BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: MoneyLion Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
A fraudulent account was opened in my name online. I contacted their fraud department and they instructed me to file a police report. I contacted the police and they told me they needed more than just a copy of the original loan agreement to prove it's fraud. I asked the company for a copy of the original application, an explanation of how they verified identity before approving the application, and a transaction history of the account created in my name. It's been several weeks and I haven't gotten the information they requested. They claimed payments were made to the account so it can't be fraudulent. I explained that the only reason payments were made were because whomever opened the account in the first place also had my actual checking account information and they setup automatic payments. That's how I discovered the existence of this account in the first place. After emailing customer service, they told me to call the main phone number for customer service and speak to a representative from the fraud department. When I called, they told me the fraud department only communicates to consumers through email. They then said they would create a ticket and reach out to me with further information. It's been several weeks and I still have not gotten anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: BARCLAYS BANK DELAWARE
State: CA
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:
On XXXX/XXXX/2020, I was charged a {$95.00} annual fee for the upcoming year. I called in on XX/XX/2020 to discuss my options and decided to cancel the card since I did not think the benefits were worth the fee. I was told the annual fee would be refunded, but it has not been processed and my payment is coming up.

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 2020-11-14
Company: CBC Companies, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Im a victim of identity theft and I have multiple hard inquiries for accounts I do know have and not aware of applying for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: PLAZA HOME MORTGAGE, 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: Account status incorrect

Complaint:
On XX/XX/XXXX, I got a notification from XXXX about a change to my credit report. Plaza Home Mortgage was reporting me as 150+ days late. I had entered a forbearance in XX/XX/XXXX un the CARES act as my salary had been temporarily cut. At the end of the forbearance period in XXXX or XXXX, I was unable to pay the in arrears amount in full. I was given the option to repay over 6 months ( which I could not ) or a modification. I paid the new amount on time each month. It is my understanding that under the CARES act, the mortgage company should continue to report the account as current since it was current before I entered the forbearance period. I immediately called Plaza Home Mortgage on XX/XX/XXXX and they admitted it was reported in error and they would reverse it, but it could take 30 days. It is still reporting as late on all 3 bureaus. I called Plaza Home Mortgage on XX/XX/XXXX. The initial Customer Service Representative told me they did not follow the CARES Act. I asked to speak to a supervisor. They told me they would correct the information and would get back to me on Monday XX/XX/XXXX. I still have yet to receive a call. This error has caused my credit scores to drop 100-200 points, depending on the score. Several credit cards have dropped my limits by thousands of dollars. This made my score drop more as it my utilization go up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company reported a collection item on my credit starting in XX/XX/XXXX! I called this beacon was not aware at all about the collection. They failed to called me or send me proper documentation about the collection. Then I contacted them again after the reported it on my XXXX a week later!

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 2021-05-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a checking account with Wells Fargo that is called a Opportunity account. It charges {$10.00} a month and the fee is not applied if I carry a XXXX balance, of which I do. The issue is that I am limited to {$500.00} withdrawal per day. My checking account has been in great standing and I've inquired each quarter as to when I will be moved to a non-fee, non-restrictive account. The answers I get are the same " they don't know ''. I have asked for guidelines and they say they have none. I have cases of people with lower balances that have been moved to regular accounts and have had the account shorter time. Wells Fargo has a history of fraud and I suspect that the their practices are discriminatory. I have white friends in richer zip codes that had the same account, carried less of balance and are now in a regular account. This bank has a history of fraud and they fail to disclose guidelines and practices that affect my checking account. This is an FDCI bank and should disclose policies on our checking accounts. I want the CFPB to look into what I believe is an illegal practice.

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 2020-06-06
Company: Experian Information Solutions Inc.
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:
Experian continues to report fraudulent and erroneous information on my credit report that should be removed. They are in 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 2018-05-04
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX at XXXX XXXX called one of my co-workers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My Name is XXXX XXXX XXXX I am a victim of identity My credit is monitor for FREE for the being a victim of identity theft Experian was monitoring my credit for free. I never give Experian permission to charge me {$24.00} per month for service that I was getting for FREE. This credit report agency started to charge me {$24.00} in XX/XX/2020. I receive the monitoring service for FREE I never authorize for this credit reporting agency to charge my XXXX XXXX account every month for service that I received for FREE. I called the Experian credit services and ask for a refund and I was told that they were unable to give me a refund for the prior months. I contacted my bank about these unautorzired transactions and the case Id number with XXXX XXXX  is XXXX I spoke with XXXX with XXXX XXXX. 

Thanks 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 2020-07-28
Company: Experian Information Solutions 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:
On XX/XX/2020 I sent via certified mail, deliver receipt to advise that two accounts with this bank listed on my credit report were fraudulent. This company failed to remove although cfpb complaint, police report with account listed, notarized affidavit were received. This company is acting in excess of the law. I sent a follow up letter on XX/XX/2020 demanding they comply with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: EQUIFAX, INC.
State: CA
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:
Based on my attorney advice, I request Equifax to take my complaint serious and answer to my attached letter ( also mailed to Equifax address ) clearly. Unless Equifax removes the account ( XXXX ) from my account, by the California law I request a full description of the procedure used to determine the accuracy and completeness of the information including the business name and address of the furnisher of information contacted. 
-- -- - Based on my investigation, the collector ( XXXX XXXX XXXX or XXXX ) has improperly aged the real date of first delinquency ( which is on XX/XX/2018 ) to the service date ( on XX/XX/2018 ), and then reported to Equifax without any notice to me. My insurance claim shows that the medical center ( the creditor ) submitted the claim very late on XX/XX/2018 ( more than 3 month after the service date ), and then the creditor billed me on XX/XX/2018. 

If an account is established under what is called open-type credit ( not to be confused with an open account ), then the full amount is due when BILLED. By the law, the consumer has 180-DAYS from the day of first delinquency ( DOFD ) to pay the medical bill before the agency is allowed to report it to the credit bureaus, but XXXX reported it on XX/XX/2018. ( 1 ) XXXX did not send any collection notice to me before reporting. ( 2 ) XXXX altered the date of first delinquency. ( 3 ) XXXX reported the account before 180-days period, and Equifax did it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
BACKGROUND INFORMATI XX/XX/XXXX XXXX XXXX XXXX  USA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/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 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Transunion XXXX Re : Social Security Number : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquires that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX 2. XXXX Fd 3. XXXX XXXX 4.

5. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2018-05-04
Company: CAINE & WEINER COMPANY, INC.
State: NV
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 reported the fraudulent account it was removed from my XXXX Credit reports The fraudulent charges are still being reported by XXXX. Ive filled a report with XXXX and the collection agency. My score went back up but the collection account is still on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Allied Collection Services, Inc. (Nevada)
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Allied Coll is reporting that they hold the debt for an account I had with XXXX. I made arrangements and paid XXXX directly, paying off the debt ( copy of payment to be attached ). Allied should not be reporting anything on my credit reports. Please remove immediately from XXXX  and 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 2020-07-03
Company: Stern Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX XXXX  leaked the data of 143 million Americans, I was also one of those 143 million. My personal information was used to open several accounts in my name, as a result I have become a victim of identity theft, my overall credit score as well as mental health has suffered greatly.

The following accounts should be removed from my credit file. Stern Recovery is currently reporting three accounts to my credit file that should not be there.

Stern Recovery Service {$110.00} Stern Recovery Service {$1000.00} Stern Recovery Service {$360.00} I have disputed this account twice ; this company has not verified this account as belonging to me. The Fair Credit Reporting act requires you to remove this account from my credit file as soon as possible. Under the " Fair Debt Collection Protection Act '', by law, your company should have sent me the following information.

1. An explanation of what this alleged account balance is for.

2.A calculation of the balance, including the complete payment history.

3.Documentation that shows I have agreed to pay this debt.

4.The agreement that grants you authority to collect on this alleged debt.

5.A copy of your state license, including lic
ense number.

Your company has failed to provide me with this information, my lawyer has advised me that we will move forward in court in exactly 4 business days if this information is not removed today. 
In the event that you do not remove this account from my credit file, I will move forward with the necessary steps to sue you for actual damages and declaratory relief. According to the FCRA regulations, I may sue you in qualified state or federal court, including small claims court in my area.

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 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have employer on my credit report I never worked for and wanted it removed and changed with my current employer XXXX XXXX XXXX XXXX. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 2018-05-04
Company: Experian Information Solutions Inc.
State: VA
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:
Two days ago I submitted a complaint to all three credit bureaus regarding their failure to raise my score after their investigation and removed inquiries. I further explained that when the fraud inquiries happened my credit scores all dropped over 5 points each but when they were finally removed my score only went up one point. I received confirmation that the CFPB submitted my complaint and just today I was alerted from XXXX XXXX that my scores all dropped today by 14 points each. I checked and there was no reason for this to happen, there are no new inquiries or any payment errors. The Credit bureaus dropped my scores on purpose as retaliation for my complaints

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 2021-05-28
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have been attempted to contact Persolve Legal Group attorney who filed a lawsuit against. The collectors on the line refuse to allow me to speak with their legal team and instead state they are the legal team. I have been trying to resolve this matter for months but have received nothing but belittling and threatening phone calls from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
PNC billed me a {$25.00} fee on XX/XX/XXXX for not having sufficient funds in the right account. I rectified this issue, by transferring {$5000.00} to my virtual wallet " spend '' account ending in XXXX on XX/XX/2020. In exchange for rectifying this, PNC agreed to waive this fee. 

On XX/XX/XXXX, I was billed an additional {$25.00} fee despite having a balance of {$5500.00} in the checking account. The required minimum balance for this account is {$5000.00}. 

I was told that the reason I was billed was because the average balance did not equal {$5000.00}. PNC refused to refund the {$25.00} fee billed on XX/XX/XXXX as a result. This is not fair or ethical, as I did exactly what they told me to do in transferring the money to the checking account. PNC should refund this fee as well because it was mathematically impossible for the average balance to equal {$5000.00} due to the time it was transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Reaching out requesting assistance as other means have failed. 
Currently a deployed XXXX XXXX XXXX officer. In XX/XX/XXXX, I refinanced my home in XXXX, va with Mr. Cooper Mortgage company ; loan # XXXX. Each month I utilize my banks auto pay for recurring bills and it has worked flawlessly. Beginning a year later, XX/XX/XXXX, Mr. Cooper began sending me a check in the amount of my mortgage and then later sending me a notice of late payment. Each month I speak with a company rep to clear up the matter to only have it recur a month later. Reps had told me to tear up the checks and they will have funds applied to my account. The was told to cash the checks to repay utilizing their website. After 5 months of this and escalating within the organizations it continues to happen and now received a notice that I ow 3 months mortgage payments. I reported to the XXXX XXXX XXXX  and this did not solve the issue. Now I received a letter stating I have requested 'relief under the Service Members Civil Relief Act ( SCRA ) ', which I HAVE NOT Late fees are being charged despite records of my on time payment and confirmed by my bank, of payment. I have received certified letters notifying me of default on loan. 
My role within the XXXX requires a security clearance and can become compromised due to financial problems. 
Summary, I have paid each mortgage payment on time with proof and each time Mr. Cooper fails to apply my payment to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XX/XX/XXXX I received an email XXXX dba Resurgent Capital Services and Pinnacle XXXX  Services LLC stating I owed a debt from XXXX for XXXX XXXX. I sent an email stating to validate the debt noting that the debt was over 15 years old. I never heard else until XX/XX/XXXX. 

I received a letter in the mail from another debt company XX/XX/XXXX called XXXX XXXX XXXX, requesting triple the amount of the original debt, in addition XX/XX/XXXX the same letter from XXXX dba Resurgent Capital Services and Pinnacle XXXX Services LLC validating the debt.

This debt is not mine as I have informed them and it is very unethical for two to be collecting on the same debt for two different amounts.

Company response to consumer: Closed with explanation