BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-31
Company: EQUIFAX, INC.
State: NC
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:
My wife and I returned a lease to XXXX XXXX in XXXX back in XX/XX/2020. We have documentation of the lease return. Almost 6 months later, a tow truck showed up at my mother-in-laws home attempting to repossess the same vehicle. We found out that XXXX never processed the lease return, and that XXXX XXXX XXXX was attempting to collect the debt or the vehicle. We contacted the bank right away to let them know we were no longer in possession of the car, and that we had documentation to prove wed returned the vehicle well within the allotted time. The bank notified us that it mustve been a failure on the dealerships end to file the necessary paperwork. We were told the negative effects to my wifes credit would be reversed, and to allow 30 days for the changes to reflect. We were also advised to contact XXXX and ask about the whereabouts of the vehicle and why the lease return was never processed. After multiple attempts to speak to a manager on the phone and being told that the managers were busy, we went to the dealership in person and asked to speak to the manager. We were told to wait and eventually someone approached us to see how they could help. We explained the situation and provided our documentation, and were eventually informed that XXXX was in fact in possession of the vehicle in question, and that XXXX ( another XXXX entity? ) had failed to collect the car. When we countered that it had been XXXX XXXX responsibility to inform the bank of the lease return so theyd stop charging us, we were simply told something mustve fallen through the cracks and that they would commence the lease return process now ( almost 6 month later ). We realized once we got to the car and looked at the gentlemans card that we hadnt even spoken to a manager, but a sales associate. It has now been 48 days, and my wifes credit summary still reflects the situation, claiming she failed to make car payments. Naturally, her credit score is very poor as a result. She has always been the type to pay everything on time, and had an excellent credit score before this incident. We would love any help or legal consultation on how to proceed with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I am extremely disturbed with US Bank because they done everything in their power to not settle wit me. I wired {$19000.00} to US Bank on XX/XX/XXXX and was promised a settlement to satisfy my debt, however for a whole year US Bank was holding my money and was never applied to my loan. To make matters worse US Bank continued charging me interest on the {$89000.00} and late fees despite receiving my {$19000.00} on XXXX XXXX, XXXX. They misled me to believe through a recorded call that I was going to received through mail my settlement but that never happened. Instead they XXXX by just deducting {$18000.00}. from the {$89000.00}. Also after US Bank confirmed that they had received the {$19000.00} I was asked to pay an additional XXXX on XXXX XXXX, XXXX and another {$300.00} on XXXX XXXX, XXXX. According to US Bank it was for all the fees and cost still pending from my settlement documents. I am livid because they kept prolonging my paperwork settlement after I had explained and provided proof to them in regards to the money I had send them. US bank knew the money came from the severance package my husband received due to his work injury and his new income was only going to be XXXX % of what he used to maker. Moreover, they knew my home was underwater therefore I was unable to refinance to combine both of my loans which is why they decided to settle the debt with me for {$19000.00}. I am asking for justice and help a\because they fought and deny I had made the XXXX despite making it in they branch. Finally, they applied it because I mention I would be filing this complaint but still did not settle the account. Please help me get this straighten out because they already have all the money I had saved.

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 2021-08-01
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I recently disputed this. I return the instrument back XXXX XXXX XXXX. Here is the recite paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Eastpoint Recovery Group, 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: Account status incorrect

Complaint:
I have been working with this creditor since XX/XX/XXXX to settle this account in full and remove all negative information reported including late payments. This account should show status as closed with XXXX   balance and XXXX  past due amount with no late payments reported. Letter from the company confirming this is dated XX/XX/XXXX and still has yet to be fixed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One handles the credit card processing for Menards. 

Until XX/XX/2021, our payment for the full amount of the credit card bill would be processed in 2 business days through our bank. 

Starting in XX/XX/2021, our payment now takes five full business days to process through to Capital One/Menards. This change means that the money leaves our account on XXXX XXXX but is not " received '' until XXXX XXXX, the due date for this coming month. 

I believe that the credit card company is making it as inconvenient as possible for us to pay directly from our bank so that we will use autopay through the credit card company, which would entail our giving them our bank routing and bank account number, adding a layer of additional risk to our banking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I'm a XXXX. Through PayPal I received my salary. This XX/XX/2021 I received an email from PayPal says that my account was permanently limited. My money was hold there amounting XXXX pesos. I have to wait 180 days for me to withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit reporting agency failed to provide verification for accounts that are on my credit report that are not mine.

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 2021-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
A corporate manager contacted me. I could not, for the life of me, understand how he was pronouncing his full name! My XXXX XXXX couldnt even transcribe the voicemail. This man never returned my phone call ( s ) to help me resolve anything! Hes honestly XXXX, XXXX and frightened of my XXXX XXXX XXXX. Thats discrimination! And yes, after anymore days and nights go by, I told this man to XXXX  himself! Umm hmm! Id do it again too! Corporate XXXX! XXXX  about Bank of America. I cant go into one ever again? OH NO! Ill try to pick up the pieces of my life. I mean there must be support groups for people whom were rejected by crappie banks? B of A PLEASE!

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 2021-08-01
Company: DISCOVER BANK
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:
I am a victim of Identity theft. The Discover Credit Card on my credit report is not my account and should be removed from all reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01
Company: EQUIFAX, 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:
Entered into a forbearance due to financial difficulty with XXXX XXXX  XXXX XXXX card and its showing late 30 days but according to thr cov19 relief plan it shouldnt show late at all because its not this has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: FIRST NATIONAL BANK OF OMAHA
State: WY
Product: Credit card
Issue: Transaction issue

Complaint:
XXXX XXXX refunded {$490.00} to my credit card & First Bank of Omaha claims they never got it. Or wo n't tell me they got it wo n't let me see my account. I am disputing this. there practices are not ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Bread Financial Holdings, Inc.
State: CT
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, BJSCLUB, XXXX accounts were all payed off and closed,,, with the exception of of my BJ 's card it has a {$84.00} listing when this card was clearly denied when I received the card, the card was sent back and this should show as deleted,,,, all of them shouldn't remains on my credit report all this stuff is expunged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-07
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I gave Quicken Loans Good Faith Money in the amount of {$500.00}. I continued to shop my loan and received a better GFE from XXXX XXXX, I gave Quicken the chance to match the GFE and they could not. Since the Good Faith money is 100 % refundable I requested a refund. Quicken loans says they cant return my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
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: Account status incorrect

Complaint:
I have been working with this creditor since XXXX to settle this account in full and remove all negative information reported including late payments. This account should show status as closed with XXXX balance and XXXX past due amount with no late payments reported. Letter from the company confirming this is dated XX/XX/2021 and still has yet to be fixed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
Wells Fargo is soliciting their CC customers for balance transfers and subsequently turning their card products into " no grace period on current purchase '' as a result of the cardholder taking out a BT offer.

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 2021-07-31
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: Information is missing that should be on the report

Complaint:
I have opened an XXXX XXXX account in XXXX of 2020. According to XXXX XXXX, it has been reported to all 3 credit bureaus since XX/XX/2020. I have opened this account to build credit. 
As of today, it has not shown on Transunion, even after I have been told by XXXX XXXX, that it has been reported to them for approximately 18 months. 
I have opened another account with XXXX XXXX, and again the other 2 credit bureaus already had it in my credit report a month by now, but Transunion doesnt have that on my report either. 
For same exact information on all 3 bureaus reporting, Transunion is 60 points less, than the other 2, which is not just extremely unfair, but prevent me to be able to purchase a house for a year now!

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 2021-08-01
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
I have a XXXX account and 3 XXXX accounts that were originally managed by AES, that first went delinquent in XX/XX/XXXX. I have tried to dispute this 3 times with the credit bureaus XXXX  and XXXX  and XXXX/AES directly. XXXX and AES is trying to say that my account first went delinquent in XX/XX/XXXX. AES originally had these accounts and sent it to XXXX and XXXX in XX/XX/XXXXbecause it was delinquent and charged off in XX/XX/XXXX. This however, is not the original delinquency date. They are trying to say that I was in deferment but these loans did not qualify for deferment. I have submitted my credit report showing the negative reporting since XX/XX/XXXX. I have submitted the payment history. I even submitted the collection agency and payments I made to them. These accounts are over XXXX years old and need to be removed from my credit. XXXX/AES is refusing to remove it. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I own a house with Wells Fargo for XXXX years I have a hardship my house got burned down a year ago. and they refuse to help me and went with the process of forclosure and set the sale Date for 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 explanation
Consumer complaint received 2017-04-28
Company: EQUIFAX, INC.
State: IN
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:
Companies doing hard inquires days with each other. Causing  XXXX  or more hard inquires to hit my credit score for  XXXX  company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had a safe deposit box for about 15 years at Wells Fargo Bank in XXXX, TX ( Specifically it was the branch at XXXX XXXX XXXX, XXXX, TX XXXX -- Safe deposit box XXXX ). I was told when I first paid for the SD box that I would receive my deposit back as long as I return both keys to them when I relinquish the box. Last year, I relinquished the box and returned both keys to them. The representative told me, " Just sign this paperwork and I will get you your deposit back. I signed the paper which said that I have received the deposit back. At first, I was hesitant about this, but the representative assured me that he would return my deposit. So, I signed the paperwork. As soon as I did, he said, " We have no record of you putting down a deposit. '' Then he asked me to leave. 

I tried to contact Wells Fargo about this a few times over the year, but each time my request for my deposit back was unanswered. 

I simply want my {$100.00} deposit back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Chime Financial Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I'm a victim of Identity Theft and I reported that to Chime. Sent the Identity Theft Report and also sent the police report I file a dispute on the transaction that I didn't do in which I couldn't because my card was stolen with other very important items as well. Chime claim that it wasn't any error from the dispute of XXXX. It put an negative on my account then on XX/XX/2021. I received an deposit from IRS Child Tax Credit which was sent to Chime by mistake. After that my account was suppose to be closed on XX/XX/2021. Chime was wrong very rude and took from me and my children

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Home Mortgage document was called the : Loan Program Pick A Payment Loan ADJ Rate Mortgage for the property located at XXXX XXXX XXXX XXXX XXXX. My husband and I do not recognize the signature of the name that is supposed to be my husbands. We also noticed that the address that is on this loan document is not the address for this Pick A Payment Loan Disclosure which means this document is a total fraud. I am requesting Wells Fargo Home Mortgage to explain how this happened in detail and I am requesting Wells Fargo Home Mortgage to audit this loan and explain the steps that will be taken in a typed response with this fraudulent fabricated Pick A Pay Loan Disclosure Document used for the purpose of Wells Fargo Home Mortgage/ Investors to defraud and target XXXX and XXXX people and cause XXXX and XXXX damages. Please review. I am also requesting the CFPB to investigate this case because of Wells Fargo Home Mortgage fraud and your advice. 

Thank You, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
3 issues I was never told : - I needed a XXXX to obtain a bank loan before applying when I opened the account and spoke to thet teller who never mebtionred that! Then I called telling them " remove the inquiry he never tokd me I wouldnt have applied for the account. 

- Then # 2 is they charged my account as soon as I drafted my ssi check for a $ 20 monthly main. Fee that he also never told me when I opened the accout!! Thats like the page before describing why " rights not disclosed '' - They set XXXX inquiries

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 2021-08-02
Company: Westlake Services, LLC
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Westlake Financial Services on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines the finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Westlake Financial Services took cash. The finance charge is supposed to include insurance, but Westlake Financial Services made me purchase insurance separately. Westlake Financial Services has reported late payments ( when I should not have payments ) and a repossession ( resulting from a a 30 day " late payment '' ) to consumer reporting agencies which reflects negatively on my report and is adverse to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: DE
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:
On XX/XX/2021, I wrote a letter requesting an investigation into items that I believed were INACCURATE. To date, I have not received a reply from the bureaus or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again. I give XXXX, XXXX, and Equifax authorization to investigate issues outlined in the letters I submitted. Thanks for your help with this matter.

Company response to consumer: Closed with explanation