BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-14
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I made a regular mortgage payment online through Wells Fargo 's website ( {$760.00} ) plus additional {$2000.00} to principle. On XX/XX/XXXX, Wells Fargo ( WF ),  without my permission, took another {$2700.00} from my account ( with my bank routing number and checking account information stored on their website ), causing my checking account balance to go below zero. I found out about the extra withdraw on XX/XX/XXXX and called WF on  XX/XX/XXXX and requested the money be deposited back to my checking account. I notified the WF customer service rep that my mortgage principle was only around {$1200.00} after the XX/XX/XXXX payment, why would anyone pay another {$2700.00} when he/she only owes {$1200.00}? At the time, the WF rep informed me that the money will be deposited back to my checking account within two ( 2 ) business days. When I didn't receive the money on XX/XX/XXXX, I called WF and this time I was told that my mortgage has been paid in full and a refund check has been generated and mailed to me via regular mail on XX/XX/XXXX. As of XX/XX/XXXX, I still haven't received the refund check. Because WF mailed the check via regular mail, there is no tracking on where the check is.

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX  XXXX {$5300.00} XXXX XXXX  XXXX {$520.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$130.00} XXXX XXXX {$85.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} DP OF EDUCXXXX {$8500.00} DEPTEDXXXX XXXX {$12000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX {$20000.00} XXXX   XXXX {$110000.00}

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 2020-05-21
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The loan was open XX/XX/XXXX with an interest rate over 20 percent it has been 6 years and the loan is up the car was sold once repossessed for about XXXX and sold and staying I owe remaining balance after reading and stating they were sued which I will attached article and they will remove and cancel and has no payments made on it since XX/XX/XXXX. This debt has harmed me. Being a single mother and trying to work isnt easy.It has aided in the denial of my home loan, which it has caused undue stress in these already stressful times and caused undue financial pressure. I also mentioned that the debt should be considered satisfied and that the trade line be deleted from all credit bureaus it is reporting to. After reading article, they should settle those accounts in thats range. 

https : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: NCB Management Services Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've recently been in contact via mail with all three of the major consumer reporting agencies regarding fraudulent established accounts reporting on my credit file. Currently a company by the name of NCB Management is reporting a fraudulent auto loan on my XXXX  and XXXX  credit report after being notified from the bureaus of the most recent status. In addition the open date reporting is totally inaccurate and doesn't match the open date of the original fraudulent account reporting on my credit file. These inaccuracies are grounds for immediate removal and violates both the Fair Credit Reporting and Fair Debt Collection Practice Act. I have previously been denied credit due to these inaccurate accounts reporting and find this being totally unacceptable due to the length of time this issue has been going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have been paying my loans on time for 5 years. This year only, AES began raising my minimum payments every month. They have raised my interest rates several times in the past 12 months causing my payment to increase significantly. Every month, they change either the loan repayment terms or increase the interest rate. It is getting to the point where I can not keep up with these payments. I have already started working a XXXX job to afford the {$420.00} loan payment that has increased up to {$440.00}. I have student loan accounts with XXXX other places. Those loan amounts are steadily decreasing, even the privately owned student loan debt. The loan debt owed to AES has been increasing significantly. I now owe significantly more than what I started with despite paying over the minimum. I do n't understand how this can work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: SUNTRUST BANKS, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My mortgage loan was with SunTrust and in XXXX 2013, they transferred my loan to XXXX as a bankruptcy mortgage loan to service. I never filed bankruptcy nor was I ever late or behind on my mortgage. this has caused my credit score to decline and I cant refinance my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: CITIZENS FINANCIAL GROUP, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are 48 inquires on my credit report that I have no knowledge of starting from XXXX until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
i was hacked my computer and they also compromised my paypal useing my stored debit cards and paypal only refunede some of them there are XXXX more to be refunded

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
All three major credit bureaus were notified via certified mail and online. certified mail ( XX/XX/XXXX ) and online ( XX/XX/XXXX ) via dispute of a collection account that was being reported that was not mine. We have spoken with the original creditor several times. The original account was never validated back in XXXX with a different collection agency and was removed from XXXX. It was then sold and added back to my credit reports and we are now disputing again. The new collection agency failed to properly validate this date per the FCRA and Texas Finance Code, the credit agency failed to properly validate this claim. XX/XX/XXXX - they refused to update this claim stating it had been verified. The most recent dispute asked them to validate and provide their method of verification as we know this account can not be verified because we spoke with the original creditor again on XX/XX/XXXX and again they have no record of me never having an account or an account being sent to collections, that I am eligible to apply for an account. The collection agency also stated they were under no obligation to provide any original documentation showing proof this account was not fraudulent and belonged to us and they would only verify to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Synovus Bank
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account NameXXXX/XXXX/XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$130.00} written off. {$130.00} past due as of XX/XX/XXXX.

Status UpdatedXX/XX/XXXX Balance {$130.00} I have called the company and they have not sent me any information and I have disputed it 3 times on my report. This is not my account and I was a victim of identity theft and they never respond to letters or calls at all. 

I have even added a statement for them to know that they can call me and they have said they would delete it but it never has been. Personal Statements ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We were tricked into accepting a high interest rate mortgage with Huntington Bank. Their employee outlined a plan for us to mortgage out of our land contract, then do a cash-out refinance on the new mortgage, something we could not have done on the land contract. His advice was for us to take premium points ( a higher interest rate XXXX on the first mortgage and use the bonus cash to pay the closing costs. We would then immediately cash-out refinance at a lower interest rate due to a points purchase, and pay closing costs as required. The net effect of this plan is to bypass rules against cash-out refinance of land contracts, and to avoid paying closing costs XXXX times while doing so. The day before our right of rescission was to expire, the employee confirmed his plan to be correct. Even when specifically asked whether or not seasoning was required before we could refinance, the employee confirmed it was not, that we were a special exception and we could proceed as planned as soon as our right of rescission had expired. The day our right of rescission expired, the same person told us we can not proceed as he had planned due to a requirement that our loan season for XXXX months before we can refinance ( seasoning ), that he had made a mistake and was sorry.The net effect of this trickery was that we now are stuck with a high interest rate mortgage. 
This person 's supervisor corroborated his plan prior to its execution and is culpable in his wrongdoing. 
We believe we have been intentionally tricked into this high interest rate product. 
This is not a hearsay situation, we have voicemail messages, text messages and witnesses ( including a notary public ) to a conversation which all prove the employee was intentional misleading for his own and his bank 's greater profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a dispute letter out in XX/XX/XXXX to all credit bureaus to remove an account on my credit report that was in violation of FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The account is reporting inaccurate and different dates to re-age the account. XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  shows XX/XX/XXXX. 
This affects the account date it falls off my credit report, This is a violation. The account was update by Experian from a Repossession to a Charge-Off on XX/XX/XXXX. There is no collection account attached to this account on my credit report.

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 2020-09-04
Company: Revco Management, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
VA referral for XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX   while in service and some XXXX XXXX  recently with XXXX XXXX XXXX ). XXXX  at VA appointment said he would refer it out. At XXXX XXXX, XXXX XXXX  were taken ( the basic type ), they said they 'bill a credit card ' at the VA and the VA would be referring more care out ( my XXXX  and service records are at the VA ). VA said they would not be referring more care out after the visit like something went wrong. I've received a bill for {$5000.00} from REVCO Solutions in less than 1.5 weeks with XXXX XXXX XXXX ( the bank I use ) for {$5000.00} and they would settle for {$2700.00} if paid immediately. 

This type of scamming on homes in XXXX KY ( good faith deposit, but unable to get flood insurance for loan ), loss of my home to pay taxes, blocking from real legal ( they only collect information, they say they can't help ), cellular svc dropped calls in XXXX  VT ( where home was near XXXX  station and was previously stationed at the XXXX station in XXXX ), blocked messages, car hit and claimed in XXXX RI after tow operator unreachable and 'dropped ' insurance again ( this happens continuously with 'dropped ' insurance that's paid or Police dont/wont accept proof of insurance ). 

Blocking from XXXX XXXX after filling FAFSA and admission pkg for XXXX XXXX to XXXX  of VT and XXXX XXXX XXXX Not able to get any confirmation while visiting the schools. *I have not applied to any other XXXX XXXX   since then. 

Financial skimming from XXXX XXXX XXXX. Cancelled XXXX cards and had to travel to XXXX VA, XXXX miles to pick up a new one at XXXX XXXX XXXX XXXX, XXXX ( Aunt and Uncles home after reordering XXXX ). 

Harassment with car ( reported to FTC, XXXX  ) by XXXX XXXX XXXX. Multiple disappearances ( theft ) of title ; break in of car, removal of DD214 Mil svc paperwork, neighbors locking the car ( believe that this is a scam with the neighbors and the dealer and multiple keys floating around. I have tried to get it replaced at reasonable price but can not afford it ). 

Military service credit on DD214 manipulated and messed with ( I have 22 years and almost 7 years sea time ) ; to show 1/2 the creditable time and 0yrs sea time. 

Lack of real representation by courts in VT and KS for being assaulted/battery with weapons and deadly force. The people that do this never show for court and unable to ever reach lawyer prior to court. Then when paying fees they are hiked up {$200.00} after 2 years of seeking help/representation between plead no contest to get things working for total of {$700.00} and then referred to another cascading issue of a ticket from XXXX, KS that was a result of 'improper plate mounting ' ( it was mounted properly ) and refusal to accept proof of insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
This was a misunderstanding. It was supposed to be an automatic withdraw from my account. I called numerous times to rectify the situation was and it was never done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a dispute with Discover Card Services concerning the charge on my account made by XXXX on XX/XX/2019. In an effort to discard the reservation it was inadvertently booked by mistake. I call was immediately placed to XXXX to explain the mistake and requested a cancellation. I doubt the transaction was transmitted to the XXXX XXXX in XXXX AZ. 
I was charged {$170.00} for a reservation that was never processed and for service not used. The following is the dispute for the charge : Case # XXXX Merchant :  XXXX XXXX Dispute Amount : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: AR
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. DPT EDXXXX XXXX {$7500.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX {$630.00} XXXX XXXX XXXXXXXX XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX {$11000.00}

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 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion had two separate glitches XX/XX/XXXX- XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. 

During these time I used XXXX to monitor my credit file. All of my inquires were removed during the glitches. The inquires were placed back on my credit report illegally after the glitches were discovered. I was not notified in writing 5 days after the inquires were added back to my report. I have called several times and spoke to representatives about this violation with no solution.

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 2022-10-07
Company: Credit Center, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a letter in the mail from " The Huntington National Bank '' XXXX XXXX XXXX XXXX OH XXXX They are confirming that I opened a checking account on XX/XX/2020 and I DID NOT. 

When I called they told me they couldn't help me unless I supplied my Social Security Number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Amsher Collection Services, Inc.
State: NY
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  These 4 accounts are not mine. They are fraud and were possibly opened under my identity but I am not aware of how they got started. Under rule 609 they must produce the documents used to open the account or remove. I have written letters, called and no one helps. This is not right. The 4 Accounts and the balance are : 1 XXXX. {$7300.00} 2. XXXX XXXX XXXX. {$400.00} 3. XXXX XXXX {$220.00} 4.  XXXX. {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: MO
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:
In XX/XX/2022 I discovered several fraudulent accounts on my XXXX, Equifax XXXX XXXX credit profiles. I was notified several times from multiple companies that personal information was hacked/leaked. I have filed a police report with my local authorities and I have also filed a Federal Identity Theft Affidavit along with mass personal information leak documentation.

Company response to consumer: Closed with explanation