BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: WELLS FARGO & COMPANY
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Tuesday XXXX XXXX Wells Fargo called me to say that someone had just tried to transfer {$2500.00} with XXXX from my online account. I had not done this transaction. I went to my local bank, but they were not able to help me get my money back. I filed the complaint with Wells Fargo. They said I had to wait 10 days to see if I would get my money back. I have bills to pay, like my house and utilities. I want my {$2500.00} back.

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 2020-06-23
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My account with JC PENNEY was closed by their bank Synchrony. I was a member since 2019. I made my payments on time or paid off early. They first lowered my limit from {$500.00} to {$100.00} base off my credit report.Now ; they closed the account off my XXXX credit report. As of today ; credit score is almost 700 ; not XXXX. I feel discriminated against due to the way they evaluated me as a customer. I could see if I was late all the time or not paying at all ; then, I deserve to be terminated.XXXX was 2 months ago. With them closing my account helped contribute to my credit score being dropped. I have had other credit cards increase my limit just this year due to good payment history. Something is wrong with picture. They obtain my report from 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 2020-09-16
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: Account status incorrect

Complaint:
Over this past weekend, XX/XX/2020, I received an email alert stating that my credit report dropped XXXX points! Obviously, this will get anyones attention for concern so I immediately logged in to all of my credit report accounts to do my research. I recently opened disputes for errors on addresses that were not mine and old inaccurate data. 

I was in the process of getting financial funding for my startup, so the past year I have been focused on paying off all my debt with an exception of my large installment loans such as my XXXX car payments and student loans which are all in good standing, as well as I did pay down all my credit balances and am now at credit to debt ratio of 16 %. 

I have called the the 3 credit bureaus and they all couldn't figure out why my score dropped XXXX points. They saw that my credit to debt ratio was low, have paid off my charge off accounts from when I hit hard times a few years ago due to a move, and all my accounts have been on time and up to date the past couple of years. 

They even mentioned, even though there were old delinquent accounts that haven't fallen off, they have been paid in full, as well as had still been on my report prior to the XXXX point drop. 

No one could figure out why as well as didn't have any solutions because they haven't seen this, so here I am trying to fix the problem and get my newest score back of XXXX that I have worked so hard to get to, as well as complete my next step for my startup funding that was about to get approved until this drastic Change. 

Please Help me resolve this as well as with all 3 bureaus who couldn't figure out why it happened. I really appreciate your time. 

Stay safe.

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 2021-06-10
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PAXXXX ) has been sending me collection notices in the amount of {$590.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been disputing a portion of a charge with Bank of America on purchase of {$190.00} for the past month with no success. I have advised Bank of America on numerous times that I have not received or singed a receipt from the merchant on this transaction and I only remember spending about {$79.00}. Bank of America refused to ask the merchant to produce a signed receipt for the charge and credit the unauthorized amount back to my account. I think bank of America is in violation of my billing rights under Reg Z

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 2021-04-23
Company: Experian Information Solutions Inc.
State: LA
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:
I have been disputing this auto loan on my report since XX/XX/2021 which is well over 30 days. As you can see from the screenshot provided each of the three bureaus are reporting that the information was disputed and consumer disagrees which means they claimed it was valid right? Well why in the XXXX are all three bureaus reporting different information from the other? If ALL have actually done the due diligence and reviewed the account information and also double checked it with my alleged contact from the lender then the information, account status, high balance and credit, last payment date, etc wouldnt differ. 
Im no fool. Ive read the FCRA laws and I knew when I sent my notarized certified letters not once or twice but now three months in a row I knew yall were using an automated e Oscar system to validate these items and from here on out I decline yall using that when dealing with me. Yall have violated my rights long enough that Im filing an official lawsuit again all three if this is not removed within the next 15 days. You do not get another 30-60 to verify as you claimed you already did that three times already. Cut the bull and delete all of this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
upon looking at my credit report i notice some fraudulent accounts and inquires i have reach out to have these fix but the problem was not fixed

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 2021-10-11
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Receiving updates " deposit account '' from Truist. It shows a balance and last for digits of account number. I DO NOT have an account with Truist. I don't know how they got my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: DE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
It is my understanding that during the process of working with your mortgage company to find an equitable solution to making monthly payments, my account should be on " inactive status '' and/or do not report missed payments. XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX the mortgage company XXXX reported missed payments. From XX/XX/XXXX through XX/XX/XXXX I was working with the mortgage company to find and equitable solution to assist in making my monthly payments. I was initially approved for forbearance program until they deemed me ineligible. I attempted several times to have my loan refinanced and/or modified but was unsuccessful. I was placed in foreclosure proceedings and attempted to have a HUD approved nonprofit organization ( The XXXX XXXX ) find solutions to keep me from foreclosure. During the foreclosure mediation, the mortgage company 's attorney, XXXX XXXX representative and I reached an agreement to have the outstanding balance paid by a HUD approved program. This never occurred because of non communication between mortgage company attorney and HUD XXXX XXXX. Because of this lack of communication, the mortgage continued to go unpaid and accrue more late fees and attorneys fees. I was eventually approved for a loan modification in XXXX of XXXX, the total ( {$26000.00} ) amount of missed principal, interest, late fees and attorneys fees were added to the back end of the mortgage, interest rate increased, terms extended back to 30 years which increased my monthly payment by {$240.00}. 

As a result of this entire experience my credit scores have been severely impacted coupled with the unnecessary stress during major life threatening medical treatments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The car loan started on XX/XX/2013 in the amount of {$21000.00}. The monthly payment is {$520.00}. More than 5 years has passed and they show the loan balance is {$19000.00}. Only {$2000.00} has been applied to the principle. The trade in value is {$3000.00} and private party sale value is {$6000.00} according to XXXX XXXX XXXX. This is just not right. The loan has over a year to go before it reaches maturity. 

They are also incorrectly reporting the payments to the credit bureaus and affecting my credit in a major way. The information they are reporting does not match the information on my statements. 

I am completely trapped! This is without a doubt extortion! 

The lender is Consumer Portfolio Services located in XXXX, California.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Tower Loan of Mississippi, 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:
Few months back I got contacted by an debt collector from Tower loan. She kept calling me almost each day. I thought it is a fraud call as whenever I asked her to send me a documented copy of the loan paper that shows that I have taken that loan, she denied. Instead she asked me to go there in their office, which did not make sense to me as long they can not share the real proof that loan has been taken on my name. This kept happening and I still continued to think that it is a fake call. I also kept getting mails from tower loan which just tell that I should go there and talk to them. All of these seemed nonsense to me as they could not provide the real document. In the meantime I moved to Georgia where I got a new job in XXXX. when I got the last mail from Towerloan, I got suggested by my friend to check my XXXX report, which showed the loan that tower loan kept claiming that I have taken from them. This made me realize that something really wrong has been happened.

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 2018-09-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a letter from a department store - informing me that they will reduce my credit limit if I don't make a purchase in 2 months. Not sure if this is legal, but, I feel they shouldn't threaten to reduce my credit limit, which was based primarily on my excellent credit history. If I don't have a need to purchase anything, why should I be penalized for not using it.

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 2018-09-07
Company: AMERICAN EXPRESS COMPANY
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:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified of a fraudulent inquiry to her XXXX credit report XX/XX/2018 made by American Express ( AMEX ). An official dispute of this fraudulent inquiry was sent to AMEX XX/XX/2018. A letter from AMEX was received by this office stating " does not contain sufficient information to conduct reasonable review ''. In the dispute AMEX was provided a notarized POA, FTC fraud affidavit as well as a police report, photo ID, SSC and utility bill. These items are more than enough to conduct an investigation of ID theft. This inaction is a violation of the FCRA and a violation of my clients federal consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 2021-03-25
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I logged into my mobile app and looked at my checking account. I noticed two charges on my account and i went to look for my debit card, which it had been stolen out of my wallet. I called SIMPLE and reported the debit card missing and the fraudulent charges, i was informed that i needed to wait for the charges to post to my account and no longer be in the pending status. While i was ending the call and before they cancelled my card a 3rd charge became pending in my checking account. so now it was a total of 3 charges that were pending and one that had already gone through. After receiving my new card i would be checking my account waiting for the charges to clear and not be in pending status any longer. so i could call and file the fraud claim. After i filed the fraud claim i waited for the investigation to finish and for the funds to be put back into my account. I received the outcome of the investigation today and they said they made a final determination on my dispute claims and based on our investigation, we have concluded that no error occurred ; therefore, no funds will be credited to your account and that this matter is considered closed. 
The reason for denial is stated The cardholder was active in the account at the time the disputed activity took place, logging in simultaneously with the disputed charges also that there were no excessive PIN declines. Let me just say that whoever stole my card obviously didnt know my PIN number and therefore they used the Credit option, hence the reason why the transactions were pending for so many days. i was logging in simultaneously due to the fact that i was checking to find out when the charges would no longer be pending and they would post to my account so that i could file the fraud charges and they could begin working the investigation. I have reached out To SIMPLE asking for a detailed log of everytime i was logged into the system and from which device, either my cell phone or computer. i have asked for the paperwork to which they used to come up with the findings of the investigation. I am going to be seeking legal action again SIMPLE and would love to find out how many other people have had fraudulent charges on their accounts but SIMPLE refuses to refund them the money???? This i will be taking to my Attorney Generals office as well to see if this is something they can investigate or look into as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management has called my phone several times a day for months. I repeatedly asked them to send me the information in writing so I can look over the information and make sure that I am dealing with an actual collection company. Now they are flagging my credit report every week for the same collection. But I still have not received any information in the mail. This company will call from different numbers from all over the united states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20
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: Information belongs to someone else

Complaint:
This account does not belong to me, I was incarcerated for some time and just was released on XX/XX/2019, and I'm demanding that this account ( XXXX XXXX {$520.00} ) and all and any accounts associated with it be blocked from my report.

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 2019-05-20
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: Information belongs to someone else

Complaint:
This account does not belong to me, I was incarcerated for some time and just was released on XX/XX/2019, and I'm demanding that this account ( XXXX XXXX {$520.00} ) and all and any accounts associated with it be blocked from my report.

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 2021-11-30
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 - receive Escrow review indicating monthly payment will increase {$600.00}. BSI used incorrect property tax figure. 
XX/XX/2021 - BSI tax department obtains correct property tax amount and acknowledges to us it has done so. Promises to recalculate monthly payment based on correct amount. 
XX/XX/2021 - date by which BSI promised to provide a revised ( lower ) monthly payment would reflect correct property tax amount. 
XX/XX/2021 - most recent call to BSI, resulting in third message on voice mail of escrow department, with no return call

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2016, I purchased a vehicle from XXXX XXXX in XXXX, Maryland. At the time, I went to purchase the vehicle I was ordered to sign a stack of papers, included in the papers was a warranty for the vehicle. Although, I found it strange that I was asked to sign documents for a warranty considering the car was brand new. I asked for copies of the documents I signed and was told that I would receive them the following day, when I picked up the vehicle. The following day, I received no paperwork. A few days after that I received a certified letter in the mail from the warranty company stating they were refunding the money for the warranty because the warranty was unnecessary. At that point, I begin asking for paperwork regarding my loan. It was only at a later time did I receive the loan paperwork in which stated the car I purchased was a used car. However, the vehicle was not a used car, it was a brand new car. I was the only Owner and it was fresh off of the lot. 
The monies refunded from the warranty company was put on the back of the loan. Although, it was incorporated in the sales price of the vehicle. The paperwork presented to me was for a new vehicle. When I finally received a copy of the paperwork, the paperwork eluded to the car being a used car. The car was not used. The loan is fraudulent. In addition, to that the bank has been utilizing ill business practices. I have tried to contact my lawyers but they have refused to take my case based upon certain factors.

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 2018-09-07
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted, interrogated and harrassed daily and numerous times a day and by a collection agency, XXXX XXXX located at XXXX XXXX XXXX, XXXX, NJ The phone numbers they are calling from is XXXX, XXXX, XXXX amongst others I can not retrieve The debt they claim I owe is for XXXX XXXX for a balance of mileage on a previous lease. I have never received a letter from this company however I do acknowledge the debt. I offered to pay {$50.00} per month and a man named XXXX refused to accept. He has repeatedly called my phone, my daughters ( who was a cosigner at the time ) and her husbands phone as well every day, several times per day. 
I am dealing with my sick husband at this time and can not deal with this harassment any further therefore would like to file a compliant. I have no problem trying to resolve this debt but will not tolerate the abuse and poor way I have been treated

Company response to consumer: Closed with explanation