BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My XXXX statement from US Bank indicated a payment reversal debit adjustment of {$1200.00}. This was for a check written on my account with XXXX XXXX on XX/XX/2023. I received a cancelled check from XXXX XXXX showing US Bank received the check and they cashed the check. The copy of the check ha the US Bank endorsement. I have verification from XXXX XXXX. That the funds were taken from my account. 
Thus US Bank received the funds did not give me credit for payment and they have keep the funds, in affect stealing my money. 
I have contacted customer 6 times with no satisfaction. We had a conference with US Bank and XXXX XXXX last XXXX and were told no one was there who could deal with the issue. They did ask that we forward our documentation to them. I informed them that the documents including the cancelled check with their endorsement was faxed on XX/XX/XXXX. After a delay of approximately 15 minutes ( on Hold ) they acknowledged receipt. 
They informed the representative from XXXX that a supervisor would contact me either later on XXXX XXXX XXXX. No contact has been made. US Bank has my money and I want it back

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 2022-01-24
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: Investigation took more than 30 days

Complaint:
Hey, I was taking advantage due to malpractice while several laws were broken, under the FCRA under your company. This has cause me financial injuries and this has cause me definition of character. I can't get a job and I can't apply for credit. And I can't not get and XXXX loan and due to the pandemic crisis, and your company has hurt me to Uptain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hey, I was taking advantage due to malpractice while several laws were broken, under the FCRA under your company. This has cause me financial injuries and this has cause me definition of character. I can't get a job and I can't apply for credit. And I can't not get and SBA loan and due to the pandemic crisis, and your company has hurt me to XXXX credit.

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 2023-09-01
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2023 while checking my consumer report i noticed stated company furnished the account. On XX/XX/2023 we sent a affidavit of truth, notice of removal and cease and desist. I have attached all correspondence in this complaint. This company is violating 15 usc 1681g resulting in fraud and identity theft. While using extortion means to collect a debt that is not owed which is a crime. This company has failed to provide me that it acted with lawfully authority when they obtained and shared my information to consumer reporting agencies. They have also violated a host of consumer laws in which I have attached on the complaint as well. I have also attached a invoice. Pursuant to 15 usc 1692k for failure to comply with the provisions of these supchapter laws. I do not have any dealings with this company and they are causing me mental and financial stress. We've asked this information be removed and invoices be paid and if they do not cease communication a lawsuit will be commenced against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a positive account with sun it that is only reporting on my XXXX credit report.

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 2023-09-01
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
The company has been harassing me about payments when I keep asking for the contract. I was informed that I needed to set up an online portal to see a contract. Ive informed the reps that I would speak to that I need a physical copy and was told that I could not.

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 2022-10-19
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$1600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I recently lost my debit card and got my replacement on Friday ; then I activated the card on Friday. Then Sunday before I had a chance to update recurring charges with my new debit card number, XXXX emails saying thank you for the payment and showed my new debit card number. I never gave XXXX my new account number Wells Fargo released my number without my authorization.

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 2022-01-24
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SANTANDER continues to inaccurately report information to XXXX and XXXX. I have pointed out several inaccuracies on this account to the credit bureaus and Santander. I have yet to receive a response back and I'm certain no reasonable procedures were conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if no human being is actually looking at the obvious inaccuracies i continue to point out to them all. Using a computer to electronically review my dispute is unacceptable. How can they possibly resolve the disputed account if no reasonable procedure was performed? It is a violation to my rights to claim that an account has been resolved if it's not reporting 100 % accurate. XXXX reports that the account was opened XX/XX/XXXX and XXXX reports it was open XX/XX/XXXX. Those are clearly different dates. How is it possible the account was opened on both? Also in a previous letter Santander claimed that the account charged off XX/XX/XXXX but reports that XX/XX/XXXX was the date of last payment. How could this be possible? This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion. I want this account deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSWORLD SYSTEMS INC
State: MD
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:
On XX/XX/2022 I filed a dispute for this account for inaccuracies showing on my credit report that is hindering me for getting approve for business line of credit because of this company mistake. The company refuse to obey the law which under FCRA states if there is any inaccuracies it shall be removed immediately so this is violation of my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection company isnt license to collect debt in North Carolina. 
Their license expired as of XX/XX/XXXX and they recently started trying to collect in XXXX. I knew something was wrong when they rarely answered their phones. I got through a few times but after calling tons of times only to find that they arent license to collect. Attached photo of proof. 

Company : XXXX XXXX : Amount {$830.00} added to credit file account XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was currently almost 18 months behind on my mortgage, receiving forbearance during various portions of that time period. When the pandemic hit, and the mortgage assistance programs were established by the government, we took advantage of that and remained on it while I was unemployed for the maximum amount allowable months to receive that assistance program. Now Wells Fargo is telling me I owe lump sump for those payments, totaling almost {$38000.00}. I am trying to go through a mortgage assistance program with them and be considered for loan modification, but don't feel as though the months covered under the pandemic relief program to protect home owners should now be thrown back in my face as if it were months I missed paying. I'd like to be considered for loan modification to start making payments again now that I am employed full time again, but feel like the XXXX  months I was behind should be what we operate off of. I am not completely well versed in the terms of the pandemic relief mortgage protection program we took advantage of, but feel like those months should be rolled to the back of the loan since the technical reason for not paying my mortgage was because I was protected by a government pandemic relief forbearance program. I am ready to resume making mortgage payments again, but wish to be treated fairly and not have the fact that I took advantage of an offered program during a hardship now be held against 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 2022-01-24
Company: EQUIFAX, INC.
State: MN
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment DATE to my report which is incorrect, and I am asking this be deleted immediately. 
Name of Creditor XXXX Account Number XXXX Late Payment Date XXXX XXXXXX/XX/2020 Name of Creditor XXXX Account Number XXXX Late Payment Date XXXX XXXXXX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Collins & Hilton Asset Group, LLC
State: AP
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Collins Asset Group is acting on behalf of XXXX XXXX XXXX stating that I owe {$12000.00} and that an attorney has been retained to collect from me. It was reported that I have no responded to any requests for debt collection and that my wages will be garnished. I currently live in XXXX XXXX and am in the military. 
Ive never been contacted by any of these people for any reason prior to it being on my credit report. Ive contacted them numerous times to have proof provided of this debt and all numbers written on the consumer credit page just give a busy signal and all written correspondence has been returned to sender. 
These inaccuracies and derogatory remarks are false and harming my credit and potentially my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TD BANK US HOLDING COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I asked for a credit line increase. I had a credit limit of {$9600.00}. I was approved for only a {$1000.00} increase and they pulled a hard inquiry on my credit. I wanted a larger increase for a trip I would will taking in the XXXX. My credit score is XXXX and I have been a customer for over 10 years with no derogatory credit information. I called back to inquire if I could get a larger increase without another hard inquiry on my credit. TD Bank said they would try for a larger amount and let me know via letter. On XX/XX/XXXX I received a letter stating that I was not approved for the increase because I have sufficient credit with TD Bank. This letter does not indicate any negative information that would explain a denial. I think their Adverse Action letters have an issue along with their underwriting process. I tried to call TD Bank on XX/XX/XXXX for an explanation. The bank would not talk to me and told me to call back and they would put in a request and someone might call me back. I asked for a manager and had my friend who works at a bank on the line with me to help ask the appropriate questions regarding their letter that made no sense. The representative said I am not allowed to give permission to talk with my friend on the phone line and when we said we would file a CFPB complaint in order to get some help- the Representative hung up on us. I need to understand why there is nothing negative in the adverse action letter and an actual reason why I can not have a credit line increase with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I mailed a certified letter to the credit bureau disputing errors and unknown accounts that appeared on my credit file. I have waited well over 30 days for my results as informed by The Federal Reporting Act., However i never received any results or validation of these accounts. At the moment the credit bureau is in violation of the law section 601 ( a ).

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 2020-01-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2019, I attempted to order my free credit report from Experian per Georgia State Law via their web site. I answered all questions correctly to confirm my identity. I was then directed to a web page telling me to mail in proof of my identity. I then tried a provided link to upload my proof of identity. All information was previously entered correctly and all required documents were given ( State of Georgia Driver 's License scan and Bank Statement Scan ). This failed telling me that the file sizes could not exceed 15MB. The file sizes were 2MB and 135K. They again directed me to mail in the information. I sincerely believe that Experian is making it very difficult to order my free credit report per state law. I had absolutely no problem with XXXX and 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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 deleted : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-01-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX youll seem on Page # XXXX with the letter dated XX/XX/XXXX from Wells Fargo to where they confirmed that they received the Mortgage Assistance Application and on Page # 1 they mentioned that theyre determining which payment assistance may be available. However on the letter dated XXXX XXXX Wells Fargo is lying by stating that they havent received anything on XX/XX/XXXX. These are evil and vindictive Customer Service Representatives. To whom are pretending to be Executives in the Office of the President but are just Customer Service Representatives who works at a Cubicle. And the mystery Preservation Specialist in the past hasnt returned any phone calls or been in touch with the third party. Plus they continues to harass me by sending letters addressed to XXXX XXXX who is mentally incapacitated and hasnt lived here since XXXX and hasnt been seen or heard from in nearly 8 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Earlier this year, I signed up for the XXXX XXXX credit card through Comenity Bank as I was going to be having some repairs done. The guy at the shop explained that I would have 12 months, no interest, for my purchase as it was over the {$750.00} threshold that was required. So I signed up for the card, as this would let me spread out the payments a bit. I got the card, which included documentation of the {$750.00} threshold. When I made the purchase, the guy at the shop said he was only able to select 6 months no interest, and that I simply needed to call the Card customer service and have them update to the 12 months. Sounded easy enough. But when I called, I got all kinds of run-around. They tried to blame it on the shop, when it wasnt the shops problem. Then they said they would look into it. I subsequently sent them a picture of the documentation that I received WITH THE CARD that showed the 12-month 0 % at the {$750.00} threshold. They chose to ignore that information, and took every bit of 3 months to close the case without addressing the problem. So I called them back. The lady said she didnt know why it had been closed without it being corrected, but that I should send a secure message to have them re-open it, and re-send the previous documentation. So I did that. I received a letter shortly after that saying that they werent going to honor the 12 month promo that they advertised and sent me documentation of ( which seems fraudulent at best ). They did not give a valid reason for not honoring their agreement. Subsequently, I submitted a complaint through the XXXX  and the company told them that they would contact me directly for further steps ; that was over a month ago, and they have not. The 6-month promo that they did give me is about to expire, so I need this resolved expeditiously.

Company response to consumer: Closed with non-monetary relief