BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-14
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: Was not notified of investigation status or results

Complaint:
Last XX/XX/2021, I sent letters to these credit reporting services to dispute inaccurate items on my credit report. They have been continuously reporting these items that are unknown to me for a while now and if I hadn't checked my personal credit profile two months ago before applying for a personal loan, I wouldn't have known about these derogatory items in my profile that are catastrophic to my credit score. 

It has been over 60 days since I sent them my dispute letters, and I have not received a single response from either one of them. I was already upset because I had to postpone my loan for two months since I need these items removed immediately and my credit score updated, but now, I feel like I am being ignored and taken advantage. This is in violation of the FCRA. Section 611 ( a ) plainly states that a failure to investigate any items within 30 days will result to the immediate removal of those items from my credit report. It has been well over 30 days, so they should have been deleted 30 days ago by law. If these accounts will not be deleted immediately, I will file for litigation against them in their violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: DISCOVER BANK
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had been with discover credit card company since XX/XX/2020. I immediately set up automatic payments to be processed on the XXXX of every month from my banks ( XXXX XXXX XXXX ) savings account. Every time on the XXXX, discover sends me a text and an email saying my payment was RECEIVED but couple days later, I get hit with a returned payment fee of approximately XXXX dollars three or four times before the payment actually goes through despite having sufficient balance in my savings account. I tried to talk to my bank to resolve this issue which was also unsuccessful. This has been happening since XXXX of last year and I have been charged 12 times for returned payment fee by Discover. Last month, for instance, discover sent me a text as well as an email saying my payment of {$57.00} was RECEIVED. I called a discover agent and asked if the payment actually went thru and if it was received by discover as they say it was. The agent affirmed that the payment went through and reassured me that I have nothing to worry about. Few days later, discover charges me returned payment fees despite having sufficient funds in my bank account. This has been an extremely frustrating experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: Netspend Corporation
State: OR
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:
So i purchased a few things from XXXX useing gift card and debit card. I decided to get something else somewhere else so I return the items and when I return the items they put the full amount on my debit card. Which in XXXX policy is says when you use a gift card in combination with credit or debit card that it will all be refunded to your debit card. So NetSpend put a temporary hold on my card and requested for the receipts for proof that I purchase those items I have sent it to them and they still have not unlock my account. I called them and they hang up on me or put me on hold for several hours where I end up just hanging up they also claimed to only have received one of the receipts which I sent them a picture of both of the receipts so there's no possible way that they could have only received one it's just ridiculous and I'm not getting anywhere with them it's been several days

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 2019-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX will not remove the errors on my account they are derogotory i don't owe this money i called XXXX  they cant explain anything about my account because there is no record. XXXX  has it down as four accounts owing {$1100.00} i called XXXX XXXX they have me down owing XXXX not XXXX i called XXXX  coul not explain any account owing with my name, they need to remove this i have a new account with att they wouldn't of given me an account without paying the old one because i don't have a owing account closed for XXXX equipment returned {$380.00} is wrong someone made a big mistake because of this i have been denied credit for four years. i have been so stressed out about this big error. I m trying to own the American Dream this mistake that XXXX  is doing to me has ruined my name. please ask XXXX  they have it wrong please remove i attempted to remove myself and XXXX  wont do it they lied to me and i have been denied credit so many times i'm so stressed out my heart can't take it. my goal is to own the American Dream, i have been turned down so many times. i don't have dates of this error because there shouldnt be one.  Its ruin my life! please help me ask XXXX to remove. and i should be compensated for the errors they made im depressed they turned my life upside down. my name is ruined because of this. thank you.

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 2020-05-17
Company: WHEELS FINANCIAL GROUP, LLC.
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:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER ASSOCIATED WITH THAT COMPANY AND HAVE NEVER REQUESTED ANYTHING FROM THEM. I AM A VICTIM OF AN IDENTITY THEFT AND THE ACCOUNT WITH THEM UNDER MY NAME IS NOT MINE, IT WAS NEVER MINE, I HAVE NEVER MADE ANY PAYMENTS OR I REQUESTED TO HAVE THIS ACCOUNT, I HAVE SENT THEM PER THEIR REQUEST ORIGINAL POLICE REPORT, ALONG WITH MY IDENTITY THEFT REPORT AND SIGNED NOTARIZED PERSONAL STATEMENT THAT THIS ACCOUNT IS NOT MINE. THERE IS NO ADDITIONAL INFORMATION I AM ABLE TO GIVE THEM AND UNFORTUNATELY I HAVE NO IDEA WHO THE THEIF IS. ALL I KNOW IS I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've tried to resolve this issue multiple times but I'm getting no where. The accounts that are listed on my report that I'm disputing doesn't even have an address listed on my report so how are the accounts being verified??? I don't have a name, telephone number or any way of contacting these companies so how can the accounts verify as my accounts?? I need the accounts removed immediately. Their are laws put in place for this type of issue to protect a consumer but what do you do when they aren't being followed??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2018, I went to XXXX XXXX of XXXX XXXX Virginia and purchased a XXXX XXXX XXXX  for the sum of $ XXXXUSD. I signed a sales contract along with a co-signer on that date and left the dealership. 

Today, XX/XX/2018, I am being told by representatives XXXX and XXXX at XXXX that the bank has not yet approved the loan. XXXX presented himself as the Sales Director and claims the bank, Santander USA, will not process the loan without an additional $ XXXXUSD ( a full month after the sale was made ). 

I am told I can not speak to anyone at Santander USA as they refuse to deal directly with customers. This bank is behaving in a suspicious manner. If financing was approved on XX/XX/2018, how are they now allowed to ask for an additional $ XXXXUSD 30-days later? According to the dealership, my first payment is due on XX/XX/2018, but I have not heard from or received any billing notices from this supposed bank. I do not even have a loan number to reference. 

Lastly, I'm not sure that this bank should be allowed to operate within the United States if they can make up terms to contracts after the initial terms were agreed upon and a contract was signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX and XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX- Account number XXXX/XXXX  XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you

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 2019-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sold my home and the mortgage was with XXXX XXXX XXXX. The account is listed on my credit report as being late, when the home was sold and XXXX was paid in full. I tried to work with XXXX to get the matter resolved but had no luck. Can you please help.

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 2020-10-15
Company: Experian Information Solutions 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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below isn't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX 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 2018-06-09
Company: Pinnacle Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company sent me a debt collection notice about 4-5 years ago. I responded back in 30 days and told them I did nt owe the debt, as I have no knowledge of a account with the company in question. After that, I didn't hear from them for about a year, until they sent another debt collection notice. I again sent them a letter of dispute, from which I heard no reply. Last year, I received yet another debt collection notice. I once again responded with a letter claiming I dispute this debt, as I have no knowledge of this account. This time they sent a verification letter of the debt, but also stated they can not legally sue me or put the debt on my credit report. I took that into consideration along with the fact that the debt is not mine, and responded with a letter asking them to not contact me any more. Now, today I received yet another debt collection letter. At what point does this become harassment?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In XXXX I opened a checking account and had a lot of money missing from my account. Overdraft fees and fees for things I didn't understand.

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 2020-08-01
Company: Penn Credit Corporation
State: CA
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:
After initial contact, I sent Penn Credit a debt validation letter in XX/XX/2020 with no response until XX/XX/XXXX of 2020. The request for payment claims I owe XXXX {$260.00} for purchased merchandise. However, I have not been contacted by XXXX and assume they have had ample time to send me a bill. Im not sure if this debt is valid because they have not responded to my validation request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent several letters asking to remove the incorrect names and addresses on my credit report. First, I don't know how the information was provided because I dont have accounts of anything on my report I have NEVER lived at the addresses provided on the reports. Please be advised I have sent 5 letters at 5 different times asking to send a revised reports with the correct information on it. 
I have sent letters to XXXX, Equifax, and XXXX  on XXXX Please address the the bureaus any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} Please help me and advise how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: CITIBANK, N.A.
State: MD
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:
Citibank build me for a membership fee of {$95.00} when I had no account with Citibank. I believe this to be a credit card scam. The scam stated I was a member since XX/XX/2017 I've never had a Citibank card in the last 20 years.

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 2018-06-09
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Citi Double Cash Card on XX/XX/XXXX and was approved for the card after additional verification steps on XX/XX/XXXX. This card was suppose to have a XXXX sign up bonus after I spent XXXX dollars in purchases. I asked them if I would receive the sign up bonus prior to using the card and the lady that I was speaking to said that she did not know. So after spending XXXX dollars I contacted the customer service department to see when I would receive my sign up bonus and they stated that I would not receive a sign up bonus because I didnt apply under the correct link. The sign bonus information is posted directly on the Citi website when you look up the Citi double cash card. Which is how I applied for the card. This offer was just created on XX/XX/XXXX for the sign up bonus. After seeing a article on XXXX XXXX for the sign up bonus on XX/XX/XXXX, I applied later that day. I have called multiple times to figure out why I was not receiving the sign up bonus and some of the customer respresentatives I spoke to hung up on me and I had to call back and they still couldnt tell me anything.

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 2020-12-17
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i requested an investigation on XX/XX/2020 with follow ups on XXXX/XXXX/2020 XX/XX/XXXX/2020,XX/XX/XXXX/2020 and XXXX/XXXX/2020 regarding to a inaccurate information that is been report and this company ignored my request violating my rights.

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 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
these companies are inaccurately reporting items on my credit report that wasnt authorized by me. I contacted them over 60 days ago and still didnt get a response nor did i get any sort of solution to this problem. I attatched those letters.

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 2020-08-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my mortgage loan was transferred to Rushmore by XXXX XXXX mortgage loan last XX/XX/2020. I have been making payments since the transfer never missed payment and now Rushmore is sending me my monthly bill of {$4700.00} and my usually monthly is only {$1400.00}. I request Rushmore to provide me info as to how they come up with this bill. 
they have provided me it. 
This problem has been almost three ( 3 ) years now going on with XXXX XXXX but they just doing run around ... 

I have been requesting Rushmore to REFI my loan through their " STREAMLINE '' loan as suggested by RI Housing. I haven't heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice from XXXX  on XX/XX/XXXX that I had a new collection account. The account is shown as Southwest Credit Systems ( SWCS ) XXXX XXXX XXXX # XXXX, XXXX, TX XXXX - XXXX. The collection company is collecting a debt from XXXX cable company. The original debt with XXXX was first shown as delinquent XXXX XXXX and the account was closed on XX/XX/XXXX by XXXX. 
The collection account is showing on XXXX as a Date Opened XX/XX/XXXX with no information of a first delinquency date or any other information that shows this account is a collection account from XX/XX/XXXX. The only indication that this might be an older account is that the On Record until date shows XXXX XXXX. 

I called SWCS and the collection company verified the dates of first delinquency as XX/XX/XXXX and the closed/charge off date of XX/XX/XXXX. I asked them to update the open date the the correct date and or report the date of first delinquency date as XX/XX/XXXX so the account doesn't show as a new delinquent account. The representative stated they would not. SWCS representative stated that open date is the date they first started to collect the account and they do not have to report any other information on the original delinquency. This company is re-aging the collection account to make it appear this is a new collection account. 

I disputed the account with XXXX  and told the representative that SWCS is showing an open date as brand new collection, not reporting information showing this is a 5 year old collection account. The XXXX   dispute came back as verified and no information was changed. This is illegal credit re-aging. 

Section 623 ( 5 ) ( A ) says : In general. 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.

Company response to consumer: Closed with explanation