BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
on XX/XX/2020 I placed a call into Wellsfargo to recast my mortgage. I was told that I cant do it. I further asked why and they said because I modified my loan 5 years ago with them. I demanded to put {$53000.00} onto the principle of my load and they said no. I then was told someone will call me in 24 hours-no one did so I called them. They said it will take until XXXX to look at it. I never signed an agreement when I had my loan midification that I would not seek recasting. This bank has been held in contempt of congress with millions of dollars in fines. The previous CEO was banned from banking industry and the current CEO has been brought before congress. 
I am experiencing illegal predatory lending.

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 2023-11-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: CA
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:
For a while, my boyfriend has me listed as an additional cardholder in order to help me grow my credit. After we broke up, his credit balance became extremely high and it hurt my score as well. 

He has repeatedly requested to have me removed as an additional cardholder and XXXX XXXX XXXX guaranteed him this was done. 

But upon disputing it on my credit reports, the disputes were closed and XXXX XXXX XXXX is allegedly claiming that the account is mine. 

The account is DEFINITELY not mine and I do not have any credit cards. This should be removed, as it's destroying my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Resurgent Capital Services L.P.
State: NC
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:
Hello I have never had a credit WITH LVNV Funding, XXXX XXXX  XXXX, and XXXX XXXX. I will like for them to show me documents proving that I have signed up for this credit with my signature. If not which they want have because I have never been with any of these companies.I want removed off my credit asap.LVNV funding and XXXX XXXX  XXXX was removed off my credit report and for some reason they were added back on my credit. I never had credit them and want removed for it is causing my credit score/ report to look bad. 

Thank you

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

Complaint:
I am currently reviewing my Equifax Credit report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello, Every time I try to connect to XXXX it directs me to : XXXX XXXX XXXX The XXXX   website is not currently available at your location. Visit XXXX or www.consumerfinance.gov/XXXX to learn how you can request your free U.S. credit report by mail. 

What about location? I am in XXXX XXXX, MD. I have tried with two Web Browsers : XXXX and XXXX. My son also tried from XXXX, NC with the same results. 

I have also tried using my work and personal computers. 

Thank you

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 2023-04-24
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company posted a collection to my credit report without notifying me or providing the opportunity for me to dispute the debt. They never contacted me. I disputed the collection online and requested verification of the debt, which they have failed to respond in a timely manner. 33 days after I disputed the debt, I received a verification letter stating verification was enclosed, but it was not- it only contained my name and address, my daughters name and birthdate, my insurance company falsely listing me as the primary insured, a phone number which is not mine and another debt collector + case number that is not associated with any medical practice we use. This does not validate the debt, there is no date of service or description of service provided, no documents showing authorization of charges, I am not the insured or fiduciary, and they did not provide account numbers for the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On Saturday, XX/XX/2022, TD Retail Card Services made a hard inquiry into my credit using XXXX On Monday, XX/XX/2022, I left an inquiry regarding this activity on their website. 

A hard inquiry requires my consent. This hard inquiry was done without my knowledge or consent. 

A hard inquiry is triggered when one applies for credit. I have not applied for credit in the last five years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have been receiving excessive notices from portfolio recovery regarding a debt that I do not believe is mines. I have asked for them to verify the debt gas not been done. They just keep calling and sending notices and threatening to take legal action. This is in my credit report I have disputed it. It is agreeing my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: MD
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 improper inaccuracies on my credit report. I have reached out to XXXX, Equifax and XXXX to have this removed since I did not give consent for this inquiry. 

hard inquiry : XXXX XXXX Bank on XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a request to Experian on XX/XX/XXXX to investigate and substantiate incorrect information in my credit file. Experian responded and noted the information confirmed and accurate. I followed up on XX/XX/XXXX per my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency information within 15 days. Instead of Experian complying with my request, I received three STALL LETTERS. They have failed to correct my file within the required timeframe, and I demand that all invalidated information be immediately deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ERC debt collectors are debt parking a account on my credit report. They are listing a debt on behalf of XXXX claiming this account was from 2019 but in truth is from over seven years ago. After reading some articles it may be a common practice of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received an email on XX/XX/2023 at XXXX XXXX  CST from an email under the domain of " XXXX ' stating how a new tradeline had been opened under my name. It was asking me to sign in the view the 'critical change ' on my credit report. I did not click on the link to sign in, but rather called my bank to confirm if this was true or not, to which it was not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I had an existing HELOC from US Bank which I wanted to close by refinancing from another bank. I requested for a payoff statement from US Bank which they provided with amount due based on a date an a per diem. I submitted the payoff statement to XXXX  XXXX  and they sent a check on XX/XX/2023. XXXX XXXX sent extra money to cover any delay in processing, postal delay etc. 

US bank returned this Check back to customer ( Myself ) stating they they can accept the payoff if the amount is in excess of XXXX from payoff statement and it took few weeks for XXXX to cancel the old check and process a new payments. 

Due to this delay I ended up paying ~4 weeks of interest to US bank and when I talked to a customer agent and escalated this, I was told an investigation will be done and possibly apply the new payment back dated ( Date when the original check was received ) but US bank refused to refund me for the interest for this additional 4 weeks. 

I asked several time to US bank 1. When I received a Payoff statement, there was no mentioned that US bank will refused the payment if payment is XXXX excess from payoff due. 

2. After several requests, US bank is not able to provide any rules or terms which shows this policy. 

3. My new bank XXXX was not aware of this policy from US bank, they told me any excess payment made by them is generally refunded to customer with in few weeks. 

4. I have called several time to US bank and ask them to provide some written documentation of where is this XXXX policy rules and provide me some written documentation of why my the requested was denied, I have waited for a long time and there is no response from them. 

5. I talked to some supervisor as well but US bank is not resolving this issue.

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 2023-10-27
Company: EQUIFAX, 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:
Hello, Please completely remove me as authorized user from the XXXX XXXX XXXX XXXX attached. 

Please completely remove this tradeline from XXXX, Equifax, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20
Company: Experian Information Solutions 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:
The following accounts : Account Name Fraudulent Acct. Opened Fraudulent Balance 1. XXXX XXXX XXXX XX/XX/XXXX {$8700.00} 2. XXXX  XXXX XX/XX/XXXX {$350.00} 3. XXXX XXXX XX/XX/XXXX {$0.00} 4. XXXX XXXX XXXX XX/XX/XXXX {$3700.00} 5. XXXX XXXX XXXX XX/XX/XXXX {$210.00} 6. Dept of Education XX/XX/XXXX {$6400.00} 7. Dept. of Educaton XX/XX/XXXX {$1000.00} 8. Dept of Education XX/XX/XXXX {$3900.00} 9. Dept of Ed XX/XX/XXXX {$2700.00} 10. Dept of Education XX/XX/XXXX {$3600.00} 11.XXXX XXXX XX/XX/XXXX {$1000.00} 12. XXXX XXXX XX/XX/XXXX {$3100.00} 13. XXXX XXXX XXXX XX/XX/XXXX {$830.00} 14. XXXX XXXX XXXX XX/XX/XXXX {$930.00}

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 2021-07-07
Company: Paypal Holdings, Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Paypal should be investigated due to their flawed scoring system that rate customers and give false information yet Paypal refused to look into it. I've included a picture. Paypal is giving false information to the Credit Bureaus that i have too many unsuccessful payments. Everything underlined in photo # 1 is a BIG LIE. I've only had 2 Pay In 4 orders with Paypal which would be 4 payments on each order and i've NEVER ordered anything using Paypal other than until i used their Pay In 4. How could i have unsucessful payments when i've NEVER missed a Paypal Pay In 4 payment. Otherwise i wouldn't have excellent credit with XXXX, XXXX, XXXXXXXX XXXX XXXX which are all Pay In 4 and Paypal is copying them with the Pay In 4. I've NEVER missed a Paypal Pay In 4 payment and the only problem there ever was is when my credit card on file had expired and i wasn't aware but as soon as i found out i immediately fixed the issue and paid with another card yet that was in 2020 and Paypal have continued for nearly a year to deny me Pay In 4 due to their flawed scoring system. I've contacted Paypal thru XXXX XXXX several times and was given the run around and sent automatic messages. Paypal have no phone numbers or any kind of way for customers to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase bank restricted my online banking access in XX/XX/2023. After contacting Chase a few times, their fraud protection/financial safety representatives explained that it was because I attempted to move funds from my Chase savings account to my other account outside Chase bank XXXX XXXX XXXX  ). I have made numerous calls to Chase bank, and the Chase bank 's representatives were able to verify my identity each time, they still needed me to visit any of Chase bank branches and practice the same procedure. I am currently working abroad as a federal government employee, and I am not able to leave my position yet. Chase bank 's over-cautious and client unfriendly protection manner has restricted my access to not only my banking accounts but also my credit card accounts. I am not able to monitor my credit card transaction history and pay for my credit cards. Please kindly assist with a reasonable solution for this issue. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
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 pulled my credit report on XX/XX/XXXX to check my credit report for inaccurate information but when I went to the hard inquiries section, I noticed I had some hard inquiries that I did not apply for at any time. I sent a letter to all three credit bureaus but have not received any feedback to my letter which has been 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Genesis FS Card Services has changed its name to XXXX XXXX. You may notice a few changes over the next few months but youll still receive the same great services and benefits at all times. 

XXXX XXXX XXXX XXXX Good afternoon, XXXX XXXX ending in XXXX Current balance {$170.00} Payment due date Minimum payment due {$0.00} Credit limit {$700.00} Available credit {$0.00} AutoPayOff Make a payment Last statement balance {$0.00} Transactions Date Description Type Card Amount XX/XX/2023 ANNUAL FEE Sale {$170.00} PREDATORY LENDING- I CALLED AND ASKED IF THEY COULD LOWER IT. THEY SAID NO AND I HADN'T USED THE CARD YET SO I REQUESTED IT BE CLOSED AND THE {$170.00} FEE TO GO AWAY. EVEN WITH MY CREDIT SCORE I WAS ABLE TO GET A NOTHER CREDIT CARD FOR {$39.00} ANNUAL FEE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account INQUIRY DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-11-09
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Promotional Credit card APR ended, and balance was paid in full. Discover did not credit the payment according to the credit terms of the agreement. Payment applies to the lower interest rate first, any excess payment is to be applied to the highest interest rate first. This was not done by Discover in violation of the terms of the credit card agreement. Instead, they ignored this and allowed the interest to escalate to the next tier and the interest rate quadrupled. This is a bait and switch tactic. I suspect other consumers have fallen to this scam. This case should be referred to the Attorney General for prosecution and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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