BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: Experian Information Solutions 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 XX/XX/XXXX I contacted XXXX XXXX XXXX, regarding two for 2 unauthorized inquiries from XXXX XXXX from two different dates : XX/XX/XXXX, and XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX XXXX sent a letter to me, and accepted the two inquiries as fraudulent. XXXX XXXX XXXX mentioned that they instructed the reporting agencies to delete them from my credit report not to affect my credit worthiness with lenders. 

As up to date, Experian has not deleted the inquiry from XX/XX/XXXX, and neglects to delete 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 non-monetary relief
Consumer complaint received 2019-05-23
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing about an account from Midland Founding, account XXXX opened on XX/XX/XXXX claiming a balance of {$1100.00}. Midland is a debt buyer, they claim this money was owed from an old XXXX XXXX credit card. 

On XX/XX/XXXX Midland funded attempted to sue me in XXXX Municipal Court, case XXXX, but the case was dismissed on XX/XX/XXXX when they could not prove to the court that I owed the debt. This can be verified by looking up the case at XXXX XXXX XXXXXXXX I notified both credit bureaus in writing of the dismissal. XXXX removed the account from my file right away, but XXXX would not because they say that Midland confirmed to them that I still owed the debt even after I showed them proof that their claim had been dismissed in XXXX Municipal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Spoke with rep from naivent about XXXX XXXX XXXX being a closed school and that it needed to be removed from my student loan account and credit report because it is inaccurate and not verifiable. I was told it would take months to know something and that is will be on my report until XX/XX/2028. I have not received any up date on why a school that is no longer in business would stay on my student loan and credit report until XX/XX/2028. This has caused me a tremendous about of stress to my credit score and not being about to obtain credit with this errorous information on my student loan and credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, a Chapter XXXX bankruptcy was filed, and discharged on XX/XX/XXXX. Under Federal law, this can only be reported on a person 's credit history 7 years from the date of the filing, if it has been discharged. Documentation can be provided upon request.

Bank of America, loan # XXXX, granted a refinance during this period of time. However, they are continuing to report to the Credit Bureaus the status of " Discharged through Bankruptcy Chapter XXXX Never late. '' This is an erroneous statement, due to the period involved. 

I have contacted BofA, and they are unable to direct me to the Department responsible for credit reporting. I am requesting the status comments be amended to " Refinanced/Never late. ''

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 2018-07-11
Company: Total Card, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX representing XXXX, XXXX is trying to collect on debt not owed. Debt collectors keep sending repeated offers to settle this debt to incorrect addresses and with repeated calls followed by questions about filing taxes and paying off Federal Loans. I am at risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
! st I did a transfer of funds from my penfed account to my XXXX account XXXX stated that the funds were not available. However the funds were taken from my penfed account and it created fees. I contacted Penfed explained what happen they reversed the fees and told me not to use XXXX to withdraw my money. I than used XXXX XXXX the same thing has happen it was returned for funds not available which is in error. Am unable to access my funds and I know from past history that am being target

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 2018-06-26
Company: Professional Adjustment Corp. of S.W. FL., 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:
there is alot of stuff on there and i have called the companies and advised them there is no way that was me someone used my info i was in prison and then a half way house for 3 years in XXXX, fl

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am very worry of the way my loan is been credit. I receive the escrow review statement dated X/XX/2017 reflecting escrow shortage for the amount of {$4800.00}. Since I do not want any other fees to be added to my monthly mortgage payment. I decided to pay the full amount of the shortage. I mailed out a check to Wells Fargo on X/XX/2017 for the full amount of {$4800.00}. and it was withdrawn from my bank account. However the monthly mortgage statement I keep receiving from Wells Fargo is reflecting my escrow is higher every time. With this complaint I am providing a copy of the check I mailed to Wells Fargo. Also my bank statement shows the check was cashed out. I dont understand if I paid my shortage of {$4800.00}. My mortgage statement dated X/X/2017 is reflecting a escrow balance of {$6200.00}. I am requesting a detail explanation of how my loan was credit. Also the an explanation why my escrow keeps increasing every time. Please address all my concerns since I do not want to fall behind. Due to Wells Fargo 's mistakes Thank you in advance for your consideration.

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 2020-05-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I currently have a VA Mortgage Loan serviced by Wells Fargo. On or about XX/XX/20, I applied online and was approved for a three month loan suspension due to Covid-19 impact on our finances. On XX/XX/20, I decided I was still going to be able to make the monthly payments and called Wells Fargo and cancelled the loan suspension and reinstated the monthly payments. It should be noted that I had already made XXXX 's payment and XXXX was paid on time thus, I never missed nor was I late on any mortgage payment. However, in XXXX and prior to the next payment being due, Wells Fargo reported to the Credit Bureaus that my loan was in Forbearance. 

I have requested this to be removed from my credit reports and Wells Fargo has indicted they will report my loan as no longer being in forbearance. However, they can not give me an answer as to how long it will take. 

I am currently trying to do a VA streamline refinance but, I am precluded from proceeding while that is noted on my report. Thus, I could incur some financial harm especially if rates go up before I can proceed. 

My main concern/complaint is : Does the mortgage servicer have the legal right to report that a loan is in forbearance prior to the next payment being due or before the consumer has missed a payment? 

It appears that Wells Fargo is arbitrarily reporting forbearance to the credit agencies as soon as they are approving the loan suspension and not waiting until the suspended payment period begins. 

Do they have the authority to do this? 

Additionally, Wells Fargo did not provide any information to indicate that they would report such 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 2020-05-24
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a account up with Us Bank in XXXX, Wi at the XXXX in XX/XX/2020. With a Promo Code to receive {$300.00}. I met all requirements and there refusing to deposit the money in my account. There liars, and used this checking account offer to get people to use there bank.

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 2020-05-11
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, XXXX XXXX has confiscated the miles I earned from credit card sign up offers from Citi Bank. I received signup offers from CitiBank as part of the offer for opening new credit cards with Citi. All of the signup offers were deposited into my XXXX XXXX account XXXX. I had opened XXXX XXXX Credit Cards with Citi Bank between XX/XX/XXXX - XX/XX/XXXX and received a signup bonus as part of the card bonus offer. 

The applications for my XXXX XXXX Credit Card with Citi did not have any 48month restriction for bonus. Attached is a screenshot of the application page which does not mention any 48month restrictions. As you can see my applications do not have any 48month restrictions. 

XXXX XXXX claims that I have circumvented " the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page '' Attached is the response I received from XXXX XXXX to my DoT Complaint.

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 2019-05-23
Company: EQUIFAX, INC.
State: RI
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:
checked my credit report and seen some inquiries i did not authorize and would like them removed. 
XXXX 1 ) XXXXXXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX   XXXX, XXXX 10 ) XXXX XXXX  XXXX XXXX XX/XX/XXXX equifax 1 ) XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I returned the lease vehicle to the dealership on XX/XX/18 and received a vehicle return receipt ( attached ). XXXX XXXX did not properly input the return into their internal system resulting in an inaccurate reporting of delinquency on my credit report. I've contacted them numerous times and am being told the error is being corrected and delinquency remarks are being reversed. The company is taking an excess amount of time to correct my report ( more than 60 days ) resulting in penalties to my credit score and open trade lines both being reduced. I believe this is a violation of the FCRA and am at the point of taking legal actions.

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 2018-08-29
Company: Global Credit & Collection Corporation
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I toke out a loan in XXXX of XXXX with XXXX XXXX XXXX in XXXX, TX. Apparently they sold the bad debt to XXXX XXXX XXXX XXXX. Global has contacted me ( XXXX XXXX ), my uncles ( XXXX XXXX XXXX XXXX ), my aunt ( XXXX XXXX ), and grandmother ( XXXX XXXX XXXX ) via phone stating that there is a order of location against me in XXXX, TX and threatened to come to there home to arrest me. They also stated that I am not willing to cooperate which I have spoken to multiple persons within there office and provided my personal phone number and mailing address. I was told that I owe {$1600.00} by XXXX XXXX w/ Global ext XXXX and then {$1700.00} amount from XXXX with Global. I looked on XXXX XXXX XXXX website and the amount owed is {$1400.00}. I asked for something via mail and they both stated that they can not send anything via mail. I asked for options to pay they stated that I had to provide a traceable bond via credit card. I asked for their mailing address and they stated that they are not willing to provide this info. XXXX XXXX with XXXX XXXX has been rude, threatening, and has harassed my family regarding a personal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: ACS Education Services
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following unverified items/ Account listed below still remain on my credit report in violation of Federal Law. Under the FCRA creditor is suppost to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. On XX/XX/2014 I was victim of identity theft, in the event I filed a Police Report : Personal Vehicle Auto Theft! Creditors Must provide me a I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXXXXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX   XXXX Unverified Account XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I've had my mortgage since XXXX and had been employed with a government agency since XXXX. In XXXX, I had to file a whistleblower complaint and unexpectedly lost my job. I contacted the bank and was offered a forbearance until I could obtain new employment. I made every payment on time and finally was able to locate a new job. However, this income was less than I had been making, I met all the requirements that had been outlined by the bank. When I went to make my final forbearance payment, I was told my loan had been sold to some XXXX number. There were no branches or people I could meet to discuss my options. While this was completely unexpected and unsettling, I tried to work with them and supplied all the information they requested - three times. They stated they couldn't help me and couldn't honor the previous bank 's agreement and put my home in foreclosure. Since COVID hit, they have not been able to enforce this and I will file bankruptcy to save my home, as they have refused to work with me. I have since gotten another job, which put my income back in the range of when I lost my other job but this XXXX number doesn't care. They have been focused on selling my home, they have sent realtors to try and encourage me to sell and have violated all agreements with my previous bank. I only wanted the chance to repay the outstanding amount and was told, " it doesn't matter what you pay us because we're going to foreclose anyway. '' I was told by my original bank I could make payments without interest for the first six -12 months or extend my payments. I did what I was supposed to do on my end and the bank lied to me, misled me and is now trying to take my family 's home and I need help. This should not be legal and it is not OK to take advantage of someone who suddenly fell on hard times. Please help me if you can. Thank you for your time.

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 2017-11-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently relocated to Florida and grounded my XXXX XXXX XXXX purchased in Iowa. I called in for the payoff upon trading my vehicle in for a XXXX XXXX and the dealer issued payment for the remaining balance. After XXXX received the payment, there was still a balance of {$330.00} reflective on my online account so I called in to verify what it was for. The representative told me the taxes applied monthly to each payment were actually removed since a lump sum was paid at once and the {$330.00} was what was left on my account. Upon fulfilling the {$330.00}, I would then receive the disposition fee of {$350.00} along with any fees from damages found. Not even a week later I received a bill in the mail for {$1400.00}. I have called several times to verify these charges and no one will call me back. They have threatened to place my account status under a voluntary repossession if they do not receive their payment 30 days of the notice. I have no idea what this charge is and can not get ahold of representative or XXXX with an answer. I 'm starting to think they do n't even know. I am a victim of XXXX XXXX and a single mother ; if I knew this amount was due the dealer would 've covered it. I have never missed a payment with XXXX. I can not afford to pay this along with my current bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: Account information incorrect

Complaint:
XXXX XXXX XXXX Account # XXXX is reporting inaccurate payment history to the following credit bureaus XXXX and Equifax XXXX I have attached copies of my credit report from the two bureaus and highlighted the inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I seen on my XXXX XXXX that I have these 3 hard inquiries that I dont know about and one of them was car hop in XXXX. It shows no amount just that it affected my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have written to Synchrony Bank/Care Credit on a minimum of three occasions requesting proof that this account is mine. I have no recollection of opening an  account with them and certainly did not fail to pay any amounts owed. 

They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. 

This charge off is harming my credit profile and score.

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