BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
I hope all is well.. 

I would like to state thank you very much for giving me a credit card with your company for all these years. Its very much appreciated. The first time in all the years I have had my credit card during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and my newborn and son are in daycare while I work or my mothers watches them. Im about to pay the card completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the credit card. Please take all the late fees off. I will be paying the credit card off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

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 monetary relief
Consumer complaint received 2019-09-11
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:
We held a credit card account with XXXX XXXX XXXX ( XXXX Visa ) going back to XXXX. We moved to XXXX in XXXX, but kept our US bank accounts active and had this credit card on automatic payments monthly. At some point, XXXX XXXX XXXX  sold these accounts to XXXX XXXX and our automatic payments became null and void. We were unaware of this change for a number of months due to the delay in getting correspondence to us in XXXX. We were finally made aware when a collections agency contacted us with regards to our account. At this point, we made a payment arrangement with the collections agency and paid the full balance owing on the card. 

Our credit report shows FAR more late payments than was actually the case, firstly. Secondly, the account has been paid in full. Thirdly, when I tried to resolve the matter with XXXX XXXX XXXX, they can not even locate our account in their archives or anywhere to corroborate our account details. We shouldnt be penalized when XXXX XXXX XXXX can not corroborate our late payments or whether or not the account was paid in full. We have all of our documentation still on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I received a payoff bill for XXXX that had to be paid in full before XX/XX/2020. The full amount was paid before that date. I receive another bill stating additional XXXX was due with late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a checking account with wells fargo. I had someone steal my debit card so I submitted several disputes. Wells fargo approved two of the disputes no problem and issued credits, but denied the other fraud disputes due to the fact that they " came to the conclusion there was no error in the transactions '', however the disputes were all for the same transaction from the same vendor. They approved two of the disputes for smaller dollar amounts the larger disputes they rejected. Now I got a letter stating they will be closing my account on XX/XX/XXXX, I want my money back for the other fraudulent transactions. Below is a list of the disputes, and the results. 

All of these transactions were made at a casino ; I did not authorize these transactions I Want my money back, please help. Wells fargo to date closed in total {$7300.00} XX/XX/XXXX - {$280.00} - closed no credits issued XX/XX/XXXX - {$1300.00} - closed no credits issued XX/XX/XXXX - {$1000.00} - credits were issued same merchant reported same date? 
XX/XX/XXXX - {$500.00} - credits were issued same merchant same date reported? 
XX/XX/XXXX - {$1000.00} - closed no credits issued XX/XX/XXXX - {$3600.00} - closed no credits issued, asked for an explanation none was given. 
XX/XX/XXXX - {$970.00} - closed credits reversed In addition I wells fargo reversed {$870.00} in credits with no explanation please help. In total I am still waiting on over {$8000.00} in credits that they failed to issue nor provide an explanation.

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 2019-01-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage became delinquent starting XX/XX/XXXX. I applied for mortgage assistance from the servicer, Carrington Mortgage, LLC. On XX/XX/XXXX, I was informed by Carrington that a XXXX XXXX XXXX was the investor on my loan. Then, on XX/XX/XXXX, I was consequently informed that the investor of my loan was XXXX XXXX XXXX and that my request for assistance was denied due to 'investor/insurer targets ''. It is unclear as to whom exactly my " investor '' is. 
Because of this, I am forced to look for legal representation to file a civil complaint against Carrington Mortgage for negligent misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Resurgent Capital Services L.P.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had fraud activity on my credit card, it was resolved. I paid the balance and closed the account. In 2018. For some reason, I have one account showing open on my credit report yet, not past due no activity at all since 2018. Then I don't know if there's one, two, or three different places trying to collect on an account that appears to have been opened after I closed the one with fraud. I have LVNV Funding, Resurgent Capital Services, and XXXX   XXXX  all sending me emails and letters. This is the biggest scam I've ever seen, and I've emailed XXXX  XXXX  my dispute information showing my credit report and they said collection efforts will stop, and then I get a letter in the mail, so obviously that's a lie. XXXX XXXX XXXX  credit card was the biggest mistake of a card to ever have. I can't get rid of the after math of them and I owe them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have contacted ChexSystems on a number of different occasions about the inaccuracy of an account that they are reposting in my credit file ( XXXX XXXX ). They have done nothing to try and help me resolve this issue except tell me to reach out to the back in which I did and spoke with a rep name XXXX who had no idea what account I was speaking of and said that he is unable to help me but he would forward my complaint over to his chairman. I am very frustrated with this issue as it has stopped me from being able to open a bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I never went or got a loan for a car.

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 2018-06-18
Company: United PanAm Financial Corp.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Charged off as bad debt Profit and loss write-off Car was paid off in full yet on my credit report it is still showing a balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following credit hard inquiries on my Trans Union credit report is fraudulent, unauthorized, not mine and dont belong to me : XXXX, XX/XX/XXXXand 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 2019-08-30
Company: LEXISNEXIS
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:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my DL for proof of ID Please update my address to XXXX XXXX XXXX, XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: STERLING JEWELERS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX my credit was good, with 20+ thousand dollars I was struggling but making timely payments for a long time. Then I get this letter from XXXX   XXXX XXXX, I called their number, they tell me that they can slash the Debt in half, that they know the credit language and they they know how to talk to my creditors, they I should not fear anymore, that my credit would drop a little but that it would go back up in six months. I couldnt believe it! But what really happened was that they let all my accounts default and eventually making me lose all of my accounts that were in good standing since the beginning, they scammed me, they didnt tell me the truth. Later I was filled with collections all over the place, they advised not to talk to my creditors, after a year and a half I saw they were not getting anywhere with my debts I started making settlements with my debtors myself. At the same time I was paying XXXX XXXX XXXX to pay the people they had already settled with, at the last I was Almost finishing an account to finally graduate from the program. It was a Sterling Inc. account number : XXXX, XXXX made an agreement with the collection company by the name XXXX XXXX. The agreement was payments totaling {$1500.00}. Just as I was about to make a final payments in XXXX they drop me out of the program, I called XXXX XXXX, they tell me they have no jurisdiction over the account anymore, they gave me a number to a company by the name XXXX, I get in contact with XXXX and they tell me that the payment bounced, that thats why. But that was inconsistent because my account had sufficient funds ( {$510.00} ) they had taken the payment and put back into my account to default the settlement, they balance was {$2400.00}, when they returned the money it went back to {$2500.00}. Incidentally that was the same company that sent me letters claiming that I owe them money in the middle of XX/XX/XXXX, I found the letter suspicious, in the letter I had to dispute the Debt, I looked online how to do it and sent them a dispute letter in XX/XX/XXXX, theyve been selling this account all over the place to make me pay it, and Ive paid more than enough with all their tricks.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
On my correspondence to the credit bureaus last XX/XX/XXXX, I disputed how this account is still reporting despite the following : - Collecting and pursuing collection on an account that is way passed the statute of limitation. - Collecting and reporting an account that has been sold several times to different companies. ; - Collecting debt on an account that they dont have lien which I believed made this invalid.- Collecting debt on an account that they dont have lien which I believed made this invalid. ; - From the original Lender to the succeeding companies who acquired and transferred/sold the account I NEVER receive any notification that there has been any sale or transfer from one company/lender to another. I never received anything back from this company nor from any of the credit bureaus. I only received a response from XXXX that the item has been removed but, this invalid item is still reporting to Equifax and XXXX. XXXX ref # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: LendingUSA
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/17 I contracted with XXXX XXXX at XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX Phone # ( XXXX ) XXXX to help with filing my back tax returns. The IRS had already begun to levy my Social Security income for an inflated amount taxes, fees, and penalties. I contracted with XXXX to 1 ) stop the levying of my SS Income. 2 ) File back taxes for six years to correct the amount I owed to the IRS. 3 ) Negotiate a repayment plan with the IRS. Total contracted price to cover their work was established at {$3900.00}. XXXX acquired financing for me through USA Lending ( also known as XXXX XXXX XXXX ). XXXX negotiated a settlement with the IRS and stopped the levying of my SS income after about 3 months. XXXX never filed any back tax returns for me or negotiated a correction in the amount I owed the IRS. I received a letter stating they were then closing my file. I felt they had over charged me for what work they actually done on my behalf. I negotiated with them. XXXX issued a {$2400.00} refund payment to my LendingUSA account. All was then good with XXXX. $ XXXX-XXXX= a {$1400.00} loan amount. 

Lending USA had charged me an application fee upfront of 5 % on the full {$3900.00} but refused to give me credit for the total loan reduction. LendingUSA just subtracted the {$2400.00} from the total balance owed and continued to charge me interest on that unpaid balance. I feel I was overcharged on the initial loan application fee, as well as interest on an incorrect total loan amount. When I tried to negotiate with LendingUSA, they charged off the account and sold it to another lender, XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX are both reporting unpaid accounts to the credit bureaus. They both refuse to correct my original loan amount and unpaid balance owed. Their actions are also hurting my credit rating. Please help me with these abusive lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received an unsolicited debit Visa card from U.S. Bank ReliaCard. Until this showed up in my mailbox, I had never heard of this bank or this type of card. Upon receipt, I tried to contact the bank using the phone number on the literature. To possibly talk to someone, one has to provide too much personal info - DOB, social security number and the CC number. Since I do not know this business, I definitely would not give them my SSN. After XXXX this card, I learned it is a possible scam directed at retirees ( which I am ). One additional detail that made me concerned, was the incorrect middle initial on the card. I would like to make sure that my information is not being used illegally. Fortunately, I had placed a freeze on my credit through XXXX  with the 3 credit reporting companies. I checked my status and found no new activity, which reduces my stress somewhat. 

If this is a known scam using the ReliaCard which is a real card, why are we, the public not being informed? Hopefully, some government agency is looking into this.

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 2019-09-11
Company: Experian Information Solutions Inc.
State: TX
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:
Someone used and stole my information and opened a mortgage in my name. I am not currently a homeowner and I have never beeen one. I wasn't told the name of the company. I do not know how this is possible.

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 2020-02-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My bankruptcy is 10 years old.I disputed to have removed from XXXX.They say they removed it but it still shows on credit 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 non-monetary relief
Consumer complaint received 2019-09-11
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed fraudulent charges on my XXXX XXXX XXXX card in XXXX or XXXX of XXXX XXXX XXXX XXXX   stated that the charges were correct and were charged overseas and I had to pay them. Despite the fact that the charges were not mine, I paid them and I instructed XXXX XXXX XXXX to close my account. 

The account statement issued by XXXX XXXX XXXX for the period from XX/XX/2018 to XX/XX/2018, showed a credit balance on said account of ( $ XXXX ). As of the last day of such reported period, the account was permanently closed, XXXX XXXX XXXX had no right or authorization to accept any charges on my behalf on the account. 

The charges on my card clearly show that they have been made for services in the name of other people that are different from my name. I did not receive any product or service using XXXX XXXX XXXX card. XXXX XXXX XXXX should not have accepted any charges on a closed account. 

XXXX XXXX XXXX sold my account to XXXX XXXX XXXX. I complained to such entity. Thereafter, the account was sold to Sherman Originator III, and then sold to LVNV Funding LLC. Then, it was lastly sold to Resurgent Capital Services. 

I register my complaint against all such entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: U.S. BANCORP
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
COMPANY CALLED XXXX XXXX XXXX XXXX HOLDS MY DEBT FROM ELAN FINANCIAL SERVICES THEY HAVE RECEIVED 6 LETTERS  FROM XXXX OF XXXX TO XXXX OF XXXX TRYING TO SETTLE THIS DEBT!

THE SETTLEMENT OFFER WAS XXXX WHICH I AM STILL WILLING TO AGREE WITH AS LONG AS THEY RESPOND TO ME, ACCEPT THE OFFERING WRITING AS WELL AS PUT IN WRITING THAT ANY AND ALL INFORMATION PERTAINING TO THIS WILL BE REMOVED FROM ALL THREE CREDIT BUREAUS. 
THEY HAVE REPEATEDLY IGNORED 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 2020-07-29
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 recently pulled my credit report and found erroneous, inaccurate, negative, fraudulent, and unverified accounts on my credit report. Because of this its hindering myself from obtaining tradeline in my name. There are several loan accounts with different dollar amounts and information, on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently pulled my credit report and found erroneous, inaccurate, negative, fraudulent, and unverified accounts on my credit report. Because of this its hindering myself from obtaining tradeline in my name. There are several loan accounts with different dollar amounts and information, on my credit 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 2020-07-29
Company: AMERICAN EXPRESS COMPANY
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: Other problem

Complaint:
I have had an American Express ( AMEX ) Platinum Card since XX/XX/XXXX BetweenXX/XX/20-XX/XX/20 over several conversations on a recorder line AMEX repeatedly assured me that if I did the following they would raise my card limit and honor their offer. AMEX stated that if I wanted to raise my monthly card limit I must max out the card to its limit then pay AMEX a large lump sum. However after doing so AMEX actually reduced my limit. Meanwhile because of AMEXs advice my credit score dropped as my debt rose. Now my credit score is lower and AMEX refuses to honor the agreement. When I spoke to AMEX they stated that their formula for credit limitations which is based on several factors to include credit score as well as spending behavior as justification for not keeping their promise. My home re-finance that was to close this week cant be done now.

Company response to consumer: Closed with explanation