BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-02
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: Their investigation did not fix an error on your report

Complaint:
Experian, I filed a dispute reference XXXX XXXX XXXX WA, through the dispute process. 
The role of the national consumer credit reporting agency in the dispute process is to review the accuracy and completeness of any disputed items which may include contacting the furnisher of the information and its source. 

It appears that Experian is rubber stamping what the collection agency has placed in their files without any verification. 

XXXX the original alleged creditor removed reference to this account during XX/XX/XXXX. 

In XX/XX/XXXX XXXX XXXX placed a reference to the above in my credit file. ( NOTE : The original date they claim is XX/XX/XXXX ). 

In alternating places in the Experian display they claim the amount due is {$1600.00} and or {$260.00}. The display does not show an amount due prior to XX/XX/XXXX 

That alone should have raised a red flag along with the differing amounts claimed due. 

Experian claims in their dispute resolution section, in their review the disputed has been verified as accurate but they do not say how it was verified.

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 2018-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Called Wells Fargo today asking when will the {$150.00} be deposited into my account for opening an new account and within 60 days I get an directly deposit more than {$500.00} I open acct on the XXXX or close to it and my direct deposit started XX/XX/2018 within the 60 days that 1st {$150.00} should be deposited and the next {$100.00} comes for the next 5 months as long as my deposit stay at least {$500.00} I will get the other {$100.00} Now they coming with some Bait and Switch telling me my account and deposit was not done within the 60 days after I was told by Lady who open my account up and said I will get the promo and thev1st {$150.00} is within the 1st 60 days Now I'm neighborhood told I HAVE TO WAIT THE FULL 5 MONTHS THIS IS A LIE ...

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 2018-08-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ive been having issues with 5th 3rd ( the bank ) since its inception taking over my mortgage loan from the previous loan servicer. First, the bank failed to calculate my escrow account balance correctly by missing the begining balance, then the bank failed to calculate the interest payment required of escrow, now it simply refuses to properly apply payments ( as a result of its own internal failures applying payment ). The bank has falsely reported to credit unions that I have missed payments, when in fact its the banks own failure applying payments. In the end, now my credit report is filled with errors and the bank os requesting extra payments for previous payents ( made 1 or two dayd before due date were improperly applied ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10
Company: AFNI 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:
Re : AFINI.INC Dear AFINI.INC, I have never recieved any written correspondance from this company. AFINI.INC added a collection to my credit reports with XXXX, XXXX, and XXXX that resulted from crime ( s ) that have taken place. This is invalid. I did not recieve any services or goods from the original creditor. However, I am still held resposnsible for this debt. You are hereby in violation of THE FAIR DEBT COLLECTION PRATICES ACT by adding a collection to my credit reports without my knowledge. You're also in violation of THE FAIR CREDIT REPORTING ACT by reporting inaccuarte information to credit reporting agencies. You were notified by the above mentioned credit reporting agencies not only were you frowarded copies of an FTC Identity-Theft Report as well as an Identity-Theft Affidavit. Still you fail to comply with laws enacted by Congress for victims of identity-theft. I am a victim of identity-theft and request that this debt be removed from my credit report. Failure to comply shall lead to legal actions. I will seek punitive damages for defamation of character for my name being assocaited with debts I do not owe as well as your neglilence to adhere to FAIR CREDIT REPORTING ACT. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 a collection for a vehicle that I surrendered over 10 years ago. At that time I was instructed that I would receive a letter prior to the vehicle going to auction that I would be able to reinstate my payments. I fought the finance company on setting up my payments and in the meantime they sent the car to auction without sending me the letter explaining my options, which by law they have to send the letter. I contacted an attorney who in turn wrote a letter on my behalf. They finally agreed to charge the debt it off. I want this off my report. I did not even know that this was on my report until I applied for a mortgage and it shows up this many years later. Unfortunately my home was robbed and they stole my safe with all of my legal and important papers. This is such an old account I have no way of providing all of the supporting evidence that was used in the initial dispute against XXXX XXXX over this vehicle. Please remove this from my report as the letter was never sent and I feel the company did not follow the law. I have not had any contact or notices in years! Again, please remove this from 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 2021-08-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

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 2018-11-10
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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Discharged CH-XXXX XXXX XXXX XXXX : XXXX Experian XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : 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 2018-08-20
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2018 I received a solicitation in the mail to apply for a XXXX XXXX credit card issued by XXXX XXXX. They were offering {$75.00} bonus money if I spent {$500.00} in the first three months ( {$25.00} credit with my first purchase, {$50.00} after spending the {$500.00} ). I applied online and was approved on XX/XX/2018. I received and began using the card on XX/XX/2018. I received the initial {$25.00} bonus credit from the credit card company on XXXX-18. On XXXX-18 I had charged over {$500.00} and paid the amount in full on XXXX-18. I have not used the card since then. I waited to receive the second bonus payment of {$50.00}, and when I didnt receive it, I emailed the company on XXXX-18 and again on XXXX-18 asking where the bonus money was and was told they would look into it. On XXXX-18 I received a letter in the mail stating that my request had been processed and to allow up to two billing cycles to receive my credit. I finally received the credit to my account on XXXX-18. On the same day, I tried two different times to use my credit card to spend the {$50.00} credit and was told my card was declined. I called the customer service number on the back of the card, and after going around and around in the automated loop for what seemed like an eternity, I finally reached a real person. She said that my card had been blocked and she would transfer me to the department that handled that. When she did, an automated message said that number is no longer in service and it disconnected. I just went online trying to access my sent messages to get the correct dates to file this claim, and for no reason it logged me out. I believe I am getting the runaround because I no longer use the card, and that they are purposely making it impossible for me to get the bonus money that they owe 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 2018-08-20
Company: RIA FINANCIAL
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Dear Sir/ Madam, Order Number : XXXX I sent XXXX {$700.00} to my recipient in XXXX on XX/XX/2018  by XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX : XXXX ( XXXX ) XXXX Fax : XXXX ( XXXX ) XXXX But as of today, the recipient XXXX XXXX XXXX has not received the fund XXXX XXXX. This money supposed to deposited by XX/XX/XXXX to his XXXX XXXX account. I contacted everyday then since and XXXX XXXX XXXX Customer service will tell me that they are confirm that money will be deposit tomorrow. So, Finally, on XX/XX/XXXX, I request the proof or contact name in XXXX but they denied. On XX/XX/XXXX, I request the money back to my XXXX XXXX XXXX but they refuse again. I have there Ten email saying that money was deposited but its not.I also contact them toady by XXXX and by phone and same answer. Money will deposit tomorrow. I told them next 5 days Bank will be close in XXXX for XXXX. I don't know what to do. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, Suite XXXX XXXX, GA XXXX Cell : XXXX Email : 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 2018-11-10
Company: Unisa, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed these items placed on my credit report by XXXX XXXX XXXX and Unisa Inc with all 3 credit bureaus for {$400.00}. It states it was opened XX/XX/XXXX with XXXX XXXX XXXX and Unisa inc stated opened XX/XX/XXXX as an education loan I never applied for they seem linked. XXXX XXXX XXXX removed it from my credit report after I placed a dispute with all 3 credit bureaus. I look today at my credit report a month later and XXXX XXXX XXXX has placed it back on my credit report again. I have no idea what these debts or installment loans are for I was never sent proof of the debt nor any sort of ledger card  showing I attended the college or there services. I would like proof showing why I owe these debts and how they have my information. I have no knowledge of this debt or debts.They are causing damage to my credit report and I would like to get to the bottom of this with this agency or agencies. I will also be writing a letter to my states attorney general in regards to these companies I have no business dealings with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
On XX/XX/2020 I was looking through my account and noticed a transaction I had never seen before. It ws {$150.00} going to some unknown company in XXXX. I immediately contacted the bank and stated, I needed my money as I could not afford to lose anymore money..Living off SSI which has been going to American Express for years XXXX But ironically it was very noticeable how when my stimulus money came in things internally started to come apart. More and more little transactions started to flying out of my account. Its been a nightmare for many reasons these are People in the XXXX you can never understand what their are saying. Extremely bad English!! This is what happens when you out souce work in America. They're profoundly rude and disrespectful of this process we have here in America!! In the end they blew me off and told me basically to go kick rocks and they're refusing to return my stolen money. I did what little research I could on this fake internet site. By clicking on the link in the email sent to me by Amex. Express and it came back as a fake email. In all the years I've dwelt with this bank never ever before have I seen this.!! Still don't know what it truly is. I believe the theives are in the Bank. It's and inside job. It makes No sense at all.!! Please help me get all my money back and there some criminal charges that can be brought against them. This is now over {$200.00} I can't afford to lose that kind of money. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: SinglePoint GI
State: VA
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 University made an error. I brought the error to their attention, and XXXX XXXX University fixed the error. However, XXXX XXXX did turn the account over to General Revenue Corporation. 

It is my understanding that XXXX XXXX University has been trying to reach out to General Revenue Corporation, but no success. 

General Revenue Corporation keeps contacting me for payment. My student loan paid this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello - I have Auto debit on my honda finance account. There was a problem with some bank transfers in the middle of our shutdown in NY, and I transferred by account to my savings account to auto debit from there. Their website is very wonky, but Ive done it before and had no issues. I did not print out my confirmation because of past experience. 

I then got a late payment call in XXXX ( no email, no letters ) and I was told that payments were not received. I had no idea. The *moment* I got the call I paid off my balance immediately. 

I told this to American Honda finance and they responded with a cold distant form letter. I've had four vehicles with them with NEVER a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My TransUnion report notified me that my previous mortgage lender showed me with a 30 day late payment as shown below. However, my account was paid current and never late and was actually being transferred to another lender three months after XXXX originated the loan with me. I was then sent a letter from the lender stating that I was protected from any late payments under Federal law for 60 days while the loan was being transferred on XX/XX/XXXX. I made my XXXX mortgage payment to FBC on time and their records will show the same. They then had to send that payment to the new lender since the new lender took over the account and was not showing a payment made to XXXX XX/XX/XXXX. XXXX then transferred my XXXX payment to them to get it current and for some reason they reported the payment as being 30 days late. 
Not only is this fraudulent, but they violated my Federal protection during the 60 day transfer window. I have contacted XXXX via phone XX/XX/XXXX and they said I have to wait 60 days for it to update. This is not acceptable and is fraudulent reporting on their behalf. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Mortgage Account Loan Type : CONVENTIONAL REAL ESTATE MTG Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : : XX/XX/XXXX Pay Status : >Account 30 Days Past Due Date< Terms : {$0.00} per month, paid Monthly for 360 months Date Closed : XX/XX/XXXX Maximum Delinquency of 30 days in XX/XX/XXXX High Balance : High balance of {$560000.00} from XX/XX/XXXX to XX/XX/XXXX Remarks : TRANSFERRED TO ANOTHER LENDER Estimated month and year that this item will be removed : 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 explanation
Consumer complaint received 2018-08-21
Company: Consumer Portfolio Services, Inc.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My loan is for 60 months at {$370.00}. The loan term began XX/XX/2014. I have received 7 extensions due to financial difficulties. As of today, and with late payments, I still owe {$10000.00}. There is no way my loan is adding up to the terms. I added in the extra 7 payments for the extensions I took out, and this company has me for an extra four thousand plus dollars! I want to know where it came from. My original sales contract called for {$9200.00} in interest, and Ive already paid {$9400.00}. 23 % Interest!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Dyck-O'Neal, Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dyck Oneal is falsely reporting a collections account as an unsecured loan. I did not take a loan with this company. The debt owed was a settlement on a short sale of a property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I called PNC Bank to open a dispute for the full amount ( {$220.00} ) of a transaction that posted to my debit card on XX/XX/XXXX. On XX/XX/XXXX, I received a questionnaire in the mail asking for an explanation " describing the nature of your dispute, and the dollar amount of the error. '' I mailed back the attached explanation the following day. 

On XX/XX/XXXX I received another letter asking for a copy of a receipt or billing statement. I called to inform that I don't have a receipt or billing statement. This was clearly indicated in the written explanation I had mailed earlier. 

On XXXX I received a letter informing me that my claim had been denied. I called, and was told the claim was denied because a receipt would be necessary to process a partial amount dispute. I was confused because I was disputing the full amount of the transaction. The representative told me the dispute was opened in the system as a partial dispute, and I should have noticed that the incorrect amount was temporarily provisioned back to my account. I countered by saying that in my written explanation I had indicated a dollar amount of the error that was the full amount of the transaction, which clearly no one read at any point. The rep refiled the dispute, and told me I may be getting additional questions in the mail. I became concerned that I already received a questionnaire to which I responded previously, and would not want to be receiving the exact same questions again. The rep assured me that all documents from the original dispute would be transferred to the refiled dispute, and I should only receive requests for new information. 

Sure enough, on XX/XX/XXXX, I received in the mail the exact same template questionnaire I had received the first time around. I mailed back the exact same explanation ( attached ).

Company response to consumer: Closed with explanation