BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On and or about XXXX of XXXX  I was told by a Wells Fargo Speacilaist in the mortgage department my escrow would have a shortage of {$240.00} come the month of XX/XX/2023. I immediately sent an escrow payment of {$50.00} additional dollars ( XXXX - XXXX = XXXX ). Next, on my XXXX regularly scheduled mortgage payment I added an additional {$100.00} to regular scheduled XXXX escrow payment = XXXX. Again, an additional {$100.00} to escrow shortage, ( XXXX - XXXX = XXXX ). Next, I was sent the escrow analysis on XX/XX/2023 with projected figures for escrow for XXXX which states my escrow is short by {$240.00}? In addition on their ( Wells Fargo XXXX XXXX ) the {$340.00} I regularly pay has a skip month of XXXX in which the company backs out the {$340.00} each year? I confirmed this in my records from previous years and see that I have paid each XXXX  Escrow of {$340.00} each of the last XXXX years and Wells Fargo has backed out this payment annually to nowhere? The company calculates my escrow yearly as {$340.00} x XXXX = {$3800.00} yet I pay {$340.00} x XXXX = {$4100.00}. I called immediately to clarify as this would clearly means I'd have an overage of estimated escrow, {$340.00} - XXXX = {$250.00} overage! In explaing this to XXXX, employee # XXXX she simply stated, " that's when Wells Fargo zeros everything out for the escrow year, '' what? I requested a supervisor and XXXX hung up! I sent in similar said complaint to Wells Fargo for immediate recalculation and insertion of XXXX 's estimated {$340.00} and have had XXXX response. In addition I have on record XXXX additional years where {$340.00} has been backed out to nowhere?

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 2022-12-21
Company: CITIBANK, N.A.
State: NY
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: Problem with personal statement of dispute

Complaint:
Citibank blocked my savings account with XXXX dollars for XXXX month and a half I couldnt pay my rent and my bills I have a Citibank credit card that I couldnt pay because Citibank hold my money now Citibank report me to credit bureaus while theyre holding my money I lost so many points on my 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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Information is inaccurate and incomplete. I am not affiliated with the property. They dont have permission to report it.

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 2022-08-25
Company: Genesis FS Card Services, Inc.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I have two credit cards with Genesis FS. Yesterday I received a fraud text on my Milestone Card and Checked today on my Indigo Card. I have reported this issue top the company for each instance. They can not tell my why or how someone was able to change my address and email on their site on my profiles. Both credit cards mailing addresses were changed without my knowledge or approval to an address in Pennsylvania. The fraudulent information is : XXXX XXXX XXXX XXXX, PA XXXX Fraudulent email is : XXXX NOTE : This physical and email addresses are in no way affiliated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XXXX credit card payment was sent from my credit union with the incorrect credit card account information. Bank of America was unable to locate the payment and after almost 1 month returned the payment to my credit union as being unable to be applied. I immediately resent the payment with the correct account information ( note : this is even before my credit union credited the money back to my personal account ). 

Bank of America did credit back the late payment fee and some of the interest, however they did not credit back XXXX interest in the amount of {$20.00}. I have spoken to at least 5 different people regarding the issue and they say there system is not able to credit the {$20.00} back to my account and there is nothing that can be done. I have asked to speak to supervisor and have been told none are available, one stated she did not have the ability to credit the charges, I filed an internal BofA compliant and when I followed up was told that they have no record of a compliant being logged. 

It is a point of principle that I am fighting this charge. I paid my credit card statement on time but the money was not applied to my account ( but BofA had my money all this time ) yet they still charge my {$20.00} in interest since they can not get their system to reverse the charge. 

I have asked for supervisors to call be back but none have. I would like your assistance to get this matter resolved immediately. As trivial as this sounds, it is indicative of the way Big Business deals with the small individual... I need your help to get this resolved. 

Thank you. Please do not hesitate to contact me for further details.

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX XXXX  monthly fee is deducted from my savings account dating back to 2020 from my records. The fee was not discussed prior to opening up a savings account with representative. It was free

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 2023-01-07
Company: EQUIFAX, 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:
Information is inaccurate and incomplete. I am not affiliated with the property. They dont have permission to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one closed my account without giving any notice. According to them, the notice was sent to my address on file. However, I have a mail service that scans every mail. No mail was received. The notice was NOT found on my notice or statements online ( my account is setup as paperless ) either. When I requested a copy of the letter, they are not able to provide such notice. I lost XXXX points because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you in regards to the bankruptcy and charged off accounts that appear on my credit report. These accounts have caused me a great deal of distress, as they are preventing me from obtaining credit and moving on with my life. 

In XXXX, I filed for XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX bankruptcy account ) as I was unable to keep up with my debts. Since then, I have been working hard to rebuild my credit, and I have been making steady progress. 

However, I have noticed that several accounts that were discharged in the bankruptcy are still being reported as charged off ( DEPT OF ED/XXXX  XXXX charge off account, XXXX XXXX charge off account, XXXX XXXX  XXXX XXXX charge off account, XXXX XXXX XXXXXXXX charge off account, XXXX  XXXX XXXX charge off account, XXXX  XXXX XXXX charge off account, XXXX XXXXXXXX charge off account, XXXX XXXXXXXX charge off account, XXXX XXXX XXXXXXXX charge off account, XXXX XXXX XXXX XXXX charge off account, XXXX XXXX XXXX XXXXXXXX charge off account ). These accounts should have been included in the bankruptcy and should no longer be listed as charged off. 

I understand that it can take some time for credit reports to be updated, but it has been several years since the bankruptcy was discharged, and these accounts are still causing me a great deal of trouble. I would appreciate it if you could investigate this matter and remove these charged off accounts from my credit report. 

I have been making every effort to rebuild my credit and improve my financial situation, but these accounts are hindering my progress. I hope that you will take my situation seriously and take the necessary steps to correct this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
It is difficult to get through and speak to someone to have them correct this information. This false info can affect my score

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 2021-04-11
Company: Experian Information Solutions Inc.
State: PA
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:
Someone has stolen my identity and opened a XXXX credit card account with it. They are using my former address and my personal information to sustain the account. They have defaulted on many payments, and this has negatively impacted my credit score.

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 2023-05-26
Company: National Credit Adjusters, LLC
State: SC
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:
this is a debt collection agency. they are reporting this debt on my reports for a XXXX. I have asked this company to validate this account. I have never done business with them. this is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Atlanticus Services Corporation
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
my XXXX Fortiva bill I was charged a {$30.00} late charge because my XXXX payment didnt go thru. The XXXX payment didnt go thru because the card expired and I didnt know. I corrected it immediately. They gave me the {$30.00} late fee credit. The XXXX bill was {$76.00}. Usually its {$61.00}. When I called in XXXX the rep told me the XXXX bill would be corrected. Now the XXXX bill is still {$76.00}. I called today ( XXXX ) and now Im being told its XXXX bill. So basically they reversed the {$30.00} late fee but still charging the the {$30.00} late fee by charging an extra {$15.00} in finance charges and I disagree. Its a scam!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Early Warning Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
There are two issues I have with the app XXXX, which seems either owned or associated with the company Early Warning Services , LLC, of XXXX, AZ. 
1 ) this company seems to discriminate against low income people, including minorities and the XXXX like myself, because they will not allow individuals with free or low cost mobile phone service to receive or send money through their money transfer service. Specifically, I was told by their rep that the mobile phone company that I use needs to have a physical presence in my state, where I could go pay my phone bill. This seems designed to make the poor have to go out of their home and pay for sending or receiving money. 
2 ) This company enabled me to register for their service through their app. I was able to enter all of my information, including my full name, address, full debit card information, user name and password. They verified both my phone number and email address. This company 's app then stopped working. When I called their customer service number to find out why this happened, I was told that my phone number did not qualify for their service because I was getting free phone service. I then asked them to delete all my information from their servers, but my information still appears on their server. For example, it seems they have black listed my name, my phone number and email address. Instead, in their servers I should appear as if I were never their customer ( because I never really was ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-11-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Opened a Venmo account on XXXX, XXXX XXXX. Later that same day I had received an email from Venmo that my account has been suspended for " unusual activity linked to your Venmo account which may be in violation of our user agreement '' I requested for what reason, as I had just opened the account and did nothing else. So I do not know why I'm being affected as I did completely nothing besides opening my account. 

Venmo inquired to receive a valid picture ID, which I sent them and the request was denied and the account is still restricted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting 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:
I have XXXX hard inquiries that were all unauthorized. 

XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX Syncb/ Amazon XXXX : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX charged me for an item I did not purchase. Not only have I contacted XXXX but I contacted my credit card company several times. I have spoken with many representatives and have gotten nowhere. XXXX continues to send an item ( I did not purchase ) to my home address. I have refused the item and have had the mail service send back to the sender ( XXXX  ) three times. This item was never purchased nor was it authorized by me. The credit card company continues to not support my request to credit the unauthorized charge. They have not acknowledged my several requests to credit and investigate on my behalf. This is a charge for {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Affirm Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
On XX/XX/2022 the amount {$96.00} was paid to AFFIRM INC, and again on XX/XX/2022 the amount {$96.00} was paid. A grand total of {$190.00} was paid. 

AFFIRM is the intermediary for XXXX retail business for the purchase of -1- Remixed Shirt size X-Large at {$140.00} cost, and -1- Remixed Shirt Dress size X-Large at {$220.00} cost. The total purchase price for the -2- items was originally billed {$360.00} plus {$26.00} tax, for the grand total cost {$380.00}.

The nature of the dispute. ONLY one item was ever delivered : ONLY the -1- XXXX XXXX XXXX for {$220.00} was delivered on XX/XX/2022. 

The -1- Remixed Shirt for {$140.00} WAS NEVER DELIVERED. 

I reached out via email multiple times to the retail business XXXX directly, I never heard from anyone. 

I emailed the intermediary AFFIRM via email multiple times, requested that the -1- Remixed Shirt for {$140.00} letting them know that the -1- Remixed Shirt for {$140.00} was never delivered, and provided supporting documentation. I continued to receive generic emails requesting the SAME PROOF and unreasonable steps to take in each email. I asked that the matter be escalated to management, and to receive a call back from a live representative, which never happened. Finally, I asked that the Remixed Shirt for {$140.00} order BE CANCELLED. 

There has never been any resolve. Instead, I keep receiving harassing emails from the company AFFIRM repeatedly requesting payment for merchandise I NEVER RECEIVED. I am now receiving emails threatening collections. 

The original order number XXXX and package tracking number XXXX. 

AFFIRM is a scam and fraud. There are no " live '' representatives to deal with discrepancies with the purchases made using their installment payment services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Nelnet, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nelnet ( formerly, Great Borrower Lakes ) had transferred all of my ( XXXX ) federal student loans in XX/XX/2023 and received payoff confirmation. Account balance is XXXX and accounts closed ; however, Nelnet still has NOT reported this change to credit bureaus as of XX/XX/2023. Since then, I have paid off a number of loans with the new servicer XXXX in XX/XX/2023. 

I've made several attempts to reach Nelnet over the phone, email, and portal to resolve their inaccurate credit report. After waiting a reasonable amount of time without a response, I filed disputes with credit bureaus ( attached payoff confirmations, statements, and screenshots ). 

Nelnet continues to deny the loan balance change and has certified to XXXX ( and other credit bureaus ) that the information is accurate. This results in a false loan balance from Nelnet, who has not updated the credit report since XX/XX/2023.

Company response to consumer: Closed with explanation