BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report. 
XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO 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 2020-07-17
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I cancelled an automatic mortgage ( loan Care LLC ) payment due to issues with my bank account. I submitted a one time payment to cover my mortgage. Although my auto draft was cancelled the servicer still took the funds from my account. I called in the morning of XX/XX/2020 to let them know I need the funds returned immediately ( I mentioned that I needed the funds returned that same day multiple times and the representative did not say it was not possible ). I submitted the request per their instructions and received no update. I called back the same day for a status update and they told me it would take 10 to 15 days to process ( information that, if I had it before, could have made a difference as I could have wired money before the wire cut off time ). I asked to speak to the supervisor and she said it's not 10 to 15 days ( at this point I have been given 2 pieces of wrong information ), I asked what they are going to do to fix this and the supervisor kept repeating that their is a process but did not offer any other solutions. Access to the funds ( which I could have gone around had the first representative told me it was not going to happen same day ) was very crucial for me and now I am in a difficult position because I have bills due that I can not cover right away.

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 2020-04-24
Company: REGIONS FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail today, XX/XX/2020 from XXXX XXXX XXXX XXXX stating that " the records of Regions Bank show that your account has a past due balance of {$5500.00}. 

Creditor : Regions Bank Client Account # : XXXX XXXX Account # : XXXX Reduced Balance Amount : {$2700.00} Total Balance : {$5500.00} XXXX  Phone : XXXX The letter was sent to my name and address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have never heard of Regions Bank. I don't have an account there and never have done any sort of business with them. 

I have an outstanding credit record. 

I have been a victim of credit fraud twice before. The CFPB kindly helped me clear my name and restore my credit record. I can't believe it is happening again! Please help! 

Thank you in advance for your help. I look forward to your response, Sincerely, 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 explanation
Consumer complaint received 2021-02-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX of 2020 care credit ( through synchrony bank ) closed my credit card which had a XXXX  balance, a card that through out the years I have held balances on and always paid my minimum payments and paid it off entirely because the purpose of this card is to be kept and used for medical emergencies ( we got and kept it active for our XXXX  year old dog and if needed our cat, but our dog had XXXX issues and was aging ). At the beginning of this year I was the first affected by the pandemic I had to use my savings the first 3 months before I got through to unemployment and have been on unemployment and at home with my XXXX children through out the pandemic. I Had to rack up all of my credit cards this year during the pandemic while caring for my mom who is XXXX  e compromised with severe XXXX also affected by the pandemic. Upon racking my my credit cards this year my credit score has fallen SIGNIFICANTLY I have to wait for my taxes to pay them off. 

XX/XX/2020 care credit snd synchrony bank who I also have 2 other credit cards with CLOSED MY XXXX BALANCE ACCOUNT. Not my XXXX card, not my XXXX XXXX card both holding a balance both of which I've had for 10+ years. Synchrony closed my XXXX  balance medical credit card that is used for emergency purpises. 

Last month our dog died we had to use our rent money. That same week our cat got attacked by an animal and is still sick and we again had to use our rent money. 

I am living solely on unemployment still and going back to work soon and have racked up all my credit cards including ones through synchrony I have faithfully paid on including interest, and this company was allowed to do this during a pandemic? 


Creditors can't charge us late fees on our accounts during a pandemic but they can close our XXXX balance accounts that are in good standing especially those for emergencies? 


Please tell me you guys have thought of this. 

Synchrony bank told me that have had ZERO COMPLAINTS ABOUT THIS ISSUE. I highly doubt I am the only person they did this to during the pandemic. 


This is something you guys should look into. 

I would love my medical emergency card back but its fine, I will make it one way or another like I always have. But this doesn't seem right, at all. 

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 explanation
Consumer complaint received 2020-07-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo was offering 3-month mortgage forbearance due to Covid-19 so I did not make mortgage payments for XXXX, XXXX and XX/XX/XXXX. I called in XXXX and was told those 3 missed months would be added on to the end of my mortgage. I was told to resume normal payments in XXXX. My balance at that time was $ XXXX. 

When I logged into make my XXXX payment, there was weird activity on my account. My principal balance had decreased to $ XXXX and then increased to $ XXXX. I've attached a screen shot of my mortgage activity from XXXX. I tried calling Wells Fargo on XX/XX/XXXX but no one could explain this to me. I was on the phone for 2 hours and transferred 4 times. I finally submitted an email to the company. 

I received a response on XX/XX/XXXX that my question couldn't be answered over email and that I had to call. Once again, I've been transferred and on hold for over an hour and no one can explain it to me. 

I don't understand why my balance was increased. It should have stayed the same and my loan should have been extended by 3 months. Otherwise if my loan is extended and my balance increased, I'm being double-charged.

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 2023-05-28
Company: EQUIFAX, INC.
State: MI
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 a fraudulent account on my credit report from citizens pay off credit for {$2.00}. I didnt apply for this credit or line of credit. I have attached the police report and FTC email after I filed a fraud complaint with the government. 

Also I have inquiries that I didnt make XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 / XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XX/XX/2023. XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX = XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I 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 I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation 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 2023-03-24
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed up for a Policy with XXXX XXXX on XX/XX/XXXX of 2022, then called to cancel the policy on XX/XX/XXXX. I was then told my policy would be canceled immediately. I then recieved an email weeks later stating how i had payments coming up even though i requested for the policy to be cancelled. Funds were then attempted to be taken out of my account even though i had called multiple times to get my policy canceled within the same week and following weeks of opening the account. I was instructed to provide proof of insurance through state farm which i did. Payment for that month then came out on XX/XX/XXXX due to me being a XXXX veteran, we get our checks on the first of every month. I would call progressive repeatedly to find out if my policy was canceled yet only to get excuses or even agents saying " what cancelation? We dont have it in our system for your policy to be cancelled '' which led the policy into not being canceled for even more amounts of time. I also have on my bank statements stating that payment was taken out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I would also never receive a notice in the mail of a debt owed or collections owed until 3 days ago and to find out the next day my credit being decreased due to a new collections. I would also follow up with XXXX almost on a daily basis to then be told by an employee to disregard any bills i would receieve within the next 30-60 days due to the cancelation. I would still call till i got confirmation that my account had finally been closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Resurgent Capital Services L.P.
State: IL
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:
I contacted XXXX XXXX and Resurgence today XXXX around noon with an attempt to understand why I received a court summons to go to court on XXXX. I should not be going to court over a fraud account. I sent documents requested by the Fraud Department with XXXX XXXX on XXXX via email to Resurgence certified mail on XXXX. I have been awaiting a response from XXXX. Today after talking to XXXX at XXXX, I realized that there is another email that I could follow up with XXXX on. I forwarded documents to that email. Resurgence told me that CACH LLC recalled the debt allegedly owed by me. Instead of correspondence from Resurgence and/or XXXX XXXX, I received a court summons letter from CACH LLC filed on XXXX at XXXX XXXX at the XXXX XXXX with no court date or time. There was a request for a substitute appearance. This is not my debt or responsibility to be sent to court. I also do not have a good number on CACH LLC ; Resurgence would not give me the number to CACH. I have not heard of or even heard from CACH LLC. I sent all documents and CACH LLC recalled the debt for a reason I do not understand. This is not my debt. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2016 I discharged my debt through the Bankruptcy courts by filing chapter XXXX, my Wells Fargo card was included and till this day, on my XXXX report, they have been reporting me late and past due! This is inaccurate and needs to be corrected, this debt was charged off and cant be reported that I am late on that account when its been discharged. Please fix 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 explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: AL
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:
My name is XXXX XXXX, and I am a victim of identity theft. I tried to contact the bureaus, but nothing is getting done. I would like them to have some urgency and remove these accounts immediately. They are in direct violation of the the FRCA laws. I am suffereing, and my family is suffering.

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 2020-07-17
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have an account with a service provider called Nelnet. My loan # is XXXX. 

I had applied for, but apparently was not granted a deferral for my student loan. I had been continually paying for years on this loan. Being a XXXX, and believing that negative interest accrual was not allowed, essentially applying 100 % of payments to interest only, I contacted Nelnet because when I was told that my loan was past due, i immediately paid the entire payment. I was shocked to see that my entire payment of {$800.00} was applied not anything to principal, but 100 % to allegedly accrued interest. 

I contacted the company, saying I am looking at my payment history, and my interest monthly was {$36.00}, how are you applying nothing to the principal. They told me this is correct, that all your payments go to interest before we ever apply a payment to principal. i said that's not what your web site shows. I don't believe that was the terms of the loan, and i believe you're applying the payment incorrectly. i was told, No, it's right. 

I don't believe this is correct, and I'd like my entire loan that i've been paying for close to 20 years is incorrect.. 



Payment Date Payment Amount Applied to Principal Applied to Interest Applied to Fees* Payment Type arrow right XX/XX/XXXX {$800.00} {$0.00} {$800.00} {$0.00} Electronic arrow right XX/XX/XXXX {$300.00} {$260.00} {$36.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$260.00} {$39.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$260.00} {$39.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$260.00} {$38.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$40.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$40.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$41.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$42.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$41.00} {$0.00} Auto Debit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: NH
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: Problem with personal statement of dispute

Complaint:
I have been working hard to raise my credit score to XXXX for 7 years, and was shocked this week when on my XXXX ( and other reports ) it had decreased XXXX points due to a transfer of a loan. 
Upon advice of the Department of Education, I refinanced my XXXX XXXX XXXX and switched it to XXXX. It is the same amount, but came up as a new loan and my credit score took an incredible hit. 
I was hoping to buy a home, and refinance my auto loan with my XXXX score ... but now it is down to XXXX with a loan that IS NOT new. It had just been transferred to another lender with the hope of the Student Loan forgiveness.

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 2023-07-29
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:
The Following inquiries Below reported are not mine. 
To the best of my knowledge, I have not signed any documents authorizing these companies to pull my credit, which means they are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

15U.S.C 1681 Section 604 A section 2 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 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 explanation
Consumer complaint received 2022-01-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Fifth Third Bank is violating my consumer rights by holding my private funds for a transaction that happened seven ( 7 ) years ago. This restriction on my account is a violation of 15 USC 1692 as well as 15 USC 1666d as the account and the balance thereof shall be handled according to the consumers discretion. I have notified them that I have been a victim of identity fraud and identity theft and any prior accounts were a result of this fraud and theft that has taken place. Fifth Third Bank shall release ALL my funds immediately in the same nature that it was deposited to my account and shall remove any restrictions to said account. As the account belongs to the consumer pursuant to 15 USC 1692h.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, I was seen in XXXX XXXX for the placement of a XXXX. On said date of service, I was provided with a statement which confirmed my responsibility would be XXXX dollars. I was once again seen in the office on XX/XX/2018 for XXXX  and XXXX XXXX  and was advised that my insurance would not cover the multiple elements of the XXXX  and they could finance the {$380.00} via a deferred interest plan for which I found odd since my XXXX XXXX covers 100 % of the cleaning in the past 42 years I have had the plan however I agreed. This {$380.00} has been since paid off. I received a statement from XXXX XXXX  a few months later stating that I owed the money for the XXXX  from XX/XX/18 as well as still owing money for the cleaning on XX/XX/18 which totaled {$630.00} even though I was provided a finance plan to pay and was completed with that total. When I contacted the provider, they were unwilling to listen to all the proof that they had confirmed no balance for XX/XX/2018 as well as the agreed upon amount for XX/XX/2018 being paid. I am providing said documents discussed above with this complaint. As an additional note to further prove the erroneous accounting system XXXX has, you will see on one of the documents I provide where XXXX applies the financed payment of {$380.00} to my XX/XX/2018 visit when in fact this was done on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX  XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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