BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-19
Company: Shellpoint Partners, LLC
State: HI
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:
1. I have a loan with shell point mortgage service company from XX/XX/2020 2. I did pay off the loan with early payoff the loan fine. 
3. Shell point MS company were not honestly reported to XXXX about my payment record : they reported me three times pay later. these are nosence! As a financial company, they suppose not provide such fake information to hurt my credit. Actually I never pay them later. 
4. Some one from shell point co, intentionally did fake information, I disputed such fake information and I also request financial organization to investigate such actions from this company. 
5. this company charged me over {$5000.00} for early payoff the loan, is that legally for them to do so?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Seterus, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or around the XXXX 2015 my mortgage company Seterus advised me that my payment for XXXX had been returned for insufficient funds. I contacted my credit union and they confirmed the payment was paid and not returned. Seterus advised me to fax a copy of my bank statement to show this, which I did. They then advised it would take 30 days for them to do research. I called each week to check the status and continued to make my monthly payment. Each time I called they also advised me that they were reporting negatively to the credit agencies and would reverse it pending research results. I continued to wait and called them back on/around XX/XX/2015. They then advised they made a mistake and it was n't the XXXX payment that was missing, but was the payment from XXXX. This would be six months later. I shared my disappointment with them. How could a company wait six months to say they are missing a payment? I was then advised I needed to send my XXXX statement, which I did and I still have no resolution to the issue. They now tell me it will be another 30 days which would be 7 months since they claim I missed a payment. Some reps at Seterus say they are reporting negatively to the credit agencies and others have said they are not. The rep I spoke to last advised she could n't even confirm if the XXXX bank statement I faxed had been received. So I guess I have to assume that it has. Each time I call I get different information. The handling of this situation seems too unethical and unfair to me as their customer. I 've made my payment each month. I 've given them the proof they need to show that and they still have not resolved the issue. It is also ridiculous to me that a regulated financial company would not realize they were missing a payment until 5 months later-which in reality I paid. The service I 've received has been horrible and the different information on every call does not lead me to believe they will ever solve this issue and I will have no other recourse, but to hire an attorney and spend money to show I 've already paid them. I do n't feel like I should have to make my payment twice because they have poor book keeping. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out an auto loan from Ally Financial in XXXX of XXXX. Starting approximately XXXX of XXXX for a period of 6 to 7 months, this company neglected to report my payments to the credit bureaus. I was told this was due to a system wide glitch. Since this initial period of time, on at least 6 other occasions ( ranging from 1 month to 3 months ), they have neglected to report my payments to the credit bureaus. I have spent countless hours on the phone with customer service trying to get this issue rectified. I have been transferred countless times, repeatedly refused access to supervisors and the credit department and have been disconnected by rude CSRs who simply did not feel like doing their job, more times than I care to remember. The payments should be reported on the XXXX of every month. The last time my payments were reported to XXXX  and XXXX  was XX/XX/XXXX, only after multiple calls. Ally Auto has not reported my payment to XXXX  since XX/XX/XXXX, even after repeated calls to this company. For over a year now, my payments have only been reported after multiple phone calls to Ally Auto and sometimes not even then. Clearly there is an issue here that no one has cared to look into! Making my payments on time is my responsibility. I should not also have to be responsible for making sure my payments are being reported as well.

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 2020-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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. More confirmation of the aforesaid item too. My proper request must over, 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 response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There are several incidents with Equifax and my dispute of incorrect information. I will start with XXXX public records listed on my report that should no longer be present. A year ago I contacted the courts and the courts informed me that they were not reporting to the agencies to contact rental agency. I did that and rental agency contacted credit agencies that the bills were paid before court. XXXX deleted from my file as requested from the rental agency. Equifax however, only updated as satisfied. Several attempts have been made by myself and the rental agency to have information deleted as it should have not been on my report in the first place. I am trying to make major changes and this is hindering me from moving forward. I can not qualify for a mortgage with this hanging over me. Although Satisfied status it is still considered negative. I would like to know what I need to do in this case. Also, they refuse to give method of verification for any investigation they do. It states in the Consumer Rights that I have a right to that information. This has been going on back and forth for a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: TRUIST FINANCIAL CORPORATION
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 my credit report there are hard inquiries that I had from companies that I did not give my consent to and that I don't have an account with at all.. that makes improper use of my report.. 

XXXX XXXX XX/XX/2019 Bb & t dealer XXXX- XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX  XXXX- XX/XX/2019 XXXX XXXX  XXXX XXXX XX/XX/2019 XXXX card - XX/XX/2019 XXXX - XX/XX/2019 XXXX XXXX - XX/XX/2019 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 explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
Im accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 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 : 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 explanation
Consumer complaint received 2021-06-19
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
per Equifax I have spoke with a agent snow and a supervisor by the name XXXX on XXXX/XXXX/XXXX around XXXX we spoke clearly of a account XXXX which is labeled to be XXXX this XXXX has appeared on my credit years back maybe XXXX perhaps in which i called them directly and they removed it off and Equifax also sent me a letter in the mail that I no longer have stating that this item has been removed. XXXX stated that she was going to put me in a system to block that information due to the information that I had provided to her with my story of what happened. I called yesterday XXXX/XXXX/XXXX and I was told by an agent that she received my police report I have filed through the XXXX department and I asked about the XXXX item and she stated it is in dispute not removed. XXXX stated it would be moved in XXXX72 hours why was n't it removed. if she would have said it would be a dispute than I know it could take up to 30 days but she clearly stated it should n't be there and she will get it removed. all the agents said they cant do anything cant even find XXXX. Equifax is getting my information or if they are a fraud company who works for the creditors I sent in mail letters, identification etc they have n't received that information this was last month on XXXX/XXXX/XXXX and up till this day of XXXX/XXXX/XXXX they still do n't have it what is really going on. per section XXXX in the Fair Credit Reporting Act if a person is a victim of identity theft with proven documents the bureau has four days to investigate to remove or block fraudulent or negative information. I have waited past 30 days prior to the police report filing I called multiple times asking for help and answers im always getting miss information and the run around. I 've been working with the sheriff department to dispute and get help during this hard time but Equifax does not care that I 've been a victim nor do they care of me providing the correct documentation their job is to blame someone it seems. I 've waited long enough and I want results there should n't be an excuse for this this is a major bureau company and its unacceptable. they provided me with multiple case numbers some for my name in which I never called in about I sent my id etc.. at this point this company is all lies and does n't do what needs to be done to help a victim of identity theft. In a bad time like this they try to sell me products instead of holding back knowing im a victim of identity theft its all about the money I feel that is very rude and not professional. Agents all the way to the management are just selling products vs helping you with what is truly going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
For some unknown reason, Toyota Financial services canceled my online payment account. They were never able to explain why, but admitted it was their fault. I had been making online payments for years, but suddenly, I could n't, and was told that I could not reopen the account. This was in XX/XX/2016. One agent told me I could pay over the phone, using XXXX XXXX. I did. The same happened for XX/XX/XXXX : I paid over the phone. In XX/XX/XXXX, I took the time to try to get to the bottom of the problem because it was inconvenient. I was told I had XXXX accounts. I spoke to many representatives, often being on hold for long periods of time, only to be disconnected and have to tell this rather involved account all over. 
I found out that the payments I made over the phone had disappeared, and no one could tell me what happened. They informed me that I would have to go to my bank and get a merchant report to show that the money was indeed taken out, something my credit union never heard of. I spent countless hours on the phone and running around. I was told that because it was their fault, it had not been reported to a credit agency. I found out yesterday that it had. Even though they finally sent letters saying it was resolved, it has not been. Just yesterday, I was told that my account was past due again. It was n't and had not been. 
I was harassed on my job and tried to clear it up, but soon after that lengthy call, another representative called me at work to tell me my car was about to be repossessed. Each time that a representative could see from the account that I was indeed telling the truth, I was told that it had not been reported to a credit agency, but that was a lie. I have all of my receipts that demonstrate when the payments were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened up an account with wellsfargo approximately XX/XX/2016. However, I went to the branch to close the account in XXXX or early XX/XX/2016 due to my not liking their services. Before I closed the account, I did submit a nonfraud dispute. At the time, I closed the account I was informed by the branch employee, the dispute was resolved in my favor and I was closing in good standing. However, after opening up an account with a credit union recently, I found out the account was never closed and I owed money to them. Wellsfargo NEVER sent me out any documentation regarding the dispute at all and they didnt notify me of the account closure either. So now theyre trying to hold me accountable for their actions. When I was the one that was lied to and victimized of their shady practices. I even asked them to write it off and if needed Ill pay the taxes on if needed.

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 2015-10-29
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
To whom this may concern, Attached is a slightly outdated version of my tax documents. The highlighted items are fraudulent items submitted by Scottrade. Upon receipt of a police report and supporting documentation the IRS removed these items. However, shortly afterwards, Scottrade, in order to retaliate and discourage a Whistleblower, submitted them back to the IRS. 

This back and forth and the failure of Scottrade to take responsibility for their faults has caused me enormous headaches when dealing with the IRS. Essentially, when Scottrade and the IRS continue to change what it submitted to my tax return, the amount of tax owed keeps changing. Resulting in refunds, that then result in deficient payments, that go back and forth with utter confusion.

Company response to consumer: Closed
Consumer complaint received 2015-06-26
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My problem is with BBVA Compass. My XXXX mortgage is with XXXX and my XXXX is with BBVA Compass. I have struggled for years to keep my home after my divorce and received no financial help from my former husband. I have had to rent out the house to keep it afloat. I can no longer find tenants to pay the amount necessary and need to sell the house. It has been on the market for 2 years and we finally have a buyer. This will unfortunately have to be a short sale as our market has not come back to previous values. We repeatedly asked BBVA to let us know what would they take to satisfy their loan and they repeatedly said to " Bring them an offer and they wo n't stand in the way of the sale ''. This is on many of the taped recordings with myself and XXXX XXXX at BBVA. 
XXXX has accepted the terms but BBVA will not accept the terms. XXXX can only give BBVA {$12000.00} under the HAFA program. I have offered an additional {$8000.00} and the agent has offered an additional {$2000.00}. That is {$22000.00} to BBVA. Now BBVA is saying that they want {$50000.00}. They did not take TARP money so they do n't have to follow any government rules. This sale was supposed to close on XXXX XXXX, 2015 and all involved are waiting for BBVA to accept and XXXX is closing the file. The worse possible scenario is to lose this buyer and the house go into foreclosure. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited my in-laws tax return at the begining of XX/XX/2021 its now XXXX and they still have my account on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is continuing to report inaccurate information on an account that I disputed with them. I have continuously ask for proof of their findings to validate why this is still on my report and they have fail to provide it. I have contacted the collection agency to ask why are they continuing to try and collect after being to told to cease and deceit prior to the being report to the bureau and was told the credit bureau are reporting without their consent. I have request to prove your accuracy are remove it at once and nothing has been done. I hope reporting them to CFPB will help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: Affirm Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I deposited A XXXX transfer from my checking account for {$200.00} on XX/XX/2021 on the same day there was a fraudulent charge for {$270.00} at the XXXX hotel in XXXX XXXX and their office is in XXXX XXXX. Im pretty sure someone clone my car and used it because it was brand new and I only added it to their app for payment so far. But they will not give me access to my {$200.00} that I deposited in the savings account Im trying to transfer it back to my checking and they wont let me they also approve me for loans and then disapprove me for no reason at all except that I probably paid off the loan too fast. I want a full refund and access to my money I would like the loans I was promised for 4 more loans for {$500.00} and 0 % interest but Im the most concerned about having my money back in my checking account. Ive emailed them and called they just hang up on you and there email address replys with this address is not monitored. Their emails literally read out like a child wrote them they say that I stopped the transfer and that I need to talk to me its almost a joke but I want all my money refunded and back in my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On the date of XXXX XXXX, 2016 I contacted Commonwealth Financial Services to potentially pay off a debt. After talking with a lady who told me her name was XXXX XXXX we came to an agreement on XXXX seperate debts. I agreed to this only if the " Commonwealth Financial Services '' were to email verification that the amount I was paying off was in writing. She emailed me XXXX verifications. I in return paid {$100.00} to settle a {$150.00} debt, and {$170.00} to settle a {$270.00} debt, afterwards she stated I would recieve a deletion letter. I never recieved that letter and ive called them several times. Everytime i call they tell me that they are still going to send it to me and for me to " just wait 5 min. '' Now when i call them i tell them what my name is and they hang up on me.

Company response to consumer: Closed with explanation