BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: Bread Financial Holdings, Inc.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We submitted papers for a wire transfer. My husband put his name as the beneficiary when it should have been mine, so my bank charged it back. We immediately fixed the problem and submitted new papers, but now Comenity has locked our account and refuses to release any money. We have called and sent many messages and no one seems to be able to help and they say they have no way to contact anyone higher who may be able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo stole {$150.00} from my deceased mother 's savings account than charged her {$12.00} to allow them to steal her money. It is that simple. Plus they refuse to give back the original deposit so I can go to the issuer & get a replacement check. Now I have to reach back out to the issuer, which by the way these {$150.00} stolen funds were from XXXX XXXX CFPB settlement.

This is my joint account as the executor there was no notice that they will steal her money given.

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 2018-02-22
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Citi bank sold debt to XXXX XXXX who has attorney XXXX XXXX XXXX filed judgement on my house I never received the debt information I email attorney to settled for amount on lien they want to double amount I also ask them to sent me copies of debt I owe and my signature they dont have it need help selling my house and they trying to get XXXX and I suppose to owe XXXX please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
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:
I have tried for several months to get an issue resolved of a {$400.00} charge and a {$250.00} charge since XX/XX/2020 and the credit card company won't issue me a refund because they state it's over the allotted time but I have been in contact with HSBC regarding this matter multiple times and still nothing I am not paying for something I believe I should of never been charged in the 1st place from XXXX XXXX till the problems I was having were fixed properly then they could have charged me for a XXXXXXXX XXXX XXXX on my car. I refuse to pay this amount of money {$650.00} I think HSBC should have to eat this amount with all the running around I have gotten over the last several months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23
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 status incorrect

Complaint:
XXXX XXXX XXXX should not be reporting to XXXX ; XXXX  and Transunion that I am ( XXXX ) days late on the XXXX  XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account is on auto-pay and therefore there has never been a missed payment. I have attached a copy my account payment history for reference. This false reporting of lates is seriously harming my credit score and these line items need to be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to fix this however, I have not been successful.

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 2019-02-18
Company: Experian Information Solutions Inc.
State: OK
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 have been trying to work on my credit report every since my identity was stolen. I have some child support and auto loan that I am not responsible for. 

I've reached out to the credit bureaus but I've not been able to reach any outcome.

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 2018-06-18
Company: Camelot Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have and installment with XXXXXXXX XXXX in XXXX XXXX Ok. I am still due for a partial late fee of XXXX. I have received 2-3 calls everyday over a partial late fee. They attempted to call my Job and were told that I could not receive personal calls at work. Since then, someone has called my job twice since being told I can not have personal calls, and then hung up. We do have caller Id at work. I received several harassing phone call and messages saying the will continue to call my job, with being well aware I can not receive calls at work. I spoke with XXXX she stated I was 2 months past due, I told her I am not, I am due for a payment as of today XX/XX/2018 and part of the late fee from XXXX. She insisted on arguing with me say that she will continue to call everyday. I did express to her if I continue to receive the harassing phone calls I will send my cease and desist and will report her to the Cfpb, she responded in go ahead. XXXX was very rude and had a nasty attitude once I told her my name. with this office through mail, I will continue to pay on my account until paid in full. did express to XXXX I will drop my payment in the night drop on the XXXX. I also have a loan with their sister company XXXX XXXXXXXX XXXX, which is through the same home office and I have never had these problems with XXXX XXXXXXXX XXXX, which is right next door to XXXX XXXX. XXXXXXXX XXXX XXXX   are friendly and considerate and a great office to be in business with. XXXX XXXX, the staff is rude and they harass you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I asked for copy of bill, because I don't owe that amount. My XXXX account was switch by XXXX XXXX XXXX. Enhanced Recovery ( collection company for XXXX XXXX said they could not give me a copy of the bill, because it's in collection.they also put on my credit report once I applied for a pre approved mortgage loan. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: JPMORGAN CHASE & CO.
State: MD
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:
Sometime in XX/XX/XXXX I learned that my mortgage company had not been reporting my mortgage payments to the credit bureaus. I submitted a complaint via this agency and I received a call from Chase who's rep stated that they received no information from my bankruptcy XXXX filing in XXXX that indicated that I wanted to reaffirm my mortgage. Although I continued to pay and have been paying from XXXX, none of these payments have been reported to the credit reporting agencies which would've positively impacted any request for credit during these years in fact it is my position that the failure to report my on-time payments negatively impacted the interest rate that was extended to me over the years, creating a cumulative affect of a higher financial liability that impacts many areas of my life including insurance rates, auto loans, employment, etc. Mortgage payments carry a higher aggregate weight in one 's credit file. I requested court records from the XXXX filing in which I obtained the " Affirmation '' that was a part of the submission to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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: Information belongs to someone else

Complaint:
Last year I discovered a false accounts with XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but these accounts have denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2018-11-13
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was under contract for a house that had credits from the seller and credits from my realtor in order to cover closing costs for the house. The broker told me verbally on XX/XX/18 that those would cover closing costs ( see attached text from broker asking me to call him ) and I would only be responsible for the down payment. My realtor told me closing costs would be higher than the broker was telling me, but I trusted the broker when he told me that the credits I received would cover the costs. As stated, I confirmed this verbally PRIOR to signing the final contract for the house. Unfortunately, this was inaccurate information and when I realized one week before closing that I was lied to, I could not do anything about it or I would not be able to close on my house the next week. I was put in a bad situation that I had to pay additional, unexpected closing costs. The broker nor Caliber would work with me further- nor did the broker respond to my final emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing this complaint due to the companies lack of valid debt as well as their refusal to acknowledge a dispute. I contacted this organization on XX/XX/18 at XXXX XXXX to advise them of a dispute in regards to 3 accounts that they allege is owed. Upon advising the company that I am disputing these accounts and that they contact their client to discuss the reasons, I was advised that I need to explain my dispute to the rep or my dispute was not valid. I again advised rep that her personal opinion as to whether or not I have a valid dispute is irrelevant and all she is being advised to do is Dispute the account accordingly. She refused to do so. I then advised company that they no longer are to contact me via phone or mail at which time again I am advised that they do not need to acknowledge my dispute or demand they cease and desist and I need to send them something. Since they are refusing adamantly to address their improper records for 3 accounts that are disputed this complaint is being filed. Hopefully this company and its employees will correct their incorrect demands as well as cease from ever contacting me in any form whether phone, mail, email or any other methods. I will also demand that no negative marks be placed with the credit bureaus due to this companies erroneous and frivolous accounts or a lawsuit will be filed due to violations of FDCPA as well as FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXXXXXX XXXX XXXX  is reporting on all 3 of my credit reports for a balance of {$2500.00} I never opened this account and it must be removed from all credit reporting agencies

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 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXXXXXX XXXX XXXX is reporting on all 3 of my credit reports for a balance of {$2500.00} I never opened this account and it must be removed from all credit reporting agencies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car loan is with Hyundai Motors. For the past 6 monthsin 2021 I have been over paying by about {$31.00} a month. I have asked them to apply the overage to my principle. After battling with them for over 3 months, they charge me late fees for which I do not owe. They have not applied the over payments to my principal but have credited to the interest, making extra money for themselves. Every week I am on the phone with them and no one seems to know what they are doing. I don't owe late fees but this is what they come up with after I have been over paying. My account now says I owe {$61.00} more than my care note is for no reason. They are trying to rip me off. 
When covid hit, I got an extension and they approved it. Now they are trying to say I was late last year. If I was late, they would never have given me an extension.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CITIBANK, N.A.
State: GA
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:
In 2018 XXXX  removed the fraudulent accounts, addresses and names on my credit report and now they are all back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Experian did not receive written documentation with my signature showing I entered into a contract with XXXX XXXX. I ask XXXX and Experian to provide documentation of debt validation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX/XXXX/2020, I received a message when trying to pay bills using XXXX stating that PNC has made changes that no longer allow me to link my account to XXXX to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Santander Consumer USA Holdings Inc.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This is my original case number with your agency : XXXX. The case number is also listed on the Santander Settlement Agreement dated XX/XX/XXXX. 
The settlement agreement required me to pay $ XXXX/monthly starting XX/XX/XXXX and my last payment would be XX/XX/XXXX. 
I paid it monthly as agreed. When I called in XX/XX/XXXX a female Santander employee reminded me that XX/XX/XXXX would be my last month, and I would get my Certificate of Title then. 
I called today to pay it over the phone and asked to speak with the same employee from XX/XX/XXXX. " XXXX '' said he would handle it. He placed me on hold several times, and said he didn't know I had an agreement. Then he said, " Santander doesn't have a copy of the agreement, my bad ''. 
I can't believe I honored the agreement and when time came for my final payment, Santander is now saying they don't have an agreement with me. 
Sometimes I made my my monthly payment directly over the phone with a Santander representative, and the representative would remind me how many months I have left on our agreement. 
" XXXX '' wouldn't even let me pay today and get released per the terms of my agreement. XXXX 's exact words when he couldn't find the agreement " my bad ''. He said, he didn't even know they had one with me. 
I don't understand how a large corporation could say it's " their bad '' that they lost the agreement when time comes for me to get my title. 
I called to make the final payment and couldn't today. I will hold off on making the payment because I see now this is beyond deceptive loan practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
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 sent 3 dispute letters on the dates below because CREDIT ACCEPTANCE is reporting inaccurately and violating my rights under the FCRA and FDCPA. 

This account has been closed since XX/XX/XXXX and it is still reporting as an open account, there are late payments still reporting even after this account has been closed and this account has been illegally re-aged from XX/XX/XXXX to XX/XX/XXXX, so they are reporting old debt as new debt. 

On XX/XX/XXXX, I disputed an account reported by CREDIT ACCEPTANCE and I was informed on XX/XX/XXXX that the item was deleted from my XXXX  credit report. Now I have discovered that the item has been reinserted on my credit report and I was not notified of the reinsertion in writing within 5 business days. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX 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 2018-02-22
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2018 I called Santander Consumer USA to discussed have my payment were only being applied to interested only. When I spoke to the customer service rep she was unable to explain why all on the payment were being applied to interest regardless of the amount of payment. I check the back of my statement and it does not specify have payment are applied. My schedule payment amount is XXXX. I typically pay XXXX instead of XXXX. I would like details as to how and why my payments are only being applied to interested. I understand that this is a high interest loan, however I do not understand Santander accounting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
Multiple accounts on report are not mine. 

Certain accounts held have incorrect charges of purchases and interest has been raised, credit limit lowered though I am always on time and barely used much of the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 I used XXXX to transfer funds to the merchant, training with XXXX XXXX  in XXXX, GA. which were being withdrawn from my bank account. I intended to transfer {$90.00}. but the withdrawal was INCORRECTLY XXXX I immediately contacted the merchant, XXXX, and the bank instution to stop the mistaken extra {$810.00} from processing in his account. " XXXX XXXX " would never return my call. I could never get any information to contact and speak with XXXX ( XXXX ) is a branch of bank of America. I filed a claim with Bank of America, they would never give me any information they would promise to give a provisional credit and didn't, they claimed to send the complaint but never sent me what was sent to merchant, neither would they allow me to speak with a manager bank of America gave me the biggest and worst rin around and would not assist in getting my {$810.00} overage XXXX transfer back from the merchant and the merchant refuse to speak with me and return my {$810.00} over payment which should be the full {$900.00}. ( because the {$90.00}. I intended to transfer I never used has service so I should have the intended {$90.00} returned back to me. Please return my {$900.00}.

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