BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-14
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I paid my mortgage with XXXX XXXX XXXX XXXX before the due date because I was going to be out of town and I wanted to make sure my payment was made.

I paid the mortgage at the XXXX, Oh branch of US Bank. On the receipt I was given it clearly said mortgage payment. On XX/XX/XXXX I missed a call while at work I called the number back at lunch time and was XXXX XXXX XXXX XXXX. I explained to the representitve that I missed a call and was told their was a problem with my mortgage but without my account number they could not elaborate on this " problem ''. So I left work drove home and called back with my account number and was told that my XX/XX/XXXX payment was past due. I told them that they were incorrect and I had a receipt proving I paid on XX/XX/XXXX. After some discussion they were able to figure out that even though the receipt clearly stated mortgage payment they mistakenly filed it as a principal curtailment.I missed over 2 hour of work due to their incompetence.

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 2021-07-16
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This Wayfair credit card does not have an auto payment option as almost all other credit cards. I have called multiple times regarding this concern, I have auto pay scheduled for all my other credit cards to avoid late payment. Not sure why such basic feature is not available.

This credit card account is shut down all of a sudden due to Co- branded relationships ended. Meaning customers can no longer make purchases through Wayfair. But I understood my obligation of continuing making payment. Which I did, but always struggle with the payment system. I started scheduling recurring payment to Wayfair through my banks bill pay feature, since XX/XX/2021. However, Wayfair claimed they have never received any checks from my bank. When I tried to reach out, all they tell me is to dispute by writing. If they can not even receive checks, how do I believe they will receive my letter? 

Now they have reported late payment to all credit bureaus, I have scheduled all the payments through my bank as an auto payment. But for some reason, they were never received. The broken payment system has played a huge role. I, as a customer of their credit card, simply need a auto payment feature that all other credit cards have.

I do not have any late payment in any other cards because they ALL have an auto pay.

I have called multiple times, no one was willing to help with anything, even during the covid 19 pandemic, they provided zero support.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Hello, I am a victim of identity theft and would like to request assistance with resolving this issue. I have recently applied for a credit card at a credit union. The bank declined my application and stated there is fraudulent activity processed under my name. On a few occasions my social security card and ID have been lost and I am certain that may have caused my identity to be stolen. Shortly after, I was incarcerated and did not have the chance to report the stolen identification cards. I have provided all my information below for your review and awaiting guidance to help fix my identity/credit background. 




Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, Texas XXXX Phone number : ( XXXX ) XXXX DOB : XX/XX/XXXX Texas Identification # : XXXX Social Security # : XXXX XXXX XXXX XXXX XXXX account # : XXXX Consumer report for XXXX Reference # : XXXX Thank you, 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 2020-09-23
Company: EQUIFAX, INC.
State: DE
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:
starting XX/XX/XXXX this year I have been unable to access my Equifax information. 

This is the third complaint I filed with you See XXXX You have closed with " the company responded '' but all they have done is send a form letter - they have made no effort to resolve the problem. 

I have submitted my name address driver license and a W2 but all I get from them is another form letter to submit the same information. 

This is awful. 
Please get the company to resolve this and allow me to have a user id that can access my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my problem is im paying toward my principle and it is not being applied. they are putting it in a unapplied holding place, i made paymennts from another bank vai check and they told me their bank can not read what the check is for. then i ask for the money back because they was puting it as a payment but there are no reductions, on the next line. they were adding instead of subtracting, then i got mad after filling numerouse complaints ask for my money that was in holdin and that was not applied, they only sent me back one moth payment, i told them the amout i was paying since XXXX but they only sent back what they want to send me. i have another complaint with them right now about holding funds and charging late payment to have a reason to take my funds, please help i think they are taking atvantage of me because i dont know how to get them to make right there wrong.

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 2020-07-02
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020 {$700.00} deposited into my account. I already had money on there previously so my total balance was {$910.00}! My account is now frozen on cashapp I cant use it its disabled now where I cant even cash out my fund. My rent is now due its very inconvenient to my child and I right now I need my funds. Its very unfair to ha e my account blocked!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have relentlessly tried to remove a fraud alert on my account that was put on in error and incorrectly by Experian, XXXX  and XXXX  for over two weeks now. I previously had fraud alerts removed from the other two agencies, XXXX  and XXXX  and a freeze added to all because I was able to manage them online. I went through series of questions trying to confirm incorrect information in their system, verified my identity but still nothing. I can't even get a copy of my credit report sent to me because they refuse to update my contact information. I have no idea where it would go. I find it ironic that someone else can give them information about my credit file and they add it without question, but I'm told that I can't correct my own information without sending in proof even though they can verify me over the phone. Experian refused to remove my fraud alert without me mailing utility statements, copies of my ID, SSN and other endless documents. I refused to mail them that information, especially since there have been so many breeches involving them. I don't want to add to it. I found out while attempting to apply for credit that the 7 year fraud alert was added to my profile by Experian but it did not properly include the phone number for the merchant to verify that it was me applying. They still refused to remove the alert even though they realize that it did not have a number associated with it. Then on XX/XX/XXXX, they must have refreshed the fraud alert because I received notification that it was added again by Experian and was extended to the other two bureaus. So today I had to start over again contacting them all again and fight to have the information removed. So now I'm playing this game of being required to send them endless documents in an attempt to get them to correct the problem and it is taking them days to correct. I am not able to apply for credit with this problem.

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 2018-06-14
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I currently have 2 accts with mohela student loans that are currently in active and in good standing. On my credit reports it shows late remarks from XX/XX/XXXX through XX/XX/XXXX. I was in a forbearance at that time, due to a tragic accident that my wife was in and she passed away and she happens to be the mother of my XXXX year old daughter so I'm currently raising her all by myself and during that time period I was offered a forbearance on my loans and I was advised that it wouldn't have any negative effects on my credit report. Well now I notice the company was reporting late payments during those time periods which is hindering alot of financial things in my life. Its stopping me from getting a promotion at work which would substantially increase my salary by approximately {$1200.00} a month, my car insurance is higher than it could be, and I'm also in the middle of trying to close on a mortgage and it's not giving me the opportunity of a prime interest rate. So this is costing me about {$1700.00} dollars more per month, all while im trying to raise a XXXX year old all by myself in a good structured environment and living situation. Somebody please help me as this matter is time sensitive so that I can close on my mortgage prior to my XXXX year old starting XXXX in XXXX which she is very excited about. This would help substantially towards helping a XXXX year olds living situation alot better if this can be corrected quickly. Thank you and XXXX bless

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Synergetic Communication Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt notice from Synergetic communication Inc, for the creditor XXXX XXXX XXXX on XXXX. I immediately reach out to via phone and chat to XXXX XXXX XXXX and they confirmed me that I don't have any dues pending. I received the last bill with no dues which was 3 months back. 
I noticed my name on the notice was not accurate hence I decided to reach out to the debt collector via phone and email but I didn't get any response for the communication made on XXXX. 

I drafted a dispute notice to debt collector and sent them written dispute via mail and email on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
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:
I recently requested that the credit bureaus investigate errors on my credit report by mail. They were supposed to respond within 30 days, but they have not. I tried to call them to see what was causing the delay, but I couldn't even get a live person on the phone.

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 2021-07-16
Company: AES/PHEAA
State: CO
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 was told over the phone that my late payments would not be enforced as they would consider them deferred. They since been on my credit report affecting my score no matter what I do. I've been paying my loans back automatically with no change. What more should I do? I have over XXXX in loans, I am a XXXX  who had to work through this pandemic and still can not afford to purchase a home due to my credit from these previous missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: APEX Asset Management, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: JPMORGAN CHASE & CO.
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 has been an inquiry placed with your company that does not belong to me I never authorize any inquiries I have also filed a police report as well as a FTC report on the issue I never authorize Ive given my personal information to be applied for any vehicle loans admin that you remove the inquiry off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a personal checking and savings as well as a business checking and savings with US bank .Starting in XX/XX/XXXX. In XX/XX/XXXX I refinanced my home loan with XXXX XXXX XXXX.

Not long after that US Bank started charging me a {$15.00} a month " account accessment '' fee, even though I had the required amount in order to qualify for their " free checking ''.

I was able to get these fees reversed but it happened several times and was very aggravating, so in XX/XX/XXXX I closed all my accounts with US Bank. They proceeded to charge a {$60.00} fee to my home mortgage for closing all my accounts.I was never informed of this, I would not have agreed to this had I been informed, I never signed an agreement consenting to this. Also I was under the impression that my home mortgage was completely separate from my bank accounts and these were 2 separate companies.

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 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im process of buying a house and got a notification that a new collection account from XXXX XXXX XXXX # XXXX has been placed on my account. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX and never had XXXX XXXX XXXX. It appears someone in the building compromised my identity. Please remove this account.

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 2020-09-23
Company: CITIBANK, N.A.
State: MA
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 XXXX 14,2020, my LLBean MasterCard on Citi Bank was declined for a local hardware store purchase. I phoned the customer service on the back of my credit card and was told the card was declined because I had missed a payment. I replied that I never saw a statement. It turned out that, on XXXX XXXX, 2020, someone ( s ) had enrolled me in " paperless online billing '' using all my personal data -- likely including SS number, credit card number and 3-digit number on the back, etc. -- to bypass any alerts that the card company may have used to alert me to the illicit charges to my account. My actual credit card was not stolen and I had only used it in that period for local, trusted services. To enroll my account in on-line paperless billing, the thieves created a phony profile of me that included phony phone number, email address, passwords, etc., so that, although MC attempted to call me to verify these unusual charges, there was never any answer at the phony number listed on my profile. I have talked at length with Citi LLBeanMC customer service and security ops at Citi Mastercard and determined that the bulk of the nearly {$10000.00} in charges were for purchases through XXXX out of XXXX XXXX. There were other charges as well ( they opened a XXXX account, several charges to XXXX.XXXX, XXXX in Arizona, etc. ). There were a total of 31 illicit charges to my MasterCard account totalling {$9500.00}. Citi Mastercard has been very helpful in resolving these charges, but I am reporting this incident to make others aware that this sort of crime is taking place. It makes sense that credit card companies put in place more two-factor authentication measures than what seemed to exist in this instance.

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 2021-07-16
Company: MONEY SOURCE, INC., THE
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In summary, my loan was paid off to the previous lender, but the new lender still demands a monthly payment. The new lender threatened to report a negative record to my credit report. I have to make payment to a closed loan to avoid bad credit impact. 

DETAIL BELOW, The loan was transferred from The Money Source Inc to XXXX XXXX at sometime in XXXX or XX/XX/2021. The loan transfer effective date in The Money Source Inc 's statement is XX/XX/2021. The loan transfer effective date in XXXX XXXX 's statement is XX/XX/2021. This is very confusing, please see attachments for detail. 

The loan was paid off on XX/XX/2021. The fund was sent to The Money Source Inc. See attachment for transaction detail and full reconveyance letter from the money source for lien release. 

Currently, I have no loan outstanding with the money source or XXXX XXXX. I should pay nothing to XXXX XXXX. XXXX XXXX refused to admit the fact and asked me to make the payment. I contacted XXXX XXXX weekly or even twice a week since XX/XX/XXXX and they always told me to wait patiently until the loan is near 60 days after the transfer, which is XX/XX/XXXX. XXXX XXXX doesn't actively contact the money source and refuses to further help me on this matter. 

Now, it is near the 60 days past the transfer date based on XXXX XXXX 's record. The XXXX XXXX threatens to report past due and I have to pay the {$6300.00} to avoid negative credit impact. 

I also contacted The Money Source on XX/XX/XXXX, they promised to solve the case before XX/XX/XXXX, but an agent called me on XX/XX/XXXX and still couldn't tell me why the case is not solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: EQUIFAX, 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:
Im process of buying a house and got a notification that a new collection account from XXXX XXXX XXXX # XXXX has been placed on my account. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX and never had XXXX XXXX XXXX. It appears someone in the building compromised my identity. Please remove this account.

Company response to consumer: Closed with explanation