BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was a victim of a scam/fraud while visiting a foreign country. The merchant had my card on file and charged additional fees that I did not authorize. 

I immediately reported the fraudulent charges to Wells Fargo - prior to the charges being run and was advised by a Wells Fargo representative that the card would be closed at that time. 

However, the fraudulent charges still posted days later. 

I had to open a second fraud claim with Wells Fargo because they closed the first one without consulting with me or asking for additional information. 
I received no phone calls or emails. Only an outdated later stating they were unable to assist me in my claim.

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 2019-01-08
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: Account information incorrect

Complaint:
XXXX XXXX keeps reporting incorrect information about late payments to my credit report. They have a different date for the 30 days late each time I dispute. I provide proof of the on time payments, it gets removed and then a month or so later they are back again reporting incorrect dates. Now they are reporting 2 late payments instead of one. This should be illegal. Its really unethical that the credit bureau companies keep reporting this information even after I show proof the payments were on time. How can someone constantly report false information?

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 2019-01-08
Company: Signature Bank (NY)
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX has not provided me with my statements from XX/XX/2018 to date. Also impeded my request to switch to online banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I opened an account with capital one XXXX of 2019. Payment was due the XXXX of each month. Ive made payments on the XXXX with the exception of XXXX ( due to covid ). Im struggling to make the min payment but still have done so. Apparently the payment is showing as past the deadline on there end. They have changed me late fees for every single month even though I made payment on XXXX. I would like to have the late fees waived so I can make payment. Moving forward I have no issue making payment on the XXXX to avoid the XXXX  policy that they Have. They have refused to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 pulled a copy of my credit report and noticed several errors in my files. Per section # 609 of the Fair Credit Reporting Act consumers have the right to dispute inaccurate information. I started disputing with TU about 3 months ago. On XX/XX/XXXX, XXXX XXXX sent me an alert so I accessed my account for updates. To my surprise, TU had finally removed the derogatory/ inaccurate items from my report. In addition to that, they removed ALL of the accounts that were POSITIVELY reporting on my credit report. On XX/XX/XXXX my score with XXXX was XXXX and on XX/XX/XXXX XXXX XXXX was reporting XXXX. Currently, there's only ONE account reporting and that's XXXX XXXX   XXXX. None of my new accounts, Installment, or revolving accounts are reporting. I knew something wasn't right because I received a letter from TU on XX/XX/XXXX with a dispute status stating : After reviewing your dispute request, we found the information you disputed does not currently appear on your TU report. It's possible the information was updated before we reviewed your report or it was reported by one of the other credit reporting companies. Normally, TU will send an updated Credit report but in this case they DIDN'T. They instructed me to pull a copy myself. I am filing this complaint because TU is negligent of removing items that were not a part of my original disputes. Also, I feel that TU is not in compliance with the policies or standards that they require their employees to  follow. This has caused severe emotional stress because I'm working on opening a business and purchasing a home. By removing those positive items from my account, this has a negative impact on my credit scores, interest rates and the ability to establish/ obtain new credit. I will be filing a complaint with the FTC and the CFPB. I'm demanding an immediate investigation into this claim and would like for TU to restore my report with the positive accounts I had listed prior to them deleting them.

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 2022-01-05
Company: Genesis FS Card Services, Inc.
State: MO
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:
I opened this account in XX/XX/XXXX. I closed this account due to the constant fees that it has and the small balance. 
I called in XXXX to close this account and have the fees credited back to me. I was assured that by paying the {$140.00} This would take care of the balance that the account is closed and they they would let the credit companies know that the derogatory credit will be corrected. 
I received a statement saying that I now owe XXXX due on XXXX XXXX, XXXX! 
I once again called to explain that this has been closed and if they go back and listen to the call that all of this was taken care of and that I don't owe this money, and that they need to also correct my trade lines. XXXX ( the manager ) told me that he will get back with me after he listens to the call MAYBE by XX/XX/XXXX. 
I would appreciate attention to this, I have worked hard to keep my credit scores up and this has sunk me. It doesn't seem like they plan to do anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/XXXX I noticed I had multiple collections on my credit report for the same student loans. After looking closer I realized that some of them even had the same amounts and account numbers but were added over and over again as if they were separate collections. This was making it seem as if I had multiple accounts go into collections when that wasn't the case. I filed a dispute online in an effort to get the matter resolved on XX/XX/XXXX. I received results on XX/XX/XXXX stating that all information was being reported accurately and this is simply not true. This is KILLING my score and is inaccurate! I also have late payments listed under my student loans ( even the currently open one ) which is inaccurate because all of my student loans have been in forbearance since XXXX until present. Some were just transferred, but we're NEVER late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: DISCOVER BANK
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:
FOR 7 years Discover has placed an unverified and invalidated charge off account on my credit report & is in violation of Federal Law. The damage has been done to my credit report and it is time for it to come off according to the statues of limitations. PLEASE REMOVE THIS CHARGE OFF ACCOUNT from my credit report because it has caused financial and emotional duress to me and family. Discover is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of discovers first investigation and subsequent reinvestigation, discover stated in writing that they verified that this charge off account is being reported correctly? Who verified these accounts? Discover has NOT provided me a copy of ANY original documentation ( a consumer contract with my SIGNATURE on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, DISCOVER has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).  Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. .. I HAVE NO CONTRACT AND NO CONTRACTUAL OBLIGATIONS TO DISCOVER OR ANY OF THESE NEGATIVE ACCOUNTS! DISCOVER HAS NO PROOF THAT I OWE THEM MONEY AND MUST REMOVE THIS CHARGE OFF/COLLECTION FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account FROM DISCOVER BE REMOVED! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: The Schreiber Law Firm, PLLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company is XXXX. I have no open credit cards, ever. They are stating I owe a certain amount of debt when I have NO debt. Gentleman on the phone was very rude and had no concern of the do not call list. Harassing phone calls when I have stated MULTIPLE times to take me off any call list.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-30
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/2019 went to check my card balance in it was told to me by the automated system that a new card was mailed out to my address on XX/XX/2019 and that i should receive a new card in 2- 3 business days and then it hangs up. I tried to contact a live person but it would nt let me so I called Social Security informed them of the situation in as i was doing so i was look at my online statement were it stated my check had been deposit on to a different card then the one i had on me in that on XX/XX/2019 at XXXX XXXX someone had did a ATM withdraw of {$900.00} call all numbers to direct Express   and they just keep asking me for my socail and transfer me to different people and hang up. This has put me and my family in a crisis situation not being able to pay bills in receiving letter to vacate due to no payment of rent in other utilities, .As a customer i feel that this company has failed to provide me with the services that they promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16
Company: Alliant Capital Management LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Keep calling saying they are filing a lawsuit against me! Do not know who this is and they refuse to let me know what the debt is or who it is. Calling relatives and won't stop calling!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've had a mortgage with Ditech ( formerly know as XXXX and GreenTree ) with the first payment due in XX/XX/2000. I've been paying my payment on time and within the grace period for over 19 years. This company has consistently misapplied interest and principal payments. 

There are over 100 payments were {$0.00} was applied to the principal. There are over 150 payments were the principal+interest+escrow+other are less than the payment. ( this account does not have escrow ). ( Payment History Attached ) Total Loan Amount : XXXX APR : XXXX Monthly Payment : {$730.00} Term : 360 months

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
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:
Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, XXXX and EX. There are four trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. This is not the first time I have been in contact with these agencies about this. I am requesting that effective, immediately all four of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : $ {$7000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$5600.00} XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$14000.00} XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$1600.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent! 

--

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 2019-05-30
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Bait and Switch In XX/XX/2017, I applied for an auto title loan because I was in need of medical care and needed money to pay for the medical care. I received multiple offers and selected WCC ( Wilshire Consumer Credit ) because I liked the sales agent. I received a lower interest rate from another company and because I felt I could trust Wilshire Consumer Credit, I gave them the change to earn my business and they did in fact counteroffer with a lower rate and payment. 

Unbeknownst to me, WCC increased the interest rate and payment they quoted. 
They did a bait and switch. I contacted the agent as soon as I realized it. She never responded to me again. 

When I finally got of treatment, I called and complained about the loan terms being switched and was told " Too bad, it's too late now. '' I didn't understand that this type of loan would cost me so much and I wouldn't be able to pay the principal. In fact I was discouraged from making larger payments. I asked for copies of my loan docs and they never sent them to me. 

Each time I complained about the terms and my suspicion that this loan wasn't even a contract because I never agreed to the different terms, I wasn't taken seriously. In fact, the most recent time they tried to get me to refinance into a new loan which would be valid. 

Calling from local numbers WCC has been calling me from XXXX phone numbers, which is my area code. Their company is not in my area. They have been continuing to call me from disguised local numbers. 

Unauthorized Contact of My References My references have also been receiving suspicious phone calls from XXXX numbers that occur when I am late on my payments ( which I have been often because of the higher payment amount ). 

Damage to My Credit Because of the deceptive loan and bait and switch and my stress over the loan and illness shortly after I took out the loan, my credit has suffered and I am now struggling to finish school because of difficulty qualifying for student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The issues I have had ongoing are with synchrony financial bank. I had 3 credit cards with their company, inXX/XX/XXXX I was part of the XXXX  data breach. All of my credit cards and bank accounts were affected more than once. Prior to this I had perfect credit. All three of my synchrony credit cards were maxed out. The first time, the company helped me, I had the new cards ( account numbers never changed just the credit card numbers ) for 1-2 weeks and they were maxed out again, from places like Florida and Arizona. I live in Ohio. I disputed the charges and they denied them. I was then sued for all three accounts and was never notified of the court dates, so the ruling was To their favor I was only made aware of that when I received the court paper work in the mail. One card was for {$8800.00}, the. {$2600.00}, lastly, {$2500.00}. I spent countless hours on the phone with their support staff, explaining my situation, that I submitted 2 police reports ( one in ohio and one in Florida ) for the fraud and that I never lived or travelled to the states the charges were made from. I was told that since it happened so quickly after the first time, that this was the reason they were not going to help me. I was floored, I had always been a good customer and maxing our my credit cards was never a trend. It has destroyed my credit, precluded me from employment and I have judgements against me now as well. I get threatening letters in the mail. I can not pay these charges, Im a stay at home mom. I never benefited from the use of my cards and its been a nightmare. I just want them off my credit report. I can not help that my credit information was hacked and is all over the dark web. Im a victim not someone who just didnt want to pay my bills.

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 2020-01-31
Company: Grant Mercantile Agency
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no acknowledgement about and also im going thru the identity theft as of now. 
Grant Mercantile agency, stating account is XXXX is the place saying i owe them i have no acknowledgement of this debt and never used them and i would like them to stop it

Company response to consumer: Closed with monetary relief