BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed an 'alert ' that there was a NEW credit INQURY placed on my credit reports on XX/XX/2018. This information was reported by a Company called XXXX. 
I contacted XXXX on XX/XX/2018 at XXXX. I spoke to XXXX at XXXX to let her know that I DID NOT authorize any credit check on my account. I was told by XXXX that the request was made by Wells Fargo Bank. I explained that I had NO Business with Wells Fargo Bank, I did NOT AUTHORIZE any transaction of credit from Wells Fargo Bank. XXXX told me she would issue a dispute. I NOW receive a letter dated XX/XX/2018 from XXXX on XX/XX/18 indicating " our client Wells Fargo '' ordered your credit report through XXXX that contained credit info based on each of the NCRA 's. We contacted Wells Fargo BANK NA and informed us that it accessed your credit report pursuant to your verbal authorization connection with a mortgage transaction '' I NEVER authorized Wells Fargo to run a credit report, I HAD NO MORTGAGE transaction current with Wells Fargo, the last MORTGAGE I had was over 10 years ago in the year of XXXX This is preposterous VIOLATION of the FCRA , and I also called Wells Fargo at XXXX, who gave me the run around. PLEASE look into this wrong full credit run from 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 2018-08-25
Company: CORELOGIC INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed an 'alert ' that there was a NEW credit INQURY placed on my credit reports on XX/XX/2018. This information was reported by a Company called CREDCO. 
I contacted CREDCO on XX/XX/2018 at XXXX. I spoke to XXXX at Credco to let her know that I DID NOT authorize any credit check on my account. I was told by XXXX that the request was made by XXXX XXXX XXXX. I explained that I had NO Business with XXXX XXXX XXXX, I did NOT AUTHORIZE any transaction of credit from XXXX XXXX XXXX. XXXX told me she would issue a dispute. I NOW receive a letter dated XX/XX/2018 from CREDCO on XX/XX/18 indicating " our client XXXX XXXX '' ordered your credit report through Credco that contained credit info based on each of the NCRA 's. We contacted XXXX XXXX XXXX XXXX and informed us that it accessed your credit report pursuant to your verbal authorization connection with a mortgage transaction '' I NEVER authorized XXXX XXXX to run a credit report, I HAD NO MORTGAGE transaction current with XXXX XXXX, the last MORTGAGE I had was over 10 years ago in the year of XXXX This is preposterous VIOLATION of the FCRA , and I also called XXXX XXXX at XXXX, who gave me the run around. PLEASE look into this wrong full credit run from CREDCO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt I believe occurred in XX/XX/XXXX/XX/XX/XXXX however has reappeared on my credit report showing a XX/XX/XXXX start date. I disputed the debt through the credit bureau 's but they supposedly received enough info to say it was my debt. I have never received any information and know this has been a collection item for many years at this point. It is illegal to re-age the debt in attempts to collect the debt. I have requested information from the agency but have not received anything to date. I have found one bill going back to XX/XX/XXXX regarding this debt so there is no way the XX/XX/XXXX report date is the origin.

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 2018-06-27
Company: RAB PERFORMANCE RECOVERIES, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
1. I am not certain what or how I came to owe this company.

2. The address listed in the complaint is more than 20 yrs old XXXX XXXX XXXX XXXX, XXXX NJ and the filing date was XX/XX/12 at which I was at my current address at XXXX XXXX XXXX XXXX XXXX, NJ XXXX 3. I have tried to contact this company but can not pin down a viable telephone number or address.

4. This was filed in XX/XX/2012 and I filed for Bankruptcy on XX/XX/2012, so it should have been included, but does not appear except some where of public servers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
i was told that there is noting thati can do once i let one company check my credit they an use as many companys as they want to and i filed bk they should remove some of the creditor that i apply for

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XXXX via telephone, I requested XXXX XXXX XXXX to decrease my finance rate noted on my XX/XX/XXXX statement to be 14.24 %, I spoke with rep named XXXX and informed that I have good credit score, never late, never over balance and have other credit cards with finance rate as low as 9.99 %. XXXX did decrease to 7.99 % finance rate until " XX/XX/XXXX '' with confirmation # XXXX. After that time, XXXX said that I could call back to get my finance rate decreased again. Per my XX/XX/XXXX statement, my finance charge is now 14.74 %, which is an increase from what it was back in XX/XX/XXXX. On XXXX via telephone and after a hold time of 27 minutes, I requested that XXXX decrease my finance rate again. The rep, XXXX, said that they can decrease only to 12.99 %. I asked why the finance rate increased even MORE than it had been before my first request to decrease it and she said " there was a federal Prime Rate increase. '' She could not tell me the amount of the Prime Rate increase. I explained that I have a very good credit score, never pay late, pay more than minimum each month and have never gone over my balance amount AND have other credit cards with lower finance rates as low as 9.99 % that have NOT had an increase in finance charge. I check transactions each week and statements each month for every account that I have. My complaint is that it appears that XXXX is taking advantage/capitalizing on and penalizing of those with good credit scores and payment history by applying less than fair finance rates, knowing that a consumer will not close an account as this could negatively impact their credit score. I have a " very good '' credit score per XXXX > XXXX, with " exceptional '' payment history and " good '' debt. The XXXX rep said that the best she could do was decrease my finance rate to 12.99 %, and when I asked she answered that this was effective immediately and only until XXXX. It seems that XXXX has deviant or perhaps even unethical practices ( increasing credit scores to whatever they want and without sending the consumer official notice ) with taking advantage of those with good or exceptional payment history and very good credit scores knowing that they will not close their account as that could cause a negative impact on credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions 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:
These are not my accounts. 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 2018-08-19
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid through payroll deduction from my job and they are telling me they didnt receive the full amount which is a or My credit report is saying I owe XXXX dollars and when I call XXXX XXXX they say I owe over 600 dollars but the balance has been paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Portfolio Recovery is repeatedly calling my phone, sometimes 20x a day, and they are spoofing their phone number to come up as random businesses like XXXX XXXX from Illinois, even though they are actively trying to collect debts. They're doing this with the express intent to defraud consumers who should have the right to know the name of the actual business calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt was written off by original creditor and sold to a third party interloper without my verbal or written consent which is a violation of the FDCPA and consumer protection laws.

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 2020-08-20
Company: CREDIGY USA CORP.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My vehicle loan was being serviced by XXXX XXXX  XXXX XXXX   XXXX 'XXXX  ( XXXX ). I received statements from the company up till the middle of XX/XX/2020. On XX/XX/2020 I sent a payment through XXXX XXXX for the amount of {$410.00} as i typically would. On XX/XX/2020 i called XXXX and they advised me that they no longer serviced my account and it was sent over to another company by the name of White Coast. I was given a phone number to White Coast. I called White Coast and they told me that my account was being serviced by XXXX. For the week and a half I've been in contact with both company 's, XXXX and White Coast, and they both are telling that don't service my account and I have to call the other. No one from either company can tell me who is servicing my account. I have not received any form of letter from either company explaining to me the status or the update of my account. I was never provided any type communication of whom bought my account or that it was turned over to another company. I've reached out to XXXX and the only response that i get is to call White Coast. I then spoke with a Supervisor by the name of XXXX whom works for the company Credigy Solutions. Credigy is a contracted by Whitecoast Trust to service clients over the phone. XXXX stated to me that she would reach out to her analyst to find out if the account is with Whitecoast or XXXX. I called back and when XXXX was available I would speak with her briefly and she told me that i had to call another phone to XXXX XXXX. I called XXXX XXXX  and they told me that XXXX has my account and then just transferred me to XXXX. I just keep getting pushed around to someone else. No one can tell who has my account. White Coast Trust has not sent any communication and the customer service line in unhelpful. XXXX has advised that they sent my payment of XXXX XXXX XXXX on XX/XX/2020. I have no account number for Whitecoast but customer service is able to locate me through my ph # and my Social Security Number.I was provided this address for White Coast by the customer service agents at Credigy. White Coast Trust Address : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX DE, XXXX. Only ph # is XXXX. I can not find any information about White Coast Trust online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: LoanCare, LLC
State: TN
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:
My loancare keep reporting false information to credit reports. These false reporting cost me jobs and personal and car loans. I have only 4 or 5 on time payment past 2 years reported which is false. Update correctly loan balance they got XXXX or XXXX + on credit report but XXXX on website and paper work XXXX. XXXX XXXX paid. 
XXXX paid. XXXX paid XXXX paid. XXXX paid XXXX paid. XXXX paid XXXX paid. XXXX paid. 
XXXX paid. XXXX paid XXXX paid XXXX paid XXXX paid

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 2018-09-13
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: Account status incorrect

Complaint:
XX/XX/2018 XXXX XXXX sent me a letter stating the total amount owed was {$0.00} this has not been updated on my credit report. I have disputed this item and it has not been resolved it still shows negative information. this account is settled and paid completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I called TD Bank where the account was fraudulently opened at and told that they would be immediately freezing the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am submitting this complaint, because since I've bought my house in XX/XX/XXXX I feel that Lakeview loan services has mishandled my escrow accounts. As a result I've owed almost {$2000.00} in property taxes in XX/XX/XXXX, and XX/XX/XXXX. Each time I was given less than 30 days to pay this amount. In addition my mortgage payments have risen over {$150.00} and may rise as much as {$300.00}. Below is a chronological description of the past 2 years, and the reason why I feel that a complaint is warranted. 

What you won't see is the supplemental tax that I paid in XX/XX/XXXX which was approximately {$1900.00}. You also wont see the mortgage increase from XX/XX/XXXX 0f approximately {$40.00}. 

Lakeview loan services sent me a notice that I have an Escrow Surplus/Shortage of {$1900.00}. On a statement that was sent to me I see an escrow shortage of {$300.00} in the month of XX/XX/XXXX. As of XX/XX/XXXX the same statement shows an escrow balance of {$800.00}. 




In XX/XX/XXXX my insurance will rise from {$740.00} to {$960.00} In XX/XX/XXXX property taxes will become due in the amount of {$3500.00}. 




Lakeview loan services is telling me I have a escrow shortage of {$1900.00}, and if I pay that shortage my monthly mortgage payment will also rise from {$2200.00} to {$2400.00}. My monthly escrow contribution will then rise from {$550.00} to approximately XXXX. 




As of XX/XX/XXXX when I make my mortgage payment of {$2400.00}. take from that XXXX for escrow. I will pay {$1900.00} that Lakeview is saying that I must pay to keep my mortgage from going up to {$2500.00}. When I factor in the balance that I can prove on the statement of {$800.00}. All total that will put my escrow balance at {$3300.00}. Out of the {$3300.00} Lakeview loan services will pay my insurance of {$960.00}. My balance will fall to {$2400.00}. 




My next escrow disbursement will be in XX/XX/XXXX. It will be for property taxes. From my XX/XX/XXXX through XX/XX/XXXX I will make my mortgage payments Each of those months will yield {$670.00} for a total of XXXX. When I total that amount with the {$2400.00} it comes to {$5700.00}. 




In XX/XX/XXXX Lakeview loan services will disburse {$3500.00} to property taxes on my behalf. from the last paragraph Balance of {$5700.00}. That will then leave a balance of {$2200.00}. 




From XX/XX/XXXX through XX/XX/XXXX I will continue to make monthly mortgage payments of {$2400.00}, yielding {$670.00} per each of those months. That comes to a total of {$2700.00}. When added to the {$2200.00} mentioned in the last paragraph the total becomes {$4900.00}. 




The XX/XX/XXXX disbursement to property taxes made on my behave by Lakeview loan services of {$3500.00} that will leave an overage of {$1300.00}.

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 explanation
Consumer complaint received 2018-06-20
Company: Direct Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Arrangement Department Direct Recovery Services XXXX XXXX XXXX Multiple calls to family members and people at my old address which I had not phone number on file with Leaving long messages in detail about any debt I owe, and calling at all hours of the day. Screenshot of friend who received a very long and detailed message at my old address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
We filed Chapter XXXX on XX/XX/XXXX. Toyota was included in ChXXXX and was paid in full through BK. They are reporting a balance due after the filing date and the discharge date of XXXX and 'late ' payments in XX/XX/XXXX. The 'balance due ' is the inflated interest they were trying to charge us prior to filing ChXXXX. 
Toyota is undermining our credit and enabling themselves report further into the future. 
Attached are screen shots from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: Old Republic National Title Holding Co.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Good morning, I applied for a HELOC loan with XX/XX/XXXX. When I applied for the loan, XX/XX/XXXX asked me pay off two credit card balances XXXX XXXX and XXXX XXXX. 
The balance of the chase credit card was {$9000.00}. When I received the check from Old Republic Title, I went to the bank to pay off the balance, but they didnt received the check because the balance by the time was ( {$7700.00} I had paid days before {$1300.00} ). I called Old Republic Title and the representative asked me to void the check and she will send me another one for {$7700.00}. I received the check, went to bank and paid off the balance. 
The issue was, Old Republic Title didnt update this change to XXXX, they didnt update the amount of money paid was {$1300.00} lower and I am paying ( still ) the original amount of {$9000.00}. 
I made many complains to USBank including two complains to CFPB. Finally, I understood the mistake was not made by XXXX but Old Republic Title. 
I am requesting to refund {$1300.00} + Interest paid. 

Old Republic National Title. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted.XXXX XXXX XXXX-this account doesn't belong to me. Please delete. 


XXXX XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXXXXXX XXXX XXXXXXXXXXXX this account doesn't belong to me. Please delete.

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 2019-02-23
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2018, the day before my mother died, I made a purchase in the amount of {$100.00}. Due to the stress and attention required to settle my mother 's estate, I was three days late paying the amount in full. I asked for leniency due to the circumstances. I continued to ask for late fee to be reversed ; I am now being charged fees and interest on that original late fee. I am getting at least a half dozen phone calls a day - which I consider harrassment - from XXXX XXXX. I paid the balance I owed. They could very easily have forgiven the original late fee. This was a new account and I only made this one purchase with it.

Company response to consumer: Closed with non-monetary relief