BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I would like to file a complaint against XXXX, XXXX and Equifax Credit reporting agencies, I have been communicating with them via fax, mail, phone call for the past months ( since XX/XX/2019 ) to have my credit report corrected and delete what was not supposed to be my account since I was a victim of identity theft. I submitted to them a copy of the police report and all the attachments, Equifax has not deleted the information that needs to be corrected inspite of my repeated request of investigations and update of my credit report. I am an XXXX XXXX or XXXX XXXX  and I have been having difficulty getting a business loan or any personal loans especially with this COVID 19 pandemic which I need to get a business loan and can't get any approval from anyone because Equifax is not giving me the right information on my credit profile. XXXX is saying that I currently have no positive score or credit established to give me a score. I am XXXX fico score with XXXX. Equifax at one time last year reported me as DECEASED and after I called and send them letter for months is the only time they corrected it. Some creditors have told me that they already sent a deletion of the negative information due to identity theft but XXXX and Equifax is not doing what they are suppose to be doing. I have established 4 years of car loan with XXXX, I have XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX which I have almost 2 years now with a good payment history and yet XXXX is saying I don't have a positive credit history. Please help me with this problem as I have been dealing with them for a year and one time used a credit repair agency to help me I have paid almost XXXX to help me but the credit reporting agencies have not done anything to resolve the problem. Aside from these 3 credit bureaus, the creditors that I want to file a complain is XXXX XXXX, XXXX XXXX, and the XXXX XXXX XXXX. Thank you so much for your attention regarding this request. I am hoping to hear from you and your assistance with this matter is highly appreciated. Be blessed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, I actually review CFPB complaints for a large mortgage company so I will make this concise. Recently I decided to look into financing/purchasing a rental property. Upon checking my credit score ( as one does during this sort of process ) I noticed that My Equifax score is dramatically lower than all other reporting agencies. I will upload a pdf labeled CFPB 1 showing a roughly XXXX point difference between Equifax and the other reporting agencies. When i looked into what had caused the decline of the Equifax score the issue got even more confusing. As item labeled CFPB2 shows, Equifax is reporting that the reason for the decline in my credit score with them is due to me paying down a balance I have on a credit card by a conservative amount of only {$100.00}. How is my credit score decreased due to myself making a payment towards my balance?! is Equifax trying to make people crazy? Lastly, when you call Equifax you can never get a person that can speak English or understand it for that matter. Is that even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Total Card, Inc.
State: CA
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:
This is the 3rd month straight that I keep being charge for late fees which I shouldn't, I keep asking them over and over to keep stop charging me for late faeth when I'm making my payments on time in they refused to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was looking to purchase my first home & Quicken loans/Rocket Mortgage said I could afford a loan through them. The home was found to be on 2 parcels well before we finalized the mortgage & Rocket Mortgage ordered an appraisal to include the second parcel. I was assured throughout the process that the numbers presented to me, which were the max I can afford, included taxes on the 2 parcels. The finalized payment was $ XXXX/mo in total which is at the maximum of the debt/income ratio lenders need to qualify for loans as I make only $ XXXX through XXXX. Three months after moving & the city sent out the tax bills I received a notice from Rocket Mortgage saying that my mortgage was sold to another company. Later upon checking my payment for XX/XX/2020, I noticed the payment had ballooned to {$1000.00}. 

I called Rocket Mortgage & they told me they didn't know there was a second parcel. They said that once they added the second parcel it ballooned my payment & that I have to pay it. I only make $ XXXX/mo. I can't afford this loan & I can't sell me home for at least a year because of the mortgage contract stating I was buying the home to live in, not for profit. This is either a case of predatory lending or gross negligence, but either way Rocket Mortgage violated federal law when they issued this loan to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are accounts found on my credit report that I would like to dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not aware of these accounts and they should be investigated

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 2015-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
An account listed under XXXX is being reported on my credit report.The Account is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/22 I applied for a home loan and discovered an old debt thats not mine. The status is closed but on my report it shows that there was a balance of {$8000.00}. I contacted XXXX XXXX XXXX and they have no record of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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:
CONTACTED CREDIT REPORTING AGENCY ABOUT INCORRECT ITEMS REPORTED ON MY REPORT AND CREDIT AGENCY INFORMS ME THAT ACCOUNT WERE REAL AND VERIFY WITHOUT PROVIDING ANY PROOF OF HOW THEY CAME UP WITH THIS CONCLUSION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: CA
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:
i file a dispute with these two company XX/XX/2020 and i still have yet received anything from them.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Yes, several time disputed. 
Creditor have continuosly by error placing my account last two payments delincuent. Payment was delivered on time at creditor drop box. 
Lender start to call about payment, i have visited their facilities and lender agreed their responsability with payment have lost at their facility at their drop box and asked to replace lost payment. 
Payment was never late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
i file a dispute with these two company XX/XX/2020 and i still have yet received anything from them.

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 2015-10-07
Company: Specialized Loan Servicing Holdings LLC
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Servicing ( SLS ) assumed our loan from XXXX Bank but failed to notify us of the change. Our loan payments continued to be made to our XXXX checking account per the agreement agreed upon when the loan was originated. SLS falsely reported XXXX late payments to the credit agencies greatly harming our credit. I have contacted SLS on numerous occasions and they are unwilling to correct this wrong. Their continued delay continues to cause great harm to my families well being.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I recently purchased a new car and am having issues with my lender, Wells Fargo Dealer Services. I received a collection call after receiving no information about my loan - including account number and any identifying information for websites. After complaining that I had no information and just wanted to be enrolled in Auto-Pay they took my bank information and I made a payment. I then logged into the website to sign up for Auto-Pay. I made 3 attempts to enroll online and I believed that the last attempt succeeded. The next month I got a call saying my bill had not been paid and being treated as thought I was a criminal - I never pay bills late, so this was very frustrating to me. I paid via phone again and they had no explanation for why my auto-payment had not been taken. They have my information so I asked that they just enroll me in it. They said they ca n't do it over the phone ... even though they store my information and have all the same information on file that they would need to enroll me. I logged in again during the month and tried to re-sign up or confirm my signup. It gave me an error message. Today I received the same call. For the first time the rep informed me that it takes a full billing cycle to work, which no one had told me, and also that somehow it was n't showing that I was enrolled. I made my payment and scheduled a payment for the next month, then I asked if he could enroll me in auto-pay. He said he could n't, but I could log in online and enroll or enroll by mail. I logged back into the website and got another error message after filling out all the forms. ( Keep in mind that every time you want to enroll it requires logging into both your loan account and your bank account to get account and routing information that Well Fargo is already storing ) This time I called and was told that because my account was past due ( I already authorized a payment today ) their policy was to prevent my account from enrolling in online banking until the payment processed. I can do other things online, just not fix my problem. The policy is clearly set up to keep consumers behind on payments. There is no logical reason why, after logging into their site on many separate occasions, I have not yet been able to successfully pay my bills automatically. And there is no logical reason why the ability to enroll in auto-pay should be limited because of an issue enrolling in auto-pay! It 's absolutely a system meant to create inconvenience and to prevent you from solving the problem when you are actively dealing with it. Please require that they change this policy that is damaging to their customers. I just want to pay my bills easily, and if there is a problem - fix it promptly. That should not be too much to ask.

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 2015-09-21
Company: AmeriHome Mortgage Company, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan has been transferred to Amerihome Mortgage and since the transfer I have had one nightmare after another. I was proactive in signing up for ebilling and auto debit. they missed the first auto debit and then said that they could not auto debit the XXXX payment since I was late on the XXXX. After calling to settle this and authorizing both payments Amerihome failed once again to debit the payments and I had to call again 1 week later to get the mortgage paid. I then received notice of forced placement of insurance but my premium is paid in full through XXXX and they were given the Mortgagee Clause in XXXX but failed to update their own information. This has caused far too much aggravation and their customer service has been less than helpful as they did not have the means to process the payment on XXXX phone call and had to transfer me to the billing department. They state that it takes 2 months to set up an online account which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: PNC Bank N.A.
State: PA
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/2020 and numerous other occasions, PNC Bank has aggressively charged our business checking account overdraft fees of {$72.00} on XX/XX/2020, when as of XXXX yesterday XX/XX/2020 our account balance was {$8.00}, and we were charged the 2 overdraft fees this morning, yet there were no transactions that should have made the account go under the {$8.00}. PNC has done this on a continuous basis, and it seems that if the account balance is low, their computer systems are programmed to aggressively set up the opportunity to charge the overdraft fees. We have been charge upwards of {$1000.00} in overdraft fees, and we feel at this point it is because of their system. I reached out to retail escalation rep XXXX XXXX, who has offered to give some of previous funds back, but has failed to do so. At this point we are going to terminate our business relationship with PNC and are searching for an attorney to look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Bread Financial 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: Account status incorrect

Complaint:
My credit reports show my mortgage paid late even after I made forbearance arrangements with the lender in violation of the CARES ACT REGULATION 5. 
I have attached a copy of my report for this account for the last 2 years. 

The other complaints were credit card companies that reported lates after arrangements were made and honored. Please see attached files for each account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Bread Financial Holdings, Inc.
State: MA
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:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-09
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I reached out to Navie nt 2 weeks ago wi th the CFPB recommended payment letter explaining how I want my payments allocated.  <P/> I sent another email 2 days ago requesting confirmation that the letter was received.  Navient responded saying that they received my letter but I would need to send one with every payment.   <P/> I called navient on  XXXX  stating that my instructions were for all payments going forward. I also explained that their website does NOT state that a letter needs to be sent with each payment. Their instructions only state that you can reach them by writing a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/2020, payment of XXXX. Me and a partner have been trying to make a payment when they called and take XXXX each week. Turns out, they haven't been taken out the money from my partners account and now it is 37 days late when we asked to take out XXXX each week. We just paid XXXX today and made sure they actually did it. They kept saying payment received but turns out they never took out any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have wrote Experian on several occasions to remove the inaccurate address off of my profile but they will not remove it. I have sent in verified notarized proof and they still refuse to remove this address from my credit profile. I wrote them in XXXX, XXXX and in XXXX and it is the same old thing. I wrote them XX/XX/2020 and they received my information on XX/XX/2020 and XX/XX/2020 I received dispute alerts saying that my disputes where complete. In seven days they decided to mark my dispute as complete. They just received it so did they even take to proper steps in looking into this situation are did they just decided to do what they wanted and keep the address listed on my 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 2016-06-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We have flood insurance for our home in Florida and we have since we built it in XXXX. Please see the attached XXXX XXXX XXXX page. Even after being sent proof of this 5 times, Wells Fargo ( WF ) has been stealing money from our checking account to pay for a " forced flood policy ''. We were told on XXXX XXXX by a WF banker the issue would be resolved in XXXX10 business days. Did not happen and they have continued to steal money from us. Please note -- WF did the same thing to us 2 years ago, which we will address later once we clear this current incident up. More detail : We began getting letters from WF last year that we do not have flood insurance and need to get a policy. Each time we got a letter, we acted on it, first by notifying WF and sending them proof of insurance, then later we began taking the letters to our XXXX agent and having him verify the policy to WF. See the attached copy of the last letter from the agent. In XXXX we noted that WF debited our checking account for more than the mortgage payment and were told by XXXX XXXX, a local WF banker, that they took extra money to pay for a forced flood policy. After a conference call to our XXXX agent, he told us this would be resolved in XXXX10 business days. About a month later on XXXX XXXX, we called him and left a message that nothing was resolved and that he should check to make sure WF was not going to steal more money from us in XXXX. As you can see from the attached letter from XXXX, WF stole from us again in XXXX. XXXX also told us that WF was unable to reimburse us for the money they stole until they got the funds back from the insurance company, which we informed was ridiculous -- they need to give us back the money they stole immediately.

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 2020-08-07
Company: AMERICAN HONDA FINANCE CORP
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
American Honda Finance is not reporting on-time payments to XXXX. American Honda Finance is only reporting past due payments in payment history. This is a FCRA violation and negatively impacts my credit score. Attached please see excerpts from XXXX  credit report clearly showing only past due payments in payment history for both account XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions 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:
These are not my accounts, nor are these my names and addresses on file. Please remove them.

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