BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX I contacted Hyundai regarding getting the title and bill of sales after I was told by XXXX secretary of State that I needed the title/bill of sale before it could be transferred to me. The lease was paid off in XX/XX/XXXX.. On XX/XX/XXXX I spoke to a customer. rep who said that the title dept only worked on titles 2 days a week. They sent an e-mail, which I never received. In early XX/XX/XXXX I received a notorized disclaimer regarding the car but no title or bill of sale. I have contacted the company by mail as of XX/XX/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 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
In XXXX of XXXX I noticed an address in a state I never lived in on my credit report with Transunion. I requested to delete it and it still has not been deleted. I'm worried about fraud. I have never lived in XXXX Iowa. As of today the address is still on my account. I also get asked when any company wants to confirm it's me it states I have a mortgage I took out in XXXX. I rent and I do not have a mortgage. I have noticed inquiries that I dont believe belong to me. However my credit is not the greatest due to lack of credit since I don't use credit cards plus student loan debt so I'm unsure why anyone would want to steal my identity. I am still concerned about identity theft due to address being in another state and Transunion has not deleted it for some reason.

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 2015-04-16
Company: WELLS FARGO & COMPANY
State: NE
Product: Credit card
Issue: APR or interest rate

Complaint:
I went to Wellsfargo to open business checking account and was told by the accounts executive that the system has offered to open a credit card which has 0 % APR for XXXX billing cycles.So I agreed to apply. After XXXX billing cycles I saw finance charge and called the XXXX # and was told that it was only for XXXX billing cycles. I discussed above details and send me the account opening documents and was never provided with those till date. On multiple calls afterwards I was told they do n't have any such opening document and the XXXX billing insert has the 0 % APR info. Now I have been charged a total of {$160.00} in finance charges and even if they want to refund any they are looking at the least finance charge and would refund half of it. Still no info on the opening documents. I have a lot of accounts with WellsFargo and Credit Card is the only department I have issues with and this is the XXXX time with a XXXX business ( XXXX issue was different ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-27
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter requesting an investigation of items that needed to deleted on my credit report. Unfortunately your response has gone passed the 45 days allotted by CFPB, I have yet to receive a reply from you or any acknowledgment that an investigation has begun. The investigation into this matter is going on 3 months.

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 2021-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested they sent me a monthy statment and a monthly statements is not a contract or agreement and are nonresponsive to my verification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Bread Financial 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: Problem with personal statement of dispute

Complaint:
This account is fraud please validate. I told Victoria secret no one can help. Can i have an itemized bill, copy of contract etc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: OH
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 EXPERIAN ALL FAILED TO REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT AS REQUESTED. 

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 explanation
Consumer complaint received 2016-01-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I had previously submitted information for a complaint against the bank 's attorneys but it seems that there would be better chance for success filing against Chase Bank itself. The title company has definitely tracked the money that far. 
The title company received the payoff amount very late. I did n't even see it until I walked through the door at closing. It includes items for " estimated attorney fees and costs '' amounting to {$3200.00}. I can not image what this could entail as this estimate was received the day of closing. This was a straight forward sale. No short sale. There were also " Incurred attorney fees and costs '' of {$100000.00}, in addition. Several days later I received a refund of {$75.00} marked PIF.. How can there be a final reconciliation of fees and costs without accounting for these estimated attorney items? I am attaching the payoff quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized loan Servicing, the mortgage servicer who currently service my loan, is refusing to have funds applied to a monthly pmt. I had made a pmt on XX/XX/XXXXwhich would be for the XX/XX/XXXX monthly pmt. They refused to have the payment be applied to the monthly payment. They applied to the principle balance. I always tried to pay my mortgage in advance, incase of financial hardship, which I'm and going through now. I may now default because unable to make monthly payment and need the cushion of the payments to be paid in advance. Speicialized loan servicing is causing a financial hardship by not applying payments correctly. On top of not applying funds correctly they refuse to send out informational statements about the account status. I have made three request for information statements to be sent out, all have been refused. They refused to make any corrections on how funds have been applied to my account, which makes me question on if other payments may have been missed applied

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 2016-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
BOA branch located at XXXX XXXX XXXX XXXX, XXXX, CA refused to cash a check written on my BOA account and in my presence and payable to a business when the business owner presented XXXX forms of ID including a business debit card with his name on it and his driver 's license. Instead, BOA choose to charge me {$10.00} to issue a cashier 's check. In addition, there was only XXXX teller during rush hour and the waiting time was over 1 hour and the Mgr. XXXX XXXX was rude and did n't care about the customers!

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 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Ive contacted Transunion on multiple occasions concerning the removal of unauthorized and fraudulent inquiries on my credit file. Customer service told me there was no way these inquiries could be removed. About a week later a colleague of mines contacted Transunion with the exact same type of scenario and the representative removed the inquiries over the phone. The colleague of mines saw the reflection of this on his Credit report the very following day. Why was i told something could not be done by one rep? Only to have a colleague call a week later and his request was successfully honored? I feel i was discrimated against, because there is no other alternative for us both to not receive the same type of service. I am requesting again for the following credit inquiries to be removed immediately because they are fraudulent and unauthorized XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/2021 Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX  XXXX XXXX  XXXX  Date of inquiries : XX/XX/2021 & XX/XX/2021

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 2021-09-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXBalance $ XXXX Opened : XX/XX/2013 XXXXBalance $ 4,265.00-Date Opened : XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt is not even mine, This account was opened and ruined by my exboyfriend without my knowledge. This needs to be immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: AR
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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Kriya Capital, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had XXXX for year. I swtiched to XXXX briefly my line and my 4 childrens due to a promotion for buy one phone get one free. The new phones kept getting cancelled due to a backorder. In addition, XXXX stated it would be an easy switch but it was not and my current lines were not working correctly. I called XXXX and requested to cancel all orders. 
I returned the one phone they did send, which they confirmed receipt and credited my account. I spoke w several reps to close the account due to the 2nd phone not arriving and awful service. They " Guaranteed '' me it was cancelled. Somehow, I kept getting a bill and FOR THE PHONE THEY CANCELLED the full charge for the phone they KNEW THEY CANCELLED. Now the debt, which I Vehemently dispute, keeps going to collection agency after collection agency. WORST PHONE COMPANY EVER. 
Please make them stop. They are full of empty promises and false charges! 


We canceled some or all of your order XXXX. Here 's what was canceled and why : Item Image XXXX 's XXXX XXXX XXXX Plus - 64GB - PRODUCT RED XXXX Quantity Ordered : 1 Quantity Canceled : 1 Reason : This item flew off our shelves and isn't available anymore. Let 's try this again. Shop online now or visit a store to find what you want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Got a letter stating that my account would be closing due to insufficient activity or information. Stated to call to prevent from closing. When I called they told me it's already closed and Chase wont give any other information. When I asked why they wouldn't tell me. I tried logging in online but it says its locked for fraudulent activity. Asked them about that ( account hadn't been funded yet ) and they wouldn't say anything other that I have to find another banking institution. Seems very shady that bank wont even give me legitimate reasons why my account was closed especially when they have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: TX
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 AM A CONSUMER & Equifax is in violation of Consumer Protection Laws, including : 1. ) 15 U.S Code 1681 ( a ) ( 4 ) - " Infringed upon a consumer 's right to privacy '' 2. ) 15 U.S Code 1681 ( a ) ( 2 ) - " No permissible purpose/no written instruction '' 3. ) 15 U.S Code 1681 ( a ) ( e ) - " Improper investigative consumer report '' 4. ) 15 U.S Code 6802 ( a ) - " Disclosed consumer information received from a third party '' 5. ) 18 U.S Code 1028 ( a ) - " Unlawful possession of another person 's identity '' After several calls & letters, I sent them correspondence in XX/XX/2021 and they refused to make the necessary changes so attached is an invoice for each violation. Further action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home mortgage services Wells Fargo does not appear to be working with me in earnest to prevent me from losing my home in XXXX Massachusets. I have been ensuring compliance on every request. They previously turned down an offer to purchase by a qualified buyer because he was under their minimum XXXX. While I did n't want to sell the house, I was led to believe that this was my only option. It has been an incredible year of stress and what appears to be an endless spiral of red tape and even confusion by Wells Fargo 's own " loan preservation specialists '' - who appear to never know anything. I just received a loan modification offer that is literally just a few XXXX dollars less than what it was. It 's unacceptable when I have already paid beyond XXXX for this house. I really need help but I 've heard conflicting statements from my bank representatives. One moment I hear I may qualify for deed in lieu - next I hear that I do not qualify. I 'm at the point where I can afford to pay a reasonable amount to keep the home but I can tell that they do not tell you anything that can help you. They purposesly keep options from you unless you specifically ask about it. Then the preservation specialist tells you they need to find out. I really need help. I know the bank could work with me just a little harder for us to keep our home. We 're not that far from having a viable program, that a XXXX bank that ruined the economy anbd received XXXX bail-outs could afford to live with for a family who has already paid over XXXX in interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the second time my loan servicer, Amerihome Mortgage has failed to make payment of my property taxes in a timely manner. I do not believe they have made an on time payment for my home insurance either. We have only had our loan for 11mos. They have an impound account on our behalf for this purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Creditor XXXX XXXX placed a retail credit card into collections that is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: AMERICAN EXPRESS COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I submitted a closure of my American Express account after 23 years of ON TIME PAYMENT and tens of thousands of dollars of consumer credit utilized and paid. They confirmed they would close the account as the balance was {$0.00}. Approximately 2 months later a vendor charged against the account number. American Express had NOT closed the account and allowed the charge to be processed by the vendor. I received a Statement from American Express listing the charge and a " Late Fee '' for not having paid the bill. I contacted American Express and escalated the case with Customer Support management. It was then that I was told that " In the customer terms and conditions it stated that American Express would allow a vendor to charge against the account if received within 60 days from account closure. This is outrageous and buried deep within the 20+ pages of XXXX XXXX XXXX XXXX XXXX. They agreed to remove the late fees and said that they would close the account and I have copies of online chat communications with American Express customer support and a VOICEMAIL from Amex stating they were closing the account. 
I recently received a NEW BILL from American Express where they had NOT CLOSED THE ACCOUNT AGAIN and have accepted a low value charge from a vendor that they have now accrued over {$100.00} in late fees against my account and I AM FIGHTING THEIR INJUSTICE. I am calling them again today notifying them of my filing a complaint with this Bureau a my State Attorney General 's office to fight American Express ' predatory lending practices by NOT CLOSING ACCOUNTS IN A TIMELY MANNER and accepting charges from vendors against accounts closed by Consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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  account child support enf XXXX acct # XXXX, XXXX acct XXXX XXXX, XXXX 120 day late payment has violated my rights. 

15 U.S.C. 1681 section 602A. States I also 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 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 2015-03-24
Company: DriveTime
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I financed a vehicle loan with Drivetime back in XXXX. I have been paying on the loan and the maturity date is XXXX XXXX. I checked my credit XXXX XXXX and noticed that the loan had been removed from my credit report. I have called Drivetime numerous time to correct the error to no avail. I feel this is a UDAAP violation because I was lead to believe the loan would be reported on my credit it has n't been reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
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'M FILING A COMPLIANT BECAUSE THERE IS AN ACCOUNT AFFECTING MY CREDIT THAT IS PART OF MY IDENTITY THEFT CASE AND EQUIFAX IS STILL SHOWING IT BUT XXXX AND XXXX REMOVED IT ALONG TIME AGO

Company response to consumer: Closed with explanation