BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Diners Club states on their website at https : XXXX. as below. 
However the reality is that Diners Club XXXX XXXX does not accept merchant disputes and does not investigate anything, and has no consumer protection against unscrupulous merchants. Diners club XXXX XXXX has no functionality for submitting disputes online, and if you try to call them, they will tell you that they are simply a payment processor and will not get involved in merchant Disputes 'Q : How do I dispute a charge? 
A : Transactions can be disputed by phone, in writing, or directly from your online statement. Online just enter the necessary information and submit the form. Written notification of dispute should be mailed to Diners Club, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your inquiry is sent directly to our Customer Service Research Department. It usually takes from 45 to 60 days to research a dispute. You can also contact Customer Service at 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 2022-04-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am XXXX XXXX, I am submitting this complaint for myself. No third party is involved. Unknown account appears suspicious. Portfolio Recovery stole my identity. I never gave Portfolio Recovery permission to have my personal information which constitutes identity theft. This alleged account is deceptive and suspicious. No response has been provided. It has been over 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: Lenderfi, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We prepaid roughly $ 3k in escrow during our home refinance experience with Lenderfi.

Several months later, we learn no payments were made to our home insurance firm, XXXX XXXX and we received a threat of cancellation notice in the mail from insurer. We called Lenderfi, were told they had computer issues that had complicated payment and they had been resolved on XXXX XXXX during my phone call with customer service. 

A week later, our insurer told us that never happened, they still hadn't been paid. I called Lenderfi again on XX/XX/XXXX and was told they weren't able to make an escrow payment as someone had failed to input our insurance information into their computer system although we had been making and they had been keeping escrow payments. We were told this was elevated to manager level and would be handled within 48 hours. 

Today, XXXX XXXX, our insurer told us they still hadn't gotten anything from Lenderfi. I again called Lenderfi and again they said nothing had been done yet and asked us if we could front them the $ to avoid the cancellation notice and they would " pay us back. '' Three days before XXXX. As I sat in a parking lot with a XXXX year old and was bounced between one customer care person to another.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25
Company: Bread Financial Holdings, Inc.
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get calls basically everyday from Comenity bank trying to collect a debt. Sometimes I get up to 6 calls a day. I block the numbers they call from, but they keep switching up the phone numbers they call from. Also, I have kept record of these calls on my phone log. Also, I have more screenshots that I can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For years now I have been trying to work out loss mitigation options with the bank. 
Now I am now in foreclosure and there is a sale date of XX/XX/2022 I sincerely believe that the Bank / Lender are using the process to toll my account to build up fees interest and penalties to eat up the equity in my home and take my home from me. They are using my home as a cash register for Their benefit. 
Also the bank has committed fraud including counterfeiting to try and steal my home from me. See attached letter

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 2022-04-01
Company: WELLS FARGO & COMPANY
State: ND
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On multiple occasions between XX/XX/XXXX and XX/XX/2022 I have contacted Wells Fargo for information on my XXXX XXXX mortgage loan. I have provided judge signed probate papers naming me as the estate administrator and they are still refusing to provide valuable information related to the mortgage loan. 

I spoke with a representative tonight, XX/XX/2022, who wouldnt give me payoff or payment date 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 non-monetary relief
Consumer complaint received 2017-10-25
Company: Risecredit, LLC
State: OH
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:
XXXX XXXX told me someone checked my credit score without my consent and it looks like someone is trying to open an new account on rise and i have not authorized to set up an new account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureau to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my XXXX XXXX and this line item need to be removed 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 2022-04-02
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 Talked to 3 different associates of this company they had my name wrong address wrong as well as email and phone number wrong they asked if i ever had XXXX XXXX XXXX XXXX I explained I didnt I asked for a validation letter and proof that they own or they have been assigned this debt waiting on email as well as follow up letter the amount owed was in the amount of {$3500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25
Company: LOBEL FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Originally, I was 2 months behind with my car payments. I called the lender to make arrangements to pay 1 month 's payment on XXXX XXXX and then the next month that I was behind on XXXX XXXX. The lender agreed, said no problem. I made the payment on XXXX XXXX of {$450.00} which was 1 payment. As of XXXX XXXX, the lender filed repossession and my car was removed on XXXX XXXX, even after telling me I was not in danger of repossession as long as I made the 2nd payment on XXXX XXXX. When I called to discuss the previous arrangement to pay the remaining payment on XXXX XXXX, they did not respond to that question and instead asked me if I wanted to begin the process to get my car back. In response to that, I asked how much I would need to pay to get the car back. They advised they would not tell me until I began the process to get it back ( I did n't know if I could get it back so I needed to know the cost first ). Next I asked how to get my personal belongings out of the vehicle and was then advised that I would need to pay to get the vehicle back. The lady was very unprofessional and was cursing at me over the phone. At this point, I feel as though I do not want the vehicle back because they will come repossess at any time even if I do make arrangements. I do still need my personal property from the vehicle ( XXXX XXXX in overhead compartment ) and would like to see a copy of my loan history notes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. More specifically, I am referencing the fact that you are reporting an incorrect account number following # XXXX this is indirect violation of Section 609 of the Fair Credit Reporting Act stating in Advisory Opinion to XXXX  ( XX/XX/XXXX ). " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file ''. Stating that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. Their improper procedures are highly damaging to my credit score. Please immediately delete this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: FL
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:
I'm in the process of purchasing a home. I looked over my credit report and I noticed that there are inquiries on my credit report that I did not authorize. Every Inquiry that is not attached to an active account I did NOT authorize and needs to be 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 2022-04-02
Company: EQUIFAX, INC.
State: FL
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:
I'm in the process of purchasing a home. I looked over my credit report and I noticed that there are inquiries on my credit report that I did not authorize. Every Inquiry that is not attached to an active account I did NOT authorize and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: EQUIFAX, INC.
State: TX
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 XXXX2017, after reviewing my Equifax credit report, I noticed 5 unauthorized inquiries and one inquiry which is more than 24 months old, appearing on my credit file. I immediately contacted Equifax to question the unauthorized which appear on my credit report and to have the one 'aged ' inquiry removed. I was informed by a Equifax representative that I 'd need to contact each company to have the inquiries removed. After contacting the companies listed I was informed by each company that the 'inquiries ' would have to be removed by Equifax . It appears as though the companies have me running back and forth trying to figure this out, however, Equifax is responsible for making sure its entries are accurate and up to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
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:
I am writing this Due to noncompliance with the CRA Equifax. They failed to remove information that was Affiliated with personal information and Details that were challenged in the past. I strongly believe that they are in violation of the FCRA And out right refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
It was from mountain America credit union XXXX loan for XXXX which is a credit card XXXX is for XXXX $ or so, then a bank account was opened under my name. They wont do anything even with a police report, they are vary rude and dont care. They wont delete it from my credit report, they dont remove it from my name and its fraud. Its ruining my credit its ID theft I was park of XXXX breach even

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: DRS Financial LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed XXXX to XXXX XXXX XXXX Acct # XXXX I paid it off in 2 payments of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
A Target credit card was opened in my name and sent to my address. It was sent at the end of XX/XX/2021. I contacted the credit card company on XX/XX/XXXX and closed the account. I reported as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: KY
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX CARD # XXXX, XXXX CARD # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-02
Company: AMERICAN EXPRESS COMPANY
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Redemption of miles shown for charge never made. Company refuses access to credit card account and replacement of card never received, including change of address to receive account documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX XXXX I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment o my report which is incorrect, and I am asking this be deleted immediately. This are the creditors that were reporting late payments XXXX XXXX  Account Number : 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 explanation
Consumer complaint received 2021-11-10
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a Costco Visa card issued by Citi. I have spent more than {$100000.00} on the card over the last two years and have paid my balance fully every month and never missed a payment. The bank closed my card last week. I called to ask why and they said to wait foe a letter in the mail. I just received the letter which says that they closed the account based on my request. I never asked them to close the account and I can not get an explanation why they closed it.

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 2022-04-02
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My complaint is about FedLoan Servicing ( myfedlaon.org ). 
I am a student borrower. 

My complaint is that they are not properly responding to my email questions or phone calls. The email responses I get are boilerplate information from their public announcements and do not directly address my questions. Also, the phone number their emails refer my to ( XXXX ) operates on a perpetual hold ( I have waited up to XXXX minutes, twice ). 

The context of my questions is, why was only a portion of my student loans dismissed under my Public Service Loan Forgiveness application? Are there steps I need to take to get the rest of my loan balance dismissed? What do they need from me? 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: C/C Financial
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:
In XXXX XXXX XXXX, someone stole my identity to borrow {$3600.00} from Preferred Lease to help them pay for their rent. The account is XXXX. It has a {$3600.00} balance and it was closed in XX/XX/2021. Now, the account remains on my credit report as a negative impact on my credit score. I haven't gotten ahold of the fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Harris & Harris, Ltd.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Multiple ILLEGAL ROBOCALLS that have been reported to the XXXX each time yet nothing is done. I HAVE NO DEBTS so I know these calls are bogus and they come at times that are also illegal. The number the calls come from is XXXX from XXXX and XXXX debt collectors. I have never gotten a letter or any other information about any debt owed. Please do SOMETHING ABOUT THIS ILLEGAL BEHAVIOR!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Paid card off in XX/XX/2021 as I do every month since opening card. Didnt use card in XXXX come XXXX receive a bill for {$74.00} for late fee and finance charges when there was a {$0.00} balance. Called tried to talk to the rude customer service girl got to the point I just closed account. She said I had no choice but to pay. I paid the {$74.00} and now Im XXXX a month later I receive another bill for {$42.00}. Card was paid off and account closed. Called again and yet another rider customer service girl who said the same thing pay it there is nothing they can do. I am not going to fall for that again they are financially XXXX XXXX and if I keep just paying on a closed and paid off account they will continue to send a bill with some excuse every month. Enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: EQUIFAX, INC.
State: AP
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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon review of my credit profile I noticed inaccurate personal information. My name, address and employer need to be updated immediately. This false information needs to be 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