BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

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 2021-05-18
Company: Santander Consumer USA Holdings Inc.
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:
Santander Consumer USA continues to violated the Fair Credit Reporting Act ( FCRA ). They continue to run unconsistently report on each of the credit reports with misinformation. Account information isn't right and continues to effect me. Reports co each month which is restarting the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I sent certified letters to XXXX, Equifax and XXXX on XX/XX/2020 requesting that hard inquiries, addresses and name corrections be removed from my credit report as they were erroneous. 

Equifax did not process my request until XX/XX/2020, XXXX  failed to process until XX/XX/2020, and XXXX XX/XX/2020. 

The inaccurate and erroneous information is negatively effecting my credit report and my ability to secure a loan to refinance my home. I have included documentation to support the steps taken on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
As you know we are in the middle of a pandemic people have been laid off or otherwise let go because of this situation. It seems however that Capital One bank doesn't seem to care about the well being of their clients as ive noticed that they have reported my credit card payment as late and affected my credit score by more than 60 points, I guess Capital One has no morals at all. This is completely unacceptable behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
Actually my issue is not listed on your drop-down boxes. For the pas t four p lus years I have frequently used credit monitoring services, including Equifax direct credit monitoring. I was very  ill  XX/XX/XXXX to  XX/XX/XXXX .   Do to medical bills and lost wages, I had major credit issues. I worked hard with my creditors to resolve my issues. I have also used several credit repair services to help me correct true mistakes. This cost me hundreds of dollars, I also had to contact attorney over  two o f my creditors. Recently when I tried to pull my credit from Equifax which is part of my Equifax monitoring service my file was extremely off and confusing. It had information that was not correct and none of my credit cards, lines of credit, Car loans, or current addresses were on the file. I was completely baffled and I call In multiple times. I was told by a gentleman and I use the term loosely, that I had inconveniences on my credit report. I asked him did he mean inconsistencies I was confused. I spent hours on the phone only to find out if there was a second file attached to me somehow. I 've called into Equifax multiple times trying to get them to close this extra file or at least distance it from my correct file. They stated that they were going to merge my file and I said absolutely not I did not know about the things that are on this file and many things are wrong. Currently I ca n't pull my credit file at all even though I 'm paying {$17.00} a month to be able to pull my credit report daily. They said they would eventually mail me something. This is unacceptable I 'm trying to purchase a condo in the next couple of months, I am currently living with family members in a supposed to be short term arrangement. I 'm sorry that they made a mistake, and I 'm sorry that they have some sort of data integrity issue. However none of that is my problem! I 've consistently given  Correct information when applying for loans, credit cards, lines of credit and for any credit! I have had my current mailing address for more than three years. The lack of assistance and accountability from Equifax is infuriating. Although I 've been able to pull my correct file for more than two years,  and I pay them with a credit card that is in my name only, they now want me to prove who I am? Are you freaking kidding me, they make a mistake and somehow it is my responsibility to fix it! This needs to be resolved immediately. I do thank you for your assistance I know you have a tough job, and I know there are many people that are frustrated ... .so I thank you in advance for any assistance are able to give me. I just feel so lost right now.  <P/> **I do have a long list of names of the people I spoke with.. from  XXXX  to  XXXX  and no  one he lped fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: UNITED COMMUNITY BANK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 I notified my bank that a check I mailed to a business had been changed and that the entire check had been rewritten. I don't know if it was stolen from the mailbox or if someone at the company did this. 

I drove to the bank, they pulled the check since it was actually physically in their branch and stated the check had been clearly washed. Watermarks were visible on the check the the check 's original background was missing from the check. I showed them my carbon copy of the check in my check book to show how the check was originally written. They informed me that people do this to themselves all the time, but they didn't think I had done it. They also stated that if I had found the issue in 24 hours instead of 36 hours they would have returned my money immediately. Today, XX/XX/XXXX, they are telling me that they still have 10 days to review the claim instead of returning my money to me and that the day I reported the issue and holidays don't count against their days. 

The police have been to the bank, issued a subpoena and the bank is still refusing to return my money. 

It's a lot of money for me, {$7600.00}. Under the law they have 1 day to return the money once they have identified that they made a mistake but are unwilling to return my money.

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 2017-06-08
Company: Greentree & Associates
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had the same mortgage company since i purchased my home in XX/XX/XXXX. The started off as XXXX XXXX then change to Green Tree and they are now XXXX. They overcharged me so many time as Green Tree and made my life miserable. I finally 2 years ago had to file bankruptcy just to keep my home. They were sued XXXX XXXX in XX/XX/XXXX. I have yet to receive any information about money i am sure i am owed by them this lawsuit being they have XXXX my whole life up and would like to know what i have to do to get information to claim part of this lawsuit. Please if you can give me the steps to take. Thank you for your time and help in this matter. <P/>Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I noticed that a debt for  XXXX  was being reported on my credit report. I disputed with   XXXX   and Transunion as I had no knowledge of this debt and it appeared to an unverified debt.  XXXX  realized that debt was not verified and removed. However Transunion continues to report despite my various request of an reinvestigation demanding that they provide me proof of physical verification. Not only have they not provided me physical verification but they have failed to notify me of the results of the collection.

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 2017-06-21
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Paypal.com is perpetuating a SCAM by allowing XXXX XXXX XXXX of XXXX XXXX XXXX to continues to collect monies via PayPal.com from his Website XXXX <P/>I placed an order in XXXX XXXX of 2016, and never received my order. <P/>I am not alone hundreds of people ordered from this " seller '' and never received either cuttings or trees. PAYPAL KNOWS about this, and have not stopped him from collecting more funds ... I spent around 50.00, ( Transaction ID # XXXX ) some people have spent over 4,000.00 U.S.D.! NO ONE has gotten either cuttings or trees for over a YEAR and a HALF! <P/>Yet I can put a tree in my shopping cart via pay pal ... .PAY PAL is complicit in FRAUD! <P/>See : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-08
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In  XX/XX/XXXX    Freedom Mortgage became my mortgage provider. I immediately went to their website www.freedommortgage.com where I made all my monthly payments.
<P/>  And then sometime in  XXXX , I received a letter from them advising me that they were taking back the loan service from a loan servicing company. This did not make any sense or difference to me because my payments have always been made and will continue to be made from the same online portal.  <P/> My payments have traditionally been due between the  XXXX  and the  XXXX  of the month. I have never made a late payment ever. See attached payment history.  <P/> So, on  XX/XX/XXXX  I went on the portal and scheduled my payment for the month of  XX/XX/XXXX  as  I have done for all other months prior.  <P/> Unbeknown to me, that is whe n Freedom Mortgage claimed to have taken back the management of my loan from the servicer. In the process of their transition, that    XX/XX/XXXX payment scheduled against my  XXXX  mortgage was never drafted from my account. All of this was without my knowledge.  <P/> At the end of the month of  XXXX , I submitted my payment for the month of  XXXX . That payment got taken for the month of  XXXX .  <P/> In the month of  XXXX , I submitted my payment for the month of  XXXX , that payment got taken for th e one of    XXXX .  <P/> In the month of  XXXX , I submitted my payment for the month  XXXX , that payment got taken for the   XX/XX/XXXX  In the month of  XXXX , I submitted my payment for the month of  XXXX , that payment got taken for that of  XXXX .  <P/> In  XXXX  when I submitted my payment for the month of  XXXX , the payment got taken for that of  XXXX .  <P/> It was not until the month of  XX/XX/XXXX that I realized that the initial payment that I had submitted for the month of  XXXX  was never drafted that I went ahead and made a double payment for that month.  <P/> In the meantime  , Freedom Mortgage has been reporting my payments as late to the credit bureaus.
<P/>
My question to Freedom   Mortgage is this : Was there a payment scheduled on  XX/XX/XXXX  If so, why was that payment never drafted?  <P/> Ano  ther commons sense question I would like to ask Freedom Mortgage. Why couldnt it dawn on them that in all my payment history, I have never been late and that this is due to their confused transition?
<P/>
My contention is that Freedom Mortgage is unduly penalizing me for what seems to be their own internal confusion and I will like for this to be fixed.

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 2017-06-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
ON  X/XX/2013  I HAVE A VEHICLE TRADE IN PURCHASE ORDER FOR MY TRUCK TRADE IN ALLOWANCE  XXXX  ESTIMATE PAYOFF  XXXX  EQUITY  XXXX . ON  X/XX/2013  THE DEALER   XXXX   XXXX   XXXX   RESCINDED THE SALE FOR THE THE   XXXX   XXXX   FOR THE FOLLOWING REASONS PRE BANK APPROVAL. I DO NOT HAVE A CONTRACT FOR THE   XXXX   XXXX   NOR ANY AGREEMENTS OR SIGNATURES FOR A NEW CONTRACT OR MY CONSENT TO MAKE PAYMENTS TO  WELLS FARGO  FOR   XXXX   XXXX   USED VEHICLE I HAVE BEEN MAKING PAYMENTS ON IN THE AMOUNT OF {$370.00} A MONTH EVER SENSE THIS SHADY DEAL TOOK PLACE BETWEEN   XXXX   XXXX   XXXX   AND  WELLS FARGO B ANK FOR USED VEHICLES. THEY HAVE TAKEN MY TRUCK TAKEN TEN OF THOUSANDS OF DOLLARS AND KNOW THEY WANT THE CAR BACK AFTER THEY HAVE WRITTEN OFF LOAN FOR NO PAYMENTS RECEIVED WHILE RUINING MY CREDIT. NO CONTRACT SHOW ME THE CONTRACT I HAVE A CONTRACT FOR MY TRUCK I HAVE A CONTRACT FOR MY   XXXX   I HAVE NO CONTRACT FOR THE   XXXX   XXXX  . ALSO THIS  XXXX  HAS BEEN SERVICED BY   XXXX   XXXX   XXXX     XXXX   XXXX   CALIF AND NEVER ONCE HAVE THEY REPORTED A LICENSE NUMBER ON ANY SERVICE ORDERS BUT HAVE DONE SO FOR MY FIANCES VEHICLE. THIS CAR IS A LEMON FRAUDULENT NIGHTMARE.

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 2019-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I attempted to rent a vacation home over the 2018  holiday season in XXXX XXXX California. The home was listed on XXXX and ended up being a scam. Unfortunately the police couldn't help and also let us know that this was becoming a problem. The person that I was dealing with had a legitimate bank account with Capital One Bank. I attempted to verify this person in one of Capital One 's Bank branches but they only have teller machines and no actual live bank representatives to verify anything. This individual had a bank account that was verified by Capital One Bank who enabled this person to not only use the bank for fraudulent activity which I would call wire fraud across state lines or possibly international. Capital One Bank declined to do investigate at all and rejected XXXX XXXX ( my bank 's ) request for return of funds based on fraud. See attached letter which included everything. Also, a police report is available as well. Capital One Bank takes no responsibility and is enabling this criminal behavior to persist. I have not way to talk to them and find a resolution. They refuse to acknowledge the problem and just direct me to their website which is designed to deflect any blame or ownership. The police are helpless as well and have no authority on this type of crime. People are using these banks to conduct fraud at a rapid rate and the banks are a party to the crime. we need help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
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: Problem with personal statement of dispute

Complaint:
Equifax will not/refuses to update remark as stated/dictated. Proof can be provided that it was paid. It was provided over the phone and thru thru an online dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-07
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/21 XXXX, Ga- discovered check I mailed was stolen from mailbox. Pay to and amount was changed and it cleared my account. Reported immediately to XXXX XXXX XXXX to open fraud case. They said they had 10 days to research. Called back after 11 days and they said they had 30 days. 30 days later was told by email needed to send notarized affidavit which I did, now XXXX XXXX XXXX is saying theyve turned it over to PNC the bank that cashed the altered check and PNC is saying they have 120 days to research. In the mean time, Im out XXXX that hasnt been restored to my account. Trying to find out what I can do to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Information belongs to someone else

Complaint:
I already have a dispute reference number, I just want to track it. It is XXXX We are buying a winter home in Arizona but my job is in Indiana until I retire. My husband who is retired will be living between Arizona and Indiana but I will live in Indiana until I retire. We have our home in Indiana up for sale so I had placed a deposit on an apartment and to my amazement found out on XX/XX/XXXX that I had been declined because of 4 eviction notices filed in the XXXX courts on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX that showed up on Transunion rental screening service. After hours on the phone I found out that the eviction notices were filed by XXXX XXXX XXXX managing XXXX XXXX XXXX  in XXXX Arizona. I have never lived in those apartments and have only rented one apartment back in XXXX. We owned our home in XXXX CO from XXXX-XXXX and then bought a home in Indiana. I worked full time in XXXX CO so someone either stole my identity or a number was transposed. But these eviction notices are for XXXX and XXXX XXXX not myself or my husband who is XXXX XXXX. I need these removed as they are preventing me from renting in Indiana. I have never been evicted in my life as I have always owned a home other than the few months I rented back in XXXX and that was because our home in XXXX XXXX was a 2 hour commute to my job at the XXXX in 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 2019-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
At the beginning of XX/XX/2017, I opened a Bank of America checking and savings account. On XX/XX/XXXX, I deposited a final payroll check from my employer, made out to me, through the mobile app. After the date that the funds were supposed to be posted ( XX/XX/XXXX ), and my account balance was still {$0.00}, I called customer service and they said my check was flagged as fraud and my account was being closed. After going back and forth for 2 months, they said they would mail out a cashiers check for the full amount. They could not provide me a tracking number, estimated date I should expect the check in the mail, nor was it sent certified mail so didnt require an authorized signature to be released. It is not almost 3 years later, and I have not received any check or follow up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-31
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello, I am contacting you about my Citibank Double Cash MasterCard. I think it is safe to say that they assume that customers are not capable of calculating what their interest rate is or how it is applied. They have been fudging the numbers on my accounts for a very long time. My card has an ending promotion period where the interest rate was 1.99 %. To mark this event my details show my last payment before the ending of the promotion period as $ XXXX making it seem as if no payment was received and the double interest to offset the double cash is in place to XXXX my account starting XX/XX/XXXX.  Their website used to automatically update customer balances as soon as you make a payment. This is no longer the case. I have not contacted them about this theft because I do not look forward to the upcoming lies. The objective is the same as other large banks. I believe it is easier for them to steal from people with larger balances so they do so with reckless abandon leaving the consumer deeper and deeper in debt for the greed of inept corrupt government. Ending balances, payment made and statement information available if and when needed. Please assist. Thank you.

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