BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: MS
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 contacted Experian numerous times, bringing awareness to the incorrect information that they are reporting on my credit report. Each time they mention that they " updated '' the information, though XXXX XXXX is continuously reporting inaccurately and negatively.

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 2018-06-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My original mortgage was purchased by Wells Fargo a couple of months after I closed on my home. I have been paying my mortgage payments for almost six years. I have been making additional principle payments to get to 78 % of the original loan amount so that I can drop the FHA mortgage insurance. I have contacted Wells Fargo twice in the past year to inquire the amount I need to get the principle down to and the process to make sure the insurance payments stop on time. I contacted them a week ago and this time they told me if I want to stop the insurance payments I would need to make an additional payment of {$2400.00}. They also said that my mortgage may be changed to protect the investors. Since this is an FHA mortgage I didn't think they could change the terms of my mortgage. It looks like they want to continue to charge me insurance payments even after the FHA insurance has stopped. How can I make sure Wells Fargo is following the FHA guidelines and I am protected?

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 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 sent the following two letters to the credit bureaus requesting that they delete the information on my file and they still have not. 
See attached letters from XXXX XXXX and 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 2019-03-22
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
After months of inactivity, Barclay card sent me a letter on XX/XX/2019 closing my account and imploring me to contact them to inquire on rewards redemption. After being unable to resolve my issue a case was made to resolve my rewards issue and on XX/XX/XXXX a letter was sent out informing me they were unable to assist me. an inquiry call on XX/XX/XXXX informed me that my rewards had been forfeited, my accounts closed, and that i would still receive another card statement on XX/XX/XXXX despite the account closure. yet the XX/XX/XXXX account statement still shows the XXXX $ worth of travel rewards that had yet to be used and no notice of the account closure. 

Prior to the closure of this account, no warning or impending notice of an upcoming closure was sent.

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 2019-03-22
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
High Education Services sent a notice to my employer for wage garnishment when I was in an active payment plan with them. I had a remaining balance of {$600.00} and i had already paid {$3500.00} to the company for my student loan. 

When contacting the company, the representatives were aggressive, rude, hostile and argumentative. They do not give you an opportunity to speak and strong arm you throughout the entire conversation. Specifically the representative who goes by the name of Ms. XXXX. 

They dictate the payment amounts and dates and are not flexible to your financial situation. They constantly threaten me with garnishments and vulgar language.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/XXXX a vehicle was purchased through XXXX XXXX. I lost my job in XX/XX/XXXX due to a XXXX XXXX XXXX. The vehicle was pulled out of my grandmother 's yard leaving prints. The car was then sold. I then saw on my credit file that a little one XXXX was owed. It then went up to XXXX and now over 20k yet it shows charge off/profit/loss on my credit file yet this amount still keeps growing. If this is a charge off how can the amount keep growing with no vehicle. Plus this company keeps re aging and showing up as if it is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So this is the 2nd time its been on my credit report I got in contact with the first collection agency and disputed it off of my credit report around early to mid XXXX. Then this new collection agency on XX/XX/XXXX but this back on my credit report but its reporting a lower amount. This debt does not belong to me I have asked for proof and verification with letters. But there has been no response it has been months and its still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: OH
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : 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 2020-08-19
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: Information belongs to someone else

Complaint:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$20000.00} XXXX {$4000.00} US DEPT ED XXXX {$7300.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX   XXXX {$320.00} XXXX XXXX  XXXX {$500.00} XXXX   XXXX {$120.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$9400.00} XXXX XXXX {$800.00} XXXX XXXX XXXX  XXXX {$1100.00} XXXX   XXXX {$8200.00} XXXX  XXXX {$3300.00} XXXX/XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX-XXXX {$500.00} XXXX XXXX-XXXX  {$900.00} XXXX XXXX {$3700.00} XXXX/XXXX  XXXX {$1700.00} XXXX XXXX {$8100.00}

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 2018-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018 a company, operating in collusion with another company seized my private property ( one truck and trailer ), towing it to an offsite location and holding it without legal rights. The vehicle was parked in accordance with law, and the towing from private property violated multiple California State Laws ( see document attached below ). The state statute is very clear regarding the siezure without due process of property belonging to any individual in a towing matter from private property. As outlined multiple elements of the statute were violated. When I went to collect my vehicle, a law enforcement officer went with me. He reported to me this was an ongoing issue, with multiple complaints from consumers, but he did not have a criminal statute to charge the tow company and property owner with. The tow company stated I would pay a large sum of money compounding daily or not have my property released. The owner threatened me with bodily injury if I did not pay. They required the use of a credit card. I had to have access to the vehicle, and while I did not request services relating to the tow, I had no option to get my vehicle save giving them my card under duress. They charged the card and I wrote on the receipt the charge was under duress. The owner confirmed the meaning of the term. I then advised Bank of America of the duress use of my card. BofA took the matter for review and then advised nothing they could do with the merchant based on Visa rules. I contacted Visa and they said they would look into their merchant but have done nothing. Visa claim number is XXXX and BofA claim number is XXXX. The owner of the property in collusion with the towing company is circling the parking lot and grabbing persons vehicles. Multiple complaints appear on the web site for this behavior. A criminal and civil case review are in process now.

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 2020-05-10
Company: FACTUAL DATA CORP.
State: NJ
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:
XX/XX/2020 hard inquiry The company ran a unauthorized credit report that is now showing up on my credit that I did not request. I locked my credit reports as to not have any new hard inquiries added.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I noticed that there were purchases made from my account. I called TD Bank to find out what type of company XXXX was. The representative told me that it was for online grocery shopping. I told him that I never made those purchases and he had me fill out a fraud disclaimer. Hes asking a series of questions as he is suppose to, and Im giving him all the information. After everything is said and done he says, Ok Ms., so the last four of your card is XXXX. I said, No. The last four of my card is XXXX. Then he said, Were you aware that there was a second card connected to your account? And I said, No! I was not aware! How is that even possible? So he cancelled both cards and the next day I closed my account because my account was compromised. I am real sceptical about swiping my card places and will only take out money from the banks ATM. I feel as though this was an inside job because its not like the purchases were made from my account using my card number. These purchases were made from another card connected to my account. Someone should be held accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am having an issue with a retail account though XXXX and I cant reach someone in customer service. Basically, I had special terms that expired on XX/XX/20 ( yesterday ). I am personally going through a lot right now from this virus so my mind has been in a blur as I have buried a family member yesterday. 

Last night, after falling asleep from exhaustion, I freaked out and realized it was XX/XX/XXXX. I called the Automated Phone system and submitted a payment for remainder of the balance without the interest ( what I should have owed before the terms expired ). However, on XXXX, WF already added in the {$980.00} in interest to my account. The automation system said since I paid before XXXX XXXX  PCT it will post on XXXX. Please just know I am very responsible with my bills its just been a bad month. I am not accepting 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 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently received mail from TransUnion regarding a previous dispute. They did not delete accounts that contained OBVIOUS INACCURACIES AND VIOLATIONS. Still reporting are unknown accounts, accounts reporting concurrently as " open and " closed '', re-aged accounts, accounts with conflicting dates. For example, please tell me how an account was open on both the XXXX of a month AND the XXXX of a month??? How is this an example of a " verified '' " accurate reporting '' of an account??? I've also added several XXXX accounts that I just noticed are reporting negatively for 2012. I was always on top of deadlines and called this company all the time often WAY ahead of time, even when they were still XXXX XXXX. I always filed paperwork on time if needed. Also, XXXX has never mentioned an issue with my account and has literally made up a story about supposed lateness in 2012 and supposed calls they made to ME. In addition -- and most importantly -- XXXX  has not ever provided me bank statement / transaction proof of supposed late payments ( AS THE LAW REQUIRES ) -- BECAUSE IT NEVER HAPPENED! I was never late! See attachment, which also includes my  identifying 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 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 collection accounts ( XXXX  XXXX -ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, MICHIGAN XXXX XXXX ACCT # XXXX, were removed off of one of my other credit reports because they came from identity theft with the original creditor. These collection agencies then turned and sold the debt to another collection agency, or listed the debt under another collection agency name then reported the accounts to the other two credit agencies which I know has to be illegal by law. Most of the accounts are the same just under different names

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 2020-08-24
Company: AES/PHEAA
State: MA
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 have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: EQUIFAX, INC.
State: AR
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:
TWO FRAUDULENT HARD PULLS ON EQUIFAX XXXX XXXX XXXX AND XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 I tried to use the ATM and was notified that my account was in a review process due to fraud. Customer service ( chase ) notified me they had the right to not disclose anymore information and that my account would be closed in 10 business days ( they did not know 10 days from what day either ). On XX/XX/XXXX, my direct deposit from my employer came in ( I was not able to stop it from being deposited, in such short notice ). That day I called them because it was not being reflected in my balance and they told me that I had to wait 2 business days for them to review its validity ( which sadly was during XXXX when I needed access to my check ). I waited 2 business days since they promised that once cleared I can call them back for them to authorize a local branch to let me withdraw my funds. However, when I called again, On XX/XX/2018, they told me that the account was now in process of closing and they could not grant any branch permission to give me my money! Now I had to wait and additional 10 business days from check issue date to get my money ( I don't even know when they will decide to issue me a check, they don't know either! ) I am very upset, because to begin with I know they closed my account because I filed a claim with them due to their ATM eating my cash deposit on XX/XX/2018. The next day, they retaliated against me and closed my account. Giving me only 10 business days to change direct deposits and ACH/check debits from an account I have had for more than 12 years! They also chose the worse time of the year to do this and held my paycheck ( which is clearly legit money ) hostage for  so long. Now, I am short my whole paycheck throwing me off completely and not letting me pay my mortgage. They have caused so many problems for me because of their abuse of power. It is very unfair that they pick on common citizens like myself with no kind of remorse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immiedietly remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.

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