BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: MD
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:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I still have not received the correct respond yet. I have asked numerous times for your company to send verifiable proof which is an ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT!! I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigations due to the stress you have cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-10-28
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent 2 principle payments to The Money Source to the address that they provided for sending cashiers checks for such payments. Thy have confirmed that these have been received on XX/XX/2021. However, as of today they have yet to apply the payments to my account and have indicated that they are moving the checks internally ( initially they indicated they were sent from CT to AZ and now they indicated they were sent to TX ). I have had numerous calls with no clear timeline or path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have been with Regions bank of Arkansas for a few years now and havent had any issues, until recently. The bank keeps charging these monthly fees and takes my money out of my checking account to cover these fees. The monthly fee is {$8.00} and every month they keep taking it out of my checking to cover it. Im no longer working due to my XXXX and am trying to save whatever I have. I can not live by if they keep charging me these fees. The fees will continue to be taken out of my checking until I am in the negative. Whenever my XXXX gets approved I need to have my checking account open for direct deposit. When it comes, that money will go to the coverage fees. I can not have this happen.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. I do not understand why they are abusing consumers .This 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 Transunion more than 21 times. transunion 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 XXXX  year old 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 2020-04-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My mortgage is currently serviced by Select Portfolio Servicing. The loan was previously modified by XXXX XXXX XXXX. Since the loan servicing was transferred from XXXX to SPS, they have refused to report the debt to the three credit bureaus ( XXXX, XXXX  and XXXX XXXX ). The lack of proper credit reporting has caused my credit score to drop significantly. Per the FCRA 15 USC 1681 -2a ( 1 ), there is a requirement to report all information based on total accuracy. The information reported has been inaccurate in the past and conflicts with prior disclosure issued. Per the FCRA it is also illegal to park or re-age old debt on the credit report. The Federal Trade Commission also requires that the proper and transparent information be disclosed during the collection period of a debt. Ownership of an alleged debt must be properly disclosed per FDCPA rule 803 ( 6 ) ( b ). Per the FDCPA and FCRA rules cited within, I am requesting that all debt ownership information, accounting and payment history be disclosed since the loan modification was completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Exeter Finance Corp.
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX 2015 I successfully refinanced my Auto loan from Exeter Finance Corp to a XXXX XXXX XXXX. On XXXX XXXX 2015 they ( Exeter ) 'cleared ' that there was an overage amount of {$490.00} that was due to me. Exeter stated that it would take 30-45 days for the overage check to be issued and sent to me. Exeter stated that on XXXX XXXX they had sent the overage check. After a period of approximately 7-10 business days, I had still not received the check. This is a beyond reasonable time frame for standard ground mail to travel from XXXX, XXXX ( Exeter 's location ) to XXXX, XXXX ( my location ). I made contact with Exeter on XXXX XXXX 2015 and stated that I had been more than patient in waiting for my money and arranged for the previous check to have a 'stop-payment ' issued in order for Exeter to issue me an ACH/Direct Deposit of the funds directly to my bank account. I called again on the XXXX, then the XXXX to check on the status and see if my direct deposit had been issued. Exeter stated they were still waiting on the bank to verify they could 'stop payment ' of the initial paper check. I continued to wait and then called again on the XXXX of XXXX to check the status of the direct deposit. Much to my shock and irritation, they still had no new information to give me. I called again on the XXXX of XXXX to try and illicit a response regarding this issue. Exeter informed me that a second paper-check was mailed out on the XXXX, despite what we had agreed upon and specifically noted on my account on XXXX XXXX. I continued to wait and on XXXX XXXX I called again very frustrated that I had still not received either the initial check which had a stop payment issued nor the second check which was sent on XXXX XXXX. I was blown off with a response that said there was nothing they could do once the check was mailed and that it would ( again ) take 7-10 days for the check to arrive. It is now XXXX XXXX, over 2 months since I paid the account in full and have still not received my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I moved into my current home six years ago. Almost immediately I began receiving telephone calls attempting to collect a debt from XXXX XXXX. I explained to the caller that they had a wrong number. There was no XXXX XXXX at this phone number or address. These calls have continued for the the entire six years I have lived at this address. Explaining to the caller that they have the wrong number succeeds only in discontinuing the calls for a few weeks. Collectors refuse to tell me for whom they are collecting the debt or what the debt is for -- since I am not myself XXXX XXXX. However, without this information I can not write to the original debt collector and ask that the collection attempts cease. Since the calls never cease, callers clearly do not honor my request that they inform the original debt collector that they have the wrong phone number. 

Convergent Resources is only one of the groups who have continued these harassing calls, both under their current name, and as XXXX. I finally purchased a phone with call blocking -- for one reason and one reason only -- to block calls from Convergent Resources. I periodically check the call logs, and find that Convergent Resources continues to call ( and be blocked ) usually several times a week. This has continued for at least six months. I have a certain satisfaction at least in knowing that Convergent Resources is wasting their time continuing to make these calls, and that I no longer have to waste my time telling these incompetents that they have the wrong number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX i checked my credit reports as we are trying to purchase a home soon. XXXX XXXX XXXX, XXXX listed a medical debt from XXXX of XXXX on my credit report for {$56.00}. In XXXX, a legal settlement forbid reporting of medical debt to credit bureaus if it is less than 180 days old. This debt has not hit the 180 day mark and violates the XXXX legal settlement between all credit reporting bureaus. As of XX/XX/XXXX, the new XXXX waiting period gives consumers time to resolve medical billing issues.

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 2022-09-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX and XXXX My Business, my Trust Account and my personal account were hacked. on XX/XX/XXXX I called Wells Fargo to let them know about the problem they filed several claims and gave me the numbers to follow up on them. At that point intime I asked them to stop any payments to any body. On XXXX XXXX my account were hacked one more time, seven charges were made to the business account. it was until XX/XX/XXXX when I realized that more charges have been done despite the fact that I have instructed Wells Fargo not to pay anything. Wells Fargo gave me credit for five charges, but refuses to give me credit for two charges in the amount of {$2000.00} plus {$1000.00} total of {$3000.00}, they sent me a letter indicating that I should have made my claim no later than the 2nd day after the transaction ocurred. 
Wells Fargo also paid a Check Number XXXX {$1000.00} such check is not from my Business Account it belongs to someone else and It does not have my Business Acccount Number, despite that fact they paid it.

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 2016-11-19
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Synchrony Bank informed Lowes, Belks , XXXX XXXX credit card companys that I was deceased They had them close my accounts and ability to pay online. I am very much alive. I understand no one thats not a power of att. or have a death certificate can close an account. This has caused me late payments and embaressment. Late charges also applied. I have to pay online as I do not drive anymore.

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 2023-03-12
Company: World Acceptance Corporation
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I know nothing about this debt I may be a victim of identity theft. My information was compromised due to XXXX being Hacked. 
World Finance XXXX won't listen to the facts they keep ignoring my attempts to dispute them. They are breaking the law according to Fair Debt Collection Practices Act,, 15 USC 1692g Sec. 809 ( b ) their claim is disputed and they are not supposed to report inaccurate information. 
XXXX is instrumental in Continuing to Report inaccurate information XXXX XXXX XXXX NON RESPONSE XXXX NON RESPONSE WORLD FINANCE NON RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions 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:
In accordance with the fair credit report XXXX  has violated my rights In accordance with the fair credit report FACTUAL DATA has violated my rights In accordance with the fair credit report XXXX XXXX XXXX has violated my rights In accordance with the fair credit report XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2016-08-27
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2016 I contact the Barclaycard customer service as my payment from XXXX XXXX XXXX was rejected and I was being charged service fees. I offered proof from XXXX XXXX that payment was sent and rejected. Customer service representative advised that charges would be reversed and at that time I paid outstanding balance in full. On my next statement the fees where still accessed along with extra interest charges. I again contacted their customer service on XXXX XXXX, 2016. This time they closed my account and were suppose to credit my account for about {$44.00} in cash rewards. I paid my outstanding balance in full and Barclay has not credited my rewards cash and have continually assessed late fees and interest charges despite me disputing theses charges in writing to Barclay.

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 2015-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
1 ) I met with XXXX XXXX XXXX at my local branch and signed up for a promotion that would give me {$1000.00} bonus after opening a Select Business checking account, a business credit card and spending {$2000.00} on it within 60 days of opening. The terms of the promotion stated that within 90 days of meeting the requirements, the bonus will be posted to my account or if not, that they will mail me a check. I fulfilled the requirements for the promotion on XXXX XXXX, 2015 and am already past the 90 day waiting period needed for the bonus to be posted. I have made numerous calls to XXXX XXXX as well as other B of A representatives to follow up on the bonus, since I had already waited the 90 days after fulfilling the requirements. On XXXX occasions, I was misled and given the wrong information by B of A customer service ; XXXX XXXX, on the other hand, has been ambiguous, misleading and unhelpful. On our last telephone communication XXXX XXXX, he told me that I will have to wait ANOTHER 30 days. Then before this same conversation ended, he said it would take another 30 to 60 days. He kept changing the information/data he was giving me as we talked. 
- I believe I should have already received the {$1000.00} bonus by now since it is past 90 days from when I have fulfilled ALL the requirements of the promotion, including keeping all said accounts open and in GOOD standing. 
2 ) XXXX XXXX managed to mislead me and my husband by opening XXXX checking accounts, when for the purposes of the above promotion, ONLY XXXX checking account was required to be opened. I communicated my concern that there have been XXXX checking accounts opened, instead of just XXXX, which was what we intended. He told me not to worry about it - that he usually opens XXXX accounts for clients, since the second account would come free anyway. Because I did not want to jeopardize the conditions of the promotion, I did not close the extra ( XXXX ) checking account. Looking back now, I believe that XXXX XXXX intentionally opened XXXX checking accounts, when we intended to open only XXXX account - perhaps to fulfill some bank quota requirements to benefit him.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Fraudulent inquiries not done by me, three inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Affidavit and disputes sent to TransUnion will not comply with deleting inquiries

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 2020-04-04
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted the company twice in XXXX concerning my unemployment due to the covid virus and I also contacted again today. They are not helping in any way, said make a payment this month or we repo. I explained I've filed unemployment and it's in the process but it is back logged so I havent received funds yet. CPS continues to state they are sorry but are not offering any help except payment plans which are not any help if you have no income and unemployment will barely cover a monthly payment anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a Qualified Written Request to " Specialized Loan Servicing '' on XXXX XXXX, 2016 to request a deletion letter for an item on my credit report and they failed to send me a response. The first time I called on XXXX XXXX, 2016, the representative told me just to submit a QWR and it should be no problem to delete the item since it is an error. I asked if it was OK to send by FAX. She said yes and gave me the SLS FAX number to send it to. 

A few days later, I called to make sure they received the letter and the rep said yes they received it and would have a response for me within 30 days. After 30 days had passed, I called to check on the status. At that time, they told me they had 30 business days to respond. 

On XXXX XXXX, I called again to check on the status. They said a letter was generated on XXXX XXXX and sent out. I told them I never received it, and they said that there was an error and they would have to send it back to their credit dispute department. I asked for a manager to call me. No one ever did. 

On XXXX XXXX, I called again and got the same run around. I asked to speak to a manager but no one was available again. They told me once again that a manager was going to call me back but no one did. I have not received anything from them. When I asked what address they sent the letter to, they could n't tell me. My current address is clearly printed on the Qualified Written Request letter. I also included 1 ) my credit report and 2 ) my marriage certificate with my name change, which SLS requested when I spoke to them the first time. 

SLS information is as follows : Specialized Loan Servicing XXXX, CO XXXX FAX : 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 2019-12-03
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
id theft. new inquiries are not mine as folllows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-12-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
id theft. new inquiries are not mine as folllows XXXX equifax mtg XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation