BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-08
Company: U.S. BANCORP
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Opened a home equity line of credit w US Bank, upon trying to pay off and close out the loan, sell current property and purchase another property, the title company requires a freeze/block on the line of credit. US Bank has made it XXXX XXXX impossible to block/freeze the line. I have been on the phone w customer service every day since XXXX it is now XXXX and each time the agents tell you that it will be another two days, the process is a nightmare, no one will tell you their name, you get another name and another transfer- or get hung up on- it stems from the process the agent customer service XXXX and the XXXX back office not doing what they said they are going to do. I have spent XXXX on overnight packages, spent at least 20 hours on hold or on the phone with this and now two properties will not close if this is not rectified TODAY. ( 2 families will be HOMELESS all because of US Bank 's inability/ unwillingness to do what they say they are going to do ). As I type this I have been on hold for over 30 minutes- and have made 3 phone calls back to the manager who promised she 'd call me today to confirm- only to get voice mail! DO NOT use US BANK! the consumer is powerless. I was told by a manager yesterday after another day of waiting on the US bank process that I  would have a fax evidence of the block and she would call me to confirm this morning. I 'm being held hostage by agents, managers, XXXX back office and their process! I am concerned now that I am speaking to yet ANOTHER agent at least 10 so far that they will hit another button to push back the process again.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Trouble using my card, when it came to credit limits when I had my card they would give me credit limits of 50 or 100 at a time even after paying my balances in full, the Fees or interest they would charge was insane they closed my account after 6 years for a XXXX reason of too many returns but my bank account was compromised they never did a balance transfer and I cant get a settlement to be done with these ratchet people ... they claim they do n't do that and I even have cash back on a card which I cant use cause they closed my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Atlanticus Services Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Aspire credit card is calling me before XXXX XXXX and being hyper aggressive when they speak to me. I have made arrangements already and they call over 5 times ever day. I ask them to stop and I have to study for school and sleep during the day. I can not sleep. Please they will not leave me alone. Also the person on the phone said they will keep calling and never stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Fifth Third Bank not reporting my mortgage payment history to credit bureaus even though I am making monthly Pmts on time this has caused damage to my credit score! And has been going on for years! This mortgage was not included in XXXX bankruptcy the mortgage was reinstated! I have been making on time pmts since but this is not being reported to major credit bureaus 1972 fcra act started this incorrect and inaccurate and must be corrected!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: ECMC GROUP, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
ECMC is reporting negative information on all 3 credit bureaus. I have not made a payment in over 20 years and they will not remove themselves from my report resulting in me being turned down for mortgage and car loans. They put false information saying i made a payment in order to keep the information on my reports. There is a statute of limitations for reporting and after 7 years they are required to remove that information. I have disputed with all 3 bureaus only to receive a report back that ECMC claims all information is correct and it is not. I want them removed from reports immediately. I am prepared to hire an attorney.

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 2017-11-08
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a mortgage with Santander Bank that was refinanced with XXXX XXXX on XXXX/XXXX/XXXX. Santander Bank automatically withdraws the mortgage payment on the XXXX of every month, from my Santander checking account. Santander withdrew my XXXX mortgage payment on XXXX, XXXX/XXXX/XXXX totaling XXXX from my Santander checking account ( see attached mortgage statement ). My checking account is now overdrawn. I contacted Santander Bank yesterday XXXX/XXXX/XXXX and today XXXX XXXX/XXXX/XXXX and they claimed the payoff funds were not received until Monday XXXX/XXXX/XXXX the day the mortgage payment was withdrawn from my Santander checking account, and although my mortgage with Santander is closed they can not ( or will not ) return the XXXX to me for at least 10 business days, and via a check in the mail. This is unacceptable ; my checking account is overdrawn and I need money for daily and weekly expenses. I want the XXXX mortgage payment automatically returned to my Santander checking account immediately. In addition, the payoff from XXXX was higher than the ending principal balance of my loan with Santander and Santander says it will also take at least 10 business days to calculate the refund to me, at which point they will mail a check to me. Why so long? That is also ludicrous and I want to see that money come back to me as soon as possible. Because of the personal information in the XXXX refinance paperwork I am not attaching the file but can provide that paperwork if needed by BBB which shows that the refinance took place on XXXX/XXXX/XXXX. Thank you for your help with this issue!

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 2022-03-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 3 XXXX accounts reporting on my credit report all 3 opened XX/XX/XXXX Club XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX ONE SAYS STATUS CLOSED XX/XX/XXXX THE OTHERS REPORTING OPENED AND RUINING MY CREDIT I RECENTLY PAID THE 3RD PARTY CREDITOR OVER {$4000.00} TO BRING MY ACCOUNT UP TO DATE BUT ITS STILL REPORTING NEGATIVE. I DONT KNOW WHY IF IT WAS CLOSED AND PAID XXXX WHY ARE THEY STILL COMING AFTER ME. 
ALSO DIFFERENT NAMES AND ADDRESS AND FRAUDULENT ACCOUNTS ON MY 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 2019-06-24
Company: SYNCHRONY FINANCIAL
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 is missing that should be on the report

Complaint:
showing accounts that are paid but wont show up on my credit reports this has cause me harm without a reason doubt report the error or correct it they cant say it's not correct b/c I saved and printed fom their website XXXX, XXXX, and 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 2019-06-24
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have been calling my cell phone and work number constantly, I've asked them to stop and blocked their numbers but they keep calling from different numbers, even at work. They have been calling and speaking with coworkers and constantly calling my work number which I'm not even at. 

The name I was given was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Experian Information Solutions 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:
On XX/XX/XXXX, XX/XX/2021 I sent letters to the credit bureaus about some bankruptcies that where listed on the reports that wasn't mine. The time those bankruptcies were filed I was incarcerated and I sent documents to the bureaus showing that I was truly incarcerated and they told me that the bankruptcies were being verified by the Bankruptcy courts as verified. So I contacted the bankruptcy court and spoke with a XXXX XXXX she said they don't verify anything with the Credit Reporting agencies they are getting information from a company called XXXX she also said whoever filed the bankruptcies did it themselves no attorney was involved. I also contacted XXXX XXXX regarding acct # XXXX and they didn't respond at all. I disputed it with the Credit bureaus and they said it came back verified which couldn't be true.

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 2019-08-05
Company: Madison Management Services, LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Some company purchased note of my property of second lien. 
I had struggled financially and could not paid equity line and the note after almost a seven eight years was purchased by some one. 
They started threatening me to foreclose my property. Last year i have complained about them. They told me to apply for modification and they have added {$5300.00} of accrued interest and {$1400.00} in unpaid charges. making my principal go from {$47000.00} to {$54000.00} I have agreed to it thinking now i will have to pay $ XXXX monthly and they will be back off. 
Surprisingly, they came after me again after a year stating that forbearance agreement was only for a year and started threatening me again. Why i have agreed to pay them almost {$7000.00} in additionally. 
This is nothing but scam. This kind of practice must been stopped or looked. 
i am ready to pay whatever i have agreed to of {$250.00} a month for rest of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: WELLS FARGO & COMPANY
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
XXXX XXXX noticed unauthorized charges to Wells Fargo account. I called local police and have incident number. Officer 's report state account was closed in XXXX. I was told WELLS FARGO would take care of matters relating to this 8 year late notification with my name and incorrect address. I do not know this ID THIEF. 

Wells Fargo did nothing to help me. I never received any mail regarding unauthorized use of my name/ssn/address. The IDENTITY thief 's name was on all my credit reports with current debt collection agencies attempting to collect in my name. I 'm too old for XXXX nonsense. 

Wells Fargo did not follow legal procedures for additional account holders. No verification of ID or signature or presence in the bank. I would never authorize this thief. He continues to use my information which I 'm trying to clear from my credit reports. 
Wells Fargo took care of itself. Not the customer. I closed my account with them yesterday. Goodbye to them. Additionally, we called XXXX XXXX to place a fraud alert for XXXX XXXX and XXXX XXXX XXXX  Wells Fargo did not block them and we can not access them online or phone, long wait times and we do n't have accounts. XXXX XXXX transferred us to Wells Fargo Fraud, transferred us to Fraud Detection, THEY WERE THE RUDEST people we have had to consult with to resolve this matter. 

Additionally I have identity fraud for XXXX, XXXX and XXXX XXXX XXXX on my credit cards. Do these companies report to Credit bureaus? WELLS FARGO says I 'm guilty when they have no proof when I ask them to reverse the charges. I do n't have time for XXXX or XXXX. We notified the police about the skimmers at XXXX XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX, XXXX, CO. 

Something has to be done about these XXXX. This is very time consuming and disruptive to me and my family and work.

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 2019-08-06
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I submitted a dispute with Equifax as my XXXX XXXX XXXX  was reporting a missed payment on XX/XX/2015 that I had paid. I submitted my bank statement showing proof that the payment was made. Equifax reported that the payments were verified as reported correctly. And my dispute was ignored, since my dispute the account is now being reported XXXX on my credit report which has caused my credit score to drop XXXX points. And I was denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Experian Information Solutions Inc.
State: IA
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:
On XXXX XXXX XXXX I made my mortgage payment to XXXX in the full amount for XXXX payment. While it was after the XXXX, I acknowledged the late fee, however my report is reflecting a 30 day late. Experian refuses to update my credit report accurately even after disputing the information and providing documentation to prove on time payment. They opened an investigation on XXXX XXXX, XXXX after I reviewed my payment history and found that the payment information was incorrect. On XXXX XXXX, XXXX I received an email from Experian indicating my dispute results were ready. 

After reviewing my updated credit report, I found that the information had not been updated and Experian added a personal statement from myself stating " Completed investigation of FCRA dispute - consumer disagrees which was not approved by me. 

What is most troubling is that I submitted PROOF of on time payment and still the credit agency declined to update my credit report on top of adding a statement that is FALSE. I contacted my loan servicer on XXXX/XXXX/XXXX and they confirmed over the phone that they have been reporting on time payment for XXXX XXXX. They indicated that Experian did n't confirm the late payment information but only made a general request confirming that the reported information was correct which my servicer indicates they were reporting accurately the whole time. Experian should not be able to close an investigation with incorrect reporting when documentation is provided that proves otherwise. 

Experian has closed their investigation with incorrect information. XXXX, my servicer indicates they are n't reporting a late payment. I have submitted a credit report to my loan servicer, but need further assistance in getting this resolved as the credit reporting agency has closed my dispute and I ca n't dispute the same payment over again.

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 2017-11-08
Company: EQUIFAX, INC.
State: NC
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, I sent a letter to all three credit bureaus asking them correct errors that appeared on my credit report. Both XXXX and XXXX XXXX responded promptly, by mailing me corrected credit reports. Unfortunately, I have not yet received anything in the mail from Equifax. I am starting to be concerned because it has been almost two months since I mailed the request, and they were supposed to respond within 30 days like XXXX XXXX and XXXX did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 I sent a letter asking transition to enclose a method of verification regarding an alleged bankruptcy. On XX/XX/XXXX transition replied stating the item verified as accurate but not by who. On XX/XX/XXXX I sent another letter asking for another method of verification as they had not done so already. On XX/XX/XXXX XXXX sent me a letter stating the bankruptcy court verified the item. On XX/XX/XXXX I sent another letter stating the item in question needs to be deleted as they had verified it inaccurately. On XX/XX/XXXX they sent me a response letter stating it was still verified as accurate. On XX/XX/XXXX I sent a letter with an enclosed letter from the bankruptcy court stating they do not verify items with credit bureaus. XXXX has yet to respond to my requests after the letter was sent certified.

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 2017-11-08
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX/XXXX/XXXX, I received a mail letter from XXXX XXXX, notifying me that I had a late payment on my credit card account. I immediately made full payment which was owed on the same day. Then I applied for a home loan equity during XXXX XXXX, and was informed by my loan specialist that a late payment was posted on my credit report for XXXX. I immediately tried to dispute with XXXXXXXX XXXX, considering that the late payment happened in XXXX and I was not notified until XXXX, the same time with when they reported to the Credit Bureau. I also had auto payment set up on that account and it did not work. Even now, I had to manually make payment every month because the auto pay function is still not working. I tried to contact XXXX XXXX  Card member service twice and they only sent me a general response and kept asking me to give them more information, which I already did. I already made request twice to them that the false report has to be removed from my credit report. They did not want to acknowledge the fact that the had failed to give me proper notice within 30 days when the incident happened. I was not allowed the proper time to act on it. 
This false late payment report has hindered me from closing on my equity loan, which resulting in thousands of interest I had to incur during this 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed this account YEARS ago and continued to get XXXX balance statements. Finally last month I received a statement that had a small charge that had been reversed. I decided to call and find out why this account was evidently still open, even though I closed it YEARS ago. They said it was still open, I just received another statement. Saying my balance was XXXX. Minimum payment listed and everything. I am concerned that this company is refusing to close my account. Much like XXXX XXXX, they want a certain number of customers and accounts to look good on there business prospective. The name on the card is XXXX XXXX. My name before I married several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Ive attempted to call and email Net Credit to bring my loan account current. Net credit never answers the phone nor email me back. Net Credit doesnt have an option online to make payments or update automatic payment ACH information. Net Credit reported me 30 days past due and it made my credit score drop. I have worked hard to rebuild my credit and they need to fix the error. I do have emails to support that Ive tried contacting them. Please help me. Thanks

Company response to consumer: Closed with explanation