BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: EQUIFAX, 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was sued by Hunt and Henriques Attorney firm and they got a judgement to levy my bank accounts. I have never received anything from this company before. The original creditor is XXXX  XXXX/XXXX   credit card. Then XXXX XXXX bought the debt and hired Hunt and Henriques to collect the debt. I received the judgement in the mail on XX/XX/XXXX. It states it was mailed on XX/XX/XXXX. The amount of the debt is {$2000.00}. The Statute of Limitations applies to this case. This account is Time Barred. The account was opened in XX/XX/XXXX. The last payment was received by the company on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Experian Information Solutions 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:
identity theft these accounts do not belong to me XXXX XXXX opened XX/XX/XXXX {$19000.00} XXXX XXXX   opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX {$430.00} XXXX XXXX XXXX opened XX/XX/XXXX {$1200.00} XXXX XXXX opened XX/XX/XXXX {$11000.00}

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 2019-04-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Good day : I closed my XXXX XXXX card ending in XXXX, provided by Synchrony Bank, on XX/XX/XXXX. After closing the account, they promised to waive the {$95.00} annual fee within 1-2 billing cycles. 

It is now XX/XX/XXXX, and the account is now considered delinquent with various late charges and interest charges. I have called on four separate, recorded phone calls asking them to honor the fee waiver like they promised. Each time they agreed with my situation and promised to take care of the annual fee and any associated fees. Still no action is taken despite repeated promises and written notices on my account stating the fees would be waived. 

Synchrony Bank has shown a high level of incompetence in handling my case. The balance has now shown up on my XXXX and XXXX  credit reports. Please help me before it's shown as a delinquency and harms my credit score. 

Thank you for your time. Have a nice weekend. 

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 monetary relief
Consumer complaint received 2019-04-06
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: Personal information incorrect

Complaint:
While using XXXX credit report ( transunion ), I saw that my address was updated to one that is not mine, an account was opened that was not mine, and an inquiry was made by a bank I don't use.

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 2019-09-04
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I received an initial dunning letter from Asset Recovery Associates for a XXXX credit card in the amount of {$21000.00}. This account does not appear on my credit reports going back many years as I do not use credit cards. On XX/XX/XXXX I sent ARA a Debt Validation/Cease Communications letter via certified mail with return receipt. They received the letter on XX/XX/XXXX. On XX/XX/XXXX I received a second dunning letter with interest added to the balance. I researched the company and learned they were a debt buyer who acquires long out of statute debt which they then try to collect. On XX/XX/XXXX I sent a second Debt Validation/Cease Communications letter via certified mail with return receipt pursuant to the California Fair Debt Buying Practices Act. I received the return receipt one week later. 

Since then the company has never sent me a copy of a judgement as indicated in their letters, nor the documentation I requested that is required by law including a copy of the contract, date of default, breakdown of principal and interest, chain of assignment, etc. Additionally, their letters lack the required disclosure : The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency. 

Instead the company has been harassing me for more than a year with a bombardment of phone calls to my land line and cell phone after I twice had asked them to stop. Between XX/XX/XXXX and XX/XX/XXXX the company has called me more than 200 times, as many as 6 times per day and past XXXX. Each time they call they hang up without leaving a message. Also, they call my landlord and hang up on her without leaving a message. The company uses caller ID spoofing to conceal their actual phone number as well as robocalls with misleading messages purporting to be from the IRS, XXXX, XXXX, etc implying my account has been charged or compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 a few accounts listed on my credit report and inquiries that I did not authorize. Please remove them.

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 2019-07-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
IhaveanaccountwithCitizensBankandhavehadthisaccountfor5+years.Ihadahousefireafewmonthsago,andmyhouseiscurrentlyunderrepairssoicanmovebackin.Whentheinsuranceclaimwasdisburseditwassenttomymortgagecompanythengetsreleasedinportionsaddressedtomeandmycontractor.AllhasbeenfineuntilnowwithCitizensBank.IwenttothebranchwiththecheckandthetellertoldmetoendorsethecheckFORDEPOSITONLY.ifollowedherdirectionanddepositedthecheckintheATMsothaticouldgetacopyofthecheckonmyreceipt.thenextdaythecheckwasnotclearedandaholdwasplacedonthefunds.Icalledcustomerservicenumeroustimesandnoonecouldgivemeaclearanswerastowhythiswashappeningtome,nottomentionTHISWASTHE2NDCHECKdepositedforthisinsuranceclaim.Thenireceivedalettersayingtheywouldholdthefundsfor45days!icalledagaintodayandwastoldthattheywillnotbeclearingthefundsduetoendorsementissues!theywillnotreturnmychecktomeandIcannothavemyfunds!HowcanabanknotcashmycheckandWILLNOTGIVEMYCHECKBACKTOME?Nowi'm2weeksoutwithoutthefunds.Ihadtocallthemortgagecompanystoppaymentonthecheckandre-releaseanotheronetome!
thishasbeentheworstinconvenienceever!ThecontractorsstoppedworkingonmyhomeatthispointbecausetheycanNOTGETPAID!ihavetomoveoutofmytemporaryhousingattheendofthemonthandIcan'tevengetmyhousecompletedtomovebackin,duetoCITIZENSBANK!MyfamilyandIwillnowbeXXXX!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
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:
IM A VICTIM OF IDENTITY THEFT THIS ACCOUNT IS FRAUDULENT I HAVE NEVER OWNED A XXXX   CREDIT ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
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: Was not notified of investigation status or results

Complaint:
I have requested for verification of debts, and all 3 credit bureaus failed to verify my debts, and they have also failed to remove the items from my reports, and I have notified them they are in violation of the law. They refuse to do anything about it. I've sent each credit bureau numerous certified letters, with return receipt, outlining what accounts I was asking for verification on. They responded back, but they did not verify the debts or remove them.

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 2019-07-22
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
edfinancial.com - the site has been showing broken links for at least 10 days now. This was reported to them by a XXXX user on XX/XX/2019 and they responded they were aware of the issue. 

I contacted them as well via their website and they gave the same response last week. 

The problem has yet to be fixed and I do not feel safe logging in and making a payment if they don't seem to care their site it broken. 

THIS IS DELAYING MY PAYMENT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
( I already posted the text of this complaint as a reply to a resolution of a separate complaint about a related issue which was that escrow tax payments were made to the wrong account -- However because that complaint is listed as " closed '' I want to make sure this next issue is also addressed quickly as it seems to be a very time sensitive matter. ) The company sent me a letter assuring me that the lot number has been corrected and that the mis-paid funds have been replaced into my escrow account. I've checked on my online account and I'm satisfied with all these corrections. However, on the same date as the letter from the company which finally addressed these issues, I received a call from my insurance company telling me that my insurance bill has also not been paid. This is shellpoint 's responsibility and again they have completely dropped the ball. The insurance company sent me a bill now for {$1900.00} with the deadline of XX/XX/XXXX or my insurance policy will be cancelled. I do not have this kind of money on hand to pay this bill. But I also fear that Shellpoint will move too slowly to pay the bill. Please, if you are reading this, it is time to escalate this issue and get my insurance bill paid immediately!!! The insurance company 's name is XXXX XXXX XXXX and my understanding from them is that they are also reaching out to you. Please make it easy for them and me and get this taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Sunday, XX/XX/XXXX, I received a text from Huntington Bank about a possible fraudulent charge. The transaction was declined. I went online to look at pending charges and found two transactions before that had been charged to my account that were fraudulent charges. The Transaction dates were on XX/XX/XXXX and XX/XX/XXXX. I called customer service immediately. The customer service rep on the phone agreed that it was strange the charges were done on the East coast ( a place i have never been. ) They claimed they could not do anything till the transactions had hard posted. They also said they would immediately send me a new card. I was a bit on edge, because another credit card of mine had fraudulent charges a few months ago ( discover ), but the fraud charges were immediately taken off. It was a simple process that was resolved within 5 minutes of me calling. It seems Huntington Bank was going to put me through a lengthier process. They claimed this process was similar to another big bank. 

I kept being persistent and kept calling customer service. On Tuesday, XX/XX/XXXX, the transactions had finally hard posted. I called and they put me the fraud department. They said i would probably receive a provision credit within a week and that they would immediately send me paperwork to fill out. 

The current date is XX/XX/XXXX. I have checked the mail every day and have found no credit cards or fraud dispute papers. The fraudulent charges are still on my account. Everytime i call, the company seems to give me the run around and is prolonging the process. All the paperwork, replacement card, provisional credits, issues of resolve have not processsed at all. There is nothing, but silence from the part of Huntington Bank. 

the fraudulent charges ( which the customer service reps seem to acknowledge is fraud ) are posted on post date XX/XX/XXXX trans date XX/XX/XXXX Wawa XXXX XXXX XXXX , FL reference number XXXX for {$100.00} post date XX/XX/XXXX trans date XX/XX/XXXX XXXX XXXX XXXX XXXX, FL reference XXXX for {$99.00} the third fraudulent charge that was not processed matched the XXXX XXXX above. They acknowledged that was fraudulent, but refuse to do anything about the ones that have gone through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 checked my personal credit report, which I acquired from your organization on TransUnion Report XX/XX/2023 and I noticed that this Inquiries had been made

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: WELLS FARGO & COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Applied for Wells Fargo credit card, on line account opened, unable to check account and use for balance transfer, spent hours on phone with customer service and get the run around. Website mobile app down, unable to see my account or use it. I should as a consumer access account. I want to cancel card but it will affect credit score, hard inquiry. I want it removed fully like I never applied for it, a consumer should be protected from fraud and not being able to access account, yet a card was sent and no help from wellsfsrgo. Please help and tell me what I can do to get rid of this night mare. Never had any issues with credit until well fargo, other consumers have same 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 2022-10-04
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Wells Fargo for taking adverse action with forethought and malice. 

I sent Wells Fargo a billing error notice ( A copy attached ) via Postal mail which was delivered on XX/XX/XXXX, through Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, Wells Fargo reported to XXXX ( Copies attached ) on my consumer report as the Account is 150 days past due. Wells Fargo has not mailed or delivered me a written acknowledgment, nor complied with the appropriate resolution said in 1666 Title 15 or 12 CFR 1026.13.

According to 15 USC 1666a ( a ) REPORTS BY CREDITOR ON OBLIGORS FAILURE TO PAY AMOUNT REGARDED AS BILLING ERROR After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.

Furthermore, in 15 USC 1666 ( e ) EFFECT OF NONCOMPLIANCE WITH REQUIREMENTS BY CREDITOR Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.

Wells Fargo is in clear violation of 15 USC 1666 et seq and has now forfeited any rights to collect the amount indicated in the billing error notice. 

Thank you.

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 2019-07-22
Company: NATIONWIDE EQUITIES CORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I wrote Mr XXXX XXXX at Nationwide equities corporation that I wanted to cancel the loan process we had started. He replied saying he would take care of that. It has been 34  days and he still has not sent me a letter of cancellation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was notified that in XX/XX/2021 there was a account with XXXX XXXX that was unpaid under my name that does not belong to me. I opened up a dispute with both experian and XXXX about this account that didnt belong to me. I got notification that my dispute was closed because XXXX confirmed the information is accurate. Each time I have spoken to the fraud department at XXXX they have not been able to tie any open accounts to my name or social so I dont understand how they are able to verify this inaccurate information. My credit score is clean and I have not defaulted on any of my payments in the past. This inaccurate report is affecting my credit score and report and I cant seem to get it taken care of appropriately.

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 2018-11-13
Company: Experian Information Solutions Inc.
State: WA
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 have disputed the late payments report on XXXX XXXX XXXX The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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