BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-18
Company: WELLS FARGO & COMPANY
State: CA
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 had a total of nine charges, nearly amounting to {$800.00}, which were fraudulent and made using my card in XXXX, CA, and XXXX, DE. Strangely, these charges displayed only a string of numbers ( e.g., XXXX... ) with no merchant names. After disputing these charges with Wells Fargo, they initially closed the claim and promptly issued a refund within a week. However, a few weeks later, Wells Fargo sent me another letter asserting that their investigation was concluded, and they confirmed that I made these charges with my card and PIN, even though I've never been to those locations. When I tried to dispute this, it took over 3 days of being on hold multiple times with no response. Finally I was able to speak with a Wells Fargo rep and they insisted that the charges were made by a company I had used before, and they refused to reconsider their decision, abruptly ending the call and suggesting I file a police report. Frustrated, I contacted the company they claimed was responsible for the charges, but they had no record of any such transactions. I have no way of disputing these charges Attached are the fraudulent transactions from my account and my correspondence with the company XXXX clearly stating that they do not have record of these transactions

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 2018-08-21
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 and XXXX alike has allowed XXXX XXXX XXXX to insert a derogatory entry on my credit report and this company did NOT provide any type of notice nor dunning letter to me. By not providing me a dunning letter, XXXX XXXX XXXX blatantly forfeited my rights under the FCRA as well as in their reporting under the FDCPA. I have never did any business with XXXX  XXXX XXXX. For this alleged debt, XXXX  XXXX XXXX needs to provide a copy of the financial responsibility page as well as an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date this alleged debt became payable, original delinquency date and complete accounting of alleged debt -- -All items I would have requested had they provided me a dunning letter that afforded me 30 days to dispute the validity of this account entry prior to forcefully and illegally inserting it on my credit reports. 

Additionally, there are other inaccuracies to duly note : Experian reflects a past due balance whereas XXXX  does not ( Inaccuracy ) Experian reflects an open date of XX/XX/XXXX and XXXX reflects XX/XX/XXXX ( Inaccuracy ) Experian reflect terms of 1 month and XXXX reflects nothing ( Inaccuracy ) XXXX   notes this is a medical debt and Experian notes nothing ( Inaccuracy ) Experian reflects a payment history of Negative for XX/XX/XXXX and there is no payment history reflected on XXXX ( Inaccuracy ) The FCRA establishes that any entry on my credit report should be 100 % accurate, verifiable and timely. The aforementioned errors prove that they are not reporting this entry accurately and too they infringed on my rights by reporting/inserting this derogatory entry without following the law.

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 2018-08-21
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: Public record information inaccurate

Complaint:
I am requesting the removal of these bankruptcies ( below ) on my XXXX  credit report due to their failure to provide me with verifiable proof required for their company to post the accounts listed below is evidence that it does not exist and therefore is proof that they can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they were required to promptly delete all information which can not be verified., XXXX  has violated the Fair Credit Reporting Act ( FCRA ). Furthermore, I disputed this inaccurate information in XX/XX/2018 and XX/XX/2018. XXXX refuses to disclose who verified this inaccurate information. I also contacted the bankruptcy court via mail at and they stated they do not correspond with credit bureaus and never verified this information with XXXX which documentation of said information by the Court is attached.

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 2016-02-22
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
My uncle passed away in 2009, he was my co-signer of my private loans with XXXX XXXX. At that time when I submitted all the information they informed me that my loans were in default due to the death. Now 7 years later, Navient, is now trying to collect off me once again but my Uncles name is still on their loans and he should n't be. They have harassed me with phone calls at work, previous jobs, family, email, calls to my cell phone and through mail. They are very threatening each way they contact. Plus my original loan that was in default had a way lower interest rate from what they now show. These are crooks and something needs to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I applied for a line of credit loan with Bank of America on XXXX XXXX, 2015. Every time I contact hen for a status, I am told that my file is still unassigned. And I am told that it may take 6-10 business days for it to b assigned to a processor. Today I called and spoke to a supervisor, she tell 's me that it will be 15 days for my loan application to be assigned to a processor and that if everything is approved can expect to receive the loan in XXXX. They have all my paperwork and thy have run a credit check. If I had been informed that it would take 2 months, I would not have started this process with B of A, I would have shopped around for a more reasonable time to get the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Company: The Receivable Management Services LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX account was paid.

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 2023-12-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was a Bank of the West customer. Bank of the West was acquired by BMO and the transition took place over at the end of XX/XX/XXXX  and beginning of XX/XX/2023. I have numerous accounts with them including business accounts. Nearly as soon as the transition occurred, my business credit card was hacked by someone in XXXX so BMO closed my account. While they said I would have new card in 5-7 business days, it took almost three weeks to get a new card. I needed the card in the course of my business. 
Now that I have the new card, my transactions frequently get denied and I have to call BMO. 
In addition to this, I can no longer directly pay my credit card from my BMO accounts. They created some website called XXXX XXXX  for business credit cards. We are required to use this website to pay our business card but it never works. I have had to changed my log in, password and security questions many different times and it still doesn't work. 
I have to call BMO to have them transfer funds from my other accounts to pay the business card! THEN, they put a week long hold on the transaction. These are funds coming from accounts I have with them. They KNOW the money is in the account yet they put a hold on the payment. I think they are doing this intentionally so they can charge interest on the card. 
This morning, I had another purchase that was declined so I called BMO. While the rep was talking to me, she said she heard a voice in the background and wanted to know who else was a co-signer on the account. I do not have a co-signer on my business credit card. I told her the voice was my boyfriend and the news on the television. She insisted that I provide her with my boyfriend 's phone number or she could not continue the call. I explained to her that he is not on any of my accounts and had nothing to do with my business card or anything else. I asked to speak to her supervisor. I was on hold for several minutes and the rep said the supervisor was busy. She came back on trying to encourage me to call during business hours. I said I would hold. She asked again for my boyfriend 's phone number and I refused to give it to her. I said I would hold for a supervisor. She eventually terminated the call. 
The problem began in XXXX of XXXX  and today 's date is XX/XX/XXXX  for the most recent problem. BMO should have records of all of my phone calls and problems associated with this credit card.

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 2023-12-14
Company: Chime Financial Inc
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a credit builder account with Chime in early XXXX. The way it was advertised is that if I deposit money into it, I use the card like I would a debit card to pay bill etc. They would then report to the credit bureau. I began depositing 50 % of my checks twice monthly with an average of XXXX XXXX going to that card. This card is supposed to act like a prepaid card. Whatever goes on it, is all that is available to spend. At some point I believe in XXXX, I noticed that my credit score was just dropping instead of increasing like they had promised in their advertising and when I checked XXXX, it showed a balance of {$1600.00} which appeared as though my available credit was negative and dropped my credit score over XXXX XXXX  I then stopped depositing money on that card or using it, and the balance still shows {$7.00} Now the issue is they're saying I owe them {$560.00}. No one was willing or able to clarify where the {$560.00} came from. Since this is not a traditional credit card, there is no total available balance for me to have over spent on that card. I can only spend what I have deposited. Now not only is it showing a balance that is impossible to have, per their advertising, but it is also showing 2 late payments which just hit my credit score again. So despite paying off all of my credit cards and most of my debts, I now have negative payment history effecting my score rather than it improving by getting myself in a better financial position. 
When I've talked to Chime about this, the only thing I've been told is to check monthly statements and they don't understand what I'm asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: PNC Bank N.A.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to address a concern regarding the accuracy of my credit report. After a careful review, I have identified late payments on my credit report that I believe to be inaccurate. I am requesting your assistance in either removing or correcting these late payment entries promptly. 

I understand the significance of maintaining an accurate credit history and its impact on my financial standing. I am committed to ensuring the correctness of the information reported on my credit file. 

PNC BANK XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or PNC BANK customer service. XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 



I kindly request a thorough investigation into this matter and ask for the removal or correction of the inaccurate late payment entries from my credit report. It is crucial to me that my credit history accurately reflects my financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to address a concern regarding the information on my credit report. After reviewing my credit report, I noticed that there are late payments listed on my account, and I would like to request either their removal or correction. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. However, I believe there may be an error in the reporting of late payments on my credit report. I have attached supporting documentation, including bank statements and payment records, to illustrate that these late payments are not accurate. 

COMENITYCB/MYPLACERWDS XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or COMENITYCB/MYPLACERWDS customer service I kindly request that you investigate this matter and, if appropriate, remove or correct the late payments from my credit report. I am committed to maintaining a positive credit history, and the accurate representation of my financial status is crucial for my financial well-being. 

Thank you for your time and assistance in rectifying this matter. I am confident that we can work together to ensure the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: CCF Intermediate Holdings LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by Rapid Cash via a phone call asking for my social security number. I have never opened an account or received a loan through Rapid Cash. 

A month after the phone call, I received a letter stating that I have an account # with R.C. And have a past due amount of {$1100.00}. The letter asked me to pay within 30 days and provided a payment stub and envelope. 

I dispute their claim. I have never used Rapid Cash or received a loan through their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Genesis FS Card Services, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of fraud and identity theft. Someone stole my identity and opened up 2 credit cards and used these cards for purchasing. 
I noticed the first card where I became a Credit Card Statement from Genisis FS Card Services on XX/XX/2022 via USPS mail late evening. 
1 Credit card company : Genisis FS Card Services {$3400.00} 2. Credit Card XXXX XXXXXXXX XXXX XXXX XXXX {$3400.00} I immediately filed a Police Report on XX/XX/2022 in the morning - XXXX XXXX County Police Case # XXXX. 
I immediately froze all my Credit Information, filed Identity fraud theft reports, and disputed these 2 Credit Cards by XXXX, XXXX, and XXXX. I filed also an Identity Theft report with the Federal Trade Commission, XXXX XXXX XXXX, Social Security Administration, and the IRS. 
1. Credit Card Company XXXX Genisis FS Card Services- you can't call this company since a computer Voice wants first the Social Security Number XXXX 
I contacted both Credit Card Companies ( Genisis FS Card Services & XXXX XXXX XXXX XXXX XXXX ) via USPS Mail. I provided all the information I had- including a copy of the Police Case Number. 
All 3 Credit Bureaus XXXX XXXX, XXXX, and XXXX investigated and DELETED already both Credit Card companies from my Credit Reports. For all 3 Credit Bureaus, both of the Cases are closed. I have on all 3 Credit bureaus now an extended Fraud Alert for 7 years. 
Genisis FS Card Services is asking me now again to provide Copies of filed Identity theft, Police Report. I did send already everything via USPS on XX/XX/2022. 
XXXX XXXX XXXX XXXX XXXX send me a Declaration of Fraudulent Activity which I need to sign and send back. 
Both Credit Card Companies ( Genisis FS Card Services XXXX XXXX XXXX XXXX XXXX XXXX ) did not close these fraudulently opened accounts and want to make, after I send everything again, their decisions if I am responsible. 
I did not open these accounts and both Credit Companies have all the proof already from me and the Credit Bureaus. I highly appreciate that we can hopefully close this chapter in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2020, I reached out to my Mortgage Company ( Loan Care LLC ) for assistance due to income loss related to COVID-19. Loan Care Informed me that I was approved ; nevertheless, I never received documentation to show my approved amount of terms. I was forced to choose between feeding my family or run the risk of loosing my home due to Loan Cares incompetence and unreliability. What Loan Care did is a direct UDAPP violation as they failed to provide assistance when needed. It is unfair that huge mortgage companies like loan care get away with this unethical behavior. Still until today call after call I cant reach a live representative and I simply get a pre recording advising Im approved. Again no information on the alleged temporary relief I was approved for.

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 2020-07-21
Company: BARCLAYS BANK DELAWARE
State: MS
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:
Fraudulent charges were made as follows : XX/XX/2020 {$830.00} XX/XX/2020 {$150.00} Disputes were filed online without any sort of acknowledgment. Then we followed up with a letter to the company with the details. We had a total of three charges. We believe one was taken care of based on a refund we saw on the loan. We then also received a vague letter that did not reference an amount, date or anything.

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 2022-11-13
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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