts of the guardianship to both state and federal factions pertinent to it.

When I called Citi Cards and explained that my financial hardship difficulties, without telling me they put my account into collections status, first raising the payments to $ XXXX/mo. then more recently to $ XXXX/mo. without my knowing that the account had been put into collections and ruining my previously clean credit rating.

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 2019-04-16
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
PenFed Credit Union debited my checking account for {$500.00} on XX/XX/19 and paid my consolidation loan with them and applied to one payment of {$380.00} and paid late fees of {$120.00}. When I called on XX/XX/19 and asked them to refund that money back to the checking account and I would be happy to make arrangements for my hardship for medical family reasons. 
The company refused to refund my money and advised it was part of the loan Note that they could draft another " share '' account when the loan was past due. 
I told them I needed the money returned and I would be happy to make arrangements and apply for the hardship program and pay back the debt, but they still refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I took a loan from US Bank in the amount of {$32000.00} to consolidate debt and pay off a home equity loan with XXXX. The original loan document states that my property was secured by another mortgage. The original loan document doesn't even identify the loan type but at some point in time US Bank treated the loan as a " mortgage ''. 

At the time that I took out the loan no escrow account was created. In XXXX, unbeknownst to me US Bank opened an escrow account for insurance. I called them in XXXX to cancel the insurance and notified them that my homeowner 's insurance and taxes were being paid by my first mortgage lender. 

While I was deployed overseas between XXXX, XXXX, and XXXX US bank continued to charge homeowner 's insurance. When I paid of my remaining balance of {$9700.00} this year they stated that I owe {$4700.00} to close the account due to " escrow advances ''. When I realized they had been charging me duplicate insurance for three years, I told them I could provide proof insurance from my other bank. 

US Bank representatives stated they would remove the charges if I furnished them copies of insurance. I obtained copies of the insurance from XXXX XXXX XXXX and sent them to US Bank. Apparently, it doesn't matter because both policies taken from the banks were lender forced and this somehow makes a big difference that I was double charged. 

After one month of phone calls, the US Bank representative finally said today they will not even attempt to contact the insurance company and reverse the duplicate mortgage insurance charged to my account. So in three years I spent $ XXXX on homeowner 's insurance between the XXXX banks on a house that is worth $ XXXX. 

The insurance should have only cost me {$1800.00} over the course of the three years I was double charged by the banks. I don't even understand why US Bank took out a $ XXXX policy if the insurance policy only covered the $ XXXX that I owed the bank and if the insurance company will not even talk to the Borrower whose home is covered by their policy. 

To add insult to injury the insurance company that XXXX and US Bank used in XXXX, XXXX, and XXXX was the same. The name of the insurance company is XXXX XXXX XXXX XXXX. Why would the insurance company accept duplicate payments for one property? Why are both banks saying the insurance company does not refund for duplicate payments?

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 2021-09-10
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
I feel its unfair that I was not given the full benefit of my bankruptcy chapter XXXX. I already suspect my entire backruptcy was bought and sold BACK to the reporting agencies. ( XXXX, Equifax and XXXX ) I know how bankruptcy goes and none of these court ordered discharged debts should be anywhere on my credit report. These accounts are actively and inaccurately reporting as if I never filed my bankruptcy. I have been disputing accounts and monitoring multiple sites and its awful how I am being treated. I have already contacted an attorney and he will see too it I get justice.

This one particular account I will include in this report is a whole entire fraud case from XXXX! I requested XXXX Verify and validate accounts that shouldnt be reporting be cause they are DISCHARGED debt. Not charge Offs or delinquent or late. My entire credit report has been sabotaged! I demand every negative removed OFF my report. Between XXXX, Equifax and XXXX XXXX, I legit have discharged debt illegally reporting! when i dispute it, each agency comes back with a generic reason adding to the " remarks '' i disputed and chapter XXXX bankruptcy. That isnt how things are supposed to work. 
And under no circumstances should ANY credit reporting employee be allowed to alter, falsify, edit, change or modify any information on reporting documents and if requested it is the duty of that worker/reporter to properly verify and validate any account upon request. There are several inaccurate reporting accounts on my report and when I dispute this one XXXX alters it every single time. I am going to attach my evidence so others can see this and if its done to you, always speak up. XXXX will be held liable, all evidence will be forwarded to the courts. There is a such thing as a victim of malicious fraudulent reporting. And Bankruptcy debt buyers that purchase only chapter XXXX and XXXX bankruptcy debt. I have one planted as a creditor on my bankruptcy documents! 

So be VERY careful with whom you allow to file your bankruptcy! 

this account I have disputed at least 8 times change information EVERY single dispute. 
XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Absolutely noone should be treated this way . And I plan on seeking justice. This whole ordeal is criminal! 

My son just filed a chapter XXXX and all his debt is gone! I have unknowingly been sabotaged almost 4 years now my chapter XXXX bankruptcy was never discharged because its greedy people out here that want to invest in buying and reselling discharged debt! I already know the attorney was involved because he seems to be running now. I hope someone can help me with this problem because its completely overwhelming!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX/Transunion is showing that this is my account I tried disputing it with them and they came back saying that this account will stay on my report. This is not mine I have never had a XXXX XXXX XXXX credit card, I solely have a XXXX XXXX XXXX bank account. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
To Chase Bank, a local branch, where I had an account for several years, I brought in a " questionable '' US postal money order. Let the teller in lobby know I was suspicious. Teller said to wait 3-4 days & if it cleared it would show up. I waited 3 days OVER the verification process before returning. Was told by same teller that it cleared & was GOOD TO GO. Three to 5 days later received mail that no it was fraudulent! Crooked as the day is long!!! Now they say I owe them! What a racket!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Charged for fraudulent charges on XXXX account. They refuse to credit the charges, forced to close account and now they call me 6 times a day harassing for payment. I refuse to pay anything on this

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 2019-07-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Company : HSBC I responded to mail promotion from HSBC ( copy attached ) promising a {$370.00} welcome deposit for opening a checking account, depositing {$10000.00} in the first 30 days, and maintaining that amount for 90 days. The mailing promised that I would automatically receive the welcome deposit approximately 8 weeks after the 90-day period. 

Timeline : - XX/XX/2019 : Account opened and funded with {$10000.00}. 
- XX/XX/2019 : 90-day period elapses ( balance throughout this period = {$10000.00} ). 
- XX/XX/2019 : This is now 8 weeks after XX/XX/2019 so I expect to receive the {$370.00} welcome deposit shortly. 
- XX/XX/2019 : I first try to contact HSBC at XXXX but am on hold for over 20 minutes  and hang up. 
- XX/XX/2019 : I again call HSBC and speak with someone who confirms I have met the offer conditions and says she will get back to me within 48 hours to advise on when I will receive the {$370.00} welcome deposit - XX/XX/2019 : There has been no follow up from HSBC so I call again and speak with a different person who explains that he will need to submit another inquiry with the marketing team and will call me back no later than the following Monday ( XX/XX/2019 ).  Since the person I am speaking with says he has no authority to resolve my issue, I ask to speak with a manager or directly with someone from the marketing team, but am told that is not possible. 
- XX/XX/2019 : Six days later, there has been no follow up from HSBC so I call again. Again I am told that the person I am speaking has no authority to resolve my issue and they will need to submit another inquiry with the marketing team. They can not provide any timeframe for when to expect the issue to be resolved so I tell them that I have not received the welcome deposit I am owed within two days, I will have to file a complaint with the CFPB and the California banking regulator. 
- XX/XX/2019 : I have still not received the funds I am owed or any follow up from HSBC so I am submitting this complaint. 

There are numerous other complaints on the CFPB website regarding similar facts so clearly HSBC is engaging in a pattern of behavior -- promising welcome bonuses for opening accounts and then failing to carry through with their promises. In my case, the bank has had ample notice of the issue and time to respond. Their ongoing failure to correct the error amounts to an intentional act to harm a US consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a auto loan through Wells Fargo Auto that was satified through a Chapter XXXX bankruptcy that was dischsrged in XXXX 2017. Now the commpany is reporting the status of the account as derogatory even though it has been satisfied.

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 2020-12-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was a with SYNCB/TJX CO customer since 2016 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/2016 ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit reports. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness.

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