BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit card company is showing my account as 30 and 60 days late payment it is showing during a time when my account was showing as not being reported. 
I was never late with my payments. I tried contacting the company but they did not do anything to resolve the issue. My account number is not showing on the account and they said they can't give it to me because of confidential reasons so I don't have the account number and it is not showing up on the report. The account is closed because I have not been using this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
State: FL
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My stimulus deposit will be held until wed by the bank and then credited to my acct no matter when the bank received the funds from the IRS.. Why does the bank hold my money as their own and then deposit it when they see fit? They are using my money with out permission or reimbursement. They have issued a bank wide statement to all their customers that everybody 's will be deposited to accts on the same day. XX/XX/XXXX. Screen shot of their statement attached to this complaint. This statement sent to all consumers it is on their homepage.

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 2016-09-15
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo is requiring me to use XXXX XXXX to do a valuation on my house to remove PMI. I can not find this requirement in my mortgage documents. It is a requirement listed in a letter they sent to me on XXXX XXXX, XXXX. My mortgage originated in XXXX/XXXX/XXXX. Are they legally allowed to do force me to use a specific appraiser after the fact? Additionally, XXXX XXXX charges {$550.00} for a single family property. The highest rated appaiser on angieslist.com quoted me {$270.00} for my specific single family home.

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 2021-03-15
Company: UMB FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2021 I sent a fax to UMB BANK to transfer the money out of my XXXX account to XXXX XXXX account. Later i authorized fidelity to do the transfer and they sent another fax to them on XX/XX/2021 to XXXX bank to initiate the transfer. UMB bank on on XX/XX/2021 charged all the fees on my account ( including the monthly service fee, statement fee and the account closure fee of {$25.00} ). According to them they sent the check to XXXX which was never received by them. When i called them back on XX/XX/XXXX, they told me that they don't have any tracking on the check and the details were not present in their system. On repeated phone calls after that the supervisor gave me some check number but said she doesn't have any tracking and she can not answer more than to say that the check was sent. All this while XXXX customer service said they haven't received anything. Since my account is an XXXX account I don't have any money to pay for my medical expenses and the UMB bank still continues to play games where they can not issue stop payment not refund the fees they charged on my account. I had a simple question to the supervisor where i asked " Why does the bank get to charge closure fees and get paid when i still have received my own money all this time ''? Please help resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Bridgecrest Acceptance Corporation
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My insurance company deemed my vehicle a total loss. A payoff check was issued by XXXX onXX/XX/2021February. It was never applied to my account, I was told it wasnt received. A check was reissued on XX/XX/2021. It was received by Bridgecrest onXX/XX/2021. I was told on XX/XX/2021 that it would take about 48 hours to post to the account. I called on the XXXX and was told to call today XX/XX/2021. I called today to follow up and this time I was told that they dont apply payoff checks to accounts until theyve cleared and that it should post by the XXXX. This doesnt make any sense at all. They have continued to report to all 3 credit bureaus and interest is still accumulating on the loan even though I was told it would not. I have sent multiple emails between mid XXXX and now without any resolution.

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 2015-07-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I want to know why my bank does not immediately credit back to my debit card? If I pay a service with my debit card and then cancel it, it can take 4 to 5 days for that credit to show on my account? Who uses that money for those days? I am charged immediately so why not be credited the same way? The bank says it is the fault of whatever company I was dealing with, not the bank. Having been a XXXX myself, I know that transactions are settled on a daily basis with most companies so I do n't think this could be correct. Ca n't seem to get a straight answer out of Wells Fargo bank either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: ERC
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 have been contacted numerous times and continued to be harassed by by telephone by a company called " Enhanced Recovery Company , LLC '' concerning a debt owed by someone else. I have informed them that they have the wrong telephone number and wrong person, but they continue to harass me at all time of the day by telephone robo-calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
In XX/XX/2021, I pulled my 3 credit reports and noticed fraud on each report. The debt was fraudulently and erroneously reported on my credit reports. I did not open the accounts and did not authorize anyone to do so on my behalf. This information belongs to someone else, who I have no knowledge. I'm not an existing customer of these organizations. The organizations were contacted via telephone and can not provide any contracts or signed documents with my signatures which can link me to the debt. On XX/XX/2021, I notified each credit bureau of the fraudulent accounts which are unauthorized. The credit reporting agencies have advised me to file this complaint with the Consumer Financial Protection Bureau. 

Please see the fraudulent accounts and amounts below : Account Name Amount Portfolio Recovery {$490.00} XXXX XXXX {$690.0XX/XX/XXXXXXXX XXXX {$820.00} XXXX XXXX XXXX {$100.00} XX/XX/XXXX - XXXXXX/XX/XXXX{$690.00} XXXX XXXX {$0.00} Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
this is true to the best of my knowledge also I am not using NO third party company. I've sent Lexis Nexis a letter on XX/XX/2022 stating to remove inaccurate information and I have yet to hear any responds. attached are my document ive sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I paid high rate on line of credit Wells Fargo never told me that all payments were interest only when it come time to payoff the account they charged extra this is just wrong when I contacted corporate they still denied a refund

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 2021-03-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
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:
Due to the recent Pandemic our world has faced, I had to be placed on a financial hardship program with XXXX Bank Credit Card. My payments are due on the XXXX of each month, however I am unable to use their mobile app to process these payments due to being on the financial hardship program. When I contact the XXXX provided no one answers and there is no way to get in contact with an automated payment system. Due to this issue I have been experiencing late fees and also this is hitting my credit score. I'm on hold with customer service for hours just to make a payment and not able to get ahold of anyone. This is unjust and is hurting me when I'm doing everything to make the payment. Please help! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Lending Club Corp
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:
The following information appears on my credit file as a result of identity theft. I believe my ex husband, XXXX XXXX, has been using my identity to fraudulently obtain goods in my name. I have not had these credit cards or loans and I in no way benefitted from any of this money or credit accounts and they must be removed from my credit file as soon as possible as they are causing me harm. The following information is inaccurate and fraudulent and must be removed. 

Accounts : XXXX XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$4900.00} XXXX XXXX   Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$18000.00} Lending Club CORP Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$16000.00} XXXX XXXX XXXX : XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$12000.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX/XXXX   Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date : XX/XX/XXXX Please remove this offending information as it is inaccurate and causing myself and my family harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/XXXX I went to apply for a home loan. I was denied because of my credit. Once I looked at my report I had XXXX accounts on my credit report that did not belong to me. These are the accounts listed on my credit report that does not belong to me : XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX account number XXXX. On XX/XX/XXXX I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - 2 of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX XXXX XXXX XXXX XXXX XXXX. 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX XXXX)

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: TN
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 report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
i financed a XXXX honda XXXX on XX/XX/XXXX payments was XXXX a month. i was on XXXX  and had gotten very sick loss my job and couldnt work told honda about problem they worked with me at first paying XXXX every month then they said they need the back due in XXXX. i was in hospital XX/XX/XXXX to XX/XX/XXXX wasnt able to answer phone no one could help me with sitation when car was repoed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. ) Account XXXX Date Opened XX/XX/XXXX /Original Balance {$14000.00} and 2. ) Account XXXX Date opened XXXX XXXX/Status closed charged off/Balance XXXX are being reported falsely and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them. Negligence from their part. I need this help from you guys please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a collection showing on my account from XXXX from XXXX. This seems to be new and did not appear on several credit reports that I pulled between XX/XX/XXXX. I believe this to be an error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Self Financial Inc.
State: SC
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 closed my account XXXX XXXX with Self Financial INC. and was advised that I would receive my deposit within 10-14 days. I have not received my deposit and the statement indicates the account still open with an available balance and a $ XXXX amount listed for the security deposit which is incorrect as I secured this account from transferring funds from the Self XXXX XXXX account in XXXX. I want the account closed and reported as closed to the credit reporting agencies and my security deposit returned to me immediately. I have attached for reference : Previous Statement Current Statement Email Communications from Self

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I called Transunion to inform them the hard inquiries on my report were removed and then put back. The representative told me they could n't assist me at the time. This was yesterday, XXXX XXXX. I 've called several times today but the wait has been intensely long.

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 2018-02-24
Company: Convergent Resources, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice of collection from a XXXX XXXX, and called to agency to dispute the validity of the debt. I advised the agency of the inaccurate information they were attempting to collect on. I advised the agency the information obtained from the creditor XXXX was invalid and to not report on my credit file until they could prove validity and accuracy of the information being collected. The debt collection agency never proved validity of the account to me either on the call nor in writing. XXXX XXXX has began to report and attempt to collect on an account that was verbally disputed. I contacted the creditor and was advised the agency - Convergent should not have reported anything to the credit bureaus due to arraignments set with XXXX. This agency is participating in unethical and unprofessional debt collection practices and is in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: United Built Homes LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Myself & 2 other females contracted United Built Homes to start  construction on my property on XX/XX/XXXX. First 6mos. no interest. We were prequalified for a 3.75 % int.rate ( the house had to be completed before XX/XX/XXXX ). In XX/XX/XXXX, our int. rate was 6.50 %, house not completed. In XX/XX/XXXX, one of co-owners died, reducing our income {$1100.00}. Three days later, our int. rate jumped to 9.47 % because we had not refinanced with our pre-qualified lender We tried to abritrate, explaining oc the co-owners death. We asked about finishing our home so we could get our Cert.of Occo

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX complaint was previously submitted. In the response by Rushmore, my home was not in foreclosure. I received the response from the CFPB on XX/XX/2020 in which I responded on XX/XX/2020 that the information they provided was not clear on. I did not receive clarification. 

We were given a single point of contact, XXXX XXXX at XXXX. On XX/XX/2020 I telephoned at XXXX XXXX  and left a message for him to phone me. On XX/XX/2020 another message was left at XXXX XXXX  for him to phone me. Then at XXXX XXXX  XX/XX/2020, the postman delivered documents that my home can be sold without going to court. 

The documents delivered today were dated XX/XX/2020 and were delivered AFTER my attempts to get details to get this mortgage situation resolved. 

I am XXXX  XXXX and suffer from XXXX XXXX along with several other ailments. Any type of XXXX  causes my XXXX XXXX  to XXXX  which then causes me to have to seek medical attention. This company is going to cause me to end up in the hospital for their lack of co operation and continued threats of foreclosure and refusal to accept our money. If they had accepted the money we have been attempting to pay them this would be cleared up by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused 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