BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-06
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/XXXX i called XXXX XXXX to resolve an old debt. The representative there transferred me to a collection department to make a payment. after making the payment, my credit report was suppose to be updated to a paid status, which they did for a few days before switching it back to unpaid. every time i call XXXX XXXX there is always an issue with my information in there system and half of them ca n't get past authentication because personal info is not correct either. I gave them my dob, ssn and address but because my telephone number does n't match i would need to be transferred which would start a transferring nightmare one after the next. Its been four months since XXXX took the payment and they have n't been able to update the credit reporting agencies or the account in their office properly or in a reasonable time frame.

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 2020-04-23
Company: ERC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX I agreed to pay {$180.00} with ERC for a debt. In return ERC agreed that the debt would be satisfied and release all claims. ERC cashed the check but as of XX/XX/2019 the items were still showing negative on my XXXX  and XXXX credit files. I disputed the item and it was removed from XXXX  on XXXX. The negative item was still showing on XXXX  so I called ERC on XXXX the first representative told me it would take 45 days to be removed. I then spoke to a representative on XXXX and was told they can not remove the item. So I started disputing the information with transunion .But XXXX  was still showing the negative item even after I showed proof the cashed check and the item being removed by XXXX  XXXX Since that time Ive sent certified mail to XXXX  to dispute this item but I still have no proof from XXXX  or ERC that the information they have is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See enclosed statement XX/XX/XXXX Adjustment Purchases Temp Credits Confirm beginning of fraud investigations listed XX/XX/XXXX. see attatched XX/XX/XXXX WERIFY USAA CREDIT CARD FRAUD CHARGE If you still believe fradulent No Action needed by you we will pursue this as fraud on your behalf {$49.00} THIS WAS NOT REVERSED AND NEEDS TO BE MADE A PERMANET FRAUD CREDIT The temp one is listed XX/XX/XXXX. See attatched XX/XX/XXXX Letter says same thing Lists transactions {$10.00} XXXX XXXX XXXX XXXX THESE DID NOT REVERSE AND TEMP CREDITS NEED TO BE PERMANET. see attatched XX/XX/XXXX says same thing {$12.00} see attatched XX/XX/XXXX Letter says same thing transaction {$12.00} THESE DID NOT REVERSE. All these temp credits NEED BE MADE PERMANET. 
???? HAS USAA COMPLETED THESE INVESTIGATIONS begun OVER A YEAR AGO?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I contacted Citibank about a charge of {$59.00} from XXXX XXXX XXXX from XX/XX/XXXX. According to Citibank dispute resolution team, I did not answer some questions correctly and the case was closed. In the meantime I had been calling checking the status and different representatives told me that I should be receiving notification by XX/XX/XXXX. I received no letter. I was advised to reopen the case by sending a letter of appeal. I contacted the dispute departments several times and more than one supervisor stated that the letter was in their system and to expect an answer by XX/XX/XXXX. I called today and was informed by a supervisor that the case was closed again. Apparently no letter of explanation went out. She told me that I need to contact the merchant. The merchant was the one who told me to dispute the charge. I need to escalate this complaint because I have an active account since XXXX, paying monthly service fees and deserve better customer service and at least the courtesy of a written notice if my dispute was not approved.

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 2022-04-28
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
According to a rep with XXXX corporate office, XXXX, Wells Fargo sent them instructions to send any remaining funds in accounts to them as part of a fraud claim amount of {$690.00} ... .Remaining funds in XXXX accounts were sent in amount of {$140.00}, however, according to numerous Wells Fargo reps including a XXXX XXXX XXXX Wells Fargo does not accept partial payments including the amount of XXXX Ty advised to have instructions changed with Wells Fargo so payment can be issued to myself, I believe. XXXX can be reached at 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 non-monetary relief
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please remove these accounts i previously disputed and asked for proof of the previously investigation never did I receive anything.

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 2017-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On my XX/XX/XXXX Cabela 's Club XXXX card, I misread the amount due and paid {$1600.00} instead of {$1600.00}. When I received my XX/XX/XXXX statement, I was charged {$1.00} finance charge for the XXXX cents not paid on the XX/XX/XXXX bill. I called Cabela 's Club XXXX at XXXX to complain and was informed they base their finance charges on the average yearly daily balance and not on the actual amount owed and not paid. I was successful in having the {$1.00} removed, but I ca n't imagine it being legal to charge interest on monies you do not owe. When I use this card I always pay in full immediately so this caught me quite by surprise. I ca n't imagine how many persons are being charged this exorbitant amount of interest and do not realize how their interest is being calculated. In my opinion, this is a huge consumer rip off and steps should be taken to ensure fair and reasonable finance charges are in place by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently in mediation with Ocwen on my mortgage. I went to a housing counselor and she helped me submit a request for modification. Ocwen turned me down because they said there were numerous credit inquiries and collections on my credit report. I obtained a copy for myself and the information they said was there is not. The only bad account, other than the mortgage, is a doctor bill. The reason that was not paid by medicare is because the doctor 's office delayed to long to submit the charges. I have one credit card and the payment is listed as never late. I also had a small loan at the bank which was paid off years ago and it states that it was never late. I do n't think they even really considered my application because i received a denial letter one week after they said they had all the information. I am XXXX years old and sometimes i feel like they think I do n't know any better so they can do what ever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: American First Finance, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX the XXXX, 2022, I purchased a king mattress set a dresser, rug, and washer and dryer from XXXX XXXX, XXXX, NC. American First Finance has predatory lending practices. My credit report has a charge of {$11000.00}. There is no way that little bit of stuff cost that much. The store did not explain to me that that if it wasn't paid i would be charged {$12000.00} for that stuff because if they did I would not have purchased it. That is an astronomical amount to take from a XXXX veteran. I called the American Finance Company and discussed it and told them that I will be contacting your organization and they quickly wanted to offer me a settlement. Their phone customer service said I owe {$1700.00} and my credit report says I owe $ XXXXand the website say {$1600.00}. This company is taking advantage of consumers and it is not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-25
Company: Caliber Home Loans, 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:
XXXX report in file had two different names and two different social security numbers.

XXXX report wrong current home loan mortgage address.

XXXX report Real Estate Mortgage account was not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I make my total mortgage payments ( $ XXXX/month ) paying {$320.00} bi-monthly when I get paid. I have been paying my mortgage like this for almost 2 years. Received a letter threatening foreclosure from my mortgage company claiming I am behind in my payments. I can submit proof I have NOT missed ONE payment ever.

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 2022-04-28
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The XXXX credit card financed by synchrony was opened by me XX/XX/XXXX. The account was closed by synchrony in XX/XX/XXXX. I received notice of the closure from a credit monitoring service. I never received notice from the financial company. 

I called synchrony on XX/XX/XXXX. They confirmed that the account was closed with a XXXX balance. When asked why they closed the account it was due to inactivity. When I asked why wasnt I notified of the closure the representative stated that they didnt have a letter for this scenario. 

I was planning on using the account to purchase furniture but hadnt been able to decide on what I wanted and the store near was not taking appointments due to a store remodel. Closing the account without knowledge would mean that I would have to reapply for an account which would adversely impact my credit score.

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 2017-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
cra violation inaccurate information no knowledge of accounts on the breach of XXXX  sent po report 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 2017-07-06
Company: Penn Credit Corporation
State: WA
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:
I had contacted this debt collector 6 months ago, they have a client of the State of Maryland Comptroller that is saying that I had a debt or a return filed back in 2012 with the state of Maryland. I told them that I did not ever live in Maryland and was a victim of fraud. They told me to contact another number and I did all the steps and filed a police report. Everything was suppose to be taken care, but I just received another bill from them and so I called their number and the gal was very rude and kurt with me like this was my bill. I told her that I dealt with this over 6 months ago and did everything with the state like they wanted and it was not my bill and I was a victim of Identity theft. She basically stated that she could not do anything about it and I would have to call the state of maryland and go through all the hoops again and that she couldnt do anything. I HAVE BEEN A VICTIM OF FRAUD AND WANT THIS TAKEN CARE, but no one seems to hear what I am saying. I Have NEVER lived in maryland or worked in maryland

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Express Recovery Services, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: GA
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:
Equifax took more than 30 days to investigation this report, in fact this account is still " under investigation '' 11 months later. Please update this information on my report. 

Documents are attatched.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Resurgent Capital Services L.P.
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Choice Recovery, 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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Net Pay Advance, Inc.
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX, I was approved for a {$200.00} advance. On XX/XX/XXXX, I paid the original {$200.00} plus a {$35.00} fee for a total of {$230.00}. I applied for another loan and found to be qualified for their maximum amount of {$250.00}. Again, I successfully paid that loan along with their fee for a total of {$290.00} this past Friday, XX/XX/XXXX. 

I went back into my account and found that my account was locked. I called the company and was told that because I live in Hawaii, that they could not lend to me as they are not licensed in my state. I explained to them and they could see that I had successful borrowed 2x before, but come to find out that my information that was transferred to them by a 3rd party had my street address correct, but my incorrect zip code, which put in in CA. 

I explained to them that if it was a matter of having a CA address, that I could give them my office address in CA, but was told that I needed proof of residence. I forcefully told them that I didn't need that when they pursued me to use their services and that they knew good and well that I was in Hawaii because they commented on the weather and asked if it was sunny. I said that it was and demanded compensation for the fraudulent act on behalf of their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was contacted by BB & T VIA mail that I had a account balance of {$50.00} in the supposed account. I then went to the Local BB & T Branch where I live in XXXX South Carolina. Upon arrival I inquired about the account and the bank teller said that it was fraudulently opened online and she asked me to provide her with my social security number. She then cross-referenced the information on the computer and realized that the individual that did this had indeed my true social security number and that's how they opened the 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 2020-02-25
Company: WELLS FARGO & 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:
I AM VICTIM OF AN IDENTITY THEFT, AND THE COMPANIES THAT REPORTING ON MY CREDIT REPORT ARE FRAUDULENT. JUST BECAUSE ITS XXXX  AND BIG COMPANIES IT STILL GIVES THEM THEM NO RIGHT TO REPORT FRAUDULENT INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE BEEN REACHING OUT TO THEM FOR MONTHS, I HAVE REACHED OUT TO THE CREDIT CARD COMPANIES AND THEY CANT FIND ME ON YOUR DATABASE, BUT YET THESE 2 ACCOUNTS ARE NOT REMOVED FROM 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 non-monetary relief
Consumer complaint received 2017-09-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I opened a savings account and funded it with {$1000.00}. On XX/XX/XXXX, with no notice my savings account was closed by BMO. A check was supposedly mailed to me but I was travelling and it was returned by the post office. It has been a nightmare trying to get this {$1000.00} back. I have called, chatted, messaged, XXXX and no one has been able to help me. I was told I could call a supervisor named XXXX XXXX at XXXX. That number was a fax so no help. I was told XXXX XXXX from the internet sales team would need to call me back. She never called. When I followed up I was told there is no one there by the name of XXXX XXXX. This has been a very frustrating experience. It 's even more frustrating that I have a checking account and it would have been possible just to deposit the money there. It also would have been very helpful if they had communicated the need for any paperwork or that they were closing the account. All in all a very bad experience with this account and all the customer service reps who could n't help.

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 2019-01-23
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, XXXX XXXX, was contacted by XXXX XXXX whom was representing Hunter Wakefield Company located at XXXX XXXX XXXX XXXX XXXX, Fl ( XXXX ) XXXX. They were seeking a debt owed by a XXXX XXXX. 
My husband and son have same name, just one is XXXX and one is XXXX. The representative did not care and had no problem going over someone else 's debt with me even though they did not confirm my identity nor cared to call and ask my son if it was ok that they speak with me.. I advised them it is my son 's debt not mine nor my husbands ' and he still kept using scare tactic like they are only willing to work on a reduced amount if I took action today and prepared or scheduled payment for a reduced amount or they would go after my husband and I for the debt that is not even ours. We are in process of buying a home and them reporting this debt on my husband 's social and not mine has loan process in jeopardy/ I lost my senses for a minute and made mistake by giving debit card information until my daughter heard my converstaion and had me cancel phone call WITH THEM immediatly. 

SOLUTION : THEY NEED TO CONTACT EACH BUREAU AND RETRACT THE NEGATIVE REPORTG ON MY HUSBAND THAT IS WRONGFULLY REPORTING

Company response to consumer: Closed with explanation