BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: HUNTINGTON NATIONAL BANK, THE
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello and good afternoon to whom it may concern, My name is XXXX and I'm currently pursuing a records request from a Bank named Huntington. I've have made at least 7 attempts ( fXXXX ) to reach out to them for help regarding a copy of a canceled check payable to the IRS in XXXX. The process started with some human contact in the first XXXX attempts and now they are failing to respond or act in good faith to this request. I closed out my accounts in XXXX, XXXX so I no longer have the records or access to the accounts to which this check derived from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
l live in XXXX, FL where Hurricane Irma impacted the area on XX/XX/XXXX. My home took significant damage and I had a sizable deductible on my policy for the damages. I contacted my mortgage company, XXXX XXXX XXXX XXXX, on XX/XX/XXXX and was told that I would qualify for the 3 month forbearance for the months of XX/XX/XXXX - XX/XX/XXXX. 

On XX/XX/XXXX I called my 'relationship manager ' at US Bank and was told that if I completed a Uniform Borrowers Assistance application and myriad other documents and submitted them through XXXX and also sent them to US Bank ( via email ), I would qualify for a deferment plan and the three months mortgage payments would be moved to the end of my loan. I submitted all the requested documents on XX/XX/XXXX and US Bank and XXXX both acknowledged receipt of the necessary documentation. A week or so later I spoke to my relationship manger at US Bank and she informed me that there was no deferment program, that my loan could not be modified and that on XX/XX/XXXX three months payment were due. On XX/XX/XXXX I submitted a complaint and hardship letter to a special email address at US Bank ( XXXX ), which I received from them in a letter. In my communication I made clear that I was told by the relationship manger that I would qualify for the deferment plan if I completed and submitted the aforementioned forms. 

I received a formal response from US Bank 's Customer Advocacy Representative dated XX/XX/XXXX. In the letter they stated that " ... the representative you spoke to on XX/XX/XXXX informed me that the forbearance plan was not a deferment and that a deferment was not an option for my account ... '' During my many discussions with the relationship manager and other customer representatives I always asked for a written confirmation of the deferment and was consistently told we do not confirm in writing, but we will make a notation on your account. 

The Bank has since extended the deferment thru XX/XX/XXXX, and on XX/XX/XXXX I will owe for four months. Monthly payment is {$1600.00}. The Bank has reneged on the promise to modify my mortgage, denied they ever infomed me of this and will not work with me to resolve their error.

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 2021-07-18
Company: Incomm Holdings Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Vanilla one prepaid card XXXX XX/XX/XXXX XXXX Funds were used on XXXX website not by me the purchaser I want to receive my funds back immediately. 
When i purchased this i was covered by fdic insurance. 
I would like a replacement visa egift for the amount of XXXX dollars please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/XXXX I sent dispute letter to all 3 credit bureaus requesting the removal of several items. A closed credit card account that is over 10yrs old, a charged off credit card account over 8 years old and two collection accounts that I do not owe money to and never had contracts with. XXXX deleted all the accounts. XXXX and Equifax did not, they only updated the reporting of the account. I contacted XXXX and Equifax again via mail on XX/XX/XXXX. I explained to them that XXXX had deleted the accounts, provided proof of that and asked them to also delete the accounts from my credit file. XXXX, updated the account again and did not remove it as requested. Equifax did the same and advised me to contact the credit card company. My complaint is that they are not required by law to continue reporting this outdated information and they ARE required by law to remove it at my request. The information I need help having deleted is XXXX XXXX XXXX on my XXXX  file, XXXX XXXX XXXX and XXXX XXXX XXXX on my Equifax file. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Leased a car from American Car Center, that processed the sales person lied about the purchase and never told me I was leasing. Company closed and sent to XXXX, and XXXX will not honor warranty and car is not working.

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 2019-07-16
Company: RAB PERFORMANCE RECOVERIES, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RAB performamce received a judgement against me for {$6200.00} on XX/XX/06. I never received notice of this hearing, and never had a chance to dispute or question the amount. Now RAB performance is demanding over {$14000.00}. I have called them many times and the will not offer any information or explanation. I am not even sure what this debt if from, they will not offer me any proof of that is amount is from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
US Bank via a non-solicited call persuaded me to refinance my house on XX/XX/2020. Since the initial application US Bank tried every tactic to delay the process for some reason I do not understand. Maybe their rate is not favorable? They've asked me to provide more than 40 different documents which I complied swiftly and accurately. Some of the documents were requested repeatedly. Some of the documents, such as my credit report and homeowner insurance documents, have ever since expired due to the delay, result in unnecessary expense for me. Most other banks could complete the process within three to six weeks. Yet my loan application, five months after the initial application, is still under review, resulting in highly emotional distress and substantial financial loss ( had I refinanced earlier I would have paid much lower interest payments for these months ). 

I understand US Bank has no intention to close the loan and requested them to cancel but they were disserting me at best.

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 2023-04-13
Company: EQUIFAX, INC.
State: VA
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-07-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was improperly charged for an unauthorized purchase of a credit report from Experian. I called their customer service number and it was 100 % automated. There was no option to speak with a person to describe the fraudulent report - just prompts to visit their website. I went on their website to speak with an agent over chat, and all I have seen all day is " Online Chat Unavailable, All chat agents are currently assisting other customers. '' Instead of placing me in a queue they gray out the option. I researched on XXXX a number to get ahold of a person in customer service and called that. Their menu does not advertise an option to contact a person about billing issues, so I had to select another issue and ask that person to transfer me. They did and I waited on hold for almost two hours ( they provided no time estimate or place in line ) before giving up. I checked their website again and their chat option is still down. 

I believe they designed this set up deliberately to dissuade consumers from asking for refunds or reporting improper billing. It is in most basic terms, a scam.

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 2020-07-21
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Synchrony Bank XXXX  XXXX that has now be turned off twice this year do to fraudulent activity and I am not notified prior to it being turned off. I always have plenty of credit available and use the card for autopayments so when it is turned off it is a giant hassle to update all the autopays. When I call no one is ever able to answer what occurred leading to the card being turned off and I am forced to wait for a new card to arrive, during this time I have no access to my 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 non-monetary relief
Consumer complaint received 2020-07-21
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Submitted letter of dispute to National Credit Adjusters disputing ownership and accuracy of a derogatory collection account listed on my credit report that I have no knowledge of. 
After a request to validate debt that this National Credit Adjusters alleges I owe, they have responded with detailed information for a loan provided to a person name XXXX XXXX, along with her address and other sensitive contact information. Oblivious to fact that that literally none of this information matches my own they stated that they consider the matter closed. As I am clearly not the person listed on this loan I demand that this be deleted from my credit report prior to pursuing legal action. 
Please see complaint number XXXX and review the documents that were uploaded by National Credit Adjusters

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2020, there was a hard inquiry that hit my report from The Home Depot/Citi Card. I have called Home Depot and on the first call they were able to locate the application and flag it by pulling up my social security number. I then tried to dispute it with XXXX  and it came back that the findings were factual and that if it was incorrect I needed to contact The Home Depot and Citi Bank. When I called back Home Depot they were unable to find anything with my social security number so they told me to call Citibank. I called and they were unable to find anything with my social as well. I was sent going in circles trying to call Home Depot, Citibank, and XXXX, all unable to help me get this hard inquiry off of my account that absolutely doesn't belong to me. I never applied for anything with Home Depot or Citibank. It seems that the inquiry is pretty much stuck in limbo, since there was never an account opened. Nobody has been able to help me and I don't know what else to do to get this hard inquiry removed. I also sent letters to the credit bureaus requesting that this dispute be removed. Please 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 non-monetary relief
Consumer complaint received 2018-05-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase charged interest on the average balance rather than the unpaid balance. {$17.00} interest on {$530.00}. They show an average balance of {$1100.00} and based the interest of 17 % on that amount. They are refusing it. They claim that this issue shows on the disclosures. They claim that I was short only {$1.00}, that this calculation would take place. 

I have been in XXXX  for 30 years and have never heard of this method.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOE/XXXX  Company Inquiry : 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 2022-12-16
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX  is reporting a balance of {$8400.00}. The full amount was paid, and posted, to my account on XXXX/XXXX/2022 leaving me with a credit of {$80.00}. 

A statement showing a XXXX  balance was generated ( attached ) and a check for {$80.00} was issued and received, yet my credit report still shows this card with an {$8400.00} balance on a card with an {$8500.00} limit.

This negatively impacts my credit score and despite disputing this and calling the bureaus and XXXX  - nothing has been updated in nearly 3 months.

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX  is reporting a balance of {$8400.00}. The full amount was paid, and posted, to my account on XXXX/XXXX/2022 leaving me with a credit of {$80.00}. 

A statement showing a XXXX  balance was generated ( attached ) and a check for {$80.00} was issued and received, yet my credit report still shows this card with an {$8400.00} balance on a card with an {$8500.00} limit. 

This negatively impacts my credit score and despite disputing this and calling the bureaus and XXXX  - nothing has been updated in nearly 3 months.

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 2023-06-01
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX ( XXXX creditor : CITY OF XXXX - XXXX ) XXXX Balance : {$2700.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX CITY OF XXXX ) XXXX Balance XXXX {$620.00} ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18
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:
My name is XXXX XXXX. Equifax is refusing to delete a tax lien record from my credit report that is not mine. It is being reported as paid and released but I have never had a tax lien placed against me for any reason. It has a " Date Filed '' of XXXX 2015 and account number # XXXX. It does n't make any sense for this to be on my Equifax report. The other two bureaus, XXXX and XXXX, are not reporting this on my credit at all. This account randomly showed up on my XXXX report a couple of months ago and the moment I sent disputes to have it deleted, XXXX deleted it very promptly. I am attaching a copy of XXXX XXXX  deletion letter. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: EQUIFAX, 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 am not sure that I selected the correct items for this complaint. I paid off my car loan with XXXX XXXX XXXX XXXX ( which was more that {$3000.00} ). Yet, my credit score was decreased 13 points and it was given that closing that account was the reason! Why would closing an auto loan account penalize and decrease my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my mortgage company has a different deed description for my land parcels than i have on my tax bills. I believe the town tax administrative clerk is sending false information to my bank to allow for manipulation of ownership.

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