BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2023 I deposited a mobile check using the Wells Fargo app for the amount of {$1400.00}. I then on XX/XX/2023, in error, accidentally deposited it at XXXX. XXXX. I get I messed that up and that's my fault. The double deposit cause XXXX. XXXX  to not cash the check and it was never credited to my XXXX XXXX account. Wells Fargo also pulled the funds and opened an investigation case # XXXX. After several days they indicated that they had the funds and would return the funds to the originating account and that I should reach out to the issuer. The issuer is my employer, XXXX XXXX XXXX and they are also a Wells Fargo client XXXX They have confirmed that Wells Fargo has not returned the funds to their account. 

I have called Wells Fargo several times and have gone in person several times to my local branch. My local banker, XXXX XXXX XXXX, has confirmed that XXXX has not had the funds returned, and had to spend several hours on the phone trying to get help. She was unable to and just went in circles with their phone help desk. The bank XXXX, XXXX XXXX XXXX, became frustrated with the telephone support and suggested they, the XXXX employee, file an escalated complaint. They did this on XX/XX/XXXX and I have not gotten anywhere. Compliant ID is XXXX. 

I am looking for help in some shape or form to get the money returned to my employer or to have it deposited back in my account. It's not a small amount of money and it's impacting my financially. I don't know what else to do. Any help or support is greatly appreciated.

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 2015-06-08
Company: FACTUAL DATA CORP.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit report for new loan found out there is a bill total XXXX from XXXX XXXX is not my bill belongs to a family member now on my credit report causing my score to go down. I did pay this for that person, however I do not think this should be on my report. XXXX has several XXXX complaints and continues to be allowed to mess up people 's credit because of their bad practice of lying to customers. This bill was not even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been trying for weeks to get ahold of my Student Loan Servicer MOHELA and can not get through to anyone after waiting hours on hold to try and get a refund for payments I have made during the pandemic. Initially their website " customer service phone number '' directs you to Studentaid.gov it's not even their phone number. There isn't any application for refunds or anything on their website regarding this. I Have also tried to email them from their website twice with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: MD
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:
Other consumer reporting agencies have already removed this incorrect information ( please see attachments ) from their reporting system. According to the Fair Credit Reporting Act, all reporting should be fair and accurate ; hence your company should also remove and block the items mentioned in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This account is reporting inaccurately. This is a violation of the Fair Credit Reporting Act.

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 2023-07-18
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I called Truist bank for a payoff on my loan on XXXX The number provided was XXXX and was good until XX/XX/23 I mailed a check for that amount on XX/XX/23 They received my check on XX/XX/23 On XX/XX/23 they sent me an invoice for an additional XXXX I have called 7 times and each time they claim I still owe them XXXX The invoice they sent me shows principal payment of XXXX and interest payment of XXXX for total of XXXX which is amount I paid The last call they told me that the payoff amount they quoted must have been incorrect - even though it jives with the XX/XX/23 statement

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 2023-02-10
Company: Experian Information Solutions Inc.
State: MS
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 been sending in complaints and disputes letters for 6 months now and nothing has been done. Ive called and no one has done anything to get the fradulent items off my credit report. I did not work with these companies.

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 2023-01-21
Company: Experian Information Solutions Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first contacted XXXX XXXX company regarding my move and asked if they could turn off Gas at the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX as I moved out XX/XX/XXXX. The company responded that they could not do anything as there was human life in the house, that the current residents had to call and switch the gas bill to their name. I was under the impression that the current residents had did such thing because I did not receive any notice of payment needed. XX/XX/XXXX I received a report on my credit report. I called the company stating that I did not stay at XXXX XXXX XXXX XXXX, XXXX, PA XXXX during the time from XX/XX/XXXX to XX/XX/XXXX. I also stated that I called asked for them to take the gas out of my name and they refused to do so as it was human life in the resident. I do not feel liable for any expenses accrued after XX/XX/XXXX as I no longer stayed at the property past that time and also informed them the company that I no longer resided at the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX please remove all credit and financial obligations as I did not reside and informed them that I did not live at the property.

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 2023-07-19
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Ive been paying on my title loan for going on 6 years, maybe more. Ive moved across the country since and I dont know where I placed the paperwork. They forced me to get the payment protection so if I were to XXXX they would consider the debt paid. Im paying about 100 % interest on the loan with almost {$6000.00} left to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Affirm Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Affirm XXXX will not let me close my account, I have called them several time to close my NO balance account and they refuse to do so, putting me on extended hold sessions, tell me there are technical difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: NCB Management Services Inc.
State: VA
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is another complaint about the outfit called " Midland Funding LLC '' Through the CPFB process I have learned that Midland bought this " debt '' from a credit card company and that the credit card was issued to " XXXX XXXX '' at my address in XXXX XXXX. My name is XXXX XXXX and I have NEVER used the name XXXX XXXX. Midland ignored this fact and insists that I owe this debt. My original complaint number was XXXX. I maintain that this debt was issued fraudulently and that I do not owe it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a Balance Transfer Promotion for my Citi Mastercard.

Everywhere it state 4.99 % Promotional APR on balance transfers until XX/XX/2024. 

Which is great for today 's interest rate environment. 

Fortunately, I read through it a bit more and noticed there is ALSO a 5 % standard balance transfer fee! 

So, it's not really 4.99 % promotional, but rather 4.99 % APR PLUS an additional 5 % UPFRONT Fee, bringing the loan to cost OVER 10 %! 

That is extremely deceptive. And when I called about it- it was just as confusing speaking with the customer service. I had to hand up and speak with someone else - because they wouldn't be so clear that it was actually a cost over 10 %. They kept saying it was 4.99 %, when I pushed them, seemed there is the ADDITIONAL 5 % charge. 

Unfortunately, i had done an earlier one with them- but think there wasn't the additional fee... just so confusing and deceptive.

I am XXXX XXXX XXXX  XXXX XXXX XXXX. If i'm confused, then clearly most people won't get this. I'm not sure why this is legal and not considered deceptive. Somewhere it should disclose, speak out the total cost. 

-- -- -- -- -- -- - it's also a trap- XXXX once you do the balance transfer, then any new charges are at the full purchase APR, and you have to bring the balance to zero to start paying that new charge. 

Unfortunately, when I did the previous balance transfer and locked my card for further charges - it didn't block recurring charges- even the ones i had changed not to charge- for example, XXXX still charged on that card, even though i changed the CC with 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 2023-03-13
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I applied for help with XXXX doing business as Cross Country Mortgage. I filled out the Loss Mitigation Forms and Mortgage Assistance forms and I uploaded all the information that was required on their website. We called to speak to our customer representative named XXXX XXXX and left a message on XXXX and never received a call back. We started receiving loss mitigation packages in the mail from the company at least 2 packs a week and we would fill them out and send them the required information. We never gotten a response from anyone other than the loss mitigation package in the mail with no other correspondence. We called the company again and got no return phone call. All I wanted was to get help because of the financial crisis I was in but I got no response from any one. I got the runaround and no help, so I gave up. I reapplied again on XX/XX/XXXX and filled out the same forms and sent them all the information they requested and on XX/XX/XXXX we received another loss mitigation package but no response about the previous applications and information that was sent to them. I am begging for help but I am not getting no response, I dont want to lose my home, but I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
15 U.S. Code $ 1681c-2 consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 
Names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts

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 2015-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
there is a fraud account listed from XXXX # XXXX that was opened back on XXXX which i have disputed numerous times with the creditor and the credit reports for months now the creditor sold this fraud account to XXXX as a charged off account when in dead it was a fraud account, the creditor never followed up with my disputed and ignored my disputes and never resolved the fraud dispute with this account and needs to be removed from my credit files.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im writing to get the assistance from CFPB. My financial hardship began XXXX of XXXX. When my wife lost her job and we became XXXX household income.. In addition to make matters worst I had to force retire in XXXX due to health issues related me and my wife getting covid and due to bad respiratory existing problems we felt we git into a really bad health and our income was reduced once again due to XXXX. During this time since we saw past due, we reached out to our mortgage company and applied for assistance numerous times.We have applied for mortgage help since XXXX and each time the mortgage server our mortgage company has denied us due to a negative present value .NPV. I have been denied for the negative present value XXXX times, each time that Ive been in review for mortgage assistance the mortgage company has had forclosure running at the same time while getting help, They have never added a single point of contact over the last XXXX to XXXX years. This mortgage company has never offered me a loan modification assistance, they have mishandled my payments and XXXX XXXX requested for their servicing XXXX servicing guidelines and provide me with my investor information and mortgage service agreement and I have been refused.

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 2023-07-19
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Commute to work has been a continuous struggle without any ventilation. Despite my requests, the company refused to accept the return of the car. I no longer desired this vehicle as it did not match my initial purchase expectations. For the past XXXX years, this car has functioned without proper air conditioning. Moreover, the car 's system frequently malfunctions while driving, causing unexpected stops in traffic. The information provided about the vehicle was deceitful and manipulative. I never agreed to pay for a car under these circumstances, and I find this manipulation highly unjust. The promise was that I would receive an operational and safe car for my family, which clearly hasn't been fulfilled. It's unfair that my family now bears this financial burden without a reliable vehicle, especially considering the needs of my XXXX child. I refuse to make payments for a car that is inoperable, as it was not part of our agreement. Despite my request, I haven't received the original contract, and the contract you attempted to provide is fraudulent and not signed by me. The Truth in Lending Act ( XXXX ), which is a federal law, mandates that lenders disclose specific information to borrowers regarding the terms and costs of the loan. This includes providing a written contract or agreement that clearly outlines the terms of the loan, such as interest rates, payment schedules, and any applicable fees. Sending a fraudulent contract is against the law. I insist on receiving the original contract before any further communication or payments. I will not make any additional payments for a car that can not be operated. XXXX years ago, returning the car was not allowed due to the representations made by your staff and the dealership, claiming no returns were possible. You manipulated me, and now you expect payment for a non-functional vehicle. The contract itself was founded on falsehoods, which is why you are withholding this information from me.

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