BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX and Experian refuse to place fraud alerts on my credit bureau accounts and freeze all inquirees and attempts to gain credit. I had alerts on all 3 to freeze my reports and apparently someone figured out a way to ignore that. 

Today I received word that there have been fraudulent attempts to apply for credit in my name at both XXXX and Experian. 

I received notices from both XXXX XXXX and https : //opm.gov/cybersecurity that my identity was being compromised. I called one of the banks listed on the XXXX and found it was XXXX. I talked to XXXX in the XXXX fraud department reference number XXXX. They had a hard inquiry that someone attempted in my name. They deleted the record and reported the fraud to XXXX They said they would send me a letter and that I should hear from XXXX in 30 to 60 days. XXXX refuses to take my calls and refuses to authenticate me online! 

Today XXXX notified me of 2 fraud attempts to gain credit on Experian. Same problem contacting them. info below : -- -- -- - XXXX obtained a copy of your EXPERIAN Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source EXPERIAN Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Company XXXX Not sure what this is? Contact XXXX -- -- -- -- -- - XXXX obtained a copy of your EXPERIAN Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source EXPERIAN Phone BYMAILONLY Address XXXX XXXX XXXX XXXX, OH XXXX Company XXXX Not sure what this is? Contact XXXX Please make all three credit bureaus ock my reports for 7 years! OPM notified me over a year ago that they had compromised military and civilian data to include mine. Clearly I am now a Identity Theft Victim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the agency several time about the bankruptcy report they have not contacted or complied.. This is not my file

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 2021-09-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased a townhome in XXXX, everything was find until I lost my job. My mortgage company was Wells Fargo. I contacted them to let them know my situation. I wanted to refinance so my payments would be lower. Instead Wells Fargo went up my mortgage. It went from {$1000.00} to {$1200.00}. I asked them how was I going to pay that when I was having trouble paying the {$1000.00}. I was trying to get it lower. They told me if I could not make the payment they were going to foreclose. I cried for days, til my family told me I had to move before Wells Fargo kick me out and take all of my things. I endedup moving in with my family in XXXX. My home went into foreclosure. I was deverstated. I was depressed all the time. I ended up drinking a lot. I finally moved out my family home into an apartment I truly hate. I'm paying {$1000.00} for this apartment, and its not worth it. It's very small, and it has roaches. The apartment people charges us each month for an exterminator, but he only comes once a year. I want to move, but Im stuck here because of my credit. Having a foreclosure on record doesn ' help either. I wish Wells Fargo would have worked with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
CITI bank closes my credit card account and suspended all of my cash back rewards in the account. CITI bank never tells me the reason for closing my account and refuses to send my cash back rewards. I have about 700 US dollar cash rewards in my account.

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 2017-11-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I received my Wells Fargo Class action settlement claimant number. 
On XX/XX/XXXX, I was notified I could then file my claim online via their website www.wfsettlement.com using the code I had received previously. When I visited their site and entered my claimant number and ( email address or/and last 4 of SS # ), and Captcha, the site either rejected my request either because of the captcha or because of the information entered. This rejection alternated rather randomly, despite the same information being entered ( only the captcha changed ).  It really seems like their site does not work for claiming the settlement money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Case number XXXX Bank Of America NA In XX/XX/XXXX I received a XXXX XXXX gift card for enrolling and meeting certain requirements for a Bank Of America credit card sponsored by the XXXX XXXX XXXX. In XX/XX/XXXX I tried to use the card and was told by XXXX that the card was never valid. I then contacted Bank of America who insisted the only way to get a new card was to mail them the old card first. I explained to them I could do this but then would have no proof that I owned the card. Instead I suggested that they take the serial number of the card and check it for themselves, they refused. I than suggested they email me or send a letter giving me directions as to an address. They would only give me an address over the phone. I than agreed to send the card but only by registered mail which I expected them to pay for. They refused. I then contacted the XXXX, they were able to contact BOA and arrange a new card sent. They were given an address to give to me to send the old card back after I received a new one. While I did get my card it was not without many phone calls various agents and managers and what bothers me most is I do not have one shred of documentation that this activity took place. If I died tomorrow the entire episode would die with me. Worst of all it seemed like the Bank felt they could do and say what they wanted. Thanks

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 2019-04-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent investigation requests in to the credit bureaus back on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.

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 2020-11-04
Company: BlueChip Financial
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Due to loss of hours due to COVID, I applied for a loan from SpotLoan, they promised that if you applied by XXXX XXXX. you would have the loan by XXXX XXXX., if after XXXX XXXX  you would have the loan the next day. That was Monday, XX/XX/2020. On Weds. morning XX/XX/2020 the money had not been deposited and I started accumulating NSF fees for the bills not paid that I applied for the money for. I called the support line, but it was not open, so I email support and told them that either a ) I needed to add more money due to NSF fees, or b ) I needed to cancel the loan. You have 3 business days to cancel the load according to their policies. The NSF fees caused my account to go into overdraft. I checked at XXXX XXXX. and SpotLoan HAD deposited the money before contacting me as requested. So now, even though they state you can cancel within 3 days, I don't have the money in my account to return it to them due to them not upholding their promise to have the money deposited the next day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
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: Their investigation did not fix an error on your report

Complaint:
I sent all three credit bureaus verification request. Request came back verified. I'm not sure how. I contacted portfolio recovery requesting debt validation. They failed to properly validate and did not sent back the 5 items listed in my letter. Instead they began to send me collection notices. I sent notice to the credit bureaus but still they keep reporting this debt collection on my report. I sent a 3rd request to XXXX XXXX to validated the debt as the credit bureau, XXXX specifically, advised me that portfolio recovery had to send me what they used to validated the debt. Again they did not send all items listed including a contract. I even contacted capital one the company they are collecting for they were not able to locate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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 status incorrect

Complaint:
XXXX XXXX XXXX credit card is not my account. I'm an authorized user and I'm not responsible for the bills

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 2018-03-22
Company: Viking Client Services
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The scam Viking Client Services repeatedly calls my cell phone, my office phone, and even friends of mine - which I can only assume they got all these numbers by hacking my cellphone Contacts list. I double checked my credit reports to find, as expected, nothing mentioning Viking Client Services or collection accounts. It is not only a scam, but also an infuriating one since they are smearing my name to random friends. I've googled them and loads of other people have complained about their scam demanding money. They falsify their identity as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Ditech Financial LLC
State: MS
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:
Over the last 4 months our electronic auto draft for our VA home loan was canceled. This put us behind two months, we did not find this information out until we received a paper letter at a family members home ( XX/XX/2019 ). The amount was drafted every month, there was no change in banking information or accounts. Upon our payment we were hit very hard on our credit score. We tried to talk to the company about the reporting after the completion of the payment in full. Is there any way to assist or can anything be done about the reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Experian Information Solutions Inc.
State: WA
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:
Tried to apply for credit and was turned down. That's how I found that there was a 2nd Bankruptcy reporting under my ss #. I requested with all 3 major credit reporting agencies by letter on XX/XX/XXXX to remove this incorrect information also providing proof of the error. As of today I haven't heard from XXXX XXXX, XXXX or Experian. However XXXX received the same request as proof of their company error and sent a letter stating they did an investigation and found it to be correct. As you will see from all the paper work attached that I provided clearly states that it is not his bankruptcy. I called and spoke with rep from XXXX who really could have cared less on XX/XX/XXXX and as of today still haven't heard 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 non-monetary relief
Consumer complaint received 2018-03-22
Company: EQUIFAX, INC.
State: WA
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:
Tried to apply for credit and was turned down. That's how I found that there was a 2nd Bankruptcy reporting under my ss #. I requested with all 3 major credit reporting agencies by letter on XX/XX/XXXX to remove this incorrect information also providing proof of the error. As of today I haven't heard from XXXX XXXX, Equifax or XXXX. However XXXX received the same request as proof of their company error and sent a letter stating they did an investigation and found it to be correct. As you will see from all the paper work attached that I provided clearly states that it is not his bankruptcy. I called and spoke with rep from XXXX who really could have cared less on XX/XX/XXXX and as of today still haven't heard back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I made my first couple payments with my savings account. They were accepted with no problem. 

When I tried to make my next payment it said accepted. Then it was returned. So I tried again and it was returned again. This brought my XXXX credit limit over by XXXX. 

I called to make sure my account would not be closed due to the overlimit and returned fee and I was reassured everything was fine. 

A day later my account was closed due to returned payments. I do not feel this was fair. I made all my payments on time and was never told I could not use my savings account. I would like my account reinstated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I got a new credit card from Chase with Marriott XXXX XXXX that promised XXXX points if {$5000.00} were placed on the card within the first 3 months. Due to COVID-19, and having to cancel all my trips and plane tickets, I called Chase company and the customer service person said that I was a couple of hundred $ 's short, but not to worry since Chase has extended the period by another 3 months to meet the {$5000.00} limit. I am sure they recorded this call.

So, I did that. In fact I put {$10000.00} in purchases in the card. I called them today to ask why there are no points added to the card yet after so many months, and they said they applied for the extension, but it was rejected. So no points and there is no chance of ever getting those points. 
What?? On the phone they said everyone gets the extension, there was no talk about waiting for approval. I feel cheated. If I knew I would have thrown this card in a drawer and use my other ones. Any advice what to do next? The person on the phone said there is no one else she can transfer me to to complain. It is a done deal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is currently an auto account listed on my credit report that I have no knowledge of. This was a result of an error or malpractice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Both of my parents XXXX in 2017. They are the mortgage holders on the property at XXXX XXXX XXXX XXXX, WI XXXX. Mr. Cooper is the mortgage holder on my dads property. I have sent in the necessary documents and mads many attempts to talk to a supervisor n the account. They keep saying that didn't get my email when it shows that it was received. They keep sending my payments back to me. Mr. Cooper has started the foreclosure process on the house. I keep getting different answers from different representatives. I am currently in probate court. There is no state law or statue that states you have to a become " successor of interest '' through the court system. Mr. Cooper is requesting court documents that show I am the successor of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am not able to give the actual lease payments because I can no longer access the site. I was laid off in XXXX  2020. Like everyone else waited for my unemployment. I made arrangements with them to extend payments on a lease I've been paying on for 2 years already {$380.00} for a Honda Civic. Entirely too much, but as a single parent of 3 I had no choice. I explained to them my situation when they called last week that I have gained employment and would be able to resume monthly payments by XX/XX/XXXX ( first paycheck ). She wanted {$600.00} something that day, I didn't have it of course because I hadn't still received my unemployment. I told her I would get a letter from them, which I had to email at least 20 people just to get a response. I finally did after almost 6 months of NOTHING. All I knew about my claim was there was a hold up, and I was able to claim every week. Nothing in the mail, no contact, no office hrs.Nothing. I let her know I would get something from them that shows they haven't paid out yet, and I would get backpay for all the months I was waiting for. It's not like I didn't have a job, I did ; I am just waiting for XXXX, XXXX start date. ( Have my offer letter ). I was able to get the letter from the Virginia Employment Commission Friday which was the day following the conversation. However, they repossessed the car that night. It's not so much that the car was repossessed as I understand business. But, the fact that it's COVID, and I had proof that I could solve the issue very soon. They said it could be resolved by XX/XX/XXXX, so I thought I had time. Three days later I received my full backpay. I called them to get the car back and they said I had to pay it in full or get another loan and it was going to auction. She mentioned I had filed bankruptcy which I never said that. I believe was the reason they immediately picked up the car. I asked for a Supervisor, got the run around. Today XXXX, XXXX XXXX the Supervisor in Recovery call me to tell me I had to either get a loan or pay $ XXXX off. I don't have that amount, nor do I have the credit to go get another loan. I can't afford this on my credit because I have a job at a financial institution and I could lose my job. I just wanted to finish my lease. If they keep the car and auction it, I just don't believe I should be punished any further that I have already. I don't want it to impact my credit. I am so distraught already over the loss of income for so long, which has affected me both mentally and physically. Causing XXXX XXXX ( now XXXX XXXX ). I am stressed beyond measure and can't afford to lose my new job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates, LLC ( XXXX XXXX XXXX, XXXX, VA XXXX ) is attempting to collect a debt ( {$1300.00} ) that is allegedly past due since XX/XX/XXXX. The account was allegedly opened since XX/XX/XXXX, which is not true. They claim to have bought the debt from XXXX, XXXX, ( XX/XX/XXXX ) and are attempting to collect on a debt that is over 10 years old. This is illegal in CA and they still report this to the credit bureaus. XXXX has been ignoring my request to remove this old debt that is past the statute of limitations in CA. Portfolio Associates can not provide adequate evidence that this debt bought from XXXX is not older than 7 years. XXXX does not report this collections mark on my credit profile, while XXXX and XXXX does.

Company response to consumer: Closed with explanation