BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-02
Company: Experian Information Solutions Inc.
State: VA
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:
Presently, while the account is showing a XXXX balance, it is reporting that it was 180 days past due. The account WAS NEVER 180 DAYS PAST DUE. The previous loan servicer did not correctly apply loan forgiveness paperwork in XXXX. I was not notified of this until XXXX. After repeated attempts to get this fixed, and threaten legal action, the previous servicer XXXX XXXX XXXX XXXX transferred this loan to XXXX XXXX XXXX. In doing so, they still failed to have the paperwork correctly entered. Upon Transfer, the XXXX XXXX XXXX. applied paperwork, but still reported the loan as 180 days delinquent, which is completely false. This needs to be resolved, as the account was never late!!!!

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 2021-10-23
Company: Movement Mortgage LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job because I refused to take the non-FDA approved vaccine, so my company let me go. I have a family of XXXX, and now all law firms that I have applied for, have blacklisted me because of not taking the shot. I'm the sole provider for my family, as my wife is XXXX due to a car accident. We have XXXX young children.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding has been harassing me & reporting false information on my credit report for the amount of {$840.00} stating it was opened on XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Loan Number XXXX I purchased used car From XXXX and Loan was with GM Financial. I paid of the loan and I haven't received my pro rated gap insurance money back yet it been 4months

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: EQUIFAX, INC.
State: VA
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:
Presently, while the account is showing a {$0.00} balance, it is reporting that it was 180 days past due. The account WAS NEVER 180 DAYS PAST DUE. The previous loan servicer did not correctly apply loan forgiveness paperwork in XXXX. I was not notified of this until XXXX. After repeated attempts to get this fixed, and threaten legal action, the previous servicer ( XXXX XXXX ) transferred this loan to Department of Ed. In doing so, they still failed to have the paperwork correctly entered. Upon Transfer, the Dept of Ed. applied paperwork, but still reported the loan as 180 days delinquent, which is completely false. This needs to be resolved, as the account was never late!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
CAPITAL ONE BANK USA N # XXXX. This was a paid for deletion account. I agreed to pay and they would remove this account from my credit report and the payment HISTORY is inaccurate as has been paid for quit sometime now and still reporting negative information as of XX/XX/2020. 

Please deleted ASAP as agreed for payment.

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 2021-10-23
Company: EQUIFAX, INC.
State: IL
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 filed a compliant already they didnt correct the the removal date on my bankruptcy its posting for 10 years. Then I have recent unknown information on my credit ( XXXX XXXX XXXX XXXX XXXX, Mt XXXX ) I have never done business with them that is inaccurate then my score dropped over 60 points for removing the inaccurate information which I dont understand why. Please removal all hard inquires that Im not doing business with that are over 30 days old on all 3 reports. I am in distress this is really affecting my credit. 
its been over 30 days and only certain things were addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am trying to get a mortgage and my Federal Student loans are still showing on Fedloans and Studentaid.gov as owing. However on XX/XX/2022 Fedloans sent me a letter showing that I have qualified for the complete Public Service loan forgiveness. It's been over half a month and nothing is changed. On top of this my credit report is showing I have a over {$500.00} payment due to Fedloans. Which is not true..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On the XXXX Day of XXXX I went to XXXX XXXX XXXX XXXX I was told on my credit report I have numerous alias names, like XXXX XXXX XXXX or XXXX, what kind of nonsense is this. This is not me, nor has the Credit Bureau reached out to me, or proven who this person is. I also was told I have numerous addresses that are incorrect and my job information is incorrect. I have called Experian at # XXXX and XXXX XXXX. 
I have been calling this number for 4 days to no avail. I have never used any of these names in my entire life. I have even found accounts of men posing as me on my credit profile, I found one of them on XXXX, drinking champagne bragging about finessing older women out of their information online. I even wrote countless letters for these items to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX DL # XXXX XXXX XXXX SS # 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 2017-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Presently, while the account is showing a {$0.00} balance, it is reporting that it was 180 days past due. The account WAS NEVER 180 DAYS PAST DUE. The previous loan servicer did not correctly apply loan forgiveness paperwork in XXXX. I was not notified of this until XXXX. After repeated attempts to get this fixed, and threaten legal action, the previous servicer ( XXXX XXXX ) transferred this loan to XXXX XXXX XXXX. In doing so, they still failed to have the paperwork correctly entered. Upon Transfer, the XXXX XXXX XXXX  applied paperwork, but still reported the loan as 180 days delinquent, which is completely false. This needs to be resolved, as the account was never late!!!!

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 2021-09-14
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/2021 my husband and I went to Lowes Home Improvement store to purchase decking supplies. The sales person at the Pro Shop desk sold us on opening up a business advantage credit card so we would get the 20 % off our purchase for new applicants and a 5 % discount each time we made a purchase at Lowes for having a business account.

We agreed to applying since it would afford us time to pay the amount and we would also get our order by the beginning of summer. Unfortunately the total for the supplies maxed the credit limit on both my card and my husbands. 

On XX/XX/XXXX my husband and I both received a letter from Synchrony Bank indicating our accounts were closed due to few commercial financial accounts and few open commercial credit card accounts. 

This is very unfortunate as we never indicated to the sales person we were contractors or professional commercial builders. This credit card was recommended by that sales person and never advised us there was a possibility it could be closed in the near future for these reasons. 

Upon calling Synchrony Bank Lowes and speaking to a supervisor we were advised there was nothing they could do and recommended we apply for the Lowes Advantage credit card. 

I informed the supervisor how is that fair when we applied in XXXX and why was it approved if the credit report showed no commercial accounts. We no feel we were approved just to get is to make the purchase snd now we are locked into paying this money and the interest if we fail to payoff before the promotional period. 

Not only do we have no credit card but we will be subjected to another inquiry on our credit report. When this was already done back in XXXX. My credit report shows they checked my consumer credit history so for them to say they only checked my commercial credit history is untrue.

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 2021-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 initially sent a series of letters to the debt collection agencies. 
I am fully aware of how reporting works and found evidence of non-compliance in accordance to the E-Oscar and Metro 2 format procedures to report. 
Please see attached documents of proof of me sending the letter. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: AES/PHEAA
State: FL
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:
XXXX XXXX  SHOWING AN LOAN ON MY XXXXXXXX XXXX  AND XXXX THAT IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed a complaint with CFPB about this issue already and it was closed. I've been with Wells Fargo almost 10 years now and the last year and several months they have been holding my payments to and from me until I overdraft, adding a payment they never showed on my account until that point. They constantly charge me overdrafts and then act like they're doing me a favor with a " one time convienience '' of returning partial credit of what I paid. They did the exact same XXXX here and still refused to acknowledge what they've been doing. I made 2 purchases at the same store, at the same time, on the same day at XXXX and a legal company and both times the fees were taken out 4 to 7 days apart. They are stealing money from me regularly and it is not a favor to give some of it back. They need to be stopped from the horrid practices of stealing from people they know can't afford attorneys against XXXX XXXX   corporations.

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 2020-04-06
Company: EQUIFAX, INC.
State: IL
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 disputed the unverified and inaccurate account from XXXX XXXX XXXX   with Equifax on XXXX XXXX, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof of my obligation of this alleged debt as requested. 

I believe this account does not belong to me. During the time I was disputing this account, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this account does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To date, I, a qualified consumer in/from New York state , due to new discovery ; I am an injured party/woman that has been and is being damaged by XXXX XXXX XXXXXXXX XXXX XXXX XXXX listing inaccurate information on my credit reports containing erroneous school loan debts amounting to {$50000.00} ; It is my understanding XXXX  has entered into a CONSENT JUDGMENT with the United States Courts, and agreed to cooperate with the Signatory Attorneys Generals, New York Attorney General being one of them. ( My state ) ;

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 2022-03-10
Company: JPMORGAN CHASE & CO.
State: NJ
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:
To whom it may concern, RE : Chase XXXX Credit Card It is unfortunate that as a victim of theft, I had to collect supporting documents to prove the purchases made were not me. With XXXX years as a XXXX XXXX XXXX, I have never seen a company ask a victim to solve their own case. 

I have completed a complaint with the United States Postal Police. The report is attached. I also included the Chase statement that reflects the charges. On XX/XX/2021, two charges were made. One in the state of New York and the other in the state of Maryland. On XX/XX/2021, two charges were also made. One made in the state New Jersey and the other in the state of New York. I am not sure how one can be in two states at the same time.

I did attempt to obtain information such as one charge to XXXX. I was informed that they can not disclose any information as the actual victim would be Chase. Chase would need to request any video showing who made the charges on the date shown. The other locations, based on XXXX search was a vending machine, a cigarette/vape mart and the food chain XXXX. 

I have also included my XXXX XXXX statement reflecting the charge of the XXXX XXXX in Delaware from XX/XX/2021 thru XX/XX/2021. This will show I was nowhere near the locations of the charges. 

I applied for the XXXX Chase card prior to my trip to Delaware so I may charge the room and have points for future XXXX stays. Since the card did not arrive, I used my XXXX XXXX card. Attached is the emailed receipt upon check out. 

Since this incident, I have cancelled all my Chase Credit cards and closed a checking account I had opened during the same time. 

I am incurring late charges and have seem my immaculate credit drop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX I had sent a direct ACH from another account that had bounced back without my knowledge being that I was out of town. A fee was triggered due to a gas post. Afterwards I had transferred {$300.00} into this business account and in the midst of my transfer being credited and another debit I was assessed another fee of {$35.00}. Then on XXXX, I was assessed an account maintenance fee. {$100.00} in fees within three business days, two of which were caused by bank glitches. 

On XXXX I checked my account balances and noticed an overdraft of {$65.00}. Upon checking my account balance, I had an account maintenance fee of {$29.00} which is supposed to be waived and a {$35.00} overdraft fee for a XXXX overdraft on a mistaken charge by XXXX. 

I have a Bank of America Business Advantage account which allows for a free account when you have Merchant Services with that account. It is expressly stated in the disclosures. I actively pay for it monthly. 

When the representative looked up my account they attempted to redefine terms regarding what an active Bank of America Merchant Account is ( A supervisor by the name of XXXX who refused to add any additional information besides her name and that she worked out of the XXXX Office ) She asked me to look at my account disclosure agreement which determines whether or not I am charged a fee and I did. XXXX said that I have to have an active Merchant Account with B of A Merchant Services, which I do, that I pay for. Which I said I do. 

She said, that it is only active if I batch within a 60 day period. None of the agreements state that, as well as I have batched several months this year and have been charged fees regardless. 

When I confronted her about this, and the abusive nature of trying to change terms that are not in writing nor agreed upon, not to mention being insulted and being told the only a first name XXXX, in XXXX with no other identifying information. I was extremely insulted. 

In the past 5 business days Bank of America has charged me {$160.00} in total bank charges based on bank glitches, maneuvering around agreed upon contracts and changing the terms with no proof or disclosure. 

I am concerned that I have been targeted by the bank for systematic fee abuse.

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 2021-10-23
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Earlier in XXXX, I received a pamphlet from TD Bank enticing me to open a checking account with them, promising a {$300.00} bonus after required steps are complete. I read the fine print at the bottom carefully whose relevant part is cited below : " Offer valid from XX/XX/XXXX through XX/XX/XXXX and is available to the new personal checking Customers who received a promotional mailing and who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' However, after I opened a new checking account on XX/XX/XXXX and completed all the steps and after the supposed deposit date for the {$300.00} bonus has passed I visited a local TD Bank branch and was verbally told by the local banker that I should be eligible for the {$300.00} and they are not sure why it has not been deposited. They asked me to check back after a week while they communicate with the back office. A week later I checked back and the local banker told me the back office denied my {$300.00} bonus on the ground that all prior customers who had received a similar bonus in the past is no longer qualified for the {$300.00} bonus. 

Admittedly, I did open a similar checking account with TD bank in XXXX and received a prior bonus for doing so. The previous checking account was closed in XX/XX/XXXX, and thus I was relying on the language of the pamphlet to conclude that since the " preceding 12 months '' would start to run from XX/XX/XXXX through XX/XX/XXXX. However, the position of the TD Bank 's back office is far more restrictive - it is stating that if I had received similar bonus ANYTIME in the past, for example, 5 years ago, I will no longer be eligible for the current {$300.00} bonus at dispute. This position directly conflicts with the wording on the pamphlet and constitutes fraudulent advertising inuring to the benefit of the company and to the detriment of the consumer.

Company response to consumer: Closed with explanation