BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-17
Company: FlexShopper, Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am writing this complaint in regards of fraud activity going on in my checking account. I went to XXXX XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX, GA XXXX. My car needed A LOT of repairs done to it, and the total costing of it was around $ XXXX. The man who fixed my car signed me up to a program called Flexshopper ( also known as FlexTires ). I did not have much of a say whether I want to join this program or not, and the entire transaction and information explained to me was inadequate. The man forge my income when I did not have a job at the time, and suggested that doing weekly payments was acceptable. Once we got to the end of the entire process, to sign my name was typed and not actually in signature form. Fast forward, weeks passed and I see the payments being taken out every Monday. Recently, XX/XX/XXXX they took out the payment and right behind that payment they took money out AGAIN on XX/XX/XXXX. Not sticking with the agreement they went in AGAIN, and took out another payment on XX/XX/XXXX. I went online on a computer browser to check my lease, and it claims that I do not have a lease agreement. When I use the Flextires app it states I have an agreement ; looking closely at the agreement there is errors, my name is not signed, the signature of the company does not look real, and my payment is only suppose to be {$46.00} and some change ( payments do not state they are authorized ). Tried to called the company three times no one answered, sent them two emails no one answered. Went to my bank ( XXXX ) to report a fraud and paid a {$31.00} fee. The fraud department did not do their job and now another payment has been taken out on XX/XX/XXXX. I am XXXX XXXX XXXX, stressed, working extremely hard to pay bills, to go back to college, and so forth. Having someone forge my information, taking out random deductions out of my checking account is infuriating. I have proof of everything I have said in this complaint and I need serious consequences to be handed to this company and XXXX XXXX XXXX XXXX. Also, my car is still messed up, my windshield fluid was completely empty, windshield wipers smudges, alignment not great, breaks are squeaking and creaking A LOT, I could go on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has reported my account for the last XXXX years that I'm not late on any of my accounts. Then on XX/XX/20, a collection account appeared only on Experian. I checked XXXX  and XXXX. My credit score dropped. I was at XXXX and now they are reporting 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 2021-03-05
Company: ROBINHOOD MARKETS INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
over 2 years ago i started an account with an online brokerage firm called RobinHood.com fast forward to about 3 months ago and i get locked out of my account because they quit using email verification, so i contacted their customer support via email and fought with them for about 2 weeks over this issue to no avail, so i contacted another company called XXXX who sent me some account transfer paperwork which i filled out and sent back to XXXX who then sent it off to robinhood 's headquarters about 2 months ago, robinhood ignored the transfer and so XXXX sent a letter to them to follow up which was ignored and they sent a second letter which was ignored and now they are going to send a third letter which will probably be ignored. as a result i have called many lawyers who mostly tell me they dont know what to do and 1 that said i should contact your offices, the sec, and if that doesnt do anything then to contact the FBI and press charges on robinhood. also i went to robinhood 's website yesterday XX/XX/21 to email their customer support to let them know that XXXX was trying to get ahold of them, only to find out that they changed it so that you cant email them unless your logged into an account which im locked out of, as a result if i wanted to contact them i would have to go to their headquarters in California to do it, because i couldnt just send a letter it would be ignored. all i want is my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have open complaint but new evidence urgent I need to let sps know I have doc show I opt out XX/XX/XXXX decline so that reason XXXX say loan became default start XX/XX/XXXX for 5mos say I was 151days default so partial claim sibordinate look legit I finally spoke to someone today in osbudman group she was very truthful she did not use the stall tactics sps used last 90 days what she told me today when she found I had lawyer send complaint it is not on them to fix a deceptive modification so all docs I sent in were waste of time and I am upset I feel I was misled they are not the owner and trust holder of note as they claimed I need to find out who is responsible for my disception I have new evidence I actually OPT out XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i have explained to creditor XXXX XXXX XXXX XXXX that i lost my temp job and do not have another job yet. the response from the customer service representative was " you'll be getting unemployment insurance. '' I did not ask this debt collection agency to be my financial advisor. they have been incredibly aggressive in calling every other day at one point. they have attached a letter dated XX/XX/XXXX from capital one showing a lump sum owed of {$19000.00} but there are no other attached documents showing the breakdown of these prior credit card services. they have insisted i pay more minimum payments than i can afford to pay. they have called XX/XX/XXXX at XXXXXXXX XXXX ; XXXX at XXXXXXXX XXXX ; XX/XX/XXXX at XXXX XXXX. they have called on sundays as well and i have asked them not to call me on sun. despite this request they have continued to call. i have cobra health insurance expenses as well as student loans. they have called my mother in another state from whom i am estranged. they are in violation of any reputable debt collection practices. they are calling on my cell phone, my only phone, and so i am paying the cellular company to have a debt collector call me. this is badgering consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
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 have sent three letters to Equifax about the violation of my FCRA rights. All certified mail and one of them notarized. They have responded by email that they would investigated and would respond in thirty days. They have sent out the same letter asking me to identify myself. I have included in each letter my drivers license, Social Security, and a W2 form with my address and Identification as well as the previous letters I sent. They have been doing this stall tactic since XX/XX/2020. 

I have all receipts from the Post office from the returned receipts that were stamped or signed by someone from Equifax. They have not responded within the 30 day timeframe of investigating inaccuracies on my credit report. 

They have violated my FCRA rights and haven't conducted any investigation into the erroneous inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: MIDFIRST BANK
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: Public record information inaccurate

Complaint:
XXXX continues to report bankruptcy related information on a bankruptcy filed more than 10 years ago ( filed in XXXX ). My Midland account was reaffirmed in my bankruptcy, so the remark on my credit report is " reaffirmation of debt ''. I should not continue to be penalized or have a " derogatory '' account in my credit file for a bankruptcy filed more than 10 years ago. In accordance with the FCRA, the derogatory marks on my credit report related to that bankruptcy SHOULD NOT be reflected on my credit report. This same situation was happening with XXXX, so I filed a CFPB complaint involving XXXX, XXXX and Midland. ( It is also important to note that the XXXX account was closed on XX/XX/XXXX and Midland Mortgage was closed on XX/XX/XXXX - both with perfect pay histories. ) XXXX   responded to the complaint ( and my phone call ) advising that XXXX and Midland had to request the removal. XXXX has already done so, but Midland refused to take action. Until Midland takes action and asks for my credit line 's removal, I will continue to have a " derogatory '' remark on my credit file - and this is a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
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:
Part of Wells Fargo settlement to confirm bank fees and overdraft fees were charged incorrectly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Have issues paying online resulting in high late fees. High checking account fees.

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 2020-10-12
Company: TD BANK US HOLDING COMPANY
State: IL
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:
As a small business owner and a minority, my access to credit is limited, hence I use any and all credit I have within my arsenal to finance my project. This includes my Target Card. I usually payoff this card but during Covid, this became difficult as the Bank that was going to finance my project went out of business, as many did in the secondary market. 

Once the Cares ACT was passed, I notified Target Red Card Services or TD Bank regarding what help was available under the ACT. I notified all my credit card companies including Target. 

While payment was not made monthly, because the interest rate on this card is really egregious, payment was made yet this card still reported me late to the credit bureaus causing my credit score to nose dive and other card companies to cancel several cards or reduce credit lines which I have but were current on. 
I contacted Target, and i was told it was a mistake, the reporting will be corrected with the Credit Bureaus and the and they would address the issue and also reverse all the incorrect fees. I was also told the money owed on the account was about {$10000.00} afterall the fees were removed. I made the payment in full on XX/XX/XXXX. 

The monies were never reversed. The following month, I called them again and I was told the account is showing {$1100.00}. Online the amount showing was {$950.00}. I made that payment. I also learned the credit bureaus had never been contacted, the fees never reversed and since citizens don't have a real advocate, I made the payment with reservation. I have attached a screen shot of what the system showed was due. Lo and behold, I received another bill showing {$140.00} due again on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/2021. This company has reported me to various credit bureaus for a collection that I have no knowledge of. In the amount of {$1000.00}. I have sent this company several letters disputing that this debt does not belong to me. As well as requesting that they provide me prove of my opening such an account.Including my signature.They have not yet provided me with this information. Which has been past 30days. I would appreciate your assistance in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have fallen past due on my credit card a couple of months. I have been paying but not the full amount. I am only behind 1 month now and only for {$240.00}. Not a substantial amount but still behind. I have been receiving calls and voicemails daily, literally daily and that includes weekends. Have made payments to prevent myself from falling multiple months behind but I still get calls every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Random collections added to my credit report of services i never received with bills not belonging to me. I never received any prior information about any of these things before they popped up on my credit as collection items.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Specialized Loan Servicing Holdings LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I recently, discharged from bankruptcy after 5 five years, I made all my payments on time. My compliant is with Specialized Loan Servicing, their information is not aligning with my statements I received from my bankruptcy attorney. Below is what my attorney sent me in an email and I also have hard copies to back it up ... XXXX Have reviewed the statements, and I am attaching the mortgage claims paid in full by the Trustee. It appears from the ongoing mortgage claim, your mortgage balance at filing was {$64000.00}. Through the plan, you have paid the mortgage company a total on the balance of {$45000.00}. On the arrears claim, you have paid through the plan {$11000.00}. That is a total paid of {$56000.00} thereby leaving an approximate balance on your mortgage of {$7800.00} ) Specialized Loan Servicing statement that I just received for the month of XX/XX/2021 is showing {$49000.00} like I haven't paid anything at all.

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 2020-05-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020, I started the Exparian Boost after receiving several advertisement on the benefits of boosting your experian credit score.  on XX/XX/XXXX, my Experian score drop 23 points due to a faulty system. The system was not able to locate the automatic online payments through my connected financial institute ( XXXX ). The purpose of Experian Boost is to increase the consumer 's credit. I spoke with two Experian Credit Bureau customer service personnels and they collected the information and told me I have to wait 30 days or more to see a change on my credit. My Experian Credit score was 757 because using the Experian 's boost. Today, my score is XXXX. I am currently in the process of purchasing a home and the bureau refuses to fix the problem which is a failure of their faulty system.

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 2020-05-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loan servicer is XXXX XXXX Borrower Services. They have reported that my account is in deferment, which is because all federal loans are due to the pandemic. This has caused my credit score to drop to the point that I can not purchase a home anytime soon. I was told that deferment does not impact your credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
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:
I submitted an FTC report and I haven't got a response back from the major bureau. I am a victim of Equifax data breech this is fraud on my account. I never agreed to having these credit cards on my account, I am very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Convergent Resources, Inc.
State: MO
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-06-29
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
To Whom it concerns : Hi, I have a credit card account with TD Bank card service through the furniture store XXXX XXXX XXXX. I bought a XXXX dollar furnish last XXXX with the free APR finance for half year. I arranged the automatic payment to pay the balance in full in six months. but due to the operation problem from my bank. so i missed the last payment to pay the balance in full, which is about XXXX dollar. now they charged me over XXXX dollar interest on my account. this is not fair charge with only XXXX dollar balance. during the covid-19 ciris, people can delay their payment. I continued to make payment. the XXXX dollar int charge is not fair. I expressed my concerns to TD Bank. they did not want to reduce the int charge. 

Best

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recently got some papers mailed to my house from Transworld Systems Inc saying I owe a debt to them of {$1000.00}. 


I dont know this company never done business with this company this company doesnt have any contract with my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLESE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME. XXXX XXXX {$20000.00}

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