BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XX/XX/XXXX my Wells Fargo checking account was hacked and somebody paid XXXX dollars bill to another bank. The problem is that On my checking account I just had XXXX dollars and WF allowed overdraft from my Wells Fargo credit card that was XXXX dollars. I went to a bank branch and opened a claim ( XXXX ). In 10 days Wells Fargo denied my claim and said that I did that myself. I went to a branch again and opened another claim ( XXXX ) on XXXX XXXX Now I am waiting for the Wells Fargo response . 
However, Wells Fargo sent me a credit account t statement and want me to pay fees and interest. I am not guilty that somebody stole my money and that Wells Fargo allowed such a huge overdraft. Could you please help me. 
I want to report this incident to press and give an interview about how Wells Fargo treats its customers. 
Thank you so much for your understanding.

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 2019-03-26
Company: NAVY FEDERAL CREDIT UNION
State: DC
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:
Navy Federal on XX/XX/XXXX Took XXXX from my checking account for a credit card that they had claimed a loss on in XX/XX/XXXX and are telling me that it's part of their practice and i have to go to the bank to get a copy of the signed agreement for the credit card. I called them and they were not helpful and kept talking about the credit card that was in collections and how i signed a document stating that they can just take the money out of my account without my approval or knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The principle of XXXX of my loans was paid in full at the beginning of XXXX. However, there remained some unpaid interest on both loans. I have automatic monthly payments, disbursed by XXXX. The automatic payments did not go toward the unpaid interest on those two loans for an unknown reason. Likewise, I could not manually pay the loans as XXXX 's website would not apply a payment toward loans with no principle. I called XXXX several times and was told that what I was seeing on my profile was incorrect and the two loans were completely paid off. So I was left without an option to pay the unpaid interest and was told that loans were, in fact, paid. However, the credit reporting agencies were notified that I was not paying those two loans and was past due ( past due for a monthly amount of {$0.00}, per the credit agencies ). I worked with XXXX to remove the note on my credit report but the unpaid interest issue remained. 

This week, I logged into my XXXX XXXX I saw that the interest had capitalized for those two loans. Except now my profile states that they are delinquent, having been overdue since XX/XX/XXXX. Additionally, when I called into XXXX I was told that the automatic payments I am making now are in excess of what I owe and I am paying ahead. My last payment ( XX/XX/XXXX ) covered XXXX 's bill but was also applied to XX/XX/XXXX. 

I have been paying XXXX for years on a automatic payment that they encourage in an amount determined by them. It is wrong of them not to apply my payments to pay off debt due rather than over charge me and pay ahead ( of which I can't keep account of on their website ). I am concerned that many of my payments have been equally misapplied. 

Lastly, XXXX refuses to provide me with a summary of my contacts with them. They keep dates and notes of when a customer calls or emails. I have called two or three times a month on these issues for several months. It is noted in my profile but they will not share that with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Investigation took more than 30 days

Complaint:
I've filed a dispute in regards to the incorrect items on my credit report to XXXX  it has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted the paperwork to Lexis Nexis that they requested and I have yet to hear back from them. I need to know the status of a judgment they are reporting that is over the statue of limitations. It was my understanding that they have to follow the same guidelines as the other credit reporting agencies and the statue of them fall within the 7 years for which the judgement was over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After sending my police report to Equifax at my attorney 's urging to block several fraud accounts.equifax proceeded to unblock several accounts that had been blocked and did not appear on my report.coencidentally XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all reappeared on my credit file the same exact date that XXXX XXXX XXXX and XXXX XXXX we're deleted from my report.this is illegal.XXXX XXXX XXXX XXXX and XXXX XXXX are fraud accounts and they, Equifax has proof, as does the creditors.The two collection accounts they put on my report are not even being reported by the actual collection companies.equifax is reporting these four accounts illegally and they need to be removed as they originally were!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: GOLDMAN SACHS BANK USA
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: Account status incorrect

Complaint:
I paid off my loan and the company reported the loan closed rather than paid in full and my credit score was decreased by XXXX points. 

Your Marcus Loan XXXX is paid off! 
No more payments are required for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX XXXX XXXX/Zales Was in mall one day trying to make payment on a ring I purchased from Zales with a Zales store credit card n prior to making my payment I tried talking to someone thought might like n was walked out by security guard n mall Manager n asked not to return or be trespassing n that's the only place Zales resides never hurt neone or stole from the store or any department I called Zales even sent my mom to mall to make payment on the phone 's they said they couldn't verify me like that n I. The mall same thing I'd have to come in for my account number which would be tres passing I was willing to pay both ways by phone n the store but was denied my payment n account number to use for payment for even online it's the only thing hurting my credit report n to beat it all prior to all this the account was almost paid in full then hit 150 days late past due due to what happened n it's the only negative item on my credit report but when finally got ahold of somebody willing to cooperate they got there money even down to the late charges/fees n I also got a XXXX credit card n it's on time n paid in full I disputed Zales with creditor n credit beaurus n nothing done

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: STERLING JEWELERS, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I received a call from XXXX XXXX, XXXX a third party debt collector stating they had placed a lien on my vehicle. They told me I owed them {$1600.00}, but they would settle for {$740.00} and that I missed a court date in XX/XX/XXXX. I was never notified of a court date, I never received any information about a debt trying to be collected. I learned the debt was from XXXX XXXX. My bankruptcy that was discharged in XXXX XXXX, Jared was a listed creditor and was notified of the granting of discharge under section 727 of title 11 United States Code by email on XX/XX/XXXX at XXXX. During the purchase of my home in XXXX of XXXX, I had to get a judgment vacated from XXXX XXXX, the previous third party creditor hired by Jared to collect the debt. The court vacated judgment, as the debt was discharged in my bankruptcy in XXXX. The XXXX XXXX stated they placed a lien on my new vehicle purchased in XX/XX/XXXX. On XX/XX/XXXX I emailed a copy of my bankruptcy to the XXXX XXXX. Today XX/XX/XXXX I called to follow up. I was informed my account has been closed. They told me they closed my account and referred me over to criminal charges, because it did n't matter that my debt was discharged in bankruptcy, it was theft and I stole property. I called my loan company for my vehicle and I called the MVD, no lien has been listed. I 've checked with all courts, I ca n't find record of a previous court date, nor can I find any information about criminal charges. This debt is not owed, I 'm being threatened with my personal property and criminal charges.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: MI
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:
XX/XX/XXXX XXXX XXXX XXXX Balance : {$2500.00} THIS IS NOT MY ACCOUNT. My identity was stolen and used to attain phones. This had been settled with Equifax and is still showing on there. 

XX/XX/XXXX XXXX XXXX XXXX Balance : {$8500.00} THIS IS NOT MY ACCOUNT. 

HARD INQUIRIES that I did not do nor authorize on my Equifax report : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX HARD INQUIRIES and accounts that I did NOT authorize on my XXXX report : XX/XX/XXXX XXXX XXXX XXXX : {$3600.00} THIS IS NOT MY ACCOUNT INQUIRIES : XX/XX/XXXX XXXX ( I wasnt even in the USA ) XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 an unauthorized electronic transfer was made from my checking account to my credit card. I called BBVA Compass on XX/XX/XXXX. I was told to get it reversed it would take 3 to 5 business days. Nothing ha been reverted and after calling agin today they are telling me it will take 3 to 5 business days again. I never authorized any payment to be processed nor should it take 10 days to get the funds back. If they give it back? My fear is they are taking money and blowing it up into thin air and this is not the time to worry us consumers. We already have a lot to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
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:
Hi my name is XXXX. I recently was at home doing a routine credit check for myself. As i'm going down the list of items on my report I noticed somethings that i'm certain are not mine. I was advised to contact this agency.. I also contacted my local police and FTC. These items are not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Inquiries : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi my name is XXXX. I recently was at home doing a routine credit check for myself. As i'm going down the list of items on my report I noticed somethings that i'm certain are not mine. I was advised to contact this agency.. I also contacted my local police and FTC. These items are not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. Inquiries : XXXX XXXX XXXX XXXX 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 2019-03-26
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:
I have been disputing information on my credit file and noticed Bank XXXX XXXX was reporting 2 old accounts. I asked for XXXX to send me payment history and all they did was send me a statement saying information was accurate. I didn't get any proof of payments 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 non-monetary relief
Consumer complaint received 2020-05-06
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert today from XXXX Credit Bureau to advise me that there was a change to my credit. Once I logged on, I discovered 2 unknown collection accounts on my credit from Law Offices of MBA??? My credit report further states the date of services or the day the accounts were opened was XXXX and its for a company called XXXX XXXX. My complaint is that I have never received a collection notice from this company before. I also have health insurance and I have not been to the Dr. this year so far.- I don't know what this is for. I have also been a victim of Identity theft they can check with the FTC or the bureau. I have a police report on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: Experian Information Solutions 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:
I applied for an XXXX account last week. I denied so I wanted to know why I was denied. I called XXXX 's customer service to try and get some sort of explanation on why I was denied but they didn't tell me much. So I went home and checked my credit report. After doing so I see a couple items on my report that are not mine. Im doing this on my own behalf and I also contact my local police and the FTC as advised.These items are not mine and need to be deleted from my report. I'm working on my own behalf. XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2018-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I just tried to link my Capital One 360 debit card to my XXXX account to use their service called " Pay with XXXX ''. However, when trying to link my Capital One account using my Capital One credentials I got a message stating " Capital One is blocking you from enabling external applications ''. This is something that I didn't have issue with when I had my XXXX XXXX XXXXXXXX account. Capital One shouldn't be blocking this as many people out there utilize 3rd party services which allow them to keep track of their finances, help in paying off debt, budgeting, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Bread Financial Holdings, Inc.
State: MA
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:
On XX/XX/XXXX, I purchased 2 {$100.00}. gift cards in the amount of {$200.00}. at XXXX XXXX  in XXXX, XXXX with my BJS credit card. When I received my credit statement, I noticed the amount and called to tell them that I had not made that purchase. They immediately told me that they would cancel my credit card and issue a new one. After 2 days I realized that I had actually made the purchase and called the company back to notify them that I had made a mistake but they had already sent the new card. I paid the amount which included the {$200.00} in full on XX/XX/XXXX. When I received my XXXX bill, they had transferred the {$200.00} to the new account,. so I paid it again. Then on XXXX when I received my bill .... it stated the the {$200.00} was paid. On the XXXX statement, they transferred this amount to the new card stating it was a " balance transfer ''. Since I have already paid this amount twice and have contacted the credit card company COMENITY BANK .nine times with my complaint but to no avail, I am turning to you for help because again they are telling me I owe them.this amount. I refuse to pay it a 3rd time. I have requested documentation from this bank supporting their claim which to this point have not sent me. PLEASE HELP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello. My name is XXXX XXXX. I recently Check my credit report and find out there is something wrong on my credit account and other credit histories. I never attended college or university before but there is student loan is on my credit report. I already talk to the credit report company that. but student loan still showing on my credit report until today. I don't know what to do. 
I'm going to hire a lawyer and sue these credit report company and Need to Remove student loan Asap. I'm reporting these XXXX, XXXX, TransUnion today. I already mail to them but they don't response my request for loan application which is identity theft and where did I apply loan and loan sign up. They should reply mail back to me with evidence in 30 days. but they didn't do that. Please Help me to remove wrong information on my credit report. I really frustrated with my situation. Please help me.

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 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I applied for an XXXX account last week. I denied so I wanted to know why I was denied. I called XXXX 's customer service to try and get some sort of explanation on why I was denied but they didn't tell me much. So I went home and checked my credit report. After doing so I see a couple items on my report that are not mine. Im doing this on my own behalf and I also contact my local police and the FTC as advised.These items are not mine and need to be deleted from my report. I'm working on my own behalf. XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX 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