BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo held my deposits and did not allow me access to my money. Which hurt me on paying my bills.

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 2017-03-30
Company: Caneel Capital, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX and my property was foreclosed on XX/XX/2017 by Trinity Financial Services LLC, i was working with them on a modification and after over 12 months of attempts my home was finally foreclosure on, I believe that my home owner bill of rights were violated, i served this country and now i am homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: CITIBANK, N.A.
State: FL
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:
On or around XX/XX/XXXX I chatted via phone with a rep., while making a XXXX purchase, about a promo offer that I believed to be 0 % because that was the offer I had last seen for my card on the account. I was assured the offer was active and approved so I made my purchase. In XX/XX/XXXX I became concerned because I was still receiving offers and more importantly the offer I approved was not displaying on my end. So I chatted online again on XX/XX/XXXXwith " XXXX '' who assured me yet again that the 0 % offer was active and that I would see it in my next statement. On XX/XX/XXXX the statement still didn't show the offer so I chatted again with " XXXX '' who said the offer was active but not " 0 % '' but 3.99 %! I was then patched to " XXXX '' who notated the account and flagged it for verification of rate and told me to call back in 48hrs. XX/XX/XXXX I spoke with XXXX who restated the rate was 3.99 % not 0 %. I asked for a supervisor. XXXX reiterated this and said " there was no way to adjust the offer because I accepted the 3.99 % not 0. I tried to tell her that my understanding was the 3.99 % was for another Citi card I have and why would anyone do so for such a large purchase? I asked if the current offer on my account could be applied and was told " No ''.  There's nothing else we can do. This is unacceptable to me. Why would I want to pay interest for a purchase when my standard is to pay in full. I only use promos that are 0 %. I feel the least they could have done was applied the offer as I originally understood it to be 0 %.

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 2020-10-22
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:
In XXXX / XX/XX/XXXX, I engaged legal representation to help cancel a time share contract. We followed the advise of counsel and advised all 3 credit reporting agencies of the situation. We settled the issue with XXXX XXXX XXXX XXXX in XX/XX/XXXX and per Experian Credit report " credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage '' and the status date XX/XX/XXXX, loan amount {$10000.00}, Past Due amount {$0.00} and late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Experian currently shows that this account has 36 late payments which is false reporting. This is grossly negligent on the part of Experian. I filed my first dispute with Experian at the end of XXXX with little to no information provided regarding their investigation. No names, phone numbers, or addresses of the furnisher was provided. I contacted XXXX XXXX and they advised they had closed the account, the matter was resolved and was no longer reporting this account to the credit reporting agency. I have tried to file disputes online and their website state they are not required to conduct additional investigations.

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 2022-11-04
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX my account consumer credit card was closed by XXXX Bank, and it was charged off in XX/XX/XXXX. In XX/XX/XXXX it was sold to XXXX XXXX XXXX XXXX, and in XX/XX/XXXX the account with XXXX XXXX XXXX XXXX was settled in full. As of today XXXX continues to report the account as a charged off collection account, and there is no indication that it was sold to XXXX XXXX XXXX. 
The account status does not state it has been sold rather it states that it is charge off collection. I have submitted several disputes since XXXX disputing the incorrect reporting ; however, XXXX continues to validate the information as correct reporting.

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 2023-02-04
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 pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX was opened on XX/XX/XXXX. 
XXXX XXXX XXXX  for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} date opened unknown. 

I did not open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: AL
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:
There are inquiries on my credit report that I do not recognize

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 2016-10-14
Company: Mobiloans, LLC
State: NC
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
The amounts that the payday loan company is charging me is outrageous. I 've asked a few times to stop the draft due to inability to pay, and they will not allow them to stop. I am at the point of needed to change my bank account. 
XXXX XXXX, North Carolina

Company response to consumer: Untimely response
Consumer complaint received 2023-03-06
Company: ALLY FINANCIAL 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:
Ollo Card Services reported a transaction dispute to all three credit bureaus which caused my credit score and my wife 's credit score to decrease. I've never had a dispute result in a decreased in my credit score. CFPB : Is this process legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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  { credit reporting agency } refuse to correct a error on credit report filed in XX/XX/XXXX ; XX/XX/XXXX, requested a reinvestigation to correct same issue resolved by XXXX  in XX/XX/XXXX, XXXX  declined to address  problem. i understand credit reporting agencies are generally for profit companies that gather and sell information about a person credit history ; however, to intentionally hinder a individual 's ability to provide facts that would correct a issue is deemed oppressive.

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 2022-10-05
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm making a complaint today because XXXX XXXX XXXXXXXX XXXX  have caused stress and pain on me and XXXX XXXX XXXX XXXX. I can not get any apartment because of what they have put on my credit profile. Furthermore I will explain how me and XXXX XXXX XXXX got here around XX/XX/XXXX. I was looking for places came across a place at XXXX XXXX it was a XXXX bedroom XXXX bath for XXXX the fellow property manager that I spoke with got us into the apartment I paid my deposit because he made it clear that. When me and XXXX XXXX XXXX payed and signed the lease XX/XX/XXXX of 2021 we would not have to pay rent again until XXXX. This gave us enough time to get settled in our job but so on that was actually a lie. We were charged the next day XXXX and at the time my job wasn't all the way transfered from XXXX, NY to XXXX, TX. So this caused me alot of stress they sent notices threatening for us to vacate or they would take me to court we were terrified also FCCPA Section 805 ( b ) states thats a violation and its a XXXX fine. We left now we do not feel we owe XXXX simply because there were alot of things not clear or made clear by the property manager before or after. We signed the lease so on behalf me and XXXX XXXX XXXX we feel scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: SANTANDER HOLDINGS USA, 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: Investigation took more than 30 days

Complaint:
I contacted Santander Consumer USA on XX/XX/22 to settle this account and was told that my credit report would be corrected if I paid the settlement amount which I did do ; however, Santander did not keep their word and refused to make any changes to my credit report causing me great undue hardship!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: NY
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:
This is in regard to my XXXX XXXX mortgage # XXXX. I have had this account for more than 10 years and have never paid late up until an incident that occurred late XX/XX/XXXX through early XX/XX/XXXX. XXXX XXXX, incorrectly reported more than 30 days late to the credit bureaus for the following months and charged late fees as well that totaled to {$240.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX I had never been late in past decade with my mortgage. There was identity theft in my bank account that happened and I had to switch the method of payment, because there was a technical servicing error on XXXX XXXX XXXX  side ( I wasn't able to make online payments XXXX. I called several times and was on hold for hours, finally I made my payment over the phone, for some reason there was a delay and for the 7 consecutive months they reported late to my creditors without alerting me first. I filed a formal complaint with them and the executive office incorrectly stated that there were no servicing issues on their end and also cited the incorrect dates of negative reporting. The letter was signed by a case specialist named XXXX XXXX ( Home Lending Executive Office ) My credit report is very important to me and since this happened I had my score drop. As of today I have been furloughed from my employment and it is imperative now more than ever to have my credit score adjusted for their mistake. I am also recovering from XXXX XXXX  as I had the symptoms for 3 months. I need to have my credit score restored in the event I need to use credit for a medical emergency, since I no longer have the health insurance I had while I was employed. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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: Was not notified of investigation status or results

Complaint:
I have requested an investigation of some account reporting on my credit file but it's been almost a year and no evidence or communication that these accounts have ever been disputed for the credit reporting agency. I've sent in disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, really every month until this current month and year XX/XX/XXXX with no action on the Experian 's part to investigate.

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 2023-02-27
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Hyundai Capital America ( HCA ) didn't honor the complain submitted on XX/XX/2023? Ref. # XXXX. 
HCA Completely act to evade the question of why my extension of credit was denied by HCA in a Consumer transaction, no one can't be denied of their own credit. give you evidence that my credit was pulled by XXXX with HCA on it. nothing about dealership. This is issue between creditor that obtain my credit on a credit report and the consumer. Under 15 u.s.c. section 1692e HMF is in violation : for False and Misleading Representation, Under 15 u.s.c. section 1611 XXXX  is in violation : criminal liability for willfully and knowingly violation, Under 15 u.s.c. section 1681o HCA for : Civil Liability for negligent noncompliance, for violation to not extend credit on consumer transaction.

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 2023-03-01
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Late payments on my credit report I was never late they need to be updated as paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Since approx XX/XX/17, XXXX XXXX XXXX has called me because I am behind 1 payment. They have called me from an unknown number, every single day except Sunday, every hour at least once ( the calls occur between XXXX and XXXX ). Just today, they have called me 5 times. The calls started at XXXX. The last 2 calls occurred at XXXX and again at XXXX. I have picked up the phone and made them identify themselves .... This is how I know who it is, otherwise I would have had to trace the calls. This is harassment and it is an annoyance that I am very tired of. This company should not be allowed to call me from an " unknown number '' and they should not be calling me every hour of every day, 6 days a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023 Chase Bank put a freeze on my account due to a wire initiated by my father from XXXX my father unexpectedly passed away so XXXX flagged the wire as fraud, I have since gained administrative rights to my dads estate so XXXX lifted the hold on the wires they are now authorized but still Chase bank refuses to work with me to unfreeze my account. I have been given the run around hours on the phone, in the branches and no one will help resolve the issue. I get secure emails that have bogus numbers to resolve the issue, they tell me my money is frozen by XXXX XXXX a back office of chase bank but theres no way to contact them. This has been 3 months all my money is tied up my business is going under my car is going to be repoed and I have an eviction all due to Chases unwillingness to resolve an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The Cares ACT has been extended Wells Fargo is charging late charges when they are supposed to be waiving them while the COVID period is in place. I have been impacted by COVID I make the payments on the account but they are being made late due to COVID.

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 2022-08-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation