BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-14
Company: EVERBANK, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Received an offer from them via email earlier in the year for {$250.00} bonus with promo code XXXX, for opening an yield pledge checking account by XX/XX/XXXX and making a deposit for {$1000.00} and the bonus will be deposited within 120 days from account opening date. Since I already have/had a money market account with them for a while, at first I tried to open an account online but since there was no place in the application to enter the bonus code, I decided to apply via telephone and told her that I wanted to make sure that she enroll in this bonus offer XXXX XXXX XXXX. The person took all information and submitted the application but it seems it went pending for review and that I would hear back within 2 days. Since I did not hear back I called after 3 or 4 days and the person said the application has been approved and I again asked if bonus XXXX XXXX was applied and to my surprise the person said that she does not see the XXXX XXXX in my application but she was going to make sure that it was applied while I was on the phone and said she did that. I made the {$1000.00} deposit through employer account but until the end of XXXX had not seen the {$250.00} bonus posted to my account. So, I logged in to my account online and sent a message asking about this on XX/XX/XXXX. A week later I saw the status of the message as " read '' in the message center but no one has responded yet but this is not the first time where they read the message but do not respond. NOTE : When I have called them in the past especially during the application and later on during some account issues, I have had long long wait times and have even their voice recording mention wait times of XXXX minutes - so I welcome the person handling this complaint to reach by email so I can communicate with the person responding to this complaint directly and not by phone. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: NV
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:
don't recall allowing these companies to check my credit report, it was not authorized and therefore must be removed 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 explanation
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 called today XX/XX/XXXX to TransUnion about an account I've tried to dispute with them since XXXX. I was told to try getting proof from the creditor that it wasnt my debt or work it out with them. The company I'm referring to is XXXX XXXX. In XX/XX/XXXX, I was sent to Trans Union fraud department. I was asked to send in evidence that I contacted them for proof of my debt.I actually sent certified mail to XXXX XXXX. So, I send over evidence by letter with pics of my original letter to XXXX XXXX, the certified card from post office, the response from XXXX XXXX which had no proof or validity, only a bill. I'll attach it to this complaint. I never heard back from Trans Union 's Fraud Dept. 
When I called today, I was told that back then, they found that my letter showing proof of non-validation couldn't be used. They said they contacted me numerous times, but I never got a thing from them. If I did, I would've asked them what I could actually use, since that's what they asked me for originally. I know that all they do when disputing anything is send data over to a company who sends a data file back. THAT IS NOT VERIFYING THAT ITS MY DEBT! I've looked up this company and it has numerous complaints about th same thing, incorrect reporting. I also noticed that CFPB has a lawsuit against XXXX XXXX. On page 9 of the filing it says File No. XXXX XXXX Sellers Disclaim the Availability of Documentation to Evidence the Debt they Sold to XXXX XXXX. Sellers typically have not provided XXXX with any Consumer-level documentation about most individual Debts, such as account statements, records of payments, and the underlying contracts signed by the Consumers.  Instead, if desired, XXXX has had to order these documents from sellers, often at an additional cost to XXXX. 

So, if this is the case, then XXXX XXXX has no PROOF nor signature of my debt as I asked them to prove via certified mail. Which means that both XXXX XXXX and Trans Union are falsely reporting on my credit file. 
That's why I'm filing this complaint. 
I've also attached the new letter I sent them yesterday via upload.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XX/XX/XXXX, so my XX/XX/XXXX payment should of processed through my XXXX XXXX account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to XXXX ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought XXXX was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her  what the name of the person who will be calling and she said she does not know. I asked her whattime the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation  and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CALL from May-to no avail. Now I have a late payment mark ( the only one I have on my all my reports ) due to XXXX being unethical and allowing their representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees.

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 2019-08-14
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My husband has a payment arrangement worked out where comenity bank automatically deducts $ XXXX/month every month on an old debt. The payment plan was for 6 months as that was the max allowed and this was the second cycle so now payments have been made for 12 months. The last payment of {$150.00} was deducted tomorrow and today my husband and myself both received a phone call asking us to contact them immediately. I am also frustrated that every time I ask for a written statement they lie and say theyll send one and never do. I have no written confirmation of the debt to confirm the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: EQUIFAX, INC.
State: GA
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 filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I haven't received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage loan with Wells Fargo bank and have been struggling to make payments as a result of divorce settlement. I have been in contact with the mortgage lender several times in phone, email and in person. I have been approved for a short sale, but what I need is a forbearance of payments until we can get the house sold. I've been in touch with the bank since early XX/XX/XXXX asking for assistance and submitted all the paperwork they requested, and have not heard back. I'm a XXXX on full XXXX as well as a XXXX XXXX XXXX, and have served my country for many years and am really disappointed that there is no one willing to assist me. I've been upfront and forthright in the struggles I'm having and trying to be proactive, but Wells Fargo is not responding to my requests so at this point, I'm reaching to the Federal government for help. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Citi bank after a few attempts to collect the debt sold my account for pennies of the dollars to XXXX XXXX solution with a balance of XXXX which includes XXXX of principal ... {$1100.00} ( Interest ) and {$360.00} in fees Which i think is a rip off ... so now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX .UT XXXX XXXX XXXX I went trough a Rufo time, Im able to pay Citi bank directly but collection agencys are living and making profit from people which is abuse, its is a disgrace.Even if you decided to pay the collection agency that record stay for 7 years Hurting your credit score

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 2021-02-24
Company: Ocwen Financial Corporation
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to work with PHH but they had continued to deny that they even had my loan. I called several times and they advised my loan was not with them when I had been receiving notices and mortgage statements from them. I now have a foreclosure sale date and I am afraid to lose my home because they people didnt want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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:
On my credit reports there is wrong information reporting on it. XXXX XXXX account have been closed and is not longer on my report. Also with Equifax, XXXX, and XXXX, there are accounts reporting on my report that are incorrect and are violating the fair credit reporting act. There are unauthorized inquiries reporting. 

On Equifax report XXXX XXXX is a fraudulent account it was not opened by me. 
XXXX XXXX account is closed. 
Also the {$64.00} balance don't have no information and is not completed properly. These accounts need to be removed immediately. 
{$720.00} balance don't have the correct information and the information isn't completed. Their is no credit information listed. ( violation of the fair credit report ) XXXX XXXX Ohio is a fraudulent account I never opened that account. 

XX/XX/XXXX inquiry : XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX  XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX  UXXXX. 
XX/XX/XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX. 
XXXX XXXX, XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX. 

XXXX XXXX XXXX account is closed. 
XXXX XXXX is a fraudulent account. i t was never opened by me. 
XXXX XXXX XXXX XXXX XXXX needs to be removed. I did not approve this inquiry. 

XXXX report needs to be updated. 

All addresses needs to be updated. 
Only current address is XXXX XXXX XXXX XXXX, Ohio XXXX All old names but XXXX XXXX needs to be updated. 
All statements and fraudulent alerts and security alerts needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: AR
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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX/XXXX XXXX {$450.00} XXXX XXXX XXXX  XXXX {$9100.00} XXXX XXXX   XXXX/ XXXX {$9500.00} XXXX XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX issued by XXXX XXXX  has reduced my credit limit from {$4000.00} to {$1000.00} without notifying me which has resulted in a drop of 30 points to my credit score [ XXXX  & XXXX  ]. When I tried to contact XXXX XXXX  the representative could not provide me with actual details why was not the consent taken from the customer esp for a decision that would negatively impact the Credit score. I would request CFPB to review this and consider adding regulations to help consumers from such predatory practices of banks. I think we should be clear to apply the same kind of rules that exists for an entity that checks consumers credit report be applied when they make decisions that would negatively impact their credit score.

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 2020-05-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX of XXXX I accepted an offer where Wells Fargo offered a {$400.00} bonus for opening an account. I was told that they would deposit the money in XX/XX/XXXX. 

When that didn't happen I submitted a complaint with CFPB case # XXXX. 

Wells Fargo responded in a letter to me dated XX/XX/XXXX stating that they would pay the money within two billing cycles. Today is XXXX XXXX and I have received two additional statements from Wells Fargo but they have never deposited the {$400.00} bonus they said they would. 

I spoke with the executive office this morning and they said that they are unaware of the letter that I received. 
I have attached it and certify that it is the letter I received from Wells Fargo Is this really the correct behavior for one of our country 's largest banks?

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 2019-08-14
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  after a few attempts to collect the debt sold my account for pennies of the dollars to Credit corporation solution with a balance of XXXX which includes XXXX of principal ... {$1100.00} ( Interest ) and {$360.00} in fees Which i think is a rip off ... so now Credit corporation solution Inc XXXX XXXX XXXX XXXX XXXX  XXXX XXXX .UT XXXX XXXX XXXX I went trough a XXXX XXXX, Im able to pay XXXX XXXX  directly but collection agencys are living and making profit from people which is abuse, its is a disgrace.Even if you decided to pay the collection agency that record stay for 7 years Hurting your credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Experian Information Solutions Inc.
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:
FTC Violations XXXX XXXX  {$48.00} XXXX XXXX  XXXX {$2400.00} US Department of EDU total {$3700.00} XXXX XXXX XXXX USDOE/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my credit report I noticed a collection. All my accounts have been paid on time. I dont know what this is about. I noted that I submitted a complained about my student loan remark Im late on the student loan but this loan is has been on forbearance it was approved by the XXXX. I noticed that my score from one of the reporting agency has lowered. I feel they are using scare tactics because they were caught making false allegations on my 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 2018-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am submitting this complaint as the 3 major credit reporting agencies have not returned an acceptable response to my identity theft report disputing items that have been fraudulently reported to my personal credit reports

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 2021-04-27
Company: Experian Information Solutions 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:
This account does not belong to me.

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