BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 asked the credit bureaus to show me how they have validated the negative accounts & the bankruptcies on my credit report. i have sent them letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated. in addition, XXXX County Courts do not verify bankruptcies via 3rd parties, so how are they being validated as accurate? no proof has been furnished to support the accuracy of these accounts being reported.

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 2019-07-19
Company: LD Holdings Group, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
put in some information on line like name address number and it never asked me to pull my credit and the person on the phone XXXX XXXX Licensed Lending Officer NMLS # : XXXX Pulled my credit without my permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
Discover credit card account ( ending # XXXX ) was actively used and had a {$0.00} balance. Despite such status, the account was closed. Upon information and belief, the account was closed in violation of the Equal Credit Opportunity Act for discriminatory purposes. A class action lawsuit is being considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Sequium Asset Solutions, 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: Account status incorrect

Complaint:
Sequium Asset Solutions has placed a collection account on my XXXX  credit report. I have called and spoken with them on 4 occasions and they say they can't find anything on me. The collection is for XXXX XXXX/XXXX  which I have never used their services. My last conversation was Sequium was going to get back with me which they haven't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Critical Resolution Mediation LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received multiple calls from both a local number ( XXXX area code ) as well as calls from the XXXX area ( XXXX area code ). I have answered and spoken with the representative to request a cease of contact and have been still receiving calls. I have worked tirelessly over the past several years to satisfy all outstanding debts and collection accounts and have pulled my full credit report multiple times. The debt in question is posted on my credit report as " legally paid in full for less than original amount '' which should have ceased collection. I have notified the collection company " XXXX XXXX '' that the debt has been settled and to please stop calling me. Phone calls have been from XXXX and XXXX over the past 2 weeks. Even after telling them that the amount has been satisfied, they say I still owe over {$7000.00} for XXXX XXXX. Only remaining collections on my account are XXXX overdue bill and XXXX XXXX overdue bill ; both have been paid and satisfied.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received a Room to Go store credit card under a zero interest promotion for 3 or 5 years. I would have to look at my paperwork. As I'm paying down my balance, Synchrony Bank is moving amounts to a separate " purchases " balance that has no date and is accruing 29.99 % interest. Every month this miscellaneous purchase amount increases so as I'm paying it down, more interest is added to the account. Again a card that us currently under a zero interest promotion. Synchrony balance chased my account to the point of closure but as I continue to pay this account I want to know what this miscellaneous purchases is and why it increases every month and why is there interest. I did not make any purchases outside of the promotion.

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 2018-04-16
Company: BBVA FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I signed up for a BBVA Clearconnect Checking account for a {$200.00} cash bonus. The terms stated : Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.

My account timeline : XX/XX/XXXX : Applied for account XX/XX/XXXX : Deposit was processed to account XX/XX/XXXX : Account was approved XX/XX/XXXX : Initial {$25.00} deposit appeared in account XX/XX/XXXX : {$300.00} Direct deposit from my employer was deposited in account ( 60 days from XX/XX/XXXX would be XX/XX/XXXX) XX/XX/XXXX : I sent a secure message online inquiring about status of the bonus XX/XX/XXXX : Receive response from XXXX  apologizing for the delay, reconfirming the bonus requirements, and now stating it takes 90 days from meeting the bonus requirements.

XX/XX/XXXX: I sent a secure message online XX/XX/XXXX: I again receive a similar response with the bonus requirements, apologizing for the delay, with a case ticket number XXXX  asking me to allow 24-48 hours for a follow-up reply. This message also states that it will only take 60 days from meeting bonus requirements for bonus deposit.

XX/XX/XXXX : I send a follow up since there was no reply after a week.

XX/XX/XXXX: I receive a reply from XXXX  apologizing, claiming a high volume of emails causing a delay in response time, and if I would like to talk to the bank to please call them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-04-09
Company: CAINE & WEINER COMPANY, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is my second complaint as you all investigate in. 2019 abd I was told it was closed snd removed I have paid this account in full with Caine and Weiner fir 142.00 and it is still showing on my CBR. I need this removed for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The company is Comenity. Since XXXX have repeatedly tried to make payments on this card and have been told my phone/made payment went through and it did not, I have been hung up on, I have been told that they are experiencing customer service problems and that payments are not being accepted, and my card is repeatedly being refused. The interest on the card is skyrocketing and I can not believe this is legal and nthing is being done about such a large company. How many thousands of dollars will they be allowed to scam people out of before the government does something??? Also, this whole thing began with our having multiple instances of identity theft with the card and then the company went down and stayed down!!!!! Come on, is there no protection for the consumer out there anymore? I guess I will have to go to the media to be heard. Squeaky wheel and all that. I pay my bills honestly, I would think this grift-company could take my business seriously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-04
Company: ONLINE Information Services, Inc.
State: FL
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 recently obtained a copy of my credit report and noticed some inaccurate information. Online Linformation SVC is reporting a debt that I owe ( XXXX ) in the amount of {$250.00}. I have never had any accounts with this creditor and have made several attempts to clear the matter with the company. The company has not provided any proof that the debt is mine and refuses to correct the information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
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:
I am writing to dispute the following information in my file. The items I dispute are listed below. I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have tried to add Capital One credit card to XXXX XXXX as an authorized payment option but needed to verify before it could be added. I contacted Capital One and was told the only way to verify the card for use with XXXX XXXX was to download and install their own app. In my previous phone I added and authorized this card without adding their app. 

Capital One has no issue with accepting my payment on online and offer their own virtual card on their site. I don't want Capital One 's app on any of my devices and don't think I should be XXXX in adding it to my phone. I try to limit the amount of applications and programs to reduce my data collection and think I and other people should be able to add any credit card without adding unnecessary programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo has misapplied the funds of my escrow. I had a feeling that one day they would this happen. I have labeled everything on my check, and enclosed the letter stating apply to my escrow and continue to misapply the funds. 

I have enclosed Wells Fargo statement showing and stating it is unapplied funds. 

What is it going to take for this company to stop making these kind of mistakes when the letter and my checks state to apply towards the escrow, unless someone does not know how to read. I see this was done intentionally.

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 2021-04-09
Company: Experian Information Solutions 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:
Experian is has 2 XXXX XXXX accounts on my credit which is basically the same loan and has 2 different charge offs. This was 1 account and should have stayed under 1 account regardless of it being transferred to another branch. I have 1 account that 45 charge offs then another with 61 charge offs which means the debt was sold 61 times? Now it is also reporting that it is in collections now after being charged off. How is that possible? I have asked for these accounts to removed from credit report numerous times. Experian just reaches out to the creditor and they write a statement and nothing gets resolved. If Experian just took the time to look at my report they will see the information is inaccurate. I am asking that these accounts be deleted and removed from credit report immediately.

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 2022-01-11
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I went into the store to purchase some items and they offered to open me up a perk reward card that gives points off each dollar is spend to build coupons but instead they opened up a credit card fraudulent. I had just turned XXXX XXXX XXXX so they took advantage. Me and my mom went back into the store and returned the items and explained to the manager that they shouldnt have opened this card and they lied and said it was a store perk card. The information they had in the system was partially made up and the manager was really nasty and said they have to have their credit card numbers up etc and my mom said well yall wait on young girl and prey over them and lie and say perks. I honestly thought because we called and went into store several times that the issue was resolved but then I got a call today XX/XX/22 saying i am behind XXXX and i ask how because i returned all items when i realized what they did and called to cancel the same day and went back into store. I honestly just want them to erase this information being that it was fradulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was diagnosed with two different types of XXXX in XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX and a XXXX XXXX XXXX XXXX., XXXX on the XXXX scale. 
I went through XXXX and XXXX XXXX XXXX XXXX, the longest 9 hours, to make me a new XXXX.Also 30 nights in hospitals My adjustable loans were planned to become fully amortizing around XX/XX/XXXX. 
In XX/XX/XXXX, I called, went down to the branch, a year ago and wrote to bank of America for a modification to get me back on my feet ... now a full 3 years later it looks like I have beaten both. 
I have been moved from associate to associate and repeated times been asked for the same information, which was lost or " not legible. ( which I have always provided ) In the month of XX/XX/XXXX along, I called, sent e-mails and faxes over 100 times. 
I am 100 % on time with everyone on my credit report, inspite of what I went through. 
I have been a customer of Bank of America of almost 40 years and have never been late on a payment. 
I have heard many horror stories as to Bank of America telling customers, in a predatory fashion, that don't worry " we are here to help '' and the next thing you know they are foreclosing. 
I want to do the the right thing but I need another XXXX lb XXXX on my side ... I'm just asking them to work with me.When I ask for answers, help or a plan ... .they keep pushing out the potential for an answer another month..now we are to XX/XX/XXXX ... ..a full year since I requested assistance.This is not what XXXX XXXX had promised XXXX XXXX and I'm sure congress got the same reassurances from this gentleman that modifications would be handled promptly and the customers contact would be limited to one B of A contact ( I have had close to 10 ). 
Where is the help from tis company that I have been with 40 years ... I'm I becoming just another " mark '' for predatory banking.

During Hurricane Irma, I was given a three month forbearance ... .The Bank  representative said that that money would be put on the end of the mortgage ... I'm know getting indications that the money they differed is due now. This has to be rectified, as well. 


Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company does not have permission to place a collection on my credit file, nore do I have any accounts with a XXXX XXXX and never have. I received a very obscene phone call from a person by the name of XXXX. He told me I have a debt come XXXX XXXX and I needed to pay him {$500.00} now over the phone this call was onXX/XX/2018 and if I didnt then he would place it on my credit. I told him that I DONT or have I never had any accounts with that company. I advised him that he would need to send me proof and he then he disconnected the call. I woke up the next day with a notification stating this company has placed a debt on my credit file and the date was opened in XXXX. I have spoken with a attorney and it has been determined that this company has illegally placed a debt on my credit and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: Santander Consumer USA Holdings Inc.
State: IL
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:
In the year 2017, I was taking a look at cars through " XXXX XXXX XXXX XXXX XXXX '' and I realized the company ran my credit through financing companies I did not know about or ask for. The only thing I requested was for them to run my credit through XXXX XXXX on XX/XX/2017. 

The companies they applied for ( without me knowing ) left me with a lower credit score. Hard inquires will stay on my credit report for about 2 years but I would like the freedom to be able to apply for more credit without deducting too many points from my score. I am very mad that they did that to me without my consent. 

My complaint is that I would like the following Hard inquires removed from my credit report : -XXXX  XXXX XXXX, XX/XX/2017 -XXXX XXXX XXXX XXXX XX/XX/2017 XXXX, XX/XX/2017 - XXXX XXXX, XX/XX/2017 2017

Company response to consumer: Closed with explanation