BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was denied credit by multiple finance companies due to collections being reported by IC Systems. When I asked IC Systems to validate this debt was actually mine, I received no response, but they continued to report the inaccurate information.

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 2021-05-07
Company: RFNA, LP
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
got a letter from main office Republic Finance in XXXX XXXX LA. told i didn't owe them loan was settled but still shows on my credit report unpaid plus false claims from their XXXX TN office since XXXX going to this date XX/XX/XXXX I think maybe some fraud about me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The bank Dovenmuhle is withholding my escrow amount of {$4000.00} for the past 7 months. It is very difficult during this unprecedented times and the bank is not responsive in returning the money. I refinanced my mortgage with this bank on XX/XX/XXXX. Therefore, under law I am entitled to my escrow amount. Below are the times I have contacted the bank XXXX - First inquiry was made to request status of the check. I was told the check will be coming. 

XX/XX/XXXX, XXXX Second inquiry was made to request for the check, I again was told it needed to go through the system so I should get it in 30 days. 

XX/XX/XXXX - Third inquiry was made to request for the check, I was told it is in the mail XX/XX/XXXX XXXX Fourth inquiry was made to request for the escrow check, I was told by the supervisor XXXX XXXX XXXX , the check is coming. 

Today is XX/XX/XXXX. I have been waiting over 7 months. Coronavirus is a difficult period of time. For the bank to withhold money to ordinary people, is immoral and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2020 we were approved for a 30 year fixed mortgage with Wells Fargo to purchase a home in XXXX, Wyoming. Well Fargo told us that if we opened a NEW checking account AND funded it with {>= $1,000,000} we would get an .5 % interest rate discount ( 2.375 % instead of 2.875 % ). 

Based on this agreement and Well 's specific instructions, we opened a new Wells checking account and funded it with $ XXXX on XX/XX/XXXX which was 7 business days BEFORE our scheduled closing on XX/XX/2020. 

Between the time the $ XXXX was deposited ( XX/XX/XXXX ) and the expiration of escrow ( XX/XX/XXXX ) Wells failed to produce closing documents with the lower rate ( 2.375 % ). On the final day before the sales contract was to expire Wells Fargo indicated that they could not produce the closing documents with the lower rate ( due to admitted internal delays ) but that they could produce the documents at the higher rate instead.

At this point we had essentially no choice other than to lose the house or to close the loan at the higher rate.

We filed an official complain with Wells Fargo which resulted in Wells ADMITTING they failed to perform in a timely manner but refusing to re-price the loan in accordance with the original agreement.

In my opinion, this is an example of Wells Fargo bait-n-switch. ie : Dangling a lower interest rate in exchange for opening a new checking account ( key performance indicator for Wells ) but then failing to make good on the agreement. This behavior is highly similar to the recent fraudulent behavior Wells Fargo for which Wells has been penalized by the SEC.

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 2020-08-31
Company: Allied Account Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want you to delete this account from my credit report. This account is not mine, i would never ruin my credit this way. Its affecting my everyday life, I'm not able to get insurance or anything. I already try to fix it with the store and they told me they cant do nothing about it and i believe this is very unfair. to have to pay for something that's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: LA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted XXXX XXXX several times about this account reporting on my transunion credit report and neither time could they find an account with my name but it 's still an account listed on 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 2020-11-14
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX Pacific Service Credit Union are both illegally reporting that I owe them for the same account. This is not the fair credit Act. Pacific Service Credit Union has paid XXXX XXXX XXXX and has reported a collections on my credit for XXXX while XXXX XXXX XXXX is also collection for the same closed account for the amount of {$8100.00}, both companies are asking for me to pay a total of {$17000.00} for the same account. This is fraud, I have disputed this, because this needs to be deleted off of my credit, and both companies denied, and want to collect two separate payments totaling in {$17000.00} for the same account that was closed in XX/XX/XXXX, which was insured with insurance for payment in the event something happened to me, and it did. I lost my child, and XXXX stated that they was not going to accept my insurance coverage on the credit card, because I was XXXX  before getting the insurance, although my child was diagnosed with XX/XX/XXXX after I enrolled and was paying on the credit card insurance. My daughter XX/XX/XXXX, I lost her, and I lost my job because of it, and when I filled out the credit card insurance medical paperwork coverage to have them pay the credit card bill thru insurance that I was paying XXXX XXXX XXXX for credit card coverage, they denied it. The refused to accept the claim to pay the credit card off. I would like these companies to remove this error off of my credit report. 
I believe that the item should be removed from my credit file. XXXX XXXX XXXX refused to accept my claim for my credit card insurance payment to pay the bill off, while I was out on XXXX for the loss of my daughter, and then I was terminated by my employer. I wrote them a letter several times explaining that. I was baby. XXXX XXXX XXXX told me that my XXXX XXXX stemmed from the diagnosis I got about my daughter 'sXX/XX/XXXX XX/XX/XXXX, but I had a XXXX & XXXX in XXXX of XXXX, and started seeing a XX/XX/XXXXdoctor, so my claim should have bene paid. My XXXX claim was for XXXX regarding, my loss of child but, XXXX XXXX XXXX denied the claim stating my XXXX is associated with the diagnosis of my child before I got credit card insurance. I have attached my proof of documentation. 
Please have XXXX and XXXX XXXX XXXX delete this off my account. I have done everything out of goodwill, medical documents to have this resolved, yet they both are trying to collect money from me on the same account, which should be illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
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 submitted a complaint. The company responded and said they have the loan application showing it was me that took out a loan. I have never lived in XXXX Alabama and I have filed multiple identity theft reports to get this account removed from my credit report. The company also didn't send any copies of ID or social security card. This account is not mine. Delete it from my report. I have also filed a police report against this company

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 2020-11-04
Company: EQUIFAX, 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'm complaining about unfair portrayal of credit information on XXXX, XXXX, and equifax.The negative portrayals of XXXX XXXX acct. no. XXXX, XXXX  XXXX XXXX, account no XXXX, XXXX  XXXX XXXX, acct. no.XXXX, and XXXX  XXXX  XXXX are due to a single source that was beyond my control and overwhelming me.My spouse who is now divorced from me was systematically stealing and using credit without my permission.As a result I am left with severe credit damage which could be mitigated by you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: General Motors Financial Company, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called GM financial on XX/XX/20 after seeing they put a charge off on my credit report. I called them and asked for information about the charge off. I wanted to know the amount they resold the vehicle to, and more details about the sale. I told them I wanted to know how they came up with this charge off amount. They rudely told me it was my job to update my address for this information and that they couldnt give me the details. That they can only mail me the charge off amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: VA
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:
While I was XXXX  my identity was stolen and abused. This account do not belong to me and I'm asking that it be blocked immediately from my credit file. The account in this instant matter is, XXXX XXXX XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
While I was XXXX  my identity was stolen and abused. This account do not belong to me and I'm asking that it be blocked immediately from my credit file. The account in this instant matter is, XXXX XXXX XXXX {$790.00}

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 explanation
Consumer complaint received 2021-02-21
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
On XX/XX/XXXX received letter from Dept of Labor and Employment saying claim for unemployment benefits has been received. My husband is XXXX years old and did not file a claim.XXXX XXXX received a Visa debit card from US Bank. We are fearful that someone is stealing my husbands identity. Please advise us on what to do to stop this.

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 2020-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I had {$80000.00} USD wired per instructions given by XXXX XXXX XXXX XXXX to a business account that I have at XXXX. XXXX   The funds came out of my account at XXXX XXXX XXXX XXXX Iowa thru XXXX to XXXX XXXX Bank of America account. The money was never received in my account. My bank here in XXXX Iowa, XXXX XXXX   has made numerous attempts to get information from Bank of America and cant get them to reply to secure messages, phone calls, or emails from both XXXX and XXXX XXXX. I have also been in contact with XXXX XXXX which says the funds are not in their Bank of America account. My Bank XXXX charter has also tried to pull the funds back from Bank of America which we have gotten no response from. 

This is a related complaint on different Bank. Complaint # 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 2018-04-30
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: Account status incorrect

Complaint:
The original creditor is XXXX XXXX XXXX XXXX and I owe them {$0.00} dollars and XXXX ( XXXX XXXX XXXX XXXX ) knows that I owe {$0.00} but this reported to Equifax a {$700.00} balance. I can not believe Equifax would let this bogus company report this as a collection account when I owes XXXX XXXX XXXX XXXX {$0.00}. I want Equifax to remove this account from my credit file immediately. The account number is XXXX with XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: FL
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 have made several legal contacts in attempt to resolve this matter and would rather request for this fraudulent account to be removed, simply because it was not done with my knowledge or consent. I am prepared to take legal matters if this account is not removed from my credit history. No one should have to deal with such nonsense and fraudulent activity, as though this pandemic isn't enough for crying out loud!

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 2021-05-07
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: Personal information incorrect

Complaint:
On XX/XX/XXXX, XXXX and XXXX of 2021 I contacted transunion to notify them that the social security number reporting on my credit report was incorrect/or an error but it has yet to updated

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 2020-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont have a debt with them they are calling in regards to someone with the same name as me and Ive asked them nicely to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Bread Financial Holdings, Inc.
State: NY
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:
This bank is horrible its not fair the way they treat me horrible I reported that I cant use my card it asks for a PIN number which is ridiculous when its a credit card not a debit card when I try to use XXXX XXXX at a store it asks for a PIN number its not fair now they put a hard retriction my card was declined I call and find out their is a restriction I asked why they refused to remove it or help me to use my account how is this fair when I was approved these people this bank is the worst horrible they like to bother me and aggravate me they enjoy torturing me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: TMX Finance LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am writing to you about a title loan I got in XX/XX/2013. I received the loan in the amount of {$6000.00} ( XXXX XXXX ). I needed this loan for a personal matter. I have never had a title loan before and when I went in she explained to me that she would take a picture of my car and give me the loan I need .I informed her that I didn't know how soon I could pay this loan back. She said no problem, you can make monthly payments of around {$360.00} or I could make smaller payments and stretch it over a long period of time. But was not explained the true cost of the loan if I renewed it multiple times. I was mislead by the terms and cost of the loan .Never was it told to me that this loan was and should be a 30 day loan.The amount of the loan also exceeded the amount my car was worth. Even if I would have tried to sell my car to pay off the loan, I still could not have paid the loan off. Each month she would renew the loan without discussing the fees or the total cost of repeatedly renewing the loan. I have paid on this loan for 5 years. I lost my job this XX/XX/XXXX and went to them about how I was going to make the payments. All that was said was I could voluntarily turn my car in or they would repo it. Of course I need a car to get a job. My brother stepped in to help me keep my car. After 5 years of paying around {$360.00} a month, I still owed {$4800.00}. Total of a {$6000.00} loan has cost me {$26000.00}. We found out that when my brother paid the note off, I was being charged an interest rate of 97.21 %, Never has that ever been discussed during the loan. I would have never paid the loan off and my car is not worth selling. I was offered {$500.00} for it. Yet, they made a loan for {$6000.00} and used it as collateral.I am filing this complaint because I feel like I was mislead about the terms and cost of the loan.

Company response to consumer: Closed with explanation