BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-11-02
Company: SUNCOAST CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my Suncoast Credit Union Account on XX/XX/2023 from a friend referral online. I subsequently referred out several other members to apply for based on a promotion available to SunCoast Credit Union members. At the end of XX/XX/2023 I notices I was not able to access my online account. Since that time, I have contact Suncoast Credit Union XX/XX/2023, XX/XX/2023, and XX/XX/2023 and been told each time my account is currently under review and due to not being a resident of Florida I do not appear to be eligible to an account with SunCoast Credit Union. I am seeking resolution on having access to my account or funds returned and account closed. It seems illegal to hold account funds for a consumer that is not eligible. Either way, 45 days is an unacceptable amount of time to not have status to my account or access. I am seeking resolution of my account review by Suncoast Credit Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been trying to get our mortgage escrow account canceled since XX/XX/XXXX. Despite numerous calls and emails, BSI has repeatedly failed to respond to us. BSI 's poor communication and business practices have resulted in double payment of HO insurance and property taxes, resulting in funds missing from our escrow account. Because our escrow is now negative, they refuse to cancel it and continue to bill us each month to fund it. We call and get promises to escalate and get back to us, but nobody ever does. When we follow up, we find that nothing has been done and we're given more promises that aren't kept. We've followed every request they have made, provided all information they have asked for, and yet BSI has done nothing to resolve the situation or even call us back. The one time we got a call - after escalating to a BSI executive ourselves - we happened to miss it. Despite calling back 6 minutes later, the person didn't answer and never returned our call. Tried again the next morning. No pickup, and no callback. 

Bottom Line : BSI needs to return thousands of dollars to our escrow account, and cancel it per our original request. After 8 months, it's obscene that we can not get a resolution or even reasonable communication as repeatedly promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Wednesday, XX/XX/XXXX I made a mobile deposit for {$3000.00}. When making the deposit it said {$220.00} would be available on XX/XX/XXXX and the balance would be released on XX/XX/XXXX. Yesterday I received an alert in the message section of my Wells Fargo account stating due to an irregular signature they will hold the check until XX/XX/XXXX. My mortgage and lights are past due. My lights will be disconnected tomorrow if I dont make payment! I went into the branch today to verify my signature and the bank teller says the signature is the same and initiated an escalation.

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 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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  Credit Bureau, and Capital One continues to not report correctly for Capital One x XXXX XX/XX/2018 showing 1 month late. It was never late, and I need it corrected. 
I have called Capital One, they have no archival files, can't reach a credit contact and XXXX  is someplace else and keeps trying to verifty never gets corrected I need it corrected as Never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts listed. I don't have any medical debt, nor did I go to any doctor. Additionally, these medical companies supplying data to the the bureaus is in complete violation of the fair credit reporting act. I am not a credit repair company nor a mortgage company, but looking at the laws, I know this is a violation. Please remove them immediately. This also applies to the inquiries that are listed in this report as I did not authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I have sent out letters to all three bureaus Equifax, XXXX  and XXXX  about inaccurate items reported on my credit report. It is going past 60 days and I still have not received a response from either of the bureaus.I feel like I am being ignored and demand a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: WHEELS FINANCIAL GROUP, LLC.
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:
XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/2014 IS A FRAUDULENT ACCOUNT AND DOES NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have tried several times with dispute letters to have this information removed from my credit report. This information has been housed, furnished, and delivered to other companies that are reporting this information without my consent or knowledge. Not only are they reporting it, but it has also been given to other companies outside of my knowledge. This can of reporting I thought is against the FCRA. There are accounts attached to this bankruptcy that being reporting on my report as well.

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 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Well I called transunion and I called XXXX could not speak with anyone at XXXX for some odd reason but I submitted disputes and everything and the information is still on my credit report that is not correct and that is being double reported that is not correct to begin 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 2020-09-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I was notified that my loan was being transferred. I called Carrington Mortgage to cancel all pending ACH debits attached to my account. Instead of cancelling all ACH debits, they continued to debit my account of almost {$1300.00}. I had already begun making payments to the new mortgage company effective XX/XX/2020. I was told by Carrington they could not return the money to me even though it was their fault all of the ACH debits were not cancelled as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: CITIBANK, N.A.
State: CA
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: Was not notified of investigation status or results

Complaint:
ON MY CREDIT REPORT THERE ARE FEW FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. THESE ACCOUNTS DON'T BELONG TO ME. THESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT.

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 2019-10-12
Company: UMB FINANCIAL CORPORATION
State: MD
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:
UMB Bank administers my HSA. They enrolled me in paper statements at a rate of {$1.00} per statement absent my authorization. The bank refused to disenroll me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I own 2 investment properties in Hawaii which are used as vacation rentals, both of which are financed through LoanDepot. Due to Covid I have not been able to rent the units. For several months I paid the mortgages timely. Finally I had to request forbearance on both loans. I continued to pay the escrow ( taxes and insurance ) on both with no problems. 30 days ago the problems started. I called like usual and started getting the run around. It took 2 hours to get someone to apply my payments. I then discovered today that the payments were not applied as requested and agreed upon. After an hour on the phone again today, my payments remain misapplied and Im still unable to make payments on the escrow accounts. Collections will not process my payments, they transfer me to customer service. Customer service wont process my payments, they transfer me to collections. Its the most frustrating and bizarre thing Ive been involved with when trying to make a loan payment on an escrow account. Im trying to keep my escrow accounts current so at the end of forbearance its more palatable to try to bring the accounts current by only owing the principle and interest. A manager/supervisor was supposed to call me this evening to get this resolved but never did. This is the second month with the same problem anyway. Someone further up the food chain needs to address the game playing and put an end to it. Its a systemic problem. Having financial difficulty due to Covid is more than frustration enough without having to deal with manipulation or ineptitude by a lender in addition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Americor Funding, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On Tuesday XX/XX/2020 I called the company called Credit9 at the number XXXX due to having received mail correspondence to my home address about being pre-approved for a personal loan. I spoke on the phone with a female representative of the company named XXXX who explained that her title is adviser. I was informed by Ms.XXXX that I will be approved for a personal loan, and that all I needed to do was provide my personal information, such as my full social security number, date of birth, home address, and full name. By providing the information I will be approved for a personal loan. Ms.XXXX informed me that she was going to send my information to a department called underwriting and will call me back at later time in the day to inform me of my approval. 

At approximately XXXX XXXX. eastern standard time, Ms.XXXX   called to inform me that my personal loan was not approved due to the reasons of a high amount of credit utilization and high amount of debt to income ratio. Which was not mentioned before I gave my personal information, and was not disclosed to me as a factor in not being approved for the personal loan. I never agreed nor was I informed about this factor preventing me from being approved. When I asked Ms.XXXX  to issue me a letter in writing for the reason of my personal loan not being approved, she informed me that it is up to her manager if one can be written and was not sure if she can write it. She informed me that the manager was busy and will reach out to me when possible. 

I am writing this complaint because I view, discern, imply and interpret this matter of business that Credit9 has conducted as deceptive practice and breach of verbal contract. I can prove that I have a clean credit report and have always paid my payments on time to all my creditors. So to be told that I am not approved for the personal loan and having my personal sensitive information be given to being assured and informed that I was going to be approved for a personal loan is deceptive and fraudulent. I am entitled to being issued my personal loan from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I have previously disputed a bankruptcy showing on my Experian credit report although I provided clear proof that the XXXX county courts confirmed they do not and have not provided this information to Experian .Experian refuses to remove most recently stating the information was received from XXXX XXXX I have contacted XXXX XXXX and confirmed there is no bankruptcy in their records as Experian has indicated my most recent Experian report number XXXX copy attached listed the bankruptcy and XXXX XXXX as the source This is a direct violation of my credit reporting rights to have true and accurate information in my file

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 2021-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The date is XX/XX/2017 The amount is {$3100.00} dollars. 
I informed the company capital one that I lost my job and then hurricane Harvey hit so that put me behind but the company wasn't trying to hear that and I believe that's not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I initially started the process of buying my home back in XXXX. My mortgage started with GMAC and then was sold to Ocwen and then PHH mortgage. My purchase home price in XXXX was XXXX. When my mortgage was with OCWEN I was quoted a a mortgage payoff of XXXX. Now PHH mortgage is telling me my mortgage is back at the original price of XXXX after almost thirty years of making payments. They quoted a refinance I did back in XXXX as the beginning year of buying my home. Would you please look into this matter for me. My loan is in preditory status. I would like to pursue class action lawsuit against all three mortgage companys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Lending Club Corp
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Hi i applied for a American ExPress Credit Card. XX/XX/2020, the gentleman on the line explained i put a fraud alert on my account threw XXXX i need to give him my correct phone number to be able Open My Fruad alert Account to go forward with the application. i decided to wait intil XXXX  updated my Personal information before i get another inquiry finally my personal information was updated A Month and half Transpired i decided to go forward with the application on XX/XX/2020 only to be denied Twice. when i have a Good credit Score. on top of that there trying to lower my credit score could you please help me I will Mail in any supporting Documents When I receive them from XXXX thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: NCB Management Services Inc.
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:
NCB Management has been calling 2-3 times a day M-F, for the past XXXX months, even after I have told them over the phone and through email that I don't owe any debts to anyone. 

They call from multiple phone numbers : XXXX, XXXX, XXXX. These are just a few. I think in total I've counted 6 different numbers they've used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the fair credit reporting act US 15 Code 1681B permissible purpose of a consumer report A consumer reporting agency may report information only if the consumer gives written consent I have not authorized this company to report no consent is identity theft According to the FCRA Information giving to a creditor should identify the identity only of the consumer not the relationship with a creditor thats a violation of my privacy XXXX  has furnished information that is indeed inaccurate I have sent numerous of letters pointing out the inaccurate incomplete reporting I was recently denied by XXXX XXXX XXXX XXXX Due to inaccurate information listed on my reports I asked for reconsideration and was still denied, I have all letters sent to all bureaus I will furnish them upon request It has been over 30 days I have received no response from XXXX, Equifax, or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: GREAT LAKES
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have several months that are not being reported to the credit bureaus that shows my account as current for all months. The missing months includes that following : XXXX XXXX, XXXX XXXX, XXXX and XX/XX/XXXX, and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation