BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-14
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage in good standing with Wells Fargo. The problem is that I did not choose Wells Fargo as my servicer, and I am morally opposed to giving them business based on their immoral business practices, which have only recently become widely reported on. Ideally I want my loan to be serviced by a local credit union or bank, keeping my money in my local community rather than giving it to a multinational corporation. I called around but the only option appears to be a refinance, which I am not looking for. Do consumers really not have any say at all about where their mortgage money goes to? It seems terrible that I would be forced to help boost the financial profile of a corporation that I have strong moral objections to.

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 2019-04-14
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
there is a collection with Experian. That I have no signature or id or nothing that invole I approve this in I want it off my credit report I disputed XX/XX/2019 of the amount of {$38000.00} they did not give me no feed back when I wrote them or called so please help because this is something affecting me that I have no signatures with ... ..

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 2020-05-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Not my accounts or inquires

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 2019-04-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I reached out certified mail XX/XX/XXXX they signed for it and I heard nothing from them XX/XX/XXXX they signed for another request and heard nothing from them and they didn't mark my credit report as a dispute I attached my credit report to show they are in violation

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 2019-04-14
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: Information belongs to someone else

Complaint:
sent ftc violation taking more than 30days

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 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 has reported my payments are late to credit bearus. I had a few extension agreements due to XXXX. I was assured that it would mark my payment as current. That was 2018. Now XXXX is just not reporting correctly. Now it says my payments are late. I have a 30 day late on all credit bearus that was paid on time.

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 2021-02-11
Company: Experian Information Solutions Inc.
State: SC
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:
there are a couple of things being reported incorrectly : 1.My account is not being reported to Experian as it is to XXXX  and XXXX  2 . High Credit : {$430.00} is not being reported to all agencies 3. Date Opened : verification needed as different dates are being reported to all agencies 4. Date of Last Payment : is not being reported correctly, please verify 5. Credit Limit : {$400.00} is incorrect as there was a recent increase 6.Two-Year payment history is not being reporting correctly, as company agreed to delete late payment error, plus its showing 30 day late different per agencies ex : XXXX and/or XX/XX/XXXX different agencies are reporting different dates

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 2017-12-05
Company: EQUIFAX, INC.
State: IN
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 am XXXX XXXXXXXX Equifax STILL insists I am not. Emails and USPS Mail arrive in NOT MY NAME > I WILL NOT OPEN USPS ADDRESSED TO NOT ME. As far as I am concerned, NO effort is being made by Equifax to corret the Illegal Information gathering and distribution. I see it as a constant and demeaning abuse for them to CLAIM all is better now. As well as deceitful, deliberate act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is inaccurate information on my Equifax credit report relating to my student loans through the XXXX XXXX XXXX XXXX. These loans have been paid off and closed for several years and XXXX Was able to remove them I contacted Equifax they verified my identity and opened a dispute. That disput has been closed and the information was updated with incorrect information and now Equifax will not verify my identity even though I answer all the same questions with the same answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: AR Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company by the name of AR Resources Inc. of XXXX XXXX, PA. has put 3 " unpaid collection '' line items on my CBR, out of the blue.! I have never spoken to this company regarding anything, or received any phone calls or messages from them, or anyone about a supposed bill I've never paid, until they posted three unpaid debt collections on my CBR two months ago. Never.! When I called them ( several times beginning in  XX/XX/XXXX ) stating they have made a mistake about some debt I owed, they stated they would send me a bill from an emergency room visit in XX/XX/XXXX. ( I haven't been to an emergency room in 40 years ). So after asking me to wait for 30 days, they never sent me anything. I called them again, and they said they would mail me the supposed bill again, and to wait for 30 more days, again. The lady stated that since I didn't have any medical insurance, that is why I'm being charged and I have to pay. I told her I've had medical insurance with the same company I've worked for for the last 30 years. She seemed surprised and took the insurance information, and said not to worry, she would submit the bill to my insurance company. No word, no bill, no nothing, so 35 days later I called again, and was told that they sent the claim to my insurance company and that's all they could do. I then asked why have they listed this one " bad bill '' of {$650.00} on my CBR report as three separate items.? She said she didn't know why it's listed three times on my CBR, and she could not help me fix it. I said ; you put it on, why can't you take two off while this is being researched and resolved, leaving the one item/bill.? She said to write the CBR companies, if it appears more than once.! Wow ... I called my medical insurance company today, and they stated that the " bill '' is way past any normal time limit of one year for them to consider paying it. I asked the insurance company to please double check and see if this bill that is supposedly mine, was ever submitted at any time before. The lady clearly stated, it has never been submitted to my account before. Please help me to get this incorrect, almost 2 year old medical bill off of my CBR's..! These three bad marks for unpaid collection debt first appeared on my CBR on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: LA
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 XXXXXXXX the date last active for each bureau is inaccurate. 

XXXX XXXX XXXX XXXXXXXX the date last active for each bureau is inaccurate. 

XXXX XXXX XXXX XXXXXXXX the date last active for each bureau is inaccurate. 

XXXX XXXXXXXX the payment history and the date last active is inaccurate. 

XXXX XXXX XXXXXXXX the date last active for each bureau is inaccurate.

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 2019-04-14
Company: CITIBANK, N.A.
State: MA
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: Problem with personal statement of dispute

Complaint:
I have been a victim of identity fraud and Citi Bank ( CBNA ) was one of the companies the person ( s ) attempted to open an account through. I followed all the correct steps with identity theft.gov and sent them all the necessary paperwork to dispute the claim and have the inquiry removed and information sent to me. I received a letter back stating without an account number they are not willing to do anything further with the mater. I have called and can not get an account number or any help in resolving this matter over the phone. I have worked for years getting my credit to where it is and to have someone ( s ) try and destroy something I have worked so hard for so long for is awful, then to have these giant corporations act like it is no big deal and thy have no responsibility to help when all the proper documents were sent to them is beyond frustrating. I just want them to work with me and not against me in getting these inquires removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-14
Company: EQUIFAX, INC.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
Years ago I had bills and credit lines in my name but I was never aware. 
XXXX of XXXX I applied for an auto loan and found out I had lines of credit from before I was even XXXX years old! XXXX I allowed my younger brother to use me as a cosigner for an apartment and he bailed on me with 6 months on the lease. Little did I know, I was volunteered as a cosigner on my brothers previous lease that he broke because of an internal issue with the complex. Once that lease was broken only thing I knew was that " the apartment would take the hit and he owed nothing. '' XXXX I bought a new vehicle for my commute from XXXX XXXX to XXXX for school. Once my mother was diagnosed with a XXXX XXXX I wasn't able to attend school or work for about 4 months which lead to me dropping out and losing my job. Once this happened I completely fell off on handling my responsibilities, which is a mistake I know not to make again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: Bread Financial Holdings, Inc.
State: VT
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:
This company calls every hour ob the hour switching between 3 different phone numbers. If I don't answer one # they hang up, and call right back with different number and if that does not work they call private. Calls are starting at XXXX everyday including Sunday. This is unacceptable and I've asked them to stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo failed to address my concerns. As a matter of a letter that was just received at the time of this complaint, XX/XX/XXXX, this matter is still pending review until least XX/XX/XXXX. The mortgage company ( Wells Fargo Home Mortgage ) did not provide a breakdown of the amount of real estate payments were included in the funds diverted to their attorney or other unauthorized accounts. Therefore, the bank will be required to provide that information for the records of the consumer. Apparently, those XXXX  individuals living on my property have the impression that they can have me arrested for property that I paid for. This XXXX XXXX   woman is not willing to sit in jail for any XXXX individual or anyone for that fact. 

Wells Fargo Home Mortgage and/or the County of XXXX XXXX XXXX misappropriated, diverted, or embezzled funds paid by XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX allocated for mortgage expenses such as real estate and/or attempted to embezzle funds allocated real estate taxes to apply towards personal property taxes that have already been paid but generated by altering statements sent to XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX, including but not limited to funds designated as part of the mortgage payment made to Wells Fargo Home Mortgage. Periods of misappropriation occurred from XXXXpresent and as early as 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 2020-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital One is not properly handling a CD account for {$65000.00} in the time frame promised upon opening this account. I was informed that these funds would be immediately available XXXX XX/XX/2020 by a branch associate. I reached out to have the account closed on XX/XX/2020 and they stated it would take 7-10 business days. The branch is also unwilling to rectify their errors. I verified my identity at the same level XXXX requires ( as a former employee ) and Capital One ignored it. Today is XX/XX/2020 and they refused to expedite this process to make up for their errors. Every agent has refused to put me in touch with their supervisor or a competent professional in the CD department. The one agent even lied about the number to Headquarters and when addressed began to shout over me. This is gross negligence, a lack of due diligence, and quite frankly financial abuse being were in a pandemic. Ive incurred costs from other companies as a result of their incompetent employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Opened a card with XXXX in XXXX XXXX. Only one late payment due to a bank number error that caused the payment to get rejected. However, paid the late fee and made all payments on time. In XXXX XXXX they closed my acct with no warning. According to the card issuer, synchrony bank closed many accts even with good payment history if they pulled your credit and they didnt like what they saw. I dont think its right for them to close your acct when its in good standing and you have not asked for the bank to do so.

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 2020-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Back in XXXX, I made a transfer payment from XXXX XXXX credit card to my Bank of America credit card ending in XXXX in the amount of {$3800.00} and my original balance was {$4000.00}. Which I should have been left with {$200.00}. The {$200.00} was paid before XX/XX/2020. At this this time I was not owing any balance. A week later i saw on my statement stating i was again owing over {$4000.00}. I went to a local Bank Of America branch here in XXXX Florida to make a complain and I explained my situation to a Banker and I was told BOA didn't receive any amount that I should call XXXX bank. I went to XXXX local branch to find out why the money was not sent and they said it was sent to BOA and they received it. I ended up telling XXXX to retrieve the {$3800.00} back and i will just pay directly to BOA. So i started paying to BOA from {$3800.00}, i continued my payment till it was {$3300.00}. Two days later, i saw my online banking stating, I was now owing over {$7000.00} from BOA. I do understand I was owing them {$3300.00}. I was really confused why they said I was owing {$4000.00} again. So, I decided to make another bank transfer from XXXX credit card in the amount of {$3300.00} to BOA to avoid the interest promo given to me. To my understanding, I shouldn't be owing BOA any amount. So, the {$4000.00} i believe was a mistake. I contacted BOA and told them about the mistake but there was no clear understanding. I am in need of help because I can't afford to give out any money I don't owe.

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 2019-04-15
Company: Berlin-Wheeler, Inc. (Kansas)
State: DC
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:
Berlin Wheeler - KS contacted me via telephone about a debt for XXXX XXXX account. The account is for cable service provided to a home in Oklahoma. I have lived in Maryland for over twenty years. The service ended up being for an address that is occupied by a family member. I agreed to pay the debt to avoid my credit being damaged. Once I provided them with my address in Maryland  they immediately filed the debt on my credit report the same day. 

Prior to their telephone call onXX/XX/XXXX, I had not been given notice that they were attempting to collect a debt, which would have allowed me the opportunity to address the debt or dispute it. 

When they contacted me via telephone they never mentioned that they would be filing this on my credit. I assumed that since I agreed to pay that there would be no further action. Again, this is not my account but an account that was opened for use by a family member.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 contacted the Credit Bureau on XX/XX/2018 in regards to inaccurate information on my credit report such as jobs, phone numbers, addresses and inquiries. Recently I've become educated on the importance of credit as well as the common errors reported to credit agencies. In the recent months as I've gathered my reports and was able to spot multiple inaccuracies in which I immediately began to contact all 3 credit bureau 's to dispute the inaccurate information, they have unfortunately failed in the removal of all of this information. I'm sure all parties involved are aware of the importance of credit and the information that credit granting agencies can see are essential to the credit granting process for any consumer. And if the information is incorrect it can have a negative impact on the consumer ( me ). Well this is exactly what has happened no matter my efforts to repair/ rebuild the inaccurate information has has a destitute impact on my progress. And although they responded to my request in impeccable timing they have failed in the actual removal and updating of this inaccurate information, which has lead me to get a third party involved.

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 2019-04-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX to look at a 2007   XXXX XXXX XXXX pickup and a 2007  XXXX XXXX box truck. I wanted to test drive and negotiate as I wanted to pay cash.

1. I was told financing wasn't an option as the autos were older than 10 yrs.

2. The box truck was considered commercial and could not be financed.

Regardless, I didn't want to finance the autos. If all worked out, I wanted to make a deal for both trucks-CASH -- NO FINANCING.

Prior to test drive, the dealer required that I complete a credit application for no reason other than potential discriminatory reasons. I have never heard of anyone requiring a credit report prior to a test drive. They already obtained a copy of my insurance and drivers license. There was no reason to check my credit file. This was deceptive. I requested the dealership to remove the used car inquiry but they did not respond.

Company response to consumer: Closed with explanation