BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: TRUIST FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received an email from truist bank stating my account ending in XXXX has been activated. I have never heard of this bank. It is listed under my maiden name XXXX XXXX. My social security number is attached to this account. I have tried contacting the bank and have been hung up on every single time.

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 2018-11-07
Company: Williams & Fudge, Inc
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXXXXXX XXXX  claims that my son took out two loans using me as a co-applicant in XXXX totaling XXXX. He started making payments when the deferment period was over, however he was unable to keep up with it due to lack of income and as a result it was turned over to a collections agency Williams & Fudge. He again tried to make payments to them and once again fell short. They then reached my husband by phone at home and discussed the situation with him without my consent and caused more stress and harm to his health. I then took over and agreed to help my son by making monthly payment from XX/XX/XXXX thru XX/XX/XXXX when I lost my job. 

I contacted Williams & Fudge and let them know that I will not be able to continue making payments and the woman became outraged and told me that I have to make a full payment of {$27000.00}. ( approx. ) within a week. I explained that I can not afford that then she said she will settle for {$16000.00} ( approx. ). Again I couldn't afford it so I offer a one time payment of {$10000.00} using my credit card and she took it and processed it right away. However, she did not informed me that upon payment this will settle the debt against my son and myself until I asked. I was disappointed and betrayed so I had her reversed the payment for failure to disclose her intentions. 
I then started to seek help regarding these loans to I asked for proof of them loans and XXXXXXXX XXXX was able to provide me with only one promissory note for XXXX and I haven't anything on the other loan they are claiming. I never benefitted from any of these loans. 
I have no direct communications with XXXX XXXX but Williams & Fudge representative made a false statement to them that I agreed to pay and settle for {$10000.00} to have my name removed. Now XXXXXXXX XXXX attorney drawn up an agreement for me to make payment and settle which I did NOT agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Home Point Financial Corporation
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Homepoint Financial Corp. transferred our mortgage to their service provider on XX/XX/2022. This change gave us a new acct no. We received 2 previous emails XXXX and XXXX stating that if our acct was autopay it will transition the autopay to the new acct and we do not need to do anything. It also stated that if our normal autopay was from the XXXX to the XXXX, they will run the autopay late for XXXX and it would come out on the evening of XX/XX/XXXX. I checked my checking acct on XX/XX/XXXX, and Homepoint took the autopay on the XXXX. Because of their email stating they would take it late in XXXX but they already debited our checking, I felt the need to call Homepoint on XX/XX/XXXX and be sure that there would not be any errors and them taking it out twice thus causing an overdraft. The CSR I spoke with assured me that if it was already taken out prior to the transfer, that it would NOT be taken out again in XXXX. 
Sat. XX/XX/2022, I received a text from XXXX that our acct was in overdraft status. We NEVER overdraft our account. I went into online XXXX and sure enough Homepoint ran the autopay twice in XXXX. They have no customer service on weekends so phoned them at XXXX Monday am. XXXX at Homepoint told me he saw a memo that this happened to other mortgages and that I would receive an email at any time on how they will resolve. I told him I want a supervisor as I need a wire transfer of this money back to my checking today. He told me he requested a manager to call me back. XXXX am, still no return call from anyone, no pending debit. XXXX am I left another message on the Homepoint return call line and as of XXXX am haven't been called back yet. This is unacceptable. This is not a small double payment, this is several XXXX dollars of an unauthorized debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: BANK OF THE WEST
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX a check went through for amt {$91.00} and cleared at that time. Since then I have been charged overdraft fees and other fees in conjunction with this check on the following dates. XX/XX/XXXX {$70.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX $ XXXX {$30.00}, XXXX {$35.00}, XXXX {$70.00} and today XXXX {$30.00}. I spoke to the Branch Manager XXXX  with Bank of the West today and she stated I was charged these fee 's associated with the above check # because the retailer was trying to put through a {$30.00} retry fee ( which I was already charged on XXXX ) and I didn't have enough money in the account? Which is strange since I get direct deposit from Social Security Disability each month on the XXXX. Basically, Bank of the West is making a lot of money off people by continuing to charge accounts over and over again on a item that has already been presented and cleared! When I asked why then am I being charged their overdraft fee of {$35.00} on a check that went through she said because I didn't have money in the account so bank of the west charges {$35.00} a day until money is posted to the account. I wouldn't be overdrawn if they didn't keep charging overdraft fee 's on a check that went through a month ago!!! It will never end and I will never get my account caught up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-30
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keep getting calls all day long  from Macys Blloomies and MCCS which is also Macys. I do n't even have an account with them nor does any family members. Do n't even shop at Macy 's. Every time I block the number they call on another one. From what I have read others have tried to stop them but have n't been successful so I have n't bothered contacting the company. Not sure if it is really Macy 's or  not. They just called again from this number  XXXX  and this is only  one  of tons of different numbers they use.

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 2016-10-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX and Select Portfolio Servicing ( SPS ) were the mortgage holders for my loan. I have a previous complaint against SPS ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments. 
The attached credit report pageXXXX of XXXX ( which is a part of a full Mortgage XXXX ) number XXXX show that I had XXXX 60 day lates on this mortgage which are erroneous. 
Firstly, enclosed is a mortgage statement for XX/XX/2014 that shows that there are no late mortgage payments and no late fees due, payment confirmation XXXX/XXXX/2014 no late fees, statement of XXXX/XXXX/14 showing no lates, XXXX/XXXX/14 payment confirmation no outstanding late charges. Therefore there are no late mortgage issues. Therefore : there could not be a 60 day late for XX/XX/XXXX and XX/XX/2014. 
I have applied for a mortgage and have been told the above error in my credit report is preventing me from obtaining a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
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:
I have disputed the student loan XXXX XXXX XXXX account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Please CFPB remove 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 2017-05-30
Company: SUNRISE CREDIT SERVICES, INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sunrise Credit Service, f rom NY, has been calling my home for a month a dozen times a day beginning at  XXXX   XXXX  until  XXXX   XXXX . On three occasions I have answered the phone and explained to the debt collector its not my debt of {$67.00}?? to  XXXX   XXXX   XXXX . My name is the same but wrong address ( lived at my current address for the past 16 yea rs ) an d I have never ordered anything from this company. The second time I spoke with a collector I was told my name and phone number would be removed from the call list and then again at  XXXX   X/XX/2017    they called again. Sick and tired of my phone ringing all day and being harassed for a debt that does not belong to me! Their tactic must be to harass everyone with the same name until someone cries " Uncle '' and pays up to stop the phone calls.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: VA
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 consumer XXXX XXXX, received a consumer report from Experian and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent account is inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy.

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 2018-05-18
Company: Blackhawk Network Holdings Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
I received a XXXX gift card for mother 's day in the amount of {$25.00} and when I went to use it there was a XXXX balance on it ... .I never used the card until I tried to use it today XX/XX/2018.. when I call the card company they said someone used XXXX on XXXX then XXXX on XXXX ... .I told them it wasnt me and they said I have to do a dispute resolution on it and it takes up to 90 days ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for the Making Home Affordable program ( 2 % interest rate ) HAMP Tier 1 and/or Tier 2 through my mortgage lender, SPS. For the last few months, I 've been having a difficult time paying my mortgage and been trying my best to stay afloat. My expenses have increased. To make ends meet, I exhausted all my reserves and looked for help from SPS. I want to be evaluated for every loan modification alternative including the HAMP program which is the lowest and most affordable mortgage payment. I also want a decreased interest rate to 2 % through the HAMP program as well as any incentives. SPS has been delaying consideration of my mortgage application, losing documents, constantly requiring additional items, making me submit new documents because the documents I previously sent to them are now outdated ( the lender dragged their feet ), dual-tracking ( filing a foreclosure complaint while a modification is pending review ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I had applied for a mortgage and found out th at Portfolio Recovery Associates wa s reporting a collection account for a  XXXX   XXXX  credit card debt. I have NEVER had an account with  XXXX   XXXX  ever. I have told all  XXXX  credit bureaus this as well as Portfolio multiple times. I have sent certified letters asking for proof of this alleged debt and all they have sent me was a couple of  XXXX   XXXX  statements not showing anything that was actually purchased. The balances on the statements they sent me do NOT match what they are reporting to the credit bureaus either. This is my last effort to resolve this erroneous account before i send this to my consumer protection attorney to sue them for FCRA, FCBA, FACTA and FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I HAVE CONTACTED THE COMPANY AND ASKED THEM TO STOP AND THEY CONTINUE CALLING ME EVERY DAY, 7 DAYS A WEEK. I EVEN PAY THEM!!!! BUT IT IS NOT THE AMOUNT THEY WANT, SO THEY STILL CALL ME 5-10 TIMES A DAY FROM SO MANY BURNER PHONE NUMBERS. THEY EVEN STARTED CALLING MY HUSBAND!!! WHO I NEVER GAVE THEM AUTHORITY TO CALL, AND THEY SOMEHOW GOT HIS NUMBER AND ARE HARASSING HIM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20
Company: BB&T CORPORATION
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:
I have previously written one of the collections departments and furnished a letter advising XXXX XXXX I am the victim of fraud on or around the date of XX/XX/XXXX. The dates of the even are not 100 percent seeing I was not there and had no knowledge of it for almost a year.The dealership did give me a copy of the loan application. On that documentation it is obvious that the same person signed all signature lines. The name is misspelled the same way on every line and is the same handwriting for all the signature lines.It is obvious that I did not sign this loan. I have sent a letter to XXXX XXXX with copy of my signature and a loan I obtained from the same dealership 3 months prior. Which is how they could have had access to some of my information or my ex husband furnished it seeing we were in the process of separating when this occurred. I have advised XXXX XXXX of this also. The fax transmission date to the finance company is XX/XX/XXXX. It was in XX/XX/XXXX that i pulled my credit and found a loan with XXXX XXXX XXXX. I called the company advised that I had no knowledge of this loan and was fraud. I advised that I would like documentation and information that they have or original loan package. Even with this being identity theft I am still privileged to that information. I have had no assistance from this company in obtaining any loan documents or any information they have used to make a decision to not remove the file from my credit or fund the loan. Since I have no documentation on this loan it is making it harder to fight and obtain counsel to assist with damages if it is not removed off of my credit after this final attempt.

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 2016-02-21
Company: BB&T CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of 2015 BB & T took over Susquehanna bank and my mortgage was transferred to a new account with BT & T. I had brought the mortgage current by that time. The terms of the mortgage have the due date as the XXXX of the month with a 15 day grace period. I made the XXXX payment at the XXXX, PA branch. I soon started getting letters and phone calls saying I was past due on the mortgage. I returned the phone calls, went through the data with a representative and thought the matter was cleared up but the next month I received a statement saying I was 2 months behind and started getting phone calls again. I returned the phone call and went through the payments again. This has gone on until I reached I reached XXXX at BB & T and again thought the issue was resolved. I made the XXXX payment on the XXXX of XXXX and thought everything was fine. Then I got XXXX letters dated XXXX XXXX & XXXX and a phone call on XXXX XXXX saying I was 2 months behind and they were going to report it to the credit agencies. When I called them they had to check my account again and said they would start sending letters and making phone calls on about the XXXX of each month if the payment was not made by the XXXX of the month even though the payment is not late until the XXXX of the month. I recently checked my credit report and found they had reported to credit agencies that I was 2 months behind and lowered my credit score even though I have never been behind since BB & T took over.

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 2020-03-06
Company: AMERICAN HONDA FINANCE CORP
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank in XX/XX/XXXX, my auto loans from Honda Financial Services was reported as being late to XXXX, XXXX and XXXX. I have a very good payment history with Honda. However i don't recall ever missing a payment with Honda. Having this late payment on my reports, ( Honda plans to remove late payment in XXXX, that's a long time. ) is causing me to be denied for new credit. I believe this late payment is an error because i have never missed a payment before or after. When other lender see my profile this missed payment is sending the wrong message, which is not a reflection of my true credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Certegy Holdings, LLC
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I am XXXX XXXX, the XXXX / XXXX of the XXXX XXXX  XXXX XXXX XXXX XXXX in XXXX, Michigan. I have never filed a compliant before with the CFPB but an experience today prompted me to file this one. I view the CFPB as an entity that can make companies that behave in this manner accountable for their actions. 

The company I am writing about is Certegy Check Services , Inc. This company provides check clearing services to many retailers throughout the U.S. Researching this company online, it appears that they do a very poor job of clearing checks which results in credit union members and bank customers having their legitimate checks denied when they attempt to use a check to complete a purchase. Certegy provides a phone number to call, however the phone number does not allow you to access a person to ask them why checks are denied.

Our credit union is starting to see issues with multiple retailers that use Certegy 's services because our member 's checks are being declined. After a search online, it appears that many institutions have this issue. I do not believe it is fair for a company to use incorrect information to deny checks from being used to purchase goods or services.

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