BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-06
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX - {$490.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX * XXXX XXXX XXXX XXXX On XX/XX/XXXX I ordered {$500.00} worth of clothes from XXXX. 
It has been 241 days and the package has not come in yet. The order " shipped '' XX/XX/XXXX. However, the package has not come in yet and on the tracking info it says " shipment label created '' and that is all. 

I have contacted my bank, wells fargo, and opened up a claim but it was closed shortly after by them saying it has been 120 days since the point of purchase so I can't issue a refund. 

I have contacted XXXX and they have been incoherent within their responses and now, they have stopped responding.

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 2019-03-12
Company: Bronstein & Weiss Arbitration
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from someone at a company called XXXX XXXX XXXX. Initially the voice started out as an XXXX accent then went to a recording. The recording stated that I am being served at my place of employment or home that I have 2 hours to get there. Call them back to make an arrangement or we will see you in court. They call came through anonymously and I let it go to voicemail. I do not owe anyone or anybody anything.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-11
Company: Kashia Services
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am a victim of identity theft. I filed a police report. I found out about the XXXX XXXXt account after receiving collection calls. I have emailed and regular mailed a letter and the police to XXXX XXXX numerous times. Every time I call to follow up I speak to the same person. She advises me that there is literally no other person there that can speak with me. She said she does have access to the mail or email and will not give me a time frame for when this account will be closed as fraud. She will not let me speak to anyone else and refuses to give me to upper management or a supervisor. I did not open an account with XXXX XXXX. I did not authorize an account to be opened with XXXX XXXX. I filed identity theft with the police and with the FTC. I want this account removed and closed out so that I am not held liable for something I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XXXX XXXX, XXXX at XXXX dealership, inquired about their ad on change car. Sales showed me 3 Certified XXXX XXXX autos, drove one. Liked it, price reasonable, had the accessories I wanted. Inside dealership, sales tells me he can't sell me 'that ' cat, but can sell me other one. Told me it's the same, just different color. Was promised price would lower. I explained to him, will not have packages added, alert your finance man, he agreed. When I met with finance mgr., he told me my trade-in price. This was the only info he gave me. Explained I can not afford high payment. Sat for 2 hours in small room, no ventilation. Due to my back failure, told finance I had to walk. Doing so, sales told me I was approved, you have to remove items from your car. Doing so, called to finance office, he told me to sign in few places. I asked for the break down in numbers, he explained numbers, made no sense, repeated this to me again. Interest rate never said to me, or car does not have the accessories you wanted. Outside again, removing items, sales came to me : " finance made error, just initial here ''. This point, in pain I did. Receive some paperwork, drove 3 miles home. Once home I looked at oil level, ( 15 % ), called sales, told come back in am early. Plus remote key not working. If 'Pre-Certified ', all should have been checked. Next day met with sales, told him contract is packed with items I never requested, plus high rate of interest 18 %. His response ; if you cancel package, you will have to pay for the oil change! Outraged, told him to cancel it, & finance mgr. Sent via fax, telephone & mail, to finance mgr to remove & adjust contract. 45 days later Honda Corp, upon my form request removed 2 packages, deducted funds from total loan. Interest never changed. Since XXXX XXXX to XXXX XXXX, replaced battery twice, radio electronics repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
I would like dispute incorrect statements on 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 explanation
Consumer complaint received 2018-03-30
Company: Ballybunion Enterprises, Inc
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have a debt I am working with the original creditor on and am receiving calls from XXXX XXXX XXXX XXXX. XXXX XXXX with XXXX XXXX XXXX XXXX contacted me at my place of work and I informed him to delete the number from my account and add my personal number. The next day I received a call back from him and again told him to delete the number and that I am not authorized personal calls of any type at my place of work. During this phone call I also spoke to XXXX XXXX supervisor and reiterated 2 times that I am not authorized personal calls of any type at work. On XX/XX/2018 at approximately XXXX XXXX  EST I received a third call from XXXX XXXX at my place of work. I informed him for a third time that I am not authorized personal calls of any type at work. XXXX XXXX stated that there " was no note on my account stating that I am unable to receive calls at work. '' As stated by XXXX XXXX and his supervisor at XXXX XXXX XXXX XXXX all calls are recorded. Review of phone call recordings will reveal that I informed both XXXX XXXX and his supervisor that I am not authorized to receive phone calls at work. With the insistent calling to my place of work after being informed I am not authorized calls at work is in direct violation of law.

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 2020-08-30
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:
After reviewing my Transunion, XXXX XXXX credit profile I seen an inaccurate account reporting a late payment back in XX/XX/2019 for an XXXX account. I was never late on this account.

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 2018-03-06
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i received a letter in the mail from this collection agency trying to collect debt that i do not owe. i immediately want them to correct their record and forward this back to the original creditor so they can correct their record due to me not owing them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, 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:
AS A CONSUMER, I HAVE TRIED NUMEROUS TIMES TO HAVE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED DOCUMENTS TO ALL THE BUREAUS AND TO XXXX  DIRECTLY. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THE CARD ARE NOT MINE, THE ACCOUNT IS NOT MINE. 


WHAT I DON'T UNDERSTAND IS WHY PROVIDE FAIR TRADE COMMISSION OFFICE, THIS SPECIFIC ORGANIZATION WHEN THE AGENTS AT THE BUREAUS DON'T APPROVE ANYTHING. 

THIS ACCOUNT IS NOT MINE!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My XX/XX/2020 loan payment was drafted from my account on XX/XX/XXXX but Lakeview Loan servicing said they didn't receive it. After getting all of the documentation sent to them and weekly calls starting XX/XX/XXXX, they stopped responding to my inquiries. I called them at the end of XXXX, and I was told that they returned my mortgage payment to my bank in a " bulk check '' which I later was told meant they returned multiple payments without an explanation. Nobody could answer why it was returned, just that the " check was in the mail '' on XX/XX/XXXX. To date my bank has not received the check, and I have not received credit for this payment that I am still out. I had to submit another payment to keep my account from being reported, but I still do not have my money back.

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 2020-05-14
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on XXXX XXXX XXXX so I called us bank my lender they said I qualified for forbearance which I wouldnt have to pay for 6 months the failed to tell me it would all be due at the end of the the 6 months then right after that coved happened and my hours were reduced so I lost income. Im worried about losing my home. Under cares act I was hoping to get some kind of help or modification to my loan so I could resume normal payments being a single mother of 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 2020-11-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft and I notified XX/XX/XXXX, Equifax, and XX/XX/XXXX about this XX/XX/XXXX account showing up on my credit report as a charged off account. I have been notifying them for months and even sent police report and somehow this account still gets updated and verified as accurate. The only credit bureau who actually did the right thing and removed this inaccurate account was XX/XX/XXXX. I don't see why this account did not get removed from XX/XX/XXXX and Equifax as should.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Experian Information Solutions Inc.
State: DC
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 Consumer Finance Protection Bureau Representative, Good  morning! 

In the past 150 days since XX/XX/2020 ; the Experian Credit Reporting Company has lowered my credit score some fifty ( 50 ) basis points ; as of XX/XX/2020. 

In that time time I have not opened any new accounts or currently have any accounts open. In fact, I have no credit card debts, loans, mortgage debts, bankruptcy, collection company obligations, mortgage foreclosure, or judgments in my credit history. My debt to income ratio is XXXX ( XXXX ). 

In addition to the aforementioned facts there have only 5 credit report inquiries made during that time, none of which resulted in opening any new accounts. So why the fifty basis point reduction from Experian? 

I believe it is all part of their seamless and direct retaliation to my refusal and rejection of their bank card solicitation offers made through their merchant banks that are advertising through them for marketing to high interest bank card offers they routinely send me. 

I appreciate your help, time, and courteous reply.

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 2019-10-22
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-08-30
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:
Upon viewing my credit report I found an inaccurate late payment from XXXX that was reported to XXXX, Transunion, XXXX XX/XX/2019. I was never late on this account.

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 2018-07-11
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My account with XXXX XXXX is past due in the amount of {$810.00}. At XXXX XXXX   central time XXXX XXXX XXXX telephone number XXXX XXXX   and XXXX who claimed she was the Manager spoke to my wife and told her how much the past due bill was. She inform them that they were not allowed to discuss my personal debt with her and they both continued to say it was ok and that because she my wife they could discuss the matter. I never gave them permission to discuss my debt with anyone. They said the phone call was being recorded and they did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 HAVE 10 INQUIRES ON MY TRANSUNION CREDIT THAT I KNOW NOTHING ABOUT.

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 2019-03-12
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Have asked company to validate debt by showing court documents of debt allegedly owed and they have failed to do so. Have disputed over 3 year period and company is not removing from credit therefore causing exxtreme hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Colony Brands, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
the account is closed and paid off but still reporting as negative on my credit report since XX/XX/2014 there is a XXXX balance the highest balance was {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-05-14
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: Account information incorrect

Complaint:
There is wrong info on my credit report and I would like to get this issue resolved

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 2020-12-02
Company: FC HoldCo LLC
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:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2019-03-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was cheated by a lier mortgage account executive who increased my proginal offered interest rate from 3.74 % to 4.25 %, closing was on XX/XX/XXXX and I submited my complaint to Wells Fargo on XX/XX/XXXX and the answer was that they were sorry, but they could not change the rate.

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 2020-07-07
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:
XXXX XXXXDisput XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute all ftc violations sent over 45 days ago

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 2020-05-14
Company: CITIBANK, N.A.
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:
AS A CONSUMER, I HAVE TRIED NUMEROUS TIMES TO HAVE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED DOCUMENTS TO ALL THE BUREAUS AND TO MACYS DIRECTLY. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THE CARD ARE NOT MINE, THE ACCOUNT IS NOT MINE. 


WHAT I DON'T UNDERSTAND IS WHY PROVIDE FAIR TRADE COMMISSION OFFICE, THIS SPECIFIC ORGANIZATION WHEN THE AGENTS AT THE BUREAUS DON'T APPROVE ANYTHING. 

THIS ACCOUNT 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 2021-04-25
Company: Experian Information Solutions Inc.
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 is missing that should be on the report

Complaint:
I am contacting you regarding the Payment History portion of my Experian credit report. There seem to be some inaccuracies as it relates to what is being factored into my 'Payment History ' which makes up 35 % of my credit score. I noticed that my 'Payment History ' on all eligible open accounts and/or installment accounts are not being factored into this component on my credit report My payment history SHOULD INCLUDE the following eligible open accounts and/or installment accounts : XXXX XXXX XXXX XXXX | XXXX XXXX | Open Account -First Investors Financial XXXX XXXX XXXX XXXX | Open Account -XXXX XXXX XXXX XXXX XXXX XXXX | Open Account -United States Department of Education XXXX XXXX XXXX XXXX XXXX Account

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