BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-28
Company: Stellantis Financial Services US Corp.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
In XX/XX/XXXX I refinanced my XXXX XXXX XXXX. The original loan was through Stellantis Financial and it was refinanced through XXXX XXXX. On XXXX via priority USPS mail I sent a XXXX XXXX XXXX to Stellantis in the pay off amount of {$28000.00}. Per USPS tracking this was received by Stellantis in their XXXX, TX address on XXXX. ( see attachments ) This check was cashed by Stellantis and the funds were paid out on XXXX. ( see attachments ) However, Stellantis continues to send me late payments notices, late fee notices, and now a letter threatening vehicle repossession citing they have not received payment. I have contacted Stellantis via phone XXXX times. On XXXX I spoke with a manager, XXXX XXXX, and emailed her a copy of the cleared check which XXXX XXXX had provided me in an attempt to help remedy this. XXXX XXXX confirmed receipt, said she would look into it and I would be contacted in XXXX  business days. ( see attachments ) Stellatis never contacted me except via an automated text to alert me my payment was due. On XXXX XXXX, a XXXX XXXX representative, contacted Stellantis with me on the line via a XXXX call to further certify they had paid out these funds to Stellantis and to obtain proof of ownership or vehicle title reflecting XXXX XXXX  as the first lien holder per the refinancing agreement. Over a XXXX XXXX XXXX XXXX XXXX time span, the XXXX XXXX Representative and I were transferred to XXXX different people with no one providing any remedy. Again the cleared check was requested and emailed to XXXX XXXX who confirmed receipt. The only explanation given was that the check was cashed but not processed because they ( Stellantis ) are having problems on their end with their payment processing and their payment processing team is behind with " a long queue '' of payments. I was told I needed to be patient as " first come, first served. '' Supposedly there have been XXXX payment researches opened on my behalf. Meanwhile I continue to receive calls, texts, and letters about missed payments and late fees. On XXXX I received a letter from Stellantis threatening repossession if they do not receive their funds by XXXX. ( see attachments ) They have received these funds and cashed them via the company 's XXXX XXXX account. I can provide this account number as it is indicated on the back of the cleared check ( see attachments ). The back of this cleared check also indicates the po box the check was sent to, the same address I sent payment to on XXXX via USPS certified mail as stated previously ( see attachments ). I am also prepared to furnish any phone records to show how many times I've attempted to contact Stellantis in regards to this matter.

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 2023-06-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX I received my statement from XXXX XXXX stating that they didn't receive my XXXX 's payment of {$82.00}. I immediately called and the XXXX representative said that because I was a good customer and had never been late, that she would waive the interest and late fee. The outstanding balance was immediately paid. Then in XX/XX/XXXX I received my statement and I was given a credit of the late fee of {$29.00} but then I was charged a {$40.00} late fee and some additional interest. I immediately called again and was told that they understood the error and would remove the fees and interest and I again made my payment. In XX/XX/XXXX I received my statement and was again charged late fee for the outstanding interest of {$4.00} which I was told would be removed. Every month I have called and sent letters and the late fees keep adding up until finally in XX/XX/XXXX, XXXX decided to charge off my account. I am horrified as I have never in my XXXX years ever paid a late fee or interest. I did have good credit but now XXXX has really hurt my credit score with the fabrication of late fees and unfair interest. I no longer shop at XXXX which is a shame because it was one of my favorite

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i have submitted several disputes to all the major credit reporting bureaus ( Experian/XXXX ) on my XXXX XXXX account. I've requested several times to look into the inconsistent information being reported. do date all i have received are notifications stating the account has been either updated or verified as accurate. To date XXXX is reporting a completely different account number. I don't even know if this is my account they're reporting. XXXX is reporting a high balance of {$750.00}. Experian is reporting a high balance of {$0.00}. XXXX is reporting a high balance of {$1.00}. XXXX is reporting date of last activity as XX/XX/22. Experian is reporting date of last activity as XX/XX/22. XXXX if reporting date of last activity as XX/XX/22. XXXX and Experian are reporting date of last payment as XX/XX/22 but XXXX reports it as XX/XX/22, which again makes me question if this account is even mine. XXXX is also reporting a {$0.00} credit limit. How is a balance owed on {$0.00} credit limit? I am entitled to a fair and accurate report. If this is the same account, why are they reporting different information across all 3 bureaus? I have requested verification and validation of this account OR complete deletion from my credit file. I have received neither.

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 2022-02-28
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called to receive information about a debt. This debt is apparently from XXXX XXXX XXXX. XXXX account number XXXX. I never received a bill prior to receiving a collection notice. This bill/debt is not listed as an insurance claim. I do not know if this is a legitimate bill and why it doesn't show on my insurance. When I tried to call about this, the agent wasn't helpful. She indicated she couldn't tell me where the bill originated or provide me with a copy of the bill and/or any contact information. This is not right. I need to see this reflected on my insurance claims and a proper bill to feel comfortable paying this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Please Read the enclosed Affidavit. This has been forwarded to General Attorney of California. The FTC, AND THE OCC

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Formerly, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : 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 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 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 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 2023-02-10
Company: AXOS FINANCIAL, INC.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Company has stated that refund is forthcoming since XX/XX/2022, and refund has yet to be received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: NJ
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:
Sent repeated letters to the credit bureaus to have an unverified debt collector removed off of my account and they started by sending mail stating it was verified and the last letter in XXXX  of 2020 stated that they were done investigating unless I had new evidence, yet the burden of proof of the debt is not on me, especially when I can't get a decent response of verification from either bureaus or the debt collector

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 2023-11-05
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
IVE DISPUTED THIS XXXX XXXX COLLECTION NUMRIOUS OF TIMES DATEING BACK FROM XX/XX/2023, XX/XX/2023, XX/XX/2023 ACCOUNT NUMBER IS XXXX AS IDENTITY THEFT, BECAUSE IVE NEVER HAD AN ACCOUNT WITH THEM. IVE ALSO ASK THE BUREAU TO VERIFY THIS AND ASK HOW DID THEY VERIIFY, HAVNT HEARD ANYTHING. PLEASE HELP, ITS HURTING MY CREDIT.

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 2022-12-06
Company: EQUIFAX, 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:
IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED CREDIT CARDS, UTILITY, AND COLLECTION ACCOUNTS AS WELL AS ADDRESSES, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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:
MY XXXX  AUTO LOAN ACCT NUMBER XXXX SHOWS A LATE PAYMENT IN XX/XX/2020 WHICH IS NOT CORRECT. EACH BUREAU SHOULD BE ON THE SAME PAGE AND REPORT DATA CORRECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting with this letter to remove the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} 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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 been a victim of identity theft since 2017 I have poof that my identity have been compromised it not fair to me that I got to suffer from someone else wrong choices I have no knowledge of the accounts thats reporting to my credit report they have been open with my information fraudulently the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent supporting documents stating that my identity where compromised and the accounts we open without my consent or knowledge using my information Under federal law 15.USC 1681A SECTION 2B STATES THAT I HAVE THE RIGHT TO DELETE ANYTHING OFF MY CUSUMER REPORT THAT HAVE BEEN OPEN USING MY INFORMATION WITHOUT MY CONSENT.

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 2023-02-21
Company: Experian Information Solutions Inc.
State: UT
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:
XX/XX/2023 I received an email to confirm 3 vehicles that do not belong to me but belong to my grandparents XXXX and XXXX XXXX. 

XX/XX/2023 I was asked security questions that are randomly pulled by my credit history through Experian. These questions were about loan and loan payments in regards to my grandparents vehicles. 

I do not own a vehicle, neither do I have an auto insurance policy nor do I have an auto loan. I never did this. I never signed! I had to be fingerprinted to do Auto Insurance. I will go in and provide my fingerprints. I didnt do this! 

XX/XX/2023 I got in the mail information to pull up my credit history through XXXX. It shows vehicles, auto loan and auto insurance in my name. I didnt do this. It needs to be removed. This is identity fraud.

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 2020-08-19
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:
MY XXXX  AUTO LOAN ACCT NUMBER XXXX SHOWS A LATE PAYMENT IN XX/XX/2020 WHICH IS NOT CORRECT. EACH BUREAU SHOULD BE ON THE SAME PAGE AND REPORT DATA CORRECTLY.

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 2023-03-09
Company: Carter-Young, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: TN
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 have filed three disputes each for two different XXXX XXXX accounts. The first account ends in XXXX and the second account number ends in XXXX. Attached you will find the results of those disputes from Equifax. XXXX XXXX states on ( IMPORTANT INFORMATION ) on XX/XX/XXXX that the last payment they received from me was XX/XX/XXXX. This was not the original date showing up on the first dispute but was changed by the company on subsequent disputes. On the first account ending in XXXX, I did not make any payments on XX/XX/XXXX whatsoever. I did however make the following payments amounts and on the following dates. Payment one after their XX/XX/XXXX date was on XX/XX/XXXX in the amount of {$150.00}. Payment two was made on XX/XX/XXXX in the amount of {$130.00}. Payment three was made on XX/XX/XXXX in the amount of {$1200.00}. Payment XXXX was made on XX/XX/XXXX in the amount of {$9.00}. And lastly, for this account payment, five was made on XX/XX/XXXX in the amount of {$11.00} resulting in a XXXX balance ( please see attached payment history from XXXX XXXX 's website ). Now, if they reported on XX/XX/XXXX that my last payment was on XX/XX/XXXX, where did they get this information since it is completely inaccurate? If the balance was updated on XX/XX/XXXX it would show a XXXX balance instead of owing 98 % of my available credit. This misuse of information is damaging to my credit report and I have tried three times to no avail to get the issue rectified. On the second account ending in XXXX, the following payments were made on the following dates. Payment one was made on XX/XX/XXXX in the amount of {$250.00}. The second payment was made on XX/XX/XXXX in the amount of {$98.00}. The third payment was made on XX/XX/XXXX in the amount of {$410.00}. And lastly, the four payment made on this account was made on XX/XX/XXXX in the amount of {$50.00}. No payments were made on either account on XX/XX/XXXX as stated by XXXX XXXXXXXX. The correct balance for this account is {$490.00}, not {$940.00}. For reasons I will not speculate, XXXX XXXX and Equifax have failed to fix the reporting of this false information despite me sending them proof and being persistent in my findings. In lieu of the information being corrected, account remarks have been changed and the date from the first dispute versus the next, and so on. I am trying to get this issue resolved as quickly as possible. This information is being reported to you because my formal disputes are going uncorrected and my phone calls are being abruptly ended despite no vulgar language or yelling on my part. I have been nothing but professional in this matter but ; I have been persistent. Please see the 14 attachments below. Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: MD
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:
Good Day, I am writing to dispute the derogatory credit mark made against me by XXXX XXXX XXXX. XXXX XXXX received a payment of {$2900.00} on XX/XX/XXXX for the XXXX billing cycle. Due to an update to the escrow amount, the payment was short {$57.00}. I did not receive a notification letter nor was there an email or phone call of said change that would warn me that my mortgage amount had updated. After being out of the country from XX/XX/XXXX through XX/XX/XXXX, I was shocked to receive a letter from XXXX XXXX claiming I was 30 days past due on my account. 

Upon returning from being out of the country, I immediately called XXXX XXXX customer service to understand the matter fully and address it, I was educated by the representative that instead of leaving the funds in suspend ( per XXXX XXXX XXXX policy ), the payment was processed as a principal-only payment. The payment was never noted to be a principal-only payment, rendering my account 30 days late. If the payment was left in suspend, then the following payment of {$2900.00}, received on XX/XX/XXXX would have rendered the XXXX balance to be paid in full. After several calls to their customer service, they ultimately reversed the principal-only payment, acknowledging the incorrect process, but will not reverse the derogatory credit reporting caused by their error. Due to this processing error on XXXX XXXX XXXX part, I do not agree with the negative assessment placed against my credit report. 

In my 3 years of home ownership, I have never missed a mortgage payment, or any other payment for that matter, and my credit score and history reflect that. XXXX XXXX XXXX lack of clear communication regarding the escrow update, making my mortgage payment a principal-only payment, and the lack of ownership for their processing error, makes it clear that they do not care about the average consumer. 

Attachments : 1. I have provided a copy of their statement that explains their " Partial Payment '' policy, in which they did not follow. 
2. I have provided my payment statement that shows XXXX payments processed for the same amount as the XX/XX/XXXX, however, XXXX XXXX processed it as principal-only, unauthorized.

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