BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Unable to obtain any of my annual credit reports online. I have had XXXX cc frauds in past year. How an you monitor credit if you ca n't get reports?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA
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:
Back in XXXX I opened up a new HSBC credit account and I set it up on auto pay in the month of XXXX on the XXXX day of 2020 before my payment due date & to my knowledge auto pay was to take effect immediately as I receive a confirmation email saying it was set up & supposed to pay my bill for the month of XXXX. I take my credit and credit scores very seriously and I was shocked to realize that my autopay did not go thru as it was confirmed to be active so once found out I called in XX/XX/XXXX to see what was the problem & I spoke to a gentleman by the name of XXXX and i was very taken back by tone his inaptitude to help me and as I explained to him my situation and how I did have auto pay set up prior to my payment which he confirmed was correct but he stated that it takes sometimes a little longer to take effect I was unaware of this because once I set it up it sent me a confirmation email stating it was active. I told this employee how it was now effecting my credit score and showing as a 30 day lateness and my credit dropped from over 800 to under XXXX dropped my score about 90 points and I am trying to refinance my house not to mention the pandemic and the cares act saying these types of negative reporting practices should not be taking effect. I am also a veteran and have a perfect payment history and all my accounts are on auto pay and I have never heard of such a ridiculous thing like it takes more than a month to take effect & however had I been disclosed this information I would have gladly set up other arrangements. but that was not the case and XXXX was very rude and he even was laughing at my misfortune I think his attitude changed drastically once I mentioned I served our country. so right now this really effecting my life I already tried to dispute this only to get no where and I would like to file a formal complaint here with the CFPB before I take legal action because the effect on my interest rates with be so drastic I will have no choice but to take legal action. I ask you to look into this and also the practices this gentlemen used during our conversation which he belittled me and insulted me like I have never expierenced in my life this has cause a tremendous amount of emotional stress and it has effect my home life because now we are in jeopardy of not being able to refinance our mortgage which if it falls through will me and my family for years to come. I believe HSBC is at fault and so does my attorney so I would like to immediatly remove this inaccurate late payment because they did not disclose the length of time it takes for auto pay to kick in. As required by the statues of your complaint laws I would like this investigated and off of my report with 15 days if that does not happen I will have no other option than to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Okay so I filed a complaint with you guys about experiain not investigating properly and refusing to investigate my claim if XXXX. They opened up the investigation and are now reporting different dates once again. back to the same dates I disputed months ago XXXX is constantly reporting different dates back and forth I go with XXXX and Experian. Neither one can get there information straight and is causing great damage to my credit report. As I fight with experian and the creditor who constantly send different dates to every CRA. If experian could look through everything I sent since XXXX I been disputing this item, look through my bank statements that show I have never been late in fact I have paid early. They could clearly see XXXX is making mistakes in reporting over and over. I enclosed a resent email I sent to XXXX so that experian can see I am trying to resolve this with the creditor but am having no luck. There records are all wrong I just want experian to look at the facts look over everything I sent them since XXXX and all the mistakes XXXX has made and the many times they have updated. Look at bank records. Call my bank I will sign a release anything to get the right. The last letter I got from XXXX I enclosed and it has different dates than they are reporting. I also enclosed the consumer complaint report and it has different dates. Please I beg you to remove this I am so fed up I have sent you all I have I dont know what more to do. I also enclosed my police report for XXXX XXXX dispute. Experian also agreed to remove the XXXX credit inquiry and still has not

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 2022-02-25
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 belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-08-18
Company: Experian Information Solutions Inc.
State: MS
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX5 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$6600.00} XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$3600.00}

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 non-monetary relief
Consumer complaint received 2017-05-01
Company: WELLS FARGO & COMPANY
State: NC
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:
We pai d Wells Fargo {$ 350.00} on  XXXX  .17 to b e applied as follows : {$200.00} for balance transfer fees and {$140.00} as the 2 % payment of the account balanc e. Wells Fargo ref used to do that, instead allocating funds as they saw fit thus making the following months payment approximately quadruple what it should have been. It was our first payment with them.     Since that time we have been subject to stonewalling, lies, inane and anemic squitter and been cut off from addressing the e-mail chain on the subject. On  XXXX  .17 a t  XXXX    XXXX   their representative  XXXX   XXXX  attempted to paint their actions as 'per the account disclosure ' ( which is false ) while at the same time suggesting that WF had no interest or responsibility in honoring our payment allocation instructions . (   XXXX   ) Th is represents fraud by  Wells Fargo an d we wish the CFPB to use whatever putative measures at its disposal to help prevent this insidious practice from happening in the future.     We will use their account for the 0 % interest period then we will move our business elsewhere. We will also close out ou r 401K with t hem immediately.

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 2015-11-10
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received numerous collection letters in the past year. The letters indicate that I owed XXXX XXXX of California that they turned over to a debt collection service. I have contacted XXXX XXXX of California several times and have been told that my record is clear and there was nothing turned over to a debt collection agency. 

I have tried calling the number on the letter ( XXXX ) XXXX and have never been able to speak to anyone as it simply rings and no one answers. 

The letters come from several different addresses and the format of the letter often differs. It is almost like the communication is being cycled through different processes to make it appear it is being escalated. I have even received a letter that had an envelope which was blank including no return address and asked in the letter to write in the return address shown on the letter. 

I am convinced this is a scam

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15
Company: ASSOCIATED BANC-CORP
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed my checking account on XX/XX/XXXX. All on bank video cameras I have receipts for XXXX out my account for closure. 
Associated never closed the account and continued to do business on my account until XX/XX/XXXX without my knowledge. Anything that that would accidently be submitted to that account should have been kicked back and said " account closed ''. 
I have video of XXXX and Bank manager ( who did n't want to be recorded ) recorded. XXXX said " she closed my account properly. So, I get a phone call from some lady who was never involved. Who told me, Associated cant get my money back, but she will close the account immediately. Why did n't they close my account immediately on XX/XX/XXXX All I was able to recover was {$80.00} of my accidental direct deposit of {$540.00} ( which should have been kicked back account closed ) XXXX = {$460.00} I should be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone opened a credit card in my name at XXXX XXXX. We have contacted the creditor, but need to pursue whatever is necessary to have this removed from my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: EQUIFAX, INC.
State: AL
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:
I have sent three letters challenging the accuracy of this account one on XX/XX/XXXX and the other on XX/XX/XXXX and one on XX/XX/XXXX and yet still no response. Both XXXX  and XXXX  deleted this alleged account because of many inaccuracies. The data furnisher also failed to validate this account, yet somehow Equifax has still managed to verify. They violate my rights under the FCRA by doing the following : Violation 1 : They failed to place this account as in dispute status Violation 2 : They failed to provide to the person who provided the information in dispute all relevant information regarding the dispute Violation 3 : Failure to provide complete and accurate information I have provided provided a screenshot image to proof of how Equifax has been misreporting this account. In XXXX of XXXX they have me as being on time which is then immediately followed by two 120 day late payments in XX/XX/XXXX an XX/XX/XXXX. If it was reported correctly shouldn't it say 30 days and 60 days late for those accounts? 


I have also provided my most recent letter along with the tracking number that proves it arrived to Equifax XX/XX/XXXX. 
Account Name : XXXX XXXX Account Number :XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents

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 2016-08-15
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I previously had a loan on my 1996 Acura integral with superior bank of Nj. The loan is paid off and I need a lien release to get my title but the company is out of business. I need something to provide to the XXXX to show there is no lien and no one can seem to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Rosebud Economic Development Corporation
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Q Credit has already took {$880.00} from my bank account for a {$1600.00} loan that lead me to investigate the company. This company claims that I still owe a balance of {$1600.00}. The company a tribal lender of the XXXX XXXX XXXX of XXXX operating within the boundaries of the XXXX XXXX XXXX of South Dakota, which when I contacted the Attorney Generals office I was informed that they do not even have a license to operate in the state of California. I have sent a letter to them via email to stop taking money out of my bank account. I refuse to pay anymore for a loan with not normal fees that are high and now has cost me and my family to be evicted due to having them remove money every time I get paid from my account. This company is robbing people blind that they claim to assist with loans. We are now living in a motel with my XXXX children due to the practices of this company. This is extremely upsetting and this company needs to be stopped.

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 2022-08-18
Company: EQUIFAX, INC.
State: UT
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 had fraud on my Equifax report from XXXX XXXX XXXX and it dropped my score by XXXX points but after it was reported and they removed it my score only went up XXXX points instead of regaining the XXXX back that's not right and is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Experian Information Solutions Inc.
State: FL
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:
Experian is showing an inquiry from XXXX XXXX XXXX XXXX from XX/XX/2019 and I did not request my credit be pulled.

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 2020-09-29
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PHH Mortgage Corporation ( " PHH '' ) has yet to provide me with a monthly mortgage statement for the payment declared due as of XX/XX/XXXX as required by law, 12 CFR 1026.41 et seq..

Recently, I received from PHH a statement dated XX/XX/XXXX that states that I failed to make a payment towards the subject account since XXXX and that said account has been in default as of XXXX XXXX. A true and correct copy of the XX/XX/XXXX statement from PHH is enclosed hereto as Exhibit A.

I have repeatedly complained to this agency, and repeatedly complained to PHH as the predecessor to Ocwen Loan Servicing LLC ( " Ocwen '' ) with the latter being the predecessor to Litton Loan Servicing LP ( " Litton '' )  that the accounting history reflected within said statements is false because : ( 1 ) Litton accelerated my mortgage loan upon commencing the first of two foreclosure actions in the Superior Court of New Jersey on XX/XX/XXXX by complaint filed under Docket No. : XXXX declaring a default as of XX/XX/XXXX, a true and correct copy of said complaint is enclosed hereto as Exhibit B ; ( XXXX ) PHH, Ocwen, Litton and their respective agents are concealing ten ( 10 ) checks totaling {$15000.00} that were paid to and cashed by Ocwens / PHHs predecessor Litton starting with the payments  demanded for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX towards a trial modification, followed by payments made thereafter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( See Exhibit C enclosed hereto ), without Ocwens / PHHs predecessor Litton crediting said payments to the subject account ; ( 3 ) PHH, Ocwen, Litton and their respective agents are concealing three ( 3 ) checks totaling  {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and returned by Ocwens / PHHs predecessor Litton ( See Exhibit D enclosed hereto ) without any legitimate reasons or explanation.

Furthermore, PHH and / or its agents are willfully failing to  acknowledge and / or respond to my most recent qualified written request and debt validation letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX that were made pursuant to 12 U.S.C. 2605 ( e ) & 15 U.S.C. 1601 et seq. and 15 U.S.C. 1962 ( g ).

The conduct complained of herein displays continued engagement by PHH and Ocwen in unfair, deceptive and unlawful practices in  violation of the XX/XX/XXXX consent judgment entered in in Consumer Financial Protection Bureau, et al. v. Ocwen Loan Servicing, LLC, et al. ( Case No. XXXX ) and the consent judgment entered on XX/XX/XXXX in The State of Alabama, State of New Jersey , et al. v. PHH Mortgage Corporation ( Case No. 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 2016-03-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX card XXXX was not properly and accurately reported. 
XXXX date of delinquency is not reported Last Payment date is not reported XXXX Major delinquency is not reported under FCRA I am entitled to have all items complete and corrected.

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 2017-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had payment arrangement with the bank and they reported me late on my credit report, I have made all my payment and I had a deferment arrangement that doing that my account would be current, but they are reporting me late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I wired {$4000.00} to my business account at Sun Trust Bank in XXXX, Florida from my personal account at XXXX. My account was then frozen and Sun Trust did not relinquish my money. This money was wired in order to cover a rent check for my business. The check did not clear because Sun Trust held onto my {$4000.00}. I have since closed this account, but was not returned my {$4000.00} that i had wired.

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