BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-26
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I was locked out of my Way2go account. This is a company under CONDUENT. They informed to call customer service. I called and they gave me the procedure to follow. I emailed them all the verification documents they needed. They still are withholdimg my access with no further justification. I come to find out they are rated F w/ the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Lender improperly moved for foreclosure judgment or sale before   one of the following occurred : ( i ) the institution notified the borrower that it had denied the loss mitigation application for any loss mitigation o and if an appeal is available, either the appeal period had expired or the appeal had denied ; ( ii ) the borrower rejected all the offered loss mitigation options ; or ( iii ) the borrower fails to perform under a loss mitigation agreement ( 12 CFR 1024.41 ( g ) ).
Currently in review for modification and citing " dual tracking ''.

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 2020-09-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to unfreeze my account for over a year and after sending more than enough information to verify who I am to XXXX, GA. They still have my account frozen. I do not want this company ever doing anything to my account again. The freeze that I put on there was only meant to be temporary. The information was sent certified priority mail. I am a XXXX vet and I do not have the extra income to keep mailing EQUIFAX redundantly about unfreezing my account. No one attempting to access someone elses account would be going through these measures. 
I do not understand how the company could allow data breaches but I the actual account owner can't manage or control my own credit report. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Debt Recovery 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: Old information reappears or never goes away

Complaint:
The company DRS has flagged all 3 of my my credit reports as of XXXX XXXX stating that I just opened and defaulted on account with XXXX   XXXXIt says I opened the account on XX/XX/XXXX. This is an old account approx. 7 years ago that was paid off and the total was a lot less. I have contacted the company. any times and was told they couldnt or wouldnt correct the dates. I have disputed this approximately 5 or 6 times and they keep updating my date the account was opened every mth. They will only say the dates are correct and they will not change the errors. This has caused me great financial strain during this pandemic and lack of money. I have been unable to get a loan or new credit card because it says the defaulted account is recent.. Please help me. They also have another account for {$640.00} with a date of XX/XX/XXXX as the date the account was opened as it was just opened and I think it is the same account as above already listed just a different amount and date opened but both incorrect dates are for current dates and wrong ... that they reported to all 3 credit bureaus the account date opened and flagged as it was just opened and defaulted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Some credit agencies have my address as a XXXX address. That is not my address that is my fathers address. Mine is XXXX XXXX not XXXX. I 've attached proof of identity and address. My drivers license

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card
Issue: Delinquent account

Complaint:
The credit report listed an item : XXXX Serious delinquency. When I contacted consumer finance, the agent said that Bank of America reported I was delinquent on several credit card payments. I contacted Bank of America and they said that they only had a checking and savings account under my name on file. XXXX these accounts were closed years ago and they do not have record of me having a credit card with them. They said they could check archives, but because all of my accounts are now closed, they should not be reported as delinquent in any credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a mortgage from Primary Mortgage Residential, Inc sometime in XX/XX/2015. I made my first mortgage payment a couple of weeks latter which was not due until XX/XX/XXXX. They never applied the payment to my account. I noticed this 1 month after making the payment and asked them what happened and they said it will be applied. They sold the mortgage to XXXX XXXX and I still do not see the payment applied to my account. 

I do n't know where my money is and why it has not been applied.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
Keep getting calls to come buy a car with a warranty on XX/XX/XXXX I finally went to the company and got a XXXX XXXX XXXX signed the paper work the same day the car left me in the middle of a intersection car wouldn't excellerate finally after pressing the gas to the floor XXXX I got out the middle the road the rpms going up no power car whining got it home took it to the dealer the next day after I tried to have it towed bc it was doing the same thing Tuesday I broke down I called the dealership they told me to call the number on my paper work that I have free towing under warranty I called to have it towed it was not covered under warranty I got the car back to the dealership told them to cancel the purchase because the car is faulty they would not cancel I left the car there XXXX XXXX  I get a call from XXXX to come pick my car up that the auto sales dealer told them to call me to pick it up so I did I took it home didn't get any paper work on the vehicle until Monday comes down to it it needs a complete new transmission the company that sold me the vehicle told me I did something to the vehicle they won't cancel at all the car broke down 22 hours after haveing it the warranty that they sold with the XXXX will not cover the repair bc they said it was the car dealership responsibility to fix since it was pre existing when I bought the vehicle I am now without that car haven't had it since I have really done the paper work bc it breaking down and they charged me {$32.00} for a vehicle I don't have I have XXXX children and a XXXX mother that car could have costed us our lives the dealership won't even let me trade the vehicle I asked them to trade the next day after buying the car these people won't call me back telling me to make sure I pay for the car even though I don't have the vehicle please help me it's going to ruin my credit these people sole me a very faulty dangerous vehicle the gas pedal stops working on it on top of all the other stuff I wrote about this XXXX XXXX XXXX from XXXXXXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2020-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 have checked my credit report with XXXX, XXXX, and XXXX  and discovered a fraudulent account in my credit report. I am a victim of identity theft, and Bank of America account ( acc no : XXXX ) was opened fraudulently without my permission and concern. I disputed this account with the credit reporting agencies, and I got a result that this fraudulent account has been deleted from my credit reports. But recently, I got a letter from XXXX  reporting agency that Bank of America is reinserted back to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Billing statement

Complaint:
Capital One sent me an email telling me they had unenrolled me from paperless statements when I missed a payment. A couple of days later, they sent me an email stating " Thanks for enrolling in paperless statements. '' I did not re-enroll in paperless statements. Enrollment in paperless statements requires consent for purposes of XXXX, which I did not provide. Accordingly, Capital One is violating XXXX by enrolling me without my consent. Further, TILA does not permit creditors to condition delivery of periodic statements on paperless enrollment. As such, failure to send a paper statement in the absence of XXXX consent constitutes a violation of TILA 's periodic statement rules. I believe this issue is not unique to my account, and it is likely that many consumers were enrolled in paperless without their consent and have not been receiving statements properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
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:
It has ben XXXX months now that I have tried to fix my credit and these the credit bureaus have not helped much! In fact they have ben violating my rights under the FCRA! Below I attached all my attempts to fix this issue through letters! I am desperate to get credit lines so I can pass by these hard times! I am seeking help from the CFPB because I dont know what els to do! 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Vengroff Williams, Inc
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
A truck was rented and stolen from XXXX by an individual that used my credit card and impersonated me over the phone. There is an active arrest warrant for this person. XXXX advised me to call my credit card company, XXXX Bank, and dispute this transaction. XXXX XXXX investigated and credited the resulting charges back to me. I was verbally informed by XXXX loss mitigation that I had no outstanding balance. This was in XXXX of 2014. This year I have been contacted by a collection agency and was advised that XXXX is trying to collect the fraudulent charges from me. I called XXXX and they were no help and told me that the charges were my responsibility even though they were fraudulent. The total amount they are trying to collect is {$1200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: VIRTUOSO SOURCING GROUP, LLC.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I discharged a debt in chapter XXXX bankruptcy that was owed to XXXX XXXX XXXX College. Despite this fact this debt keeps being sold to new collection agencies and I keep being contacted in an attempt to collect this discharged debt. I have informed XXXX previous collection agencies that this debt was discharged in bankruptcy and included as a listed creditor in my bankruptcy. Instead of this being the end of it the debt just keeps getting sold to a new collection agency and I 'm again contacted.

Company response to consumer: Closed
Consumer complaint received 2015-07-08
Company: EQUITY RESOURCES, INCORPORATED
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
The company put several ( XXXX ) hard hits on my credit and still refused me a loan. Since then, another company denied application because of the hits. Why did my credit get hit so many times?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Experian Information Solutions Inc.
State: PA
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
back in 2017 Equifax had a data breached which caused my personal private information to be leaked. Due to this discrepancy, someone has opened a lease on an apartment which I have never been associated with or lived in. This is a cause of identity theft. 

The current balance is {$5500.00} and the original balance was {$5900.00}. 

Please rectify and delete this fraudulent information from my consumer 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 2022-02-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, 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:
Equifax has reported incorrect information to my credit file and refuses unlawfully to remove it. XXXX XXXX credit card services incorrectly charged me a late fee and added missed payment to my file. on XX/XX/2022 XXXX XXXX caught mistake and issued XXXX late payment reversal credit to my account ending in XXXX, also removed late payment from file. After reporting this to EQUIFAX and providing proof they still have refused removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a joint mortgage with this institution with my ex-husband. The dwelling has been transferred to solely me since XXXX as it was decreed in the final divorce agreement. My ex husband filed bankruptcy, but I was in no way involved with his bankruptcy claim and am currently ( and  have been ) paying on the debt that he defaulted on so have not been able to refinance. Every time I contact my bank, for any reason, I have to be transferred to the bankruptcy department, which always takes an inept amount of time and I never filed bankruptcy. I have to explain it every time I call the bank. On XX/XX/XXXX, I spoke to a representative named XXXX who said I could go through the Assumptions department and get my ex-husband 's name removed from the loan, so I was transferred to XXXX XXXX in the assumptions department. She explained that his name could be removed and gave me a list of estimated fees that would be associated with it, that totaled nearly XXXX. I asked for a written estimate detailing all of these fees, to which she stated she could not provide it, she could send me an email with " what to expect '' in the loan process, but that was the only thing she could provide in writing to me. She stated that none of the parameters of the loan would change, the interest rate, date that payment is due, etc. would change, the only change would be that his name would be removed from the loan, and the fees would be an out of pocket expense for me. I think this is an extremely unfair business practice, as I am already paying the debt he defaulted on, have not missed a payment on the mortgage and have remained in good standing with the bank throughout the entire process. I don't think that a written estimate is an outlandish request, and think that it is ridiculous to request almost XXXX to remove a name from a loan when the dwelling is not listed in his name anymore and has not been since 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 2022-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank of America again locked my company account for XXXXXXXX XXXX transaction for gas. This is the 4th time in two months. I have called the bank each time and yelled at them. They are not doing this to protect me, they are doing this to protect themselves. This time they blocked the card XXXX XXXXXXXX in the morning. I have now had to have to accounts for my business, just in case the card doesnt work. Further causing me issues with Taxes. This company promised me they would never block the card again, but they did. They now need to be penalized for this activity, and cost to the customers, for your security policy.

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 2020-09-26
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was in contact with bank that financed car and advised that I had been affected by corona virus by reduced hours from XX/XX/2020 to XX/XX/2020. We were required to exchange shifts with each other so that all were allowed to have at least some hours until logistics were figured out for working from home. We were only allowed 10 people per shift. Bank stated they would give me a two month extension due to issue. On XX/XX/2020 I received notification from credit bureaus that my account with Santander Consumer USA Inc had been paid in full due to natural disaster.

Company response to consumer: Closed with explanation