BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-25
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2019 I needed a refund from a store that could only refund via CC. The prepaid card I purchased and have the refund on is called Bluebird, backed by American Express, then involved with a third party called SERV. The temporary card receive a refund for {$110.00} in the first week of XXXX, which Bluebird themselves told me. However, there was an error on their website which is supposed to link the temporary Bluebird card, to the new card sent in the mail. I called Bluebird to make sure everything went thru correctly, and was informed that my registration and activation were both completed properly, the cards were linked, and I wouldn't need the temporary card anymore because as soon I activate the new card, the funds would automatically transfer. Over a month later, they have my money on the temporary card, it never transferred to the new card. However they know it's there, it's on my registered account with all of my personal information including social security number, yet they have repeated refused to offer any resolution because of a technical problem that did not link the cards. So they have my money, can not transfer it, can not mail me a check and basically charged me {$5.00} to steal more than 9 hours of my life pursuing payment of what is rightfully mine. XXXX XXXX, the issuer of the refund, also has record of this transaction. I have spoken to 3 different FOREIGN customer service SUPERVISORS, over 12 " Customer Care '' representatives, including some with American Express, only to be lied to and at best led to believe they acually cared about my stolen money. NEXT CALL I MAKE IS TO MY ATTORNEY!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
RE : Wells Fargo Dealer Services This is in regards to Wells Fargo reporting that I made a lie payment on a car loan. 

A late payment was NEVER made and I have a letter showing that Wells Fargo made a mistake in marking this as late and even FULLY REFUNDED the late fee. 

Request : Rectify and delete late payment

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 2021-04-14
Company: Novad Management Consulting LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After doing a loan modification we received an approval but the payment was too high for us. To save our credit we decided to do a short sale with XXXX. When we began this process we were less than 4 years behind on the mortgage. XXXX took forever to work out our short sale and then they transferred the loan to XXXX XXXX owner of the loan is HUD ). We then had to start the process all over again. 

HUD recently denied us stating we are 40 months past due so they wont review our short sale. XXXX did an appraisal which came in at {$470000.00} three months ago and the offer is a full price offer which is {$470000.00}. HUD has denied giving us proof of this 40 month rule saying its an internal rule and there is nothing on paper. Even if this so called rule does exists, the basis of it makes no sense to all parties involved, included HUD. 

The short sale has been in process for 2 years. The bank has done several appraisals showing value of XXXX. The offer is {$470000.00}. The buyer has stayed around through delay after delay and has a family which they were trying to place in the home and in the school system. Why would HUD want to waste tax payer money to take a home in which they have an offer at the the current value of the home? We understand the borrower is behind and he is trying to do everything to avoid a foreclosure. There is no justified reason to let this house go into foreclosure when we have such a solid offer, again, at the market and bank value. 

HUD will have to evict the owner after a foreclose and then resale the house which could take a few years and will end up with a potential offer lower then what we have or at the very least equal to it. After taking into consideration fees, costs and expenses over the next 12-18 months HUD will take even more of a loss then they have which in turn will cost tax payers even more money that can be avoided. We have a strong buyer who can close within 45 days of short sale approval. Please have this decision overturned and approve the short sale. 

( XXXX ) XXXX case # XXXX. This is the contact information we had and spoke to several reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Someone has used my SSN to get a tax return. I have had a fraudulent check put into my checking account. Someone has managed to be able to get a couple of loans and open a checking account as well. There are 53 hard inquiries on my credit report. I have paid XXXX XXXX  about {$200.00} all together to help get them off. They didn't do anything but call and bug me for more money. I have called the credit bursaries and asked recently and today. so something might change soon. I need to refinance my car with in the next 30 days. I have been dealing with this since XXXX the first time I filed Identity theft. I just did again last month after I found about someone using my SSN to a tax return. I sick of this I've only had three cars on my credit and two credit cards. the refinancing is part of a court order so my ex will get his truck off my credit and I do the same for him. all this is making it financial hard because I need a lower car payment and I need NOT to break that court order. National Credit Adjusters or they go by XXXX, XXXX XXXX XXXX was one but you'll help me with that one and it is no longer on my credit thank you, XXXX XXXX. The XXXX XXXX is the fraudulent check put into my account. I did get a loan with them but a second check ended up in my bank account at XXXX XXXX XXXX and I was cleared of having anything to do with the second check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX  / XXXX / {$3800.00} XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-02-03
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Experian is furnishing accounts that are not mine! Pursuant to Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ) I am requesting ALL alleged debts to be verified within 72- HOURS of receiving this request or they be IMMEDIATELY REMOVED! Please see attachment for accounts in question.

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 2018-01-05
Company: CITIBANK, N.A.
State: TN
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:
We made 2 / {$1000.00} payments to our Citi Simplicity Credit Card. 
We have documentation of the payments / they were deducted from a prepaid XXXX XXXX debit card on XX/XX/XXXX and XX/XX/XXXX. 
However Citi has claimed that the payments were received then withdrawn back to the card. This is not an option for this prepaid debt card. Also the transactions show full payment made, received, and withdrawn from XXXX. We have spent months being asked for statements and proof of payments made, which we have sent multiple. We have tried to do everything they ask us as well as continue to pay monthly even while in dispute. It appears as though they keep changing the monthly rate giving us insane interest fees different each month even though the balance shows little to no decrease because of the interest rate they are charging us on the closed card. 
We have sent them direct paperwork from XXXX XXXX, as well XXXX XXXX Representatives contacted them directly. 
All of the XXXX XXXX transaction papers that I have sent them copies of show proof of payment, And absolutely no returned payments. We have never made a late payment with this company and before this debacle we have paid well over the amount due. And they still decided to shut the card off. Please help, we are at wits end.

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 2021-12-20
Company: Collection Bureau of Walla Walla
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Walla walla credit bureau has contacted me repeatedly for a debt that has already been paid. The debt is no longer on credit report and I received paid documents over 5 years ago. They call constantly but will not give proof of debt. Just demand money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I the attempt to get my credit score up and repair my credit rating I have attempted to acquire a personal loan to take care of an old debt that is in collections. I paid off my vehicle note in an attempt to increase the score that was hovering around the XXXX mark and reduced any current card usage. XXXX XXXX and XXXX score today went to XXXX which is helpful but Experian has lowered my score to XXXX. I call Experian at XXXX on XX/XX/22 to see why it is such a huge difference and they actually lowered my score upon paying off my vehicle loan and they only tell me it is due to the way their XXXX scoring model works. How are they allowed to use a model that is so different than the other credit reporting agencies? They is a XXXX point difference. This has done more damage to my credit score and I will not be able to get the funds I am needing to try and clear up the issue with the collection account. I feel I as a consumer have been robbed by them with this action. If i needed to get a home or even a new job at this time and they run a credit report I am just out of luck at this point. This does not seem to be fair or even legal. What can myself or anyone else do about 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 explanation
Consumer complaint received 2021-03-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Mortgage servicing bank for my home loan debited my checking account for my {$2200.00} XX/XX/2020 automatic ( EFT ) mortgage payment but did not apply the payment to my loan account. Without notification or explanation, the mortgage bank then returned my XXXX mortgage payment by mailed check in XXXX of 2020. 

The mortgage bank then reported, without notification to me, to all major credit reporting agencies that my XX/XX/2020 payment was past due by over 30-Days. This resulted in a drop in my credit score of over 100-Points that is now preventing me from getting a new loan at the lowest interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Experian Information Solutions Inc.
State: TX
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:
Per the Texas Finance code even a credit bureau is required to have a valid surety bond to collect on debt. This company does not have a valid surety bond with the SOS of Texas and is attempting to report and collect debt on my credit report. Specifically, debt from XXXX XXXX XXXX  Texas Finance code Section 392.101 The regulatiin rewards {$10000.00} For each violation.

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 2018-06-04
Company: SUNTRUST BANKS, INC.
State: UT
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 have a delinquent account to XXXX/Suntrust bank. It says ( delinquent 90 ) but it also says Account closed due to transfer Opened activity : XXXX Balance : XXXX Past due : XXXX There is also that same account in my closed accounts section from SunTrust bank that says on the account I opened with them on XXXX was settled and that the account paid in full for less than the full balance. 

That SunTrust delinquent account has been closed and dealt with so I don't understand why its still killing my credit by being in the wrong section

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After reviewing my most recent annual credit report, and info that was processed with my 1st cfpd complaint with TransUnion Credit Bureau on XX/XX/21. Listed below are several hard inquires against my social security number that I did NOT Authorized, said creditors listed below my personal information to submit or inquire to obtain credit. I did not authorize or give consent to gain access to my credit profile which is an act of scam or fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - 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 2022-01-20
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/22 I made a wire transfer to the person name XXXX XXXX XXXX {$48000.00} Routing XXXX, account number XXXX. On XX/XX/22 another wire transferred {$14000.00} to the same person & same account number. That persons address XXXX XXXX XXXX XXXX XXXX Tx XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: ERC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Enhanced Recovery Services has reported this paid debt to my credit report without notifying me of the debt. They have an incorrect mailing address and will not send me notification of the debt despite me contacting the company to provide my correct address. I have paid the debt and submitted verification of this to them and the previous debt collector on this account, XXXX XXXX XXXX. XXXX XXXX XXXX knowingly sold a paid debt to another debt collector!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: EQUIFAX, INC.
State: TX
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:
After several attempts to get information corrected via their dispute process Equifax failed to properly address multiple inaccuracies on behalf of XXXX XXXX in regards my credit file. 

As of XX/XX/2019 after receiving notice and letter in response to a complaint previously filed with CFPB and being provided a copy of the response to delete the tradeline from XXXX. Equifax has updated the report by leaving this tradeline on my credit file They recieved this information from both XXXX during their investigation and from me at the start of the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: EQUIFAX, INC.
State: TX
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:
ftc.police was sent about the inaccurate in formation with

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2019-09-25
Company: I.C. System, 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:
I.C. SYSTEM, INC is reporting an account on my credit report with XXXX  XXXX XXXX by three different names with different information on each report. This account reporting states a {$920.00} collection account however I do not have knowledge of signing an agreement with terms and conditions with I.C. SYSTEM, INC.

According to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

In summary I.C. SYSTEM, INC has not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

This company additionally is not licensed although the state of California requires a debt collection agency to be registered and licensed in order to do business within this state.

I have contacted this business providing the facts stated here but at this time the company is still reporting inaccurate information and will not respond to the demand of removal.

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