BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: ASSOCIATED BANC-CORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I bought a car using Associated Bank for Financing in XX/XX/2021, I made a payment in XXXX, unfortunately the car was in an accident in XXXX, I Called Associated Bank immediately, I asked if I needed to make XXXX payment, they said no as long as the insurance company pays them off in 10 days, I called Associated and got an email from XXXX that the loan was paid, in early XXXX I got a letter stating there was a gap in what the insurance paid and what was owed, I made a payment that day, made a payment in XXXX, and paid off the Account in XX/XX/XXXX, I received a 30 day delinquent notice to all 3 credit bureaus -this was reported falsely!!! I need this removed from my credit ASAP, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Email to PHH, XXXX XX/XX/XXXX requesting payoff as of XXXX XX/XX/XXXX with a copy of Chapter XXXX  effective XXXX Mail to PHH XXXX XX/XX/XXXX personal check {$1000.00} requesting amount be applied to PRINCIPAL ONLY and payoff amount as of XXXX XX/XX/XXXX. Instead, PHH applied funds to monthly mortgage payment thru XX/XX/XXXX. 
Email from PHH # XXXX, XXXX XX/XX/XXXX, acknowledging receipt of email. 
Letter to PHH requesting Principal Payoff Balance XXXX XX/XX/XXXX with a certified check in the amount of {$1500.00} to be applied to PRINCIPAL ONLY, not to monthly mortgage payments. Documents received at PHH, XXXX, NJ by certified mail, XXXX XX/XX/XXXX, attached. PHH disregarded request for funds to be applied to PRINCIPAL ONLY and applied funds to monthly mortgage payment through XX/XX/XXXX. They also suspended payment of {$560.00}, XX/XX/XXXX, documents attached. 
Email to PHH requesting an adjusted payoff date of XXXX XX/XX/XXXX for principal payoff balance. I informed PHH that they were milking it customers by not providing the requested information. PHH is performing an inappropriate accounting practice. Email attached

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 2020-04-22
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
This is a problem I had with XXXX XXXX in XXXX NJ in XXXX of 2013. The owner called me and said he had a pre approval for the car I always wanted. Me being a car person was interested but could not afford another vehicle at the time and let the salesman/owner know that, so they persisted saying what if I could pay next to nothing monthly for the vehicle would I take it? I replied of course I would and then he said ok come down and Ill make it happen. I proceeded to go there and they verbally informed me that I didnt have to pay for 6 months and then XXXX for 6 years. That was perfect he didnt write any paperwork and then gave me the car with no signature or anything. I didnt even know what bank I had to pay until I was called 3 months later by Santander telling me I owned them XXXX dollars and I was 30 days behind on my payments. Now I voluntarily returned the vehicle and suffered for 7 years with horrible credit because of this company and they refused to remove this from my credit report with no proof of any documentation, no proof of my signature, no proof of anything that coincides with the fair credit reporting act and then to top it all off they changed it from paid to unpaid now. Which it was paid and reported as paid for years and now put it as unpaid while not abiding by the law of the United States and trying to belittle my rights to question them. The contract they have is null and void because the agreement I had is with the dealer who will also not have proof because nothing was signed and under the fair credit act this entire report should be removed from all reporting agencies XXXX, XXXX, and XXXX. If it is not I will move to whatever lever necessary and make sure the media is notified about my case and all the measures taken to help me fix this from this point on. Thank you in advance for reading my unfortunate chain of events and I would greatly appreciate exposing the lies of all these banks because they can get away with doing it. I know this is much bigger then just myself, and I will write a letter to whom ever necessary to show them I paid them and now they are saying I didnt so they can claim it as a loss and collect insurance. Unfortunately it was paid years ago, and it showed on my credit report when I paid it. As of this week it changed to unpaid and charged off. Let me know the following steps I am going to need to take. Thank you my proof for all this is they dont have my identification and have my name wrong and address. If I provided them with paperwork they would have written it as it was seen on my ID but obviously they Fraudulently pushed the paperwork through and I want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My information was used by someone who stole my identity to get credit accounts on my name, and not pay and they debts ended up in my account in collection unpaid and I'm left on the hook. my name ruined i can barely qualify for credit or better interest rate. 
this report is me trying to fix all the harm done to me my my life my good name.

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 2017-10-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
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:
This company Fair Collections and Out has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XXXX/XXXX/XXXX in the amount of {$1200.00}. I have never done business with these people and have not agreed to anything with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie.

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 2020-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The car was crashed my insurance XXXX paid {$11000.00} and the gap insurance XXXX XXXX paid the remaining balance except for {$500.00} to Capital One auto finance. It comes up on my credit report as a repossession. I had to pay higher interest rates because of this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an inaccurate mortgage reporting late that I re financed and paid off on time. The lender has it on time with Equifax reporting on the payment legend every month but then marked it late on the payment status as 90 days late, it is totally wrong and hurting my credit. Pleased see that this gets handled ... ... ... ... XXXX XXXX. 

This could be very embarrassing for me with my employer XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After 3 weeks of attempting to get a Payoff Statement, I paid my XX/XX/XXXX mortgage payment via electronic payment of {$17000.00} to Dovenmuehle Mortgage on XX/XX/XXXX with a memo {$40.00} interest {$17000.00} principal. I had thought they would send me any balance owed on my next/final statement. 

When I checked to see my mortgage balance on the following day Dovenmuehle Mortgage rejected the payment for not following proper payoff procedures. 

On Thursday XX/XX/XXXX ( XXXX EDT ), I contacted customer service and was told my payment would be returned electronically on Friday XX/XX/XXXX ( XXXX EDT ). I didnt receive it and called customer service who researched it and said there is a delay because of the clearinghouse so my payment would be in my bank on Monday XX/XX/XXXX. 

Funds were still not received on Monday XX/XX/XXXX ( XXXX EDT ), I contacted them again and was told my payment would be returned by end of business day Tuesday XX/XX/XXXX. 

I still have not received the funds. Please help in having my {$17000.00} returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report and the reporting of these inquiries contains information that contributes to the alleged experience and transaction between I, the consumer and the creditor.

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of these inquiries violates this.

Fact, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, the consumer, did not give any debt collector nor consumer reporting agency any written instructions to report these inquiries to any consumer report. 

As a consumer, and the original creditor I, XXXX XXXX, am seeking the following remedy from Equifax for these violations : The removal of the inquiries listed below XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity theft. I am tired of these things on my report that do not belong to me. 


Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: MI
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:
This is NOT a duplicate complaint. There are multiple accounts under the same creditor reporting to my consumer report that I am disputing. I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. In accordance with the fair credit reporting act *XXXX* XXXX account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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. I am not a third party I am representing myself. Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. The account status is DIFFERENT with all three credit bureaus. The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. And again... all of this is PROVEN in the file attached to this complaint.

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 2021-02-10
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a email from experian credit bureau stating that a dispute had been resolved on their end, ( Report # XXXX ), ( Investigation ID is : XXXX ), but once i went to the website, I logged in and I see there is other wrong information listed on my credit report like a " wrong name '' that is listed, as well as wrong telephone number ( XXXX is " not '' my phone number ). So I tried to dispute it, I tried to upload documentation to prove my dispute, but the website would not allow me to complete the upload ( even though it offered me to do so ), it was all removed. I tried several times to no avail. It has listed a " wrong Name '' ( alias ), on the credit report that I have never used in my entire life, so I want it removed. IT is my right under the " FCRA '' to remove wrong information in my credit file.

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 2021-02-10
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Someone sent me money on cashapp. When I tried to send the money to my bank account. I was told by cash app that they dont support that bank account ( XXXX business ). So I changed it to my XXXX  XXXX. I tried to send the money there. I was promoted by the app to enter a XXXX Pin. I never created a pin. I was never given a pin. I tried using the pin for the XXXX XXXX account. I friend ever 4 digit number I could think of. None of them worked. I tried to use the app to change the cash pin but it asks me for the old cash pin. Which I dont have. I contacted customer support through this process. I received an email from XXXX, XXXX, XXXX XXXX and XXXX. All from the same email address. XXXX Ive told them all the same information. And no one has helped. They cant reset my account. They cant give me a pin. Theres no way to speak with a human. Theres no way to close the account and have the money mailed in a check. Were in a pandemic and I need my money. The amount is {$250.00}. Ive emailed. Ive tweeted. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As THE ORIGINAL CREDITOR I have recently reviewed my credit profile and have noticed that there are inaccurate accounts and that are unverfied but being placed on my Consumer account negatively and reporting to the three credit bureaus that this alleged debt is mine. 
This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent. 
Santander and the other alleged accounts are from third-party debt collectors which have no rights to my Consumer Information. 

... I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

The following entities have been reporting on my account. They have been recently deleted which shows proof they are not mine and indeed was inaccurate and unverfied. 

XXXX XXXX XXXX XXXX. Aud Santander

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit bureaus has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late XXXX   XXXX inaccurate/not mine XXXX XXXXXXXX XXXX XXXX never late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: JPMORGAN CHASE & CO.
State: NJ
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:
To Whom It may Concern, Chase Credit Card services has failed to address the error reporting to my credit report. I have forwarded detail information to them that gives them ample reason to remove all derogatory information reporting to my credit profile. 

Furthermore Chase is violating the FCRA ( fair credit reporting act ). The late payment they are reporting is not derived by way of a purchase but is the cause of an internal annual fee. 

Please see the attached letters i have written to chase for your consideration in resolving my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Inquiry Date XX/XX/2021 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 2019-11-20
Company: Experian Information Solutions Inc.
State: GA
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:
Collection Item from XXXX XXXX under XXXX XXXX for {$4200.00} placed on my credit dated XX/XX/2019 that does not belong to me and no correspondence was sent to me to inform me of this prior to damaging my credit with this incorrect information. I have disputed it with the bureau and the collector and the collector has not responded and can not verify the information.

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 2022-08-04
Company: WELLS FARGO & COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, For over a year now, I have been trying to trace a check or international wire transfer, coming from XXXX to my US Wells Fargo account between Fall XXXX XX/XX/2006, for an amount between {$10000.00} and {$15000.00}. 
I have filed 3 inquiries with Wells Fargo. None were followed trough or resolved.

I understand an archival search, for which I am ready to pay for, is necessary. But I can not get Wells Fargo to do it.

Can you help, please?

Looking forward to your reply.

Thank you.

Regards

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 2020-04-22
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Collector Sold the same old account that has been disputed n removed from report. Before any knowledge of XXXX  breach I was having issues answering any security questions for verification. After being inform to identifiy thief I started repairing my credit. Thats when a collection near the statue of limitations got sold then re-age also double reporting to hurt my score while being repaired

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Today with a credit balance due me on my account of {$39.00}, I directed in writing that Barclaycard send me that balance and close the account. They've closed the account but REPEATEDLY AND EVASIVELY refused to state that they've sent me my {$39.00}. ( I closed the account because Barclaycard has the worst customer service of any credit card I've ever had and this issue is typical. )

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