BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have a collection account recorded on my credit report that is not mine, and was opened by someone using my name. I have reported this and spoken on the phone with representatives, who can verify that I have NEVER had this account with  XXXX . They will not confirm whether or not this has been removed from my credit report. When I try to check on the status online, I get a message that I am not allowed to view my dispute status online, without any explanation. I have never done any business with  XXXX , nor have I lived at the address where the original debt occurred. I disputed in  XXXX  of    2017  and my dispute case disappeared. I disputed again in  XXXX     2017  and this company will not let me check the status of the dispute online, and they have not responded to any emails regarding this fraud on my credit report.      XXXX  investigated and removed this right away.

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 2020-01-31
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, NewRez LLC dba Shellpoint Mortgage Servicing took over my mortgage from XXXX. XXXX told me to continue to pay them, that Shellpoint was name only. This was incorrect. When I tried to pay XXXX my payment in XXXX it bounced back to me. I immediately called Shellpoint and they told me that I should be paying them. They explained that is takes time for information to go from one company to the other. I paid this payment on XX/XX/XXXX and then paid my XXXX payment on XX/XX/XXXX. Two days ago I received a letter in the mail from Shellpoint Loss Mitigation office as an Intent to Foreclose on my house. I called them immediately and they said they never received these two payments and they charged me a foreclosure process fee of {$350.00}. I sent my bank statements to show them that these payments were in fact paid, they said I still owe {$350.00}. I don't understand how I owe this and how they can begin foreclosure proceedings. Their customer service is horrible, I am seriously afraid of what could happen as they seem to do what they want. I have called everyday waited on hold for 40 minutes or more, requested call backs that I never received. Last night I received a call from them, the number came up on my phone as Telemarketer. This was very disturbing for me. Before XXXX sold my loan, I had a surplus in my Escrow account for approximately {$5000.00} which they said would come to me. I have not seen this and Shellpoint claims to know nothing about it. I have just recently been discharged from a 5 year bankruptcy. I have worked hard to try and rebuild my credit, this company is making things impossible. I don't know what to do at this point. Please help. 
Thank you, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. So I immediately sent in a dispute to XXXX, XXXX  & Transunion. 

After 30 days past, I still didnt hear anything back so I sent a demand to comply with investigation on XX/XX/2020 Today XXXX & I still havent heard back from these companies. They are taking advantage of normal people. Covid-19 is not an excuse to not follow the FRCA!

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 2021-10-12
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The phone calls were made by Ally Financial employees. 

Ive received a great amount of phone calls & voicemails within the last few months. The ones I have on record will be listed below. 
Voice mails XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Missed Calls XX/XX/21 XXXX calls XX/XX/21 XXXX calls XX/XX/21 XXXX calls XX/XX/21 XX/XX/21 Answered calls XX/XX/21 XX/XX/21 These are the calls I have access to at the moment but, XXXX be looking for more. 


Im not sure if Ill be able to request my call log from my cell phone company or not but I will attempt to. On the phone calls Ive noted that I have lost my job in XXXX due to covid and have been interviewing at different places and have been recently employed. Noting that Ive been struggling to pay. I wasnt offered any options other than to pay. I attempted to make arrangements but they werent helping. Theyve also failed to note my intentions. I have also been given extensions to the wrong phone number. Their dealings have been shady. Theyve called nonstop. Each day multiple times a day. Theyve repossessed my car without warning. They came in the middle of the night. This was the second time they did this. Now Im required to pay the full sum if I want it back as well as additional charges. Ally Financial is a shady company, and they do not care about their customers.

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 2018-09-17
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Payment is less than 30 days late. Ally financial calls me 3 times a day every single day demanding immediate payment. One payment due. 19 days late. Calls start at 5 days late and never stop no matter how many times I tell them they will have their money before the next payment is due. No payment has been 30 days late.

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 2018-09-17
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: Their investigation did not fix an error on your report

Complaint:
Equifax has been non-compliant with removing the unverified account Bankruptcy DISMSD/CLSD   XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy DISMSD/CLSD CHXXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
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: Their investigation did not fix an error on your report

Complaint:
I sent Experian a dispute for items on my credit report. Letter was sent XX/XX/2020. Tracking number XXXX certified mail receipt showed that they received the dispute XX/XX/2020 at XXXX XXXX, XXXX, TX. They sent back Report # XXXX for XX/XX/2020 showing addresses and names that are not me. This report appears to be a stalling tactic to avoid correcting my file. I have provided them with my TDL, evidence of my address, name and birthdate. All the other information that was sent has nothing to do with me and proves to be confusing and serves no purpose in getting my account cleared up. 

I want my credit file to be cleaned of all information that has nothing to do with my information.

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 2017-06-16
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I  was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of   XXXX   XXXX   60 days past due as of   XXXX   XXXX   30 days past due as of   XXXX   XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of   XX/XX/XXXX  90 days past due as of  XX/XX/XXXX ,  XX/XX/XXXX  60 days past due as of XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  30 days past due as of  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  I am not sure  how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts. This a second request to have them removed. I am not a credit repair company nor a mortgage company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX XX/XX/2018, I opened a BMO Harris Smart Advantage checking account. I opened the account online, which stated that the relevant promotional code would be " automatically applied '' if I " applied online now ''. This wording still persists on their website : https : //www.bmoharris.comXXXX Per the terms of my promotion at that time, I was to receive a {$200.00} bonus after ( 1 ) making two direct deposits of {$500.00} or more within 90 days of opening the account, and ( 2 ) ten debit card transactions posting to the account within 90 days of opening the account.

I am eligible for the bonus : - Both of the two direct deposits of {$500.00} posted on XXXX XX/XX/2018. 
- All ten of the debit card transactions posted on XXXX XX/XX/2018. 
- 120 days have passed since opening the account. 

I have attempted to resolve this myself several times : - I spoke with a representative on Monday, XX/XX/2018. I was told to call back at the end of the week. 
- I spoke with a representative on Friday, XX/XX/2018. I was told to call back at the end of the week.

- I spoke with a representative on Monday, XX/XX/2018. I was told that the promotional code may not have been attached to my account. I told them that their website said it was automatically applied, but the representative insisted this did not matter. I was repeatedly asked for this automatically-attached promotional code ( which I eventually did find in an old email ). 

I was also told different terms for the bonus ( saying I needed {$600.00} direct deposits instead of {$500.00} ). I was told there was no qualifying activity on my account when this was clearly not true. In short, I felt like the representative was just saying whatever she could to get me to acquiesce. 

I have met the terms set forth in the opening promotion for this BMO Harris checking account, and as such I am eligible for the {$200.00} bonus. BMO Harris is engaging in deceptive business practices by refusing to honor their own terms.

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 2019-05-18
Company: WELLS FARGO & COMPANY
State: OR
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/2019 I filed a Fraud claim at Wells Fargo - indicating that all transactions with XXXX XXXX XXXX were not authorized - per the contract I signed with them I signed three different times to end the billing authorization. These attempts were not taken seriously. I identified 3 years worth of fraudulant charges with Wells Fargo and XXXX as my foster father was using my funds at his leasure. I reviewed 3 years of banking history and identified the theft of my funds with XXXX XXXX XXXX and XXXX XXXX all whom stated that they filed fraud cases- however they did not. I received multiple letters in the mail indicating that I would receive access to a provisional credit as this was investigated, however this false and never happened. I went to different branches and at the last branch when I was trying to file an additonal fraud claim the bank manager- XXXX instructed me to give her my debit cards- which I did, then she told me she would disable them- she did not. I have not received any provisonal credit after making extensive investigations and claim reports. I was told I would be receieving a check in the mail for the fraud and I have not. All the bankers I met continued to steal from 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 2018-03-14
Company: Rocket Mortgage, LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Quicken Loans replied on XX/XX/2017 ( letter included ) to a 15 USC 1692g debt validation and U.C.C. 9-210 account /collateral requests and did not produce the collateral or status as required in 14 days. When challenged in Federal court for the same they have not produced the requested data. Quicken is in violation of the Uniformed Commercial Code, FDCP Act and NCDCPA who simply sent a bifurcated promissory note when collateral was requested based U.C.C. 9-210 on the authority of a robo-signed fraudulent assignment. Despite the collection being disputed, they continue in the extortionate collections by communicating non-judicial foreclosure threats with fraudulent documents without any offers or communications to modify. 

QUICKEN LOANS AS SERVICER IS ATTEMPTING TO USE EXTORTIONATE, UNFAIR, AND DECEPTIVE PRACTICES IN VIOLATION OF FEDERAL DEBT COLLECTION PRACTICES AND NORTH CAROLINA DEBT COLLECTION PRACTICES ACT TO FORECLOSURE ON PROPERTY WITH A ROBO-SIGNED FORGED ASSIGNMENT WITH PROBITHED NOTARIAL ACTS. ALL PARTIES ARE MISPRESENTED IN THE INSTRUMENT OMITTING QUICKEN LOANS AFFILIATION AS OFFICERS OF EMPLOYEES WHILE REPRESENTING ANOTHER OFFICER OF ANOTHER ENTITY WITHOUT PHYSICALLY BEING BEFORE A NOTARY IN VIOLATION OF MICHIGAN AND NORTH CAROLINA PUBLIC LAW. THE SAME HAS BEEN REPORTED TO THE ATTORNEY GENERAL AND THE MICHIGAN OFFICE OF THE GREAT SEAL FOR NOTARY CONFLICT OF INTEREST SECTION 55.291 ( 9 ) A notary public shall not take the acknowledgment of a record by or to a bank or other corporation of which he or she is a stockholder, director, officer, or employee, under circumstances where the notary public is named as a party to the record, either individually or as a representative of the bank or other corporation and the notary public is individually a party to the record.

North Carolina Fair Debt Collection Practices Act 58 70 110. Deceptive representation.

North Carolina Fair Debt Collection Practices Act 58 70 95. Threats and coercion. 
No collection agency shall collect or attempt to collect any debt alleged to be due and owing from a consumer by means of any unfair threat, coercion, or attempt to coerce. Such unfair acts include, but are not limited to, the following : Using or threatening to use any illegal means to cause harm to the person, reputation or property of any person ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX - large payment made to Citi Cards to pay off balances XX/XX/XXXX - Citi cards locked my credit card and sent me an payment verification notice XX/XX/XXXX - I called citi card and got my bank ( XXXX ) on line to sort out the hold. 
XX/XX/XXXX - I received a letter from citi card stating my bank XXXX told citi bank that my account at XXXX has insufficient funds. 
XX/XX/XXXX - I called citi card and have my bank XXXX on the phone and verify that that is incorrect. Citi refused to acknowledge the mistake they made and insist on locking out my credit card until payment is verified. 
XX/XX/XXXX - I called citi again and they still have not unlocked my card.

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 2017-11-28
Company: WELLS FARGO & COMPANY
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wells Fargo keeps calling me from blocked numbers even though I told them to stop calling me. 3 times in under 10 minutes. I havent had an account with them for over 8 months with no previous contact from them. 

3x yesterday 6x yesterday XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2021-10-12
Company: LEXISNEXIS
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:
XXXX refuses to delete the negative reporting of my Chapter XXXX public record. XXXX refused to review my dispute and referred me to XXXX XXXX, a third party reporting agency. XXXX and XXXX complied after receiving my dispute with the letter from the bankruptcy court stating the courts do not report to credit bureaus. I tried over 3 times to reach out to XXXX XXXX, but they refuse to confirm how they received my information. Each time, they provided me with a code to review my XXXX XXXX report. This is absolutely a violation of the FCRA and I want XXXX and XXXX XXXX to be held accountable. The negative reporting from XXXX has ruined my life and credit profile. I am unable to get housing during this pandemic because of this negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I notice on my credit report LJ ROSS ASSOCIATES IN is reporting a balance of {$140.00} which I do not recall I requested a signed document bearing my signature stating this account belongs to me. This item is reporting on XXXX, XXXX, and XXXX. This is a violation of the FCRA. I havent received anything from this company nor spoken with anyone to verify this account is linked to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Risecredit, LLC
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: Account status incorrect

Complaint:
XXXX XXXX is showing as a negative on my XXXX Account and it has been paid in full. The Loan is number XXXX. I would like to have this removed from my credit report. 

thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
I am XXXX XXXX, I am submitting the complaint myself and there's no third party involved. 

Santander consumer notified me that I was in a class action suit due to my loan qualifying for a settlement because they were practicing subprime lending practices. 

They admitted that they broke the law after I've submitted several disputes. After I received the settlement I disputed again and the dispute was denied. The loan should have been removed from my credit report already and is now affecting my score and ability to move forward with financing a vehicle. 

Lawfully, they're not reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have been going through financial hardship and it has caused me to be late on payments. I have reached out to XXXX to remove late payments on my report and Im having no luck.. I have started making payments on my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/2013 Account Status Closed

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