BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: Benworth Capital Partners LLC
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My name is XXXX XXXX, I am XXXX with XXXX XXXX XXXX, I applied and received funding from SBA/PPP Loan Advance, Benworth Capital Partners is the Lender. The funds were supposed to be deposited in the my checking accounted on XX/XX/2021. Ad of today Tuesday XX/XX/2021, funds have still not arrived. 

I scheduled and met with various Bank Associates of XXXX XXXX XXXX, they continue to tell me that the Lender did not release the funds. I applied to another lender for a small loan XXXX XXXX and the loan amount was deposited into my account in 2 days. I have not collateral other the my SBA Loan Number, and was given a small loan at a very high interest. 

I have been funded since XX/XX/2021 when I received my PN with a loan number. I even contact Ms. XXXX of the SBA and she advised me to open up a XXXX Bank Account ( although the lenders did not make this a requirement ) which I did. I am still having a problem with the funds being deposited. 

I am not getting a straight answer from anyone, XXXX XXXX XXXX, and Benworth Capital LLC. I am about to loose my banking privilege 's because money has not been deposited to cover over draft fees and has been in a negative for over 30 days, I was told by XXXX at XXXX personal checking the my account would be closed today if money was not deposited. I am flat broke, I have been awaiting a deposit since XX/XX/2021. I have all the documentation that is need verifying that the funds were transferred I have waited past the required time set by the lenders and the receiving bank. 

As of today Tuesday, XX/XX/2021, I am still waiting. Please help me resolve this is and prevent me from loosing my bank account and my business. 

Regards, XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Recovery One, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Collection agent said that I wrote a check to  XXXX   XXXX  from a   XXXX    XXXX   XXXX  account that I do not have. He would not give me any information, contradicted information that he would give me, said the drivers license obtained in conjunction with the check was not me. I am afraid this is fraud on the collection agent 's part. He was rude, demeaning, and abusive. In fact, he acted like he was a child, whining and making fun of m e. Recovery One,   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I request to see results soon considering that this complaint has been filed before and you have failed to comply with the time that federal law provides, or I would have to take other legal action towards you to see results

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 2021-12-13
Company: Experian Information Solutions Inc.
State: NC
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:
I request to see results soon considering that this complaint has been filed before and you have failed to comply with the time that federal law provides, or I would have to take other legal action towards you to see results

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 2017-04-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A circuit court public record #  XXXX  popped up on my Equifax credit report TODAY  XXXX   XXXX ,  XXXX . The account shows a report date of  XXXX   XXXX . I have received several credit reports directly from Equifax in  XXXX  and this erroneous public record has NEVER been on any of them. I have no knowledge of this public record and Equifax is reporting this negative account a year later. Equifax has a section designated for public records, and this public records did not report as of  XXXX   XXXX . We are in the year of  XXXX , I have no knowledge of this year old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Direct Recovery Services, LLC
State: MT
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have received multiple phone calls from someone who calls himself "  XXXX   XXXX  '' with " Direct Recovery Services '' at my place of work after  XXXX   XXXX  has been informed that I am not able to take collection calls while at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$260.00} XXXX XXXX XXXX Balance {$520.00} Inquiries : XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I spoke with a representative concerning a 30 day late payment that is showing on my Transunion and  XXXX  credit report dated  XXXX   2016 , I explained to the representative that I was never late and to please fix this with the bureaus. The representative advised me that they could n't go back that far and validate if there was even a late payment that the only thing that he could see was notes that the account was past due at that time. They refused to get this fixed with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: NV
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 a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: U.S. BANCORP
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We have several lines of credit wit h US Bank. L ast fall our private banke r (   XXXX   XXXX   ) r eached out to us and said she needed to renew our line of credit. We had never received a letter, email, or phone call prior to this. We had communication through email over the nex t 6 wee ks where she was trying to earn more of our business loans that we use other banks for. We got her our taxes and got the line of credit renewed. Right around the same time we got the line of credit renewed we received a letter stating tha t US Ba nk had hit our credit for late payments. Not once during our communication, where she is trying to earn more business, did she say anything about the line of credit being past due or anything. ( I have all of the email correspondence ) I contacted  XXXX  and she stated that it was their mistake and she would get it taken care of. She tried two times to have their credit department fix it but they said they are unable to.     By the way this line of credit was on auto payment which they shut off. Once again without notifying us. I run several businesses and have lots of notes and mortgages because of this. If I cant rely on a bank notifying me that a payment is due, loan is expiring and so on I will be in for a world of hurt because I do n't know how I would keep track of all of 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 2018-03-12
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi, I do not remember for applying Credit from following 1st and 2nd company. 
I request you to pls remove off from my credit report. 
1 ) XXXX XXXX XXXX : Inquiry Date : XXXX XXXX National Credit card Cos. 

2 ) Discover Bank Inquiry Date : XXXX XXXX & XXXX National Credit card Cos. 


and I have closed everything form XXXX XXXX XXXX. I have nothing with XXXX XXXX XXXX. 

3 ) XXXX XXXX XXXX XXXX XXXX. 
Inquiry Date : XXXX XXXX Telephone Companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Comerica
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Recently I paid off Comerica Bank line of credit. I have been requesting the lender to provide me complete itemized payoff calculation because I find I overpaid but lender is not responding at all. I have sent a written letter to comerica ; reached out to their quality assurance team over multiple phone calls still no luck. I have attached a pdf file that describes all gory details related to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I attempted to pay for my child 's school online and included the routing number available from my checks issued by SunTrust, my payment was declined as a " bad check. '' I contacted the school and was told the issue on their end said bad routing number. I logged on to the online banking system ( SunTrust rerouted me to Truist ) and after searching on the Truist website, I learned the routing number changed ; however, I was never made aware that the routing number would change nor have I been provided with new checks.

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 2019-12-17
Company: BB&T CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Among other poor business practices, I was lied to by XXXX XXXX, a BB & T mortgage lender at my bank. She told me to sell a vehicle to get the debt out of my name and then she could give me a 3.75 or better rate on a refi mortgage. 
I told her I could have my son purchase the vehicle to get it out of my name but it would cost me a lot of money to do so. She promised me that if I sold it she could complete the mortgage. After I sold my vehicle to get it out of f my name she said she could not give me the mortgage after all. 
Additionally, I told Ms XXXX that time was of the essence when I contacted her about my mortgage refinancing needs. She assured me it would not take long. Over three months later with little communication from her ; and asking me to get a vehicle out of my name. ( I had to initiate all calls, texts etc. ) I was turned down.

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 2017-04-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On  XXXX   XXXX  ,2017 I sub mitted a dispute to all three CRAs. I have received the results from  XXXX  and  XXXX , but not Experian. However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against  XXXX    XXXX   XXXX   XXXX    in Court. Ea ch report is reporting a different date that the account is open, the highest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed date.  XXXX  providing each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt.  XXXX    XXXX   has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.

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 2019-08-08
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My complaint relates to the Comenity Bank XXXX Visa credit card, which is a general-purpose card and is not limited to use at XXXX. I applied and opened my account on XX/XX/XXXX. One of the promotions offered was a {$20.00} welcome gift certificate to be sent to me via post mail within a few weeks of receiving my card in the mail. To date I have not received this gift certificate despite my account being in good standing. I was expecting the gift certificate to be mailed, and carefully searched any letters that were sent to me related to the credit card. I am positive the gift certificate was not sent via physical mail. 

I have reached out to Comentiy Bank customer service multiple times regarding this issue via secure email and phone. The bank customer service referred me to XXXX store customer service, who confirmed the gift certificate is a benefit offered by the bank, not the store. They also said the bank recently went paperless and that the gift certificate could have been sent via email instead of physical mail. The only email I've received from the bank was on XX/XX/XXXX and contained only general information about the credit card and benefits. I never received emails related to my bills or my communication with the support staff. We did confirm that my email address on file is correct and that no emails were mistakenly sent to spam, etc. 

After being unable to assist me, XXXX store support referred me back to the bank, and the bank continues to refer me back to the store. The bank refuses to address the issue and it is clear at this point that they have no intention of sending me the promotional gift certificate. I have closed my account effective today, XX/XX/XXXX. Attached to this complaint are copies of my communication with the bank customer support team via secure email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: VA
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:
one XXXX is reporting a collection after I sent a letter from the company paid in full. 
2. all three is reporting a higher usage than is correct it need to go down since I have paid the loan in full it went up when the loan was reported to the three reporting and now since the loan is pain in full it should go back down at all three crediting reporting

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 2019-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2017-04-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My husband and I have an auto loan through Wells Fargo Dealer Services. The vehicle was in an accident on XX/XX/2017 which resulted in a total loss. The insurance company paid the claim on XX/XX/2017 and the service contract was cancelled which produced a refund being sent back to Wells Fargo. Even with these payments, there was still a balance left due. Prior to the payments being made, I spoke with Wells Fargo in order to set up some sort of settlement. I was told they would not enter any negotiations until the payments were applied to my account. I spoke with Wells Fargo Dealer Services on XX/XX/XXXX on a recorded line to attempt to settle the balance. XXXX, the representative, offered a settlement amount and I asked if it was possible to settlement for an amount about {$500.00} less. He was going to check with his supervisor to see if this was agreeable and then call me back. I called to follow-up on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and never received a response back. On XX/XX/XXXX I received notification that they had reported to the credit bureaus that my account was 30 days past due. My account is not past due, in fact it is about 3 years ahead due to the payments from the insurance company and the service contract. I believe the lack of response from the representative, XXXX, and the reporting on my credit was a willful scare tactic to bully me into paying the full amount due. 
Further, they have been making several collections calls to both mine and my husband 's cell phone. I have repeatedly told them to not call my husband 's cell phone during the day as he works XXXX and it disturbs his sleep. They have called him on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These repeated calls after our numerous requests for them not to call his cell phone are harassing. Also, whenever we are able to answer the call we tell them the vehicle was a total loss and we are negotiating with their total loss department. They tell us we can then disregard the call, however we continue to get called. These calls have all been on recorded lines. 
In addition to these unethical collection practices, they also willfully extended a loan to us which was well over the value of the vehicle and denied us the option to purchase gap insurance. This unethical practice is why we are in the predicament we are in.

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