BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: EQUIFAX, 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 RECENTLY RECEIVED NUMEROUS PHONE CALLS FROM COLLECTIONS AGENCIES ABOUT ACCOUNTS I HAVE NO IDEA ABOUT. I EXPLAINED TO THE INDIVIDUALS I SPOKE THAT THESE ACCOUNTS DID NOT BELONG TO ME AS I HAVE NEVER RECEIVED OR SEEKED ANY FORM OF SERVICES FROM THE COMPANIES THEY'RE TALKING ABOUT. I WAS ADVISED TO FILE AN IDENTITY THEFT REPORT WITH MY POLICE DEPARTMENT. I DOWNLOADED A COPY OF MY CREDIT REPORT FROM XXXX AND FILED A POLICE REPORT WITH THE XXXX XXXX POLICE DEPARTMENT. I WAS ADVISED TO ALSO FILE AN FTC REPORT AND TO CONTACT THE CREDIT BUREAUS AND INFORM THEM THAT I AM A VICTIM OF IDENTITY THEFT. I AM VERY CAREFUL WITH MY INFORMATION AND I AM VERY SHOCKED SOMEONE COULD DO THIS TO ME. I HAVE NO IDEA WHO USED MY PERSONAL INFORMATION AND I HAVE NEVER AUTHORIZED ANYONE TO USE MY PERSONAL INFORMATION. I AM A VICTIM OF IDENTITY THEFT AND I AM TRYING TO RESTORE MY IDENTITY AND PREVENT THIS FROM EVER HAPPENING AGAIN. 

Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX # XXXX XX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX  XXXX XXXX XXXX / XXXX XXXX XXXX  XXXX OK XXXX XX/XX/XXXX XXXX XXXX   XXXX / XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX / XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX01 XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
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: Information belongs to someone else

Complaint:
XXXX is ignoring my dispute letter and they haven't manually went through my letter they are reporting false information on my credit report which is effecting my chance of getting a job position and chances of getting a home loan

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 2018-07-19
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received two calls for a debt that doesn't belong to me but to my sibling. the first call was received at XXXX XXXX and resulted in a long message which i have saved. 1 minute 48 seconds. I believe the length was an attempt to state they had a discussion with my sibling, who lives on the opposite side of the country.

This caller identified herself as working for XXXX XXXX. 

They stated that they were calling this line to speak with said other party, which this has never been a number to reach them on and left a message as speaking to that party. 

The second call left a message 1minute 7 seconds, nearly identical message though a different caller.

Advising that some action would be taken if not contacted. Again this message is saved.

I have not received a call during either my waking hours or, during a non business working time to be able to answer my cell phone. I have read through the steps to handle this for future and passed the information on to my sibling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-05-23
Company: EQUIFAX, 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:
XXXX XXXX XXXX is reporting inaccurate, false, and misleading information on a collection account on my Equifax credit report. A collection agency should not be reporting a collection account 120 days late as the current status. I did not open an account with the collection agency, they purchased the bad debt. 

Purchasing a bad debt does not make them the original creditor. Only the original creditor can report me as 30, 60, 90 or even 120 days late. Monthly status codes related to delinquencies do not apply to collection agencies. 

The collection agency should be limited to reporting information such as : Date the collection account was opened The original amount owed along with the current balance and whether the account has been paid or unpaid No monthly delinquencies should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Mobiloans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been with Mobiloans for 4 years and through their reward program, I earned the status of Diamond. Diamond status would allow me to receive an 80 % discount on fees. As of XX/XX/2018 the fee discount will be reduced from 80 % to 65 %. My fees were {$22.00} every two weeks and now they are {$38.00} ( an increase of {$16.00} ). I called Mobiloans on XX/XX/18 and inquired about the increase that I noticed on the website. She advised me that everyone has to pay the increase. I called again today, XX/XX/18 because the fees are too high and will take me longer to pay off the loan. The first representative tried to tell me that there was an opt-in or an opt-out and the time has passed to select either. I told the representative that I had no knowledge of an option at all. And at no time did the representative advise me that their was an opt-in or opt-out from the XX/XX/18 call. I asked to speak with the Supervisor and I was connected to XXXX. She told me that she would review the call from XX/XX/18. XXXX advised me that they will not be able to change the opt-in or opt-out since I didn't give the representative at the time my choice. I reiterated to XXXX that I was never given a choice and I believe this to be deceitful and I plan to file a complaint with the CFPB. She then advised me that she would send it over to her legal department. I never received an email regarding the increase either. Nor did the website advise of an opt-in or opt-out.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-17
Company: CITIZENS FINANCIAL GROUP, INC.
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: Problem with personal statement of dispute

Complaint:
Citizens One Bank reported me and my wife as over 90 days late on mortgage payment for XXXX and XXXX. this report dropped our credit score more than 100 points for both of us. 
I did pay both months on XX/XX/2020. 
we were in the processing of refinancing our home loan, but because the drop of our credit our application has declined. 
we started the application in XXXX. the new bank asked Citizen bank many times for the payoff balance many toms, but Citizen bank didn.t provide the information and this cause a huge delay on payment.

closing was scheduled in XXXX, but Citizen didn't give us the Payoff balance. Then  scheduled in XXXX, XXXX and then XXXX. 
we got the payoff balance only in the end of XXXX when I called by myself to aske for it, but the bank was reported us already.

my wife and I are essential workers. we work hard to build our credit. we haven't reported as late payment before.

could you please help us to fix our credit score so we can refinance our home loan.

I have attached a copy of my credit report. you can see that  XXXX and XXXX over 90 days. 
I don't understand how come XXXX and XXXX are over 90 days when they are not 60 days away yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are FRAUDULENT items and UNAUTHORIZED/FRAUDULENT inquiries on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.

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 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 opened a CapitalOne Credit Card ( XXXX XXXX ) with Promo of 0 % APR for 15 Months. but in actual I did not get the Advertised APR on XXXX XXXX website. I applied for the Card and got approved in XXXX and Promo was Active at the time ( Snapshot of the Agreement attached ). I tried to talk this through with Capital One Customer Service Agent " XXXX '' on XX/XX/2023 who confirmed the Promo was active at the time. then she transferred me to the Application Dept and said they can handle your request. Then I spoke with " XXXX '' the Agent same day and further with the Supervisor " XXXX '' both said that its not showing in your contract the Promo. I explained that its not my fault if its not showing in my contract but that's what I suppose to have as I applied due to that Promo. I am very much disappointed with that False and misleading Promo by Capitol One and got charged {$770.00} in interest charges over the last 10 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
New information- on this case was found!!!

3 Checks were deposited into a Bank of America single holder account- owner XXXX XXXX Acct XXXX bank XXXX on XX/XX/2016.

the amounts are {$45000.00}, {$11000.00}, {$40000.00}.

The chesks were made out to XXXX XXXX XXXX XXXX JT TEN Joint Tenants is what JT TEN is. Which means if the check is being deposited into an account owned by both payees and they have equal access to the account then no endorsement is require.

HOWEVER, one of the payees is trying to deposit into his/her own personal account then both signatures would be required.

Also Bank of Americas response contradicts what happened. Their policy is if a check is written out to multiple payees separated by a slash, hyphen or comma or in stacked form ( names printed as a listor on same line WITHOUT and words or punctuation ) Which the checks that have my name have words- JT TEN!

see attached

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 2020-10-16
Company: Midwest Loan Services, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with XXXX XXXX XXXX XXXX XXXX, the servicer is Midwest Loan Services and my first payment was due on XX/XX/2020. I walked into XXXX on XX/XX/XXXX to make a payment and inquire about setting auto withdrawal for future payments. The XXXX person that helped me took a payment and told me how to contact Midwest to set up auto withdrawals. I did not do anything else regarding my XXXX payment and figured I would worry about XXXX later in the month. 
Today I received a letter in the mail from XXXX showing that I had insufficient funds to cover my mortgage payment on XX/XX/XXXX. So, there was already an auto withdrawal set up on my account, but I was not aware or told when I made my payment on XX/XX/XXXX. I called XXXX and they waived any fees associated with this event. Next, I called Midwest to ask for a reimbursement of my double payment because I could not make two payments in XXXX, they advised there is a {$10.00} fee to mail a check or {$25.00} electronic transfer. My request was to waive the fee because I am a new customer, the mixup was at the branch and I had good intentions to pay. I requested a manager and the operator said let me check because it is Friday and late in the afternoon, so there may not be one available. She connected me to a manager without telling me  she was transferring me, then XXXX XXXX came on the phone ( she would not give me her last name after I asked for identifying information ) and I requested the fee to be waived in order to process the electronic reimbursement. Her response was no and she has no control over the fee waiver. Once I explained the situation, she said it was my fault that a double payment was made. Her solution was to let everything sit on the account and not make a payment for XXXX, unfortunately I need the payment or I would have been okay doing that. XXXX XXXX stated she is the highest manager and did not have someone above her, but she said I could call back on Monday, the customer service line, to speak to someone else. After  asking for her managers name twice, she said her managers name is XXXX XXXX and I can call the customer service number on Monday to speak to her. XXXX XXXX was very sarcastic as the call continued, as I was upset at this situation, her customer service skills were not acceptable at defusing or showing any type of empathy. 
My request is/was to waive the {$25.00} fee in good faith, knowing I want to be on time and make my payment monthly.

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 2023-02-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My mother XXXX  in XX/XX/XXXX, leaving an IRA CD at Wells Fargo with 3 beneficiaries. It took Wells Fargo 9 months, many hours of phone calls and visits to the branch, and finally a complaint filed here for Wells Fargo to release the CDs to the beneficiaries. Wells Fargo split the CD into 2 CD accounts for each beneficiary. On XX/XX/XXXX, when I discovered that the CDs were transferred at an old interest rate with an maturity date of XXXX ( notice must have come to my mother while she was in the hospital, and since she didn't respond, Wells Fargo automatically renewed the CD at the old rate ), I called to see if I could get the CD combined back into one, and I was told that I could, that there would be no early withdrawal fee, and that the new interest rate would be XXXX  for a 7 month CD, with XXXX It would take 2-3 business days for me to see it online. It is now XX/XX/XXXX, and the CDs are still separated and at the original very low interest rate. After 1 hour and 11 minutes on the phone, I have been transferred to the 4th Wells Fargo agent, who can not help 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 2018-08-24
Company: Sign on the Line, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/18 Received a call from XXXXand the gentlemen state that he was VA Benefit and wondered if I had 3 minutes to give him. I was like I am sorry who are you with. he again responded with VA Benefits. I then asked him if he was with VA Office directly and he responded by saying that he was now with the VA Benefits Depart of sign on the Line out of XXXX County.  This company was trying to imply or initial represent that they were with the VA. But because I asked the right questions and made him slow down and readvise me who he was with and who they were where. I was able to get him to admit 1 ) no there were not with the VA Benefits as he initially stated 2 ) phone number is out of XXXX XXXX CA ( XXXX XXXX County and he stated that they were out of XXXX County California which goes with what I was able to find online when I XXXX their name but their phone number is different than what showed up on my caller ID. 3 ) I am on a do not call list through the FCC and they never checked that list 4 ) the simple fact that they are call disabled Veterans and using a play on words should to show misrepresentation of who they are and that they are not with the VA Administrations office at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First and foremost, the communication with this lender is awful. I applied for a COVID 19 Forebearance. I never received anything from them. Only when I called and listened to the answering machine did I find out that I do not have to pay until XX/XX/2020. I never received anything official in writing from them. 

On top of that,, my real estate tax bill went down XXXX. I sent this to the lender and asked for an escrow analysis. They were collecting a much HIGHER amount for the projected amount. The projected bill came in XXXX lower, and somehow in their calculation, my payment has now gone UP and not down. They are stating that I have an escrow shortage of XXXX This is impossible because they were collecting a higher amount all along. 

Finally, I want my payment due date by the XXXX of the month. They have charged me fees if I pay after the XXXX, even if their is supposed to be a grace period to the XXXX. 

Please help me with these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To Whom It May Concern : I am writing this letter to dispute the results of a previous investigation made by your bureau regarding my credit report. I do not agree that a full investigation was made into the account reported by XXXX XXXX XXXX ACCOUNT # XXXX and ACCOUNT # XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to know how the account was validated, the representative from whom the validation was obtained, the name and contact information of the company, the phone number, the last day of delinquency, the last date of activity, and whether they are properly reporting under my FCRA rights. 

I understand that the account reported by XXXX XXXX XXXX is a past-due amount, but I do not have an open account with this collection company, and I was not provided an original validation with my signature. Additionally, XXXX XXXX XXXX is actively charging off the account, manipulating payment history, and is in violation of the FCRA. 

Therefore, I demand that these accounts be removed for these violations, and if your bureau can not confirm that every piece of information is 100 % correct, then I demand that it be removed from my credit reporting. 

I am requesting that you investigate this matter promptly and provide me with a written response within 30 days of receiving this letter. Please also send me a copy of my updated credit report reflecting any changes made as a result of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, 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