BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-03
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
There data breach has put my information into XXXX XXXX databases, and serveral breaches which has limited my XXXX career because I have never been a member of XXXX XXXX or its websites. My Employment has been severly limited by there irresponsibility.How can I pass a competative credit check for a job with these alerts?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018 we made a church deposit in the night drop at Wells Fargo Bank. After counting the deposit it was placed in a bank bag along with the deposit slip and supporting documents detailing what was included in the deposit and it was initialed by 4 Church Officers.  The bank teller crossed out the four {$100.00} listed on the slip and changed our deposit without making contact with anyone at the church. When I reached out to the bank regarding this change, I was told that the teller balanced and so therefore there was nothing more they could do. I explained our procedure - that after counting the monies, they were placed into a bank bag, sealed and 2 Trustees go make the deposit ; so something had to have happened at the 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 2018-04-22
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just pulled my credit and noticed there was a collection account listed on XXXX and XXXX for XXXX XXXX XXXX. This original debt belonged to XXXX XXXX which is a cable company. 

I moved from my apartment to a house in XX/XX/2017. I could not transfer the service because they did not provide service at my new residence. When I cancelled I had equipment I needed to hand in and I had a final bill. I went to their XXXX, VA store and dropped of the equipment. I told them I wanted to pay my final bill as well but the representative told me he could not tell me how much was owed since the equipment was still showing on the bill. He advised me that they would send me a final bill and I provided him with my new address which he appeared to enter into the system. 

I never received a bill and quite honestly, I completely forgot about it. My mail is forwarded from my previous address so even if they did not properly update my new address, I still should have received the forwarded mail. 

To date, I have never received a final bill from XXXX XXXX and I have never received ANY correspondence or phone calls from XXXX XXXX XXXX. 
Do I owe the debt? Yes! Will I call the cable company and pay it? Yes! BUT, I should not have this reported on my credit report when I did not receive a final bill and never received any correspondence or any communication of any kind from the collection agency.

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 2018-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : CAPITAL ONE Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This Complaint is in tended as follow up to FTC Request Number XXXX, submitted on XX/XX/XXXX, wherein I have requested that my Experian and XXXX credit files be permanently expunged. Both Experian and XXXX have elected to become complicit in mail fraud and mail tampering in the furtherance of mail fraud by steadfastly persisting for two and-a-half years now in listing a fraudulent debt reported by the collection agency in question, Professional Debt Mediation, which has violated Florida State law in its handling of the debt upon being assigned to it by XXXX XXXX XXXX on XX/XX/XXXX ( XXXX Account # XXXX ) and then proceeded to deliberately violate Federal Law by engaging in both systematic mail fraud and mail tampering to cover it up. Despite notifying me about the debt on XX/XX/XXXX via First Class U.S. Mail at the new address I had moved to in XXXX, Georgia on XX/XX/XXXX, when I disputed the debt via email on XX/XX/XXXX, the creditor responded on XX/XX/XXXX -- more than two full months after initiating collection activity against me without the 30 days prior notice to my last known address via Certified Mail of its intention to impose a claim on my deposit required by Florida Statute 83.49 ( 3 ) ( a ), which further specifies that the creditor must refund my deposit before initiating any collection activity against me in such a circumstance ( www.leg.state.fl.us/statutes ) -- by generating a fake Certified Mail notification to my previous address in XXXX, Florida ( USPS XXXX # : XXXX ). The creditor then further exacerbated its willful perpetration of mail fraud by intercepting the Certified Mail notice with the help of the Postal Carrier for the route on XX/XX/XXXX in an effort to prevent me from finding out about it, since my mail ( including all Certified Mail ) was set up with the U.S. Postal Service to be forwarded on a permanent basis to my new residence in XXXX, Georgia, as of XX/XX/XXXX. Despite the endless obfuscations of the creditor and collection agency in question regarding this fraudulent debt, it should be palpably clear that they deliberately violated Federal Law by engaging in willful mail fraud and mail tampering in their handling of the debt, which can only have been instigated to cover up their failure to comply with Florida Statutes in the handling of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX. The amount is inaccurate because I have paid the balance in XX/XX/XXXX but it hasn't been updated since XX/XX/2018. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, 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 2018-04-22
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
Experian credit reporting bureau has not removed incorrect negative account information ( late payment ), despite the fact that I have provided Experian with correct account information ( no late payments ), that was provide to me by the creditor : XXXX XXXX XXXX. 

Credit Account Reported : XXXX XXXX XXXX, Credit Account Contact : XXXX XXXX XXXX, XXXX, OH 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 2019-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
To whom this may concern, XX/XX/2015 I cosigned for a car loan for my mother. She had the car for over a year and could not keep up with the car payments and therefore returned the car back to the dealership. This car loan is continually showing up on my credit report as ( closed ) but It is also showing up every month as if we are missing payments and it appears as if the loan amount continues to go up. My problem is that this should no longer show up on my credit report and needs to be removed as the car has been voluntarily returned to the dealership and we owe nothing as of this day. This is continuing to hurt my credit scores payment history and derogatory marks section and I need this to be removed as this situation has already been taken care of. 

Also, the issue I am having with XXXX  XXXX  XXXX is the same issue. I voluntarily gave the car back and they continue to call me a ding my credit for a car I returned. Not only did the dealership receive my car but I signed a voluntary repossession form and gave it back to them. This should no longer report on my credit score as  delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: DIRECMANAGEMENT, 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:
To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For XXXX XXXX  and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a Business Advantage Checking account on XX/XX/2018 with a sign up bonus offer. The offer was to deposit {$5000.00} and make 10 electronic transactions, to receive a {$500.00} bonus. I believe the promotional code was XXXX. Upon completion, I received only {$200.00} on XX/XX/2018. I have made several calls to the company, both the local branch and main telephone number. They opened up " investigations '' with a promise to call back. I never received any calls back, nor the rest of my bonus.

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 monetary relief
Consumer complaint received 2018-04-22
Company: Experian Information Solutions 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:
XXXX is reporting a single late payment over 7 years old to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is against Wells Fargo. Our mother passed away on XX/XX/XXXX. Payments were made until hurricane Katria in XX/XX/XXXX. The  loan is currently in foreclosure and is being handled by XXXX XXXX.  The Lis Pendens was filed on XX/XX/XXXX and my siblings and I were served on XX/XX/XXXX. On XX/XX/XXXX I contacted the law firm and requested reinstatement figures good thru XX/XX/XXXX. On XX/XX/XXXX i received a reply from the law firm stating they would escalate the matter and contact Wells Fargo. On XX/XX/XXXX I received another email from atty office, stating figures come from Wells Fargo. I immediately made contact with Wells Fargo and was told they did not have permission to speak with me or any of my siblings. I explained to the rep that my name as well as my siblings are listed as an interested party in the Lis Pendens, which she stated she did not see and asked that I fax the document to her. She state there was a list of questions that she needed to ask me ; I completed the questions via phone. I faxed her a copy of the Lis Pendens on XX/XX/XXXX. I called on XX/XX/XXXX to f/u on the status of the reinstatement figures, was told to allow more time. Rcvd letter from Wells Fargo dated XX/XX/XXXXagain stating to allow more time. As of today no figures, atty fees are accruing when we would have liked to reinstate the loan by XX/XX/XXXX. While i understand Wells Fargo has their protocol to follow before releasing info, they accepted payments knowing our mother was deceased and now that we want to reinstate they are not releasing information. The unnecessary additional attorney fees and cost should not be on us as we have made every attempt to obtain reinstatement figures. Please help us obtain reinstatement figures to save our mother 's home. We have a sister that has moved from XXXX as of XX/XX/XXXX and is currently living in the property. Our desire is to keep the property.

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 monetary relief
Consumer complaint received 2018-10-06
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:
Disputes on XX/XX/XXXX and XX/XX/XXXX regarding XXXX. 

I disputed an account that does not belong to me 3 times. I asked for the investigation results to be mailed with the evidence showing that this is my account. 
I received a letter explaining how they will update my information to reflect my name, address and phone number but nothing showing how they came to their conclusion. The phone number, address, and name is not me. I ask the credit bureau to send me the results with evidence but nothing was provided to me. They keep disregarded my requests every time I called to inquiry. 

I kept asking the Credit Bureau to show me my signatures of any contract with XXXX. They refuse to send me anything. 

The name, phone number, address is incorrect and they will not mail me the evidence they obtain to come to their conclusion.

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 2018-10-06
Company: EQUIFAX, 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:
Disputes on XX/XX/XXXX and XX/XX/XXXX regarding XXXX. 

I disputed an account that does not belong to me 3 times. I asked for the investigation results to be mailed with the evidence showing that this is my account. 
I received a letter explaining how they will update my information to reflect my name, address and phone number but nothing showing how they came to their conclusion. The phone number, address, and name is not me. I ask the credit bureau to send me the results with evidence but nothing was provided to me. They keep disregarded my requests every time I called to inquiry. 

I kept asking the Credit Bureau to show me my signatures of any contract with XXXX. They refuse to send me anything. 

The name, phone number, address is incorrect and they will not mail me the evidence they obtain to come to their conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
this account belong is a fraudulent its not mine belong someone else I didn't authorize to this merchan DISPUTE XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$440.00} Balance Updated - Credit Limit - Past Due Amount {$440.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Joint Account Original Creditor XXXX XXXX XXXX - Original Amount {$440.00} Comments

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 2019-02-03
Company: FC HoldCo LLC
State: VA
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:
To whom this may concern, XX/XX/2015 I cosigned for a car loan for my mother. She had the car for over a year and could not keep up with the car payments and therefore returned the car back to the dealership. This car loan is continually showing up on my credit report as ( closed ) but It is also showing up every month as if we are missing payments and it appears as if the loan amount continues to go up. My problem is that this should no longer show up on my credit report and needs to be removed as the car has been voluntarily returned to the dealership and we owe nothing as of this day. This is continuing to hurt my credit scores payment history and derogatory marks section and I need this to be removed as this situation has already been taken care of. 

Also, the issue I am having with XXXX XXXX XXXX is the same issue. I voluntarily gave the car back and they continue to call me a ding my credit for a car I returned. Not only did the dealership receive my car but I signed a voluntary repossession form and gave it back to them. This should no longer report on my credit score as delinquent

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 2018-02-23
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I opened an account at Webster Bank. As part of a promotion, "XX/XX/XXXX-XX/XX/XXXX {$350.00} '', after opening the premier checking account with a {$500.00} deposit, and making a direct deposit of {$500.00} or more by XX/XX/XXXX, I was to receive the {$350.00}. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I made direct deposits of more than 500.. I was supposed to receive a {$350.00} bonus, credited to my checking account. The bonus was to be paid by XX/XX/XXXX. I did not receive the payment by XXXX.despite the fact that I met the requirements. I called customer service at Webster bank over 12 times, and got nowhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-07
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
after hurricane Irma I was given 3 months no payment to be added at end of mortgage. due to state of emergency. when I went to pay my XXXX mortgage it stated I was three months late. I contacted company to ask why. They stated they were told they did not have to honor that agreement and I had to pay 4 months now all at once.my job relocated after hurricane & house was for sale. closing XXXX/XXXX/18. they have ruined my credit and lied. we were in a disaster and company never notified me that they were not going to honor the agreement to thousand of people not just me. I want credit fixed and them to honor agreement and let me pay my XXXX and XXXX payment. & restore my credit so I may buy in area I work in now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: CAPITAL RESOURCE MANAGEMENT, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
From XX/XX/2018 - XX/XX/2018 they have contacted me anywhere from 40-50 times. 

They have accused my co-workers, my self and other associate with me of all sorts of allegations.

They have contact my wife and family members about this allege debt.

This is not my debt and I want the harassment to stop.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Been charged XXXX per month for my loan spoke to XXXX about updating my information and to apply for idr. Was on the phone with XXXX XXXX which i have documentation of and was told my payments would be revised to about 200.00 dollars and my name change was corrected just had to fax paperwork which i did. Next month exepect to make my first XXXX dollar paument and recoeved a bill for another XXXX. Called again and was told they had no record of any call and did not recieve any information to change my loan repayment or my name and was hung up on!

Company response to consumer: Closed with explanation