BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to New Rez LLC. In XXXX I switched banks and tried to update my checking account details for my autopay, which was carried over from the previous company. There is no way to cancel the autopay on their website. I have contacted New Rez MULTIPLE times trying to get the autopay cancelled. I told them they no longer have my permission to withdraw funds from my checking account. I set up automatic bill pay from my new checking account and paid the mortgage the week before it was due, but they still took the autopay from my old account despite my notifying them more than a month in advance. I spoke with them last week and was told they had cancelled the autopay and were refunding the extra payment, but they have not refunded it and when I log in I still see the autopay set up with the old checking account information. They owe me {$1000.00} that was taken from my account after it had already been paid, and I want my checking account information completely removed from their system, with the autopay cancelled. I am furious with the ineptitude of this company and will NEVER trust them with my checking account information again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: AR
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by. Based on their lack of responding in the time frame and their investigation results they have not abused by laws.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00}

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 2023-02-27
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: 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$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 2020-10-20
Company: CITIBANK, N.A.
State: MD
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:
This account is being re-aged. My credit card account has reported multiple chargeoffs.This item is being reported inaccuratley and not congruent on your credit. Because of this negative reporting, the creditor is attempting to increase credit damage, and coerce payment by making the debt appear newer in age. This is a clear violation and this is hindering my ability to borrow. The " date of last payment '' and " date last active '' are all reporting different dates on all 3 credit bureaus. ( see attached ) Please delete this from my 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 2020-06-04
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 information incorrect

Complaint:
I have reviewed all three of the credit reporting agencies reports for myself. The show as follows : XXXX  Total Balance Due : {$57000.00}. 
Total Payments : {$710.00}. 

Equifax Total Balance Due : {$57000.00}. 
Total Payments : {$2100.00}. 

XXXX  Total Balance Due : {$57000.00}. 
Total Payments : {$2100.00}. 

The balances on all of our accounts ( 1 real estate/1 car payment ) is {$29000.00}. The total monthly payments we pay ( 1 real estate/1 car payment ) is {$1100.00}.

We have some additional credit card accounts, but there is XXXX balance on them, and has been that way for years.

I have contacted XXXX  previously, however, they refuse to change the numbers on my credit report. Can you help me? As I strive to maintain excellent credit information, when you look at these credit reports, it indicates that I owe more than TWICE as much as I actually do. I am furious about this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: AR
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by. Based on their lack of responding in the time frame and their investigation results they have not abused by laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Experian Information Solutions Inc.
State: LA
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 contacted and faxed Experian, XXXX, and XXXX   on several occasions asking them to remove the extended fraud alert from my credit report, but they have not removed it. I never gave them permission to place an extended alert on my credit report. I ask that they have this fraud alert removed 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 explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/20 TransUnion charged me XXXX dollars for a free account to freeze my credit. I thought they just wanted my card info to confirm my identity. Then when I called to get my money back, they kept telling me I was eligible for a {$100.00} Gift card if I paid XXXX dollars. I kept saying no I just want the {$24.00} refunded. Not once did I say I wanted the gift card. They charged me for the gift card anyways. I feel scammed. I know what an advance fee scam is. They used the info they already had on me to charge me without my consent. Twice.

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 2020-04-06
Company: HYUNDAI CAPITAL AMERICA
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 information incorrect

Complaint:
I was contacted via email from XXXX XXXX stating I was reported Deceased on my credit report. I contacted XXXX  who informed me Hyundai Motor Finance ( XXXX  ) had reported me deceased. I contacted XXXX  on XX/XX/2020 by phone and several more emails have been sent. I am still unable to get a credit score from XXXX. My normal FICO score has always been above 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 2018-10-19
Company: Mitsubishi Motors North America, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Identify theft Then cherges made Inquiries Attempts for.loans am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: DISCOVER BANK
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 belongs to someone else

Complaint:
These accounts don't Belong to me. Please remove accounts : 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18
Company: PENTAGON FEDERAL CREDIT UNION
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:
The company Pentagon Federal Credit Union is reporting to the bureaus accounts I know nothing about.  I have been trying to have this information deleted because it was in fact of part of identity theft.  I have never owned nor had any accounts with the mentioned company.  Listed on my bureau as Pentagon act XXXX and the other has no account number at all.  This is and has been damaging my creditworthiness.

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 2018-08-08
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Trying to buy a house and get a mortgage. There is a negative thing on my credit report that says I owe over 27,000 . The company that is listed on my credit report is Transworld sys inc/ XXXX XXXX XXXX . I called them to ask them about the debt. The date listed on my credit report was XX/XX/XXXX. I never took a loan from them, never got a letter from them. My last loan I took was in XXXX. The only loan to my knowledge that I owed money on was from key bank. I havent made a payment to them since XXXX. And that loan was for XXXX $ I told them in XXXX when I was having financial trouble that I cant afford the payments. They started to call my XXXX year old daughter cell phone asking for money. Im an emergency room nurse, and was calling my work everyday. I told them to stop and they kept calling and harassing me. So, I stopped paying them. I have paid off, or charged off XXXX $ in school loans since XXXX. And worked hard to get out of debt and own a house again. 
When I called this XXXX XXXX XXXX, they found me in the file but would tell me the loan I apparently took out. I asked for proof of debt, promissory note, etc. they said they didnt see any in my file, and told me they never sent me a letter of debt or settlement. My mortgage loan broker tried calling them, they said they will fax proof of debt, but never faxed them anything. Now they are refusing to talk to me or him. This might cost me this house, stress, is hurting my credit and costing me a higher interest rate. The underwriter wont go threw with the mortgage with this on my credit. Regardless, if this turns out to be from key bank or XXXX, then the last time I made a payment was 5 years ago. What I rdo ad and was told that after 3 years is the statute of limitations. Please help me, rectify this situation, cause I think they have no proof that I even had a loan. Cause if they did, they would send me it, and wont. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was sent a promotional offer from TD Bank offering a {$300.00} cash bonus to open a TD Beyond Checking Account. The offer stated that the account had to be opened by XX/XX/XXXX ( I opened the account on XX/XX/XXXX ), that I had to set up direct deposit and deposit {$2500.00} within 60 days ( which I did ), that I could not have had a checking account with TD Bank in the past 12 months ( Which I did not have - I did have a checking account with them in XXXX ). 

When I opened the account I spoke with XXXX XXXX, a Store Supervisor to ensure that I met and could meet all requirements. She ensured me that I did and that I did qualify for the {$300.00} cash bonus. 

I called the bank after 90 days and they reassured me the bonus was on the way and that it could take up to 120 days before receiving. After 120 days I called the bank again and was told that I met all requirements and that they would contact the correct department to have the {$300.00} cash bonus deposited into my account. 

One week later ( no phone call or explanation form TD Bank ) I called again. After speaking with a representative for quite a while explaining my situation I was connected with the Branch Manager XXXX XXXX. She told me that XXXX XXXX was no longer at that branch and that she would look into my dispute. 

I have documentation of mailing offer and statements. XXXX explained that the mailer says bonus can not be combined with any other offer ( which it does ). I explained to XXXX that I did not combine any other offer with the opening of my new account. XXXX XXXX also reassured me I was not combining this offer with any other. 

XXXX XXXX then told me that I received a {$300.00} bonus in XXXX from TD Bank when I opened up a checking account with TD Bank in XXXX. I told her that yes, I did receive a {$300.00} cash offer from TD Bank in XXXX, but that I was not combining it with this offer. 

There is no where in the TD Bank mailer ( I do have a copy ) where it states that if you previously received a bonus from TD Bank, that you are ineligible for another bonus. 

As previously stated, I have all documentation and believe TD Bank did not live up to the bonus offer sent to me. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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:
These accounts are not mine. 
XXXXXXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. The Fraudulent Activity happened on XX/XX/2017 with a balance of {$1500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: Williams & Fudge, Inc
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a request for validation of debt to Williams & Fudge Inc. on XX/XX/2019. I still have not received proof of debt from this company. 

They made contact with me via phone on XXXX/XXXX/2019 and still did not provide any validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
In XXXX we returned our leased vehicle to the dealer as instructed. This was during the beginning of the pandemic. We were told we would be contacted by the leasing company regarding next steps. Several months passed and we did not hear anything. Finally sometime around XXXX/XXXX we were contacted about the vehicle 's inspection, completed the required forms, and were told we would receive the final end of lease terms and payment information in a separate communication. Again months passed by and we heard nothing. We eventually received a call from the lease company 's debt collection service that our final payment of approximately {$850.00} dollars was passed due. We explained that we never received any type of written or verbal communication regarding the final payment. We were told that the company had the wrong address on file ( we did move during the time of the lease ), but that we had nothing to fear as long as we paid the final bill, which we did. This completed our obligation for the lease. Unfortunately the payment was recorded as 30 days late and is now reeking havoc with our credit. Given that the pandemic caused all types of delays and that there was never any formal written communication regarding our end of lease payment we felt it wasn't fair to have our credit dinged with a late notice. We appealed to the leasing company ( see attached ) but they have been reluctant to work with us. I'm hoping this can be rectified. We have paid the lease in full and just want our credit restored by having the delinquency note removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to Santander Bank At XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/2019 at XXXX XXXX   to deposit {$160.00} that I had in change. {$140.00} of it was rolled plus I had a dollar coin the rest was loose quarters pennies nickels and dimes but not enough to make a complete rolls I was told that they wouldnt take any of the change because it wasnt rolled even though there wasnt enough to make a roll I told him I find it hard to believe that the bank wont except the money and they told me it was just their policy they did however decide to take just the quarters in the dollar coin making my deposit {$150.00} but wouldnt Except the other {$5.00} and loose change I am really mad that my own personal bank would not take my money as I needed the money to be deposited because I am low on funds they told me it was their policy

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 2020-07-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a old XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) bill that I have been paying on for over a year. XXXX XXXX  XXXX was the collection agency. But I worked directly with XXXX XXXX  XXXX to pay it off. I have disputed this before with experian, they always say the same thing. It meets fair credit reporting standards. My first dispute was that the amounts were wrong, but this last time it was that I have paid it off. My original file date was XX/XX/XXXX. The amount they say i owe is {$2000.00}. My account is up to date. I disputed this same thing on my XXXX XXXX credit report and they did thier jobs a removed it. In less than a week.

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