BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
the following account appears on my credit report, without any authorization, please check it, it's hurting me : CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is not allowing consumers to dispute and upload evidence on our behalf proving beyond a reasonable doubt that they are reporting false and inaccurate information on our credit reports. So I am uploading this information for you to submit on my behalf. I have proven beyond a reasonable doubt that all information is true and correct. They like  XXXX  and   XXXX   are committing fraud by not allowing consumers to upload evidence proving accurate. It is a scam to try and get money out of the consumers. They are abusing and in direct violation of anti-trust laws, according to the FTC.

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 2021-12-14
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX keeps reporting multiple charge offs on my credit report with multiple debt amounts and duplicated accounts. Its being reported that I cosigned on these debts but another is showing that the responsibility is otherwise.

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 2021-12-14
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: Account information incorrect

Complaint:
XXXX keeps reporting multiple charge offs on my credit report with multiple debt amounts and duplicated accounts. Its being reported that I cosigned on these debts but another is showing that the responsibility is otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE 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 information incorrect

Complaint:
XXXX keeps reporting multiple charge offs on my credit report with multiple debt amounts and duplicated accounts. Its being reported that I cosigned on these debts but another is showing that the responsibility is otherwise.

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 2021-12-14
Company: Colony Brands, 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: Account status incorrect

Complaint:
On this XXXX XXXX account I was advised because of the Pandemic when I contacted them in XX/XX/XXXX, they would remove the late payment in XXXX. Instead of removing it they left it and added fraudently late payment history for XXXX in which I never used the card this year at all because I was going through a mortgage process. The account is showing now 6 times past due which is incorrect and as a result of this incorrect information I was denied a car loan applied for this year. This information was added after my closing because there would have been no way to close on my house which this deliquent information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I returned home from vacation on XXXX and when going through the mail i discovered a Demand letter from XXXX XXXX XXXX XXXX XXXX telling me i was delinquent on my XXXX property taxes to XXXX XXXX on my XXXX Rose XXXX XXXX XXXX XXXX my residence ). It said if the bill was not paid by XXXX there would be additional interest and penalties and failure to pay by XXXX would result in XXXX County proceeding with levies and sale process. I immediately called Wells Fargo ( the mortgage holder ) at XXXX at night and spoke with XXXX ( XXXX # XXXX ). She confirmed that when they refinanced my old loan ( XXXX ) to my new loan ( XXXX ) back in XXXX XXXX that Wells Fargo failed to pay the XXXX taxes. She old me that she put in a work order ( XXXX ) and it would take XXXX business days to process. I asked for her supervisor and she told me that there were no supervisors available and could they call me back. I said yes. At XXXX XXXX XXXX XXXX ( XXXX number XXXX XXXX ) called me back. She confirmed that it was Wells Fargo 's mistake and it would be paid by XXXX ( a total of 18 days after the demand letter and 7 months after the initial error ). She confirmed that Wells Fargo would pay any penalties and interest. I asked her about the effect on my credit rating and was told that if i could show written proof to Wells Fargo that it adversely effected my credit they would correct it. On XXXX at XXXX I called the XXXX County Tax Commissioner 's Office and spoke to XXXX XXXX XXXX She noted in my file 1 ) I had contacted the mortgage holder 2 ) I had contacted XXXX County Tax office 3 ) The failure to pay was due to a re-fi 4 ) the bill would be paid by end of XXXX XXXX. She told me that there was a tax lien on my property and it would be removed 6-8 weeks after the bill was paid. What i do n't understand is why Wells Fargo did not catch this. Do they not have an audit process designed to catch these mistakes? Why can this not be taken care of immediately? Given my past experiences re-financing this property with Wells Fargo i do not trust them to take care of this issue in a timely manner and I will be the one to pay the price.

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 2017-04-17
Company: TD BANK US HOLDING COMPANY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My flood insurance renewal, as required for my mortgage, was sent to the wrong address. By the time the renewal was required the bank ( TD ) had advised me that they were going to get insurance themselves and charge me. There was a 2 month lapse between my renewal and the time the bank placed the policy. The renewal from my insurance wes {$1100.00} for the year, the bank charge was {$650.00} and only for 2 months. This is extreme and evidence of gouging by my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: EQUIFAX, INC.
State: GA
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:
Equifax is incorrectly reporting that my year of birth is XXXX. My year of birth is XXXX. 

The following inquiries was not authorized by me. Please assist me in getting these inquiries removed from my credit file. 

XXXX XXXX ( 2 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In Convergence with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX original creditor ; XXXX XXXX. 

XXXX The companies above have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-12-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I got a new Credit Card and when initially setting up ez pay I put full statement balance being I had a {$0.00} balance at the time. I get a balance transfer after this for $ XXXX/18 months interest free and obviously I dont want to pay the full balance anymore so I change it to minimum payment due. Well instead of changing it they took out the whole {$3000.00} balance transfer I got just a month earlier instead of the minimum payment I had changed it to 24 days earlier. I get a returned item fee from my bank and HBSC who is the credit card company is well it takes a billing cycle to change which I have many credit cards from other banks and no body does that because it makes no sense. No one changes what they want to pay just to have what was initially set up for to come out. No one on earth pays a balance transfer off the next month. They need to get like every other bank in the world and not wait 2 months to take effect. I contacted them and they just read a script about their rules which are beyond stupid. People make purchases during the month and need to change what is coming out since they dont have the money at the moment to pay for it. Its just common sense and common banking or business sense and they dont have any. Besides that the minimum payment also came out along with the {$3000.00} on the day exact day. Its not hard to correct this and change your policies because they are ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: World Omni Financial Corp.
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 information incorrect

Complaint:
XXXX keeps reporting multiple charge offs on my credit report with multiple debt amounts and duplicated accounts. Its being reported that I cosigned on these debts but another is showing that the responsibility is otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Big Picture Loans, LLC
State: ME
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
i applied for a loan through Big pic loans. They said they were nit a payday loan and my payment would monthly. I paid my first payment on XXXX XXXX. On XXXX XXXX they took an additionL payment out. I called ca and they said i agreed to biweekly payments. I asked for the phone transcripts to verify what i was told on the phone. The said that they could no longer provide phone transcripts. They referred me to my contract several times. I tried expalining to them that what i was told and what they did is differenntthan what what i was tild. I signed the contract based on the phone call. And what the customer service person tomd me. I asked sevwral times if thia was a payday loan amd ahe said it was not. This is a decptive lender. I have paid XXXX on an XXXX loan to date but still owe XXXX pribably more. When i took the loan based in one monthly payment the loan was to be paid in one year. Now because if i now this loan will never get paid off due to the extreme interest rate and based on the fact that i was figuring once a month not twice. I am willing to pay back the XXXX with a resoanable interest but its not possible with the fees ans interest they are charfing. I have placed a stop on my bank account so they can not pull money out of it. Today a payment was due according to there records but can not pay biweekly i never would have agreed to biweekly payments. I need this resolved before it gets out if control and phine calls start. If i have already paid XXXX then i owe XXXX more with a reasonable interest rate. I wasnt able to se the interest rate until after i signed. It is impossible to pay this back. I am also scared of what they can do since they are a triba company. I need a resolution to this as soon as possible to date i have not received fees becauae i paid to stop all payments frim this company. My bank is aware that they may try a different ame and amount so we are monitoring my account. I paid XXXX to stip payments from them. I have demaded that the company remove my account info from direct debit. They said they would but i am being proCtive against them so since today was the first ao called missed payment i dont know what they will do expect charge me ridiculous fees. When they start harassing me i will privide proof. I dis not agree to biweekly paymnets and i do not get paid biweekly so they also changed my application by updating my pay info. This company need to be stopped. They advertise specifucally they they are not a payday loan.but they are in the worse way very deceptive. I also want to make sure they dont destroy my credit by updating it charge off. Also because they took an unautoeizsd payment out of my account my other bills did t get paid this is a horrible company that uses lies to run their company legal action should be taken against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Home Mortgage acting as a service r for Wells Fargo Financial South Carolina Inc. ( who is no longer in business as XX/XX/XXXX ) is attempting to collect a defaulted debt thru a third party Attorney Firm ( XXXX XXXX XXXX XXXX ). after many request for verification and validation thru Wells Fargo Home Mortgage and XXXX XXXX XXXX before and during the entire court proceedings the debt collector /Service r never offered any response to our request. they keep petitioning the court and was granted a summary judgement in there favor by the state court without providing any proof of the alleged debt. the debt was sold or acquired while the debt was in default based on documents obtained. the original loan / account number was assigned as many as ( 5 ) five different numbers and shows up on the credit report as XXXX different loans with different amounts by XXXX different entities XXXX taken out on the same day in XX/XX/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 explanation
Consumer complaint received 2021-12-14
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
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:
On XXXX/XXXX/21 I purchased a car from XXXX XXXX and only authorized them to run my credit. I did not authorize them to push it to anyone they wanted and they ran it along with the following banks : Huntington N, XXXX XXXXXXXX, XXXX XXXXl and XXXX Bank. Because of them doing this it has caused a major hit on my credit that should not have happened which caused many other things to then happen with my credit. I am trying to repair my credit but it says these hard hits will be on it for two years. I contacted the banks and they said to contact XXXX XXXX and I did that and they said it will be fine by the time I need a new car again. I have bought many cars and this has never happened before. Can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX  is incorrectly reporting that my year of birth is XXXX. My year of birth is XXXX. 

The following inquiries was not authorized by me. Please assist me in getting these inquiries removed from my credit file. 

XXXX XXXX ( 2 TIMES ) XXXX  ( 3 TIMES ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX  ( 3 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-14
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). Debt Collector has violated the FDCPA by reporting this account to credit reporting agencies and not providing a dunning with debt validation within the XXXX business day time frame of reporting the debt on XX/XX/XXXX. I would like to inform you that in your agency has committed a fraudulent action under both the federal and state laws. Due to this reason, all collection activities must be stopped. I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. The account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-16
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
The FedLoan Servicing has done nothing but pass my umber out to a debt collector without attempting to respond to any of my issues toward payment plans, etc. Up until three weeks ago I was unemployed with a XXXX loan of upwards {$800.00} a month without including the now {$300.00} for FedLoan ( which I did n't even know I had until I received a monthly email starting a few months ago ). I can not afford to pay this and instead of attempting to make any rectifications towards this matter they passed my personal unlisted cell phone number to multiple numbers and now I am solicited for payment without even understanding why they wo n't work anything out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is illegally being reported to my XXXX and XXXX Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by XXXX immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.

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 2018-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 went online to retrieve my free annual credit report. After filling out the identifying information, my report was generated online. On the online report, there is a large radio button Show Me My Score Now. Underneath the large radio button, there is a hyperlink " Or buy your credit score here. '' I selected the Show Me My Score Now radio button and I was prompted to create an account. I created an account and selected Next. The next page prompted me to give TransUnion a credit card number. There is no information whatsoever explaining costs I will be charged BEFORE giving TransUnion my credit card information. This is totally unacceptable. First, if there a hyperlink " Or buy your credit score here '' under a large radio button Show Me My Score Now, the consumer will obviously think by selecting the Show Me My Score Now button, he or she will not be charged. This display is misleading. Second, even assuming the consumer agrees to pay the fee, there is no information whatsoever of how much will be charged. Costs of obtaining the credit score need to be displayed BEFORE credit card information is requested. This is a classic " bait and switch '' tactic and totally unacceptable, especially in view of that this is my credit history information and affects my life in many ways.

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