BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-06
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:
I have an alias of XXXX XXXX that is fraudulent. Someone applied for a card w all my information but that XXXX last name. Now it appears as an alias. I want it removed.

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 2018-08-06
Company: Bread Financial Holdings, Inc.
State: TN
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 balance transfer

Complaint:
I decided to take advantage of a balance transfer promotion XXXX  XXXX  was offering for their XXXX Master  Card customers and transferred {$3000.00} to XXXX from XXXX XXXX ( XXXX XXXX  Master Card ). XX/XX/2018 is the day it posted to XXXX. 

I called one week after the transfer to see when XXXX would receive the payment. A XXXX   representative told me it could take up to 30 days for the check to be mailed, received and posted to my XXXX account. 

30 days passed and XXXX still had not received the check. This was verified through a 3-way phone conversation that I had with a representative from both credit card companies. I now had a balance of {$3000.00} on two different credit cards and began to incur interest charges on the XXXX account so I filed a dispute at the end of XX/XX/2018. 

On XX/XX/2018, I received a letter from XXXX stating their records show the amount of {$3000.00} was transferred and paid to XXXX on XX/XX/2018 and included a copy of the check. I contacted XXXX to see if they received the check and they still had no record of it. I conducted another 3-way phone call with the two companies, which unconvered that the check mailed to the wrong address ( PO Box , city and state were all incorrect ), it was missing numbers from my account number and it didn't appear to be endorsed. Furthermore, the check was dated XX/XX/2018 and it said " void after 30 days ''. Therefore, even if they did receive the check in XXXX they would not be able to cash it. 

A second dispute was filed with XXXX  on XX/XX/2018. I called on XX/XX/XXXX for an update only to learn that there was no record of me filing the 2nd dispute. So, I filed it again on the XXXX. It was at this time that I ended up paying XXXX {$3000.00} so I would stop incurring interest charges. They had already waived one interest charge for the troubles I was having. 

I emailed XXXX on XX/XX/XXXX through their online message center asking for an update on the 2nd dispute. The response was that they were sending me a letter of their findings, with a copy of the check sent to XXXX, and it could take 7-10 days. I was also told that I would not be responsible for paying the amount in question until the dispute was resolved. 

I received the letter on XX/XX/2018. The second letter said the same as the first letter and included the same image of the check dated XX/XX/XXXX. NOTHING had changed. A new check was not sent to the right address and thus the cycle continues. 

I received a message from XXXX  on XX/XX/XXXX ( TODAY ) saying that I would indeed be responsible for paying the minimum amount due so as to not receive a late charge. The due date is today so I called, made the minimum payment and then cancelled the card. Now I need your help investigating the issue to get to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Have a 30 day past due amount which is restricting my credit. sent in a debut was suppose to resolve last month but still is active. 

Wells Fargo XX/XX/2015 scheduled payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26
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:
creditor : XXXX XXXX XXXX XXXX Balance:XXXX account : XXXX creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance:XXXX ACCOUNT : XXXX creditor : XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX XXXX Balance:XXXX   account:XXXX THESE ARE MY SONS ACCOUNTS AND THEY PUT THEM ON MY CREDIT! PLEASE REMOVE THESE ITEMS!

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 2018-11-26
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:
creditor : XXXX XXXX XXXX XXXX Balance:XXXX account : XXXX creditor : XXXX XXXX XXXX XXXX XXXX   Balance:XXXX ACCOUNT : XXXX creditor : XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX XXXX Balance:XXXX   account:XXXX THESE ARE MY SONS ACCOUNTS AND THEY PUT THEM ON MY CREDIT! PLEASE REMOVE THESE ITEMS!

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 2020-10-14
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Has Discover changed their payment policy since 2017? Are there now holds on payments to prevent thieves from making multiple payments in short period to exceed credit limit? This protects card holders as well as card companies. Discover allowed multiple payments in a very short time by thief who then exceeded credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I completed a Chapter XXXX which did not include my mortgage. Ive paid directly myself. Im still paying my mortgage payments and my account is open and active but they are reporting it as discharged in Chapter XXXX. Ive requested multiple times to correct it and went through credit agencies as well. It is impacting my credit in a negative way. I need them to update the account to show that it is open and active as I have been paying it every month including the 5 years that I was in Chapter XXXX bankruptcy. This account was not paid through the bankruptcy it was a self pay 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 2019-09-06
Company: Tower Loan of Mississippi, Inc.
State: LA
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:
An account was opened in XXXX but ibhavw inquiries from this company every year I didn't apply for they also sent you a statement sayin the same I didn't appky for crwsit in XXXX or XXXX or XXXX Why do I have inquiries from your company please

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 2019-09-06
Company: EQUIFAX, INC.
State: FL
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:
There is an account reporting on my credit file with XXXX XXXX XXXX it's showing a partial account number of XXXX. The account was paid in full but for some reason it's reporting as a repossession. I don't dispute the fact that the payments were delinquent but the car was turned in after the lease was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: CNG HOLDINGS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint previously filed 2 times with CFPB and Company continues to put collection status on my credit report for fraudulent debt claim. Latest XX/XX/2019 per the XXXX XXXX credit report dated XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX  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 2020-08-22
Company: JPMORGAN CHASE & CO.
State: NY
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:
Credit card account was closed without notice, or legitimate reason. Chase not providing a reason for account closure, nor the opportunity to reinstate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: WELLS FARGO & COMPANY
State: AP
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I I received a hard copy letter in the mail in XXXX of 2019 asking if I had received a check for the interest that I was over charged. I immediately called the number and explained that i had not recieved any check. Their representative told me that they would cancel that check number and reissue another check. I called for a TOTAL of three additional times after waiting for about 3-4 weeks and then asked to speak to a manager of one of the phone representatives.. I talked to a XXXX XXXX XXXX and explained my situation. I told him that I found it very difficult to understand that a XXXX dollar company could not sending a tracking receipt on the envelope. He told me that he was going to look into it as well. I then CALLED him from XXXX and he reassured me it was going to be done.I emailed him AGAIN last week and I haven't heard anything. I would say this would be acceptable if Covid was a factor with these delays. However, this started in XXXX of 2019. IF I was late on their loan payments that would be affecting my credit rating. how is this acceptable?? How can this company get away with this deplorable customer service. Nobody has been in contact with me with even a simple email in the last three weeks.

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 2019-09-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
TD Bank charged me 5 separate overdraft fees on XX/XX/19. Those transactions on XX/XX/19 were not authorized to begin with. The money was put back into the account the next day XX/XX/19, but TD bank wiped me out with a {$170.00} fee. Because of this i was unable to keep my online business open, and i was not able to visit with my children. I called the bank and disputed the original transactions and begged them to return the {$170.00} they have stolen from me. I will no longer be their customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a new checking account with Wells Fargo based on a promotional offer I read on a blog called XXXX XXXX. In essence for new customers such as myself, if we direct deposited a total of {$1000.00} within 90 days of opening the account we would be given a bonus of {$200.00}. The blog stated that the bonus would be credited within 30 days of completing the requirements. I have enclosed correspondence with the blog author. From my own experience, once the required deposits are made, most banks credit the account within days. The checking account was opened on XXXX XXXX, XXXX and the total of {$1000.00} in direct deposits was reached on XXXX XXXX, XXXX, so I assumed that I would receive the bonus today, XXXX XXXX, XXXX. I spoke to Wells via phone since there is no way to access customer service except by phone which leads to many problems since the customer service people can not answer questions accurately as is the case here. The first rep named XXXX confirmed that I had fulfilled the requirements of the offer. In fact, to date, I have direct deposited over {$1500.00} to my Wells checking account. She insisted I must wait more time and so I asked to speak to a supervisor whose name was XXXX and she told me that once the promotion ends namely XXXX XXXX, XXXX, I would have to wait XXXX more days or until XX/XX/XXXX to get the bonus. Since Wells frequently extends this and other promotions that made no sense.

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 2018-12-18
Company: U.S. BANCORP
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I made a XXXX XXXX XXXX XXXX Credit Card Payment in the amount of {$300.00} at XXXX XXXX XXXX # XXXX Operator ID : XXXX. The amount I paid for the XXXX XXXX was {$8.00} for next business day payment. XXXX XXXX was suppose the get the funds next business day. On XX/XX/XXXX I received another credit card statement stating that I made the payment late and that I'm being assessed a late payment fee of {$27.00} and interest of {$5.00}. I called XXXX XXXX on XX/XX/XXXX talked with XXXX Operator ID XXXX @ XXXX and he stated that the funds sent out XXXX on XXXX XXXX XXXX did not accept the payment until XXXX and posted the funds on the account XX/XX/XXXX, therefor causing my final credit card payment late. XXXX refuses to reverse the late payments and I have evidence that the dates don't coincide to when that payment was made. XXXX XXXX is aware as so as 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 2019-09-06
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I completed a Chapter XXXX which did not include my mortgage. Ive paid directly myself. Im still paying my mortgage payments and my account is open and active but they are reporting it as discharged in Chapter XXXX. Ive requested multiple times to correct it and went through credit agencies as well. It is impacting my credit in a negative way. I need them to update the account to show that it is open and active as I have been paying it every month including the 5 years that I was in Chapter XXXX bankruptcy. This account was not paid through the bankruptcy it was a self pay 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 2019-09-06
Company: CL Holdings LLC
State: MA
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 disputed this XXXX account on my credit report with the original creditor and they told me that the account was sold to a company called Jefferson capital systems LLC, and that they were not the ones reporting anything on the account to the credit bureaus. I contacted Jefferson Capital systems LLC and I was told that the account was placed with them but that they werent the ones reporting anything to the credit bureaus either, so I have no idea what is going on, I would like to get this account deleted since any of the two companies arent responsible for reporting it, I received a letter by mail from Jefferson capital systems LLC saying that they are not reporting anything to the credit bureaus and to contact XXXX. I also dont understand why, I called XXXX and they always tell me that Jefferson capital LLC, purchased the debt, then if the debt was purchased by them, they should be able to delete it or at least validated and provide me with the original contract bearing my signature or if there is a contract between me and this company I would like to see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EOS Holdings, Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX, XXXX. File XXXX Account Information : Account name : XXXX COLLECTIONS Account number : XXXX Original creditor : XXXX XXXX XXXX IN CO. 
Date opened : XX/XX/2021. 
Payment status : Paid. 

Hello my name is XXXX, XXXX was a collection from XXXX reported to my credit that I was unaware of. It is for an XXXX auto insurance policy I terminated in XXXX. Allegedly there was some unpaid balance on the account which I never received communication regarding. 

I believe this is because the policy is to an address I do not currently reside at and is also not listed on my credit file ( XXXX XXXX XXXX XXXX ), even though they had my new address. I proceeded to call XXXX XXXX insurance who admitted this mistake. I then got notice form XXXX insurance by email from XXXX XXXX XXXX stating if I pays, theyll instruct Credit Collection to remove the account from the credit report, since I was billed incorrectly. 

I then paid the account off and then after I called both XXXX and the collection company, I was told that they will not remove the account from the credit report. 

( SEE ATTACHED EMAIL CHAIN WHICH PROVES I WAS TOLD ACCOUNT WILL BE DELETED IF I PAID )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I reached out to the company on multiple attempts starting on XX/XX/XXXX about incorrect reporting of inaccurate inquiries on my credit report as well as accounts listed that were not verified as belonging to me. The company received my information on XX/XX/XXXX and it is now XX/XX/XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.

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 2020-10-14
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called them telling them that I had been trying to get debt validation and they sent over printouts from when I attended the school the debt came from. I called them telling them that this does not show me how the amount is what it is. She said well thats all the University sent over. I said well you need to take it off my credit report if you are not going to send sufficient paperwork showing how this amount is owed because printouts of the work I did in the classes is not sufficient. She started yelling at me and cursing saying well the debt has been validated we aren't taking XXXX off your XXXX report then hung up the phone in my face. 
Ive been asking for this info for months and they only provided printouts of the work I submitted while I was at XXXX University but nothing validating debt. I do not owe any money to this school.

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