BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-12
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2019 I contacted Macys executive office due to XXXX failing to address several issues I filed about. XXXX her colleague like XXXX decided to lie. I was told that Macys didnt cancel my credit protection but received a list from the company to remove it from my account. He then gave me credit protections number and told me to file a rebuttal. I followed his instructions and requested a rebuttal. XX/XX/XXXX I received a call from XXXX  letting me know Macys instructed them to cancel my credit protection. She also informed me a rebuttal wasnt needed and simply was to know who canceled which was Macys. The fact that people in the executive office are lying just as the customer service line is disgusting. For several months Ive been lied to, intentionally given wrong information, refused information, and misdirected

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 2018-07-26
Company: WLCC
State: ME
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received a voicemail from " XXXX '' calling from XXXX. She advised she was calling from " XXXX XXXX XXXX '' and I needed to call her immediately. I returned the call and XXXX proceeded to tell me that I took out a {$400.00} loan with her company in XXXX and now owe over {$600.00}. I advised that I had never heard of her company, never took out a loan, and owed them nothing. She then provided me with " reference names '' I allegedly provided when applying for this loan and I told her I did not know who these names were. I then advised I had never taken a loan from her company, had never even heard of them, and they are trying to collect a bogus debt they are saying is from over three years ago and they need to stop calling me. XXXX then told me that I need to file a police report ( again, for something that allegedly occurred over three years ago ), and that this would be going on my credit report. I told her I went through a bankruptcy last year and do not owe anyone anything, and that she does not have the right to alter or examine my credit report at all as this is not my debt. XXXX continued to speak over me and tell me that I was " making this more difficult for myself ''. At this point I terminated the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01
Company: EQUIFAX, INC.
State: IL
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:
As of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) is  reporting on my credit reports, I have never had an account with this company, My Mortgage was handle by XXXX  XXXX. My Home loan was paid in full XX/XX/XXXX and now XXXX is reporting on my CRA as 90 late, I have tried calling the number listed on the CRA report, but it is just no answer.

Also it is reporting my loan was late XXXX, XXXX, XXXX, XXXX now. I have contacted XXXX and they provided a notice stating there is no adverse action being reported on my CRA reports but the CRA ( XXXX XXXX, Equifax  ) states and show the information is being reported as accurate after I have sent them all the paper work to dispute and correct. 
I want all information from this company removed from my CRA reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
As of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) is reporting on my credit reports, I have never had an account with this company, My Mortgage was handle by XXXX XXXX. My Home loan was paid in full XX/XX/XXXX and now XXXX is reporting on my CRA as 90 late, I have tried calling the number listed on the CRA report, but it is just no answer. 
Also it is reporting my loan was late XXXX, XXXX, XXXX, XXXX now. I have contacted XXXX and they provided a notice stating there is no adverse action being reported on my CRA reports but the CRA ( Trans Union, XXXX  ) states and show the information is being reported as accurate after I have sent them all the paper work to dispute and correct. 
I want all information from this company removed from my CRA reports.

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 2019-05-30
Company: TD BANK US HOLDING 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 came into the dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX XXXX. 

I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put one penny down. He said sure, they could roll everything in, and showed me a car that met my needs and  had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX. He assured me this was the process. 

Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. 

After coming home with the car I have found my credit was pulled by over 5 banks ( XXXX XXXX , XXXX XXXX XXXX, XXXX, TD Auto Finance , XXXX XXXX XXXX XXXX ) without my permission. 

These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2019-08-12
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Applying all payments to suspense balance. Showing past due but all my payments are going to suspense. Try calling them they refuse to speak to me. Want letter from my attorney. Attorney has written them and till will not speak to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 came into the dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX XXXX. 

I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put one penny down. He said sure, they could roll everything in, and showed me a car that met my needs and had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX-XXXX He assured me this was the process. 

Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. 

After coming home with the car I have found my credit was pulled by over 5 banks ( XXXX XXXX , Bank of America, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  ) without my permission. 

These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep.

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 2019-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I moved XX/XX/XXXX and called in a change of address to Newman Marcus. I have a number of cards and all the others changed my address so everything went fine. I dont use the Newman card that  often but used it at XXXX of XXXX. I never received a bill and didnt think of it because I dont always use their card. I only use it when it gets a discount. 

I tried to use my card last month and it was declined. I inquired as to why and was told of the charges. I let them know that I had not received a statement. I let them know I had records of changing the address. I told them all the other changed it with no issues. They asked if I had a Saks card. I told them yes so the looked and could see that I changed my address on it in XXXX of XXXX. 

The had my correct phone number and email but sent nothing. I told them I wanted to pay this right away but would only pay the original amount of {$940.00} and not the XXXX they say I owe now. I also asked that they report the the credit bureau that this is their error and to remove it from my report. I left several messages starting on XX/XX/XXXX for the customer service manager at the XXXX store Mr XXXX XXXX. He never returned my calls. 

I called the credit department XX/XX/XXXX they said the would take a couple of months interest off and I said I wanted to speak to someone who could make it right. They told me I would receive a call back in 7-10 days. Nothing happened I downloaded my account info and called the number on the downloaded statement. I was told the same thing again after being placed on hold for 24 minutes. I asked for a supervisor. 36 more minutes later a  supervisor named XXXX told me the same thing. I asked for escalation but he informed me that he was the highest person on the matter. I asked for his last name but he would only provide his employee ID XXXX. 

I want to pay the bill right away but want assurances that they will drop the extra charges and report the error the the credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: NC
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:
In XXXX, XXXX and XXXX of 2019 I paid {$580.00} on my account with XXXX XXXX XXXX. The total amount paid was to settle the account with XXXX. I provided supporting evidence of the payments including a copy of the settlement agreement, my bank statement showing the payments, and disputed that the balance was incorrect, the payment history is showing these payments as not made, and it doesnt show the account was even transferred to the collections company. Yet after multiple disputes with proof all three credit bureaus certify they investigated it and that it is accurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this is the second Time that I've been a Vitim of identity theft I've made a police report a while back ago now this pops up, with XXXX/ XXXX Account # XXXX for the Amount of XXXX this account is fraud I did not give any consent or did I authorize this account This Account is due to fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Bread Financial Holdings, Inc.
State: IL
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  XXXX, has violated my rights ; 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Violation of TILA 15 U.S. Code 1666 ( b ) Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose If you are unable to provide me with a copy of the verifiable proof, you must also update and/or remove the information listed above. Additionally, failure to respond satisfactorily with a free copy of my report after the changes have been made will result in the above actions being taken against your company in small claim state proceedings ; I will also be seeking monetary relief of {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent infliction of Emotional Distress 3. ) Violations of 15 U.S.C 1666 ( b ) & 15 U.S.C 1681

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been in communication with XXXX XXXX, From WF Research and Remediation Analyst, Her contact information is XXXX, extension XXXX, M-F from XXXX to XXXX Central time. 

Since XX/XX/2019 I had requested to Wells Fargo for a co-signer release for my XXXX. 

My XXXX had graduated 4 years ago, and made her payments dutifully. The glitch came in on that month upon completion of her XXXX degree in XXXX ; her deferment ended on XXXX of that last semester ; consequently she entered XXXX of XXXX program started in next semester of XXXX. 
Although she called Wells Fargo to inform them of the 1 month interlude and entering XXXX program for continue deferment status, she was not made aware of only 1 payment was necessary for XXXX. Thus she was late in ONLY 1 payment. Wells Fargo notified her immediately in XXXX, and she paid immediately the interest for that month. She thought everything was okay. 

Now 3 years later, per her conversation with a Representative she was informed that she could released me as a co-signer with her excellent payment history. Yet, They deny her that cosigner release due to that misstep from that one late payment with the additional reason that this is a benefit and not automatically granted.

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 2018-07-25
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There are scammers out there depositing fake checks into peoples accounts. I think that all the banks should hold the check for at least 5 days before releasing the money especially for people opening new accounts those are the main ones getting targeted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Westlake Services, LLC
State: FL
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:
In XX/XX/XXXX we bought a used truck from a big car dealership in XXXX Fl. They financed it with XXXX, big office in XXXX. The truck was paid off in XX/XX/XXXX. We have the title, someplace. In XX/XX/XXXX the registration had to be renewed, we could not do it on-line, as we had done for 10 years. I went to Florida DMV and they could not renew the tags because there was an electronic lien on the truck. WFS/Westlake financial services, we never had a loan of any kind with them, had placed a lien. We can not sell, donate, give away this truck or renew the tags with their lien on the truck. I called customer care (? ), was put on permanent hold, after endless transfers, they only wanted my loan number, don't have one, nobody knew about electronic liens, nobody had a name, was hung up on three times. My truck is being held hostage by WSF/Westlake financial services. At some point, I will get a bill to release the lien. If you are buying a car, motorcycle, anything, do not use WFS/ Westlake financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020 i found i was in a forbearance status with Dovenmuehle Mortgage. i immediately called them and caught all my payments up. In XX/XX/2020, They were dishonest in the manner in which they put me into forbearance and actively called me to ask if i want to suspend payments for 90 days with no penatly. They never mentioned a forbearance status or anything of the sort. I am trying to refiaqnce with another lender and can not do so, because of the forbearance status placed by Dovenmuehle. 
I paid my payments, i am 100 % current, any have left 4 messages with their representatives for a supervisor to call me, I have also logged into their website and left 4 emails, all since XX/XX/2020 and no one will respond. I have been on hold for hours, no one answers. 
It is my impression they have abused the forbearance rules recently enacted and now are willingly neglecting responding or removing me from such a status or program, despite my repeated attempts. 
I have called XXXX and can not get through to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
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:
Experian and XXXX Are both reporting an invalid late payment against me. The entity listed isnt even the correct state. I notified both credit reporting entIties and disputed the transaction. I provided a recent transaction statement which shows that the account is not late or past due whatsoever, directly from the ACTUAL STATE entity. Experian ruled in the entities favor stating that they validated the debt. How could they possibly validate a debt that isnt correct when I have a current active transaction 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 2020-12-08
Company: Reliant Capital Solutions, LLC
State: SD
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 am in default. Started the default resolution program in XX/XX/2020. Made {$10.00} payment ( only required {$5.00} ), then the virus hit, and president order went into effect. Made another {$20.00} payment in XXXX or XXXX. 

Keeps being reported as late payments on all 5 accounts even though thats not the case. Program should have ended in XX/XX/2020 and it didnt until XX/XX/2020. 

I have disputed with all 3 major credit agencies as well is US Dept of Education and the collection agency to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I am currently in a chXXXX bankruptcy filing status which XXXX  is aware of and they have continued to report payments as late after my bankruptcy filing.

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