BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-23
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Public Record Type : Bankruptcy chapter XXXX-discharged Date Filed : XX/XX/2011 Amount : {$0.00} Case Number : XXXX I am disturbed that bureaus continue to list the dismissed bankruptcy as confirmed. 
The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information 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 explanation
Consumer complaint received 2021-05-08
Company: BBVA FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was a customer with Simple. BBVA took over and transitioned all customer accounts from Simple to BBVA on XX/XX/2021. I, along with countless others as evidenced on XXXX, am unable to access my bank account through BBVA. I have attempted to resolve this issue on their website and by contacting their customer support phone numbers. It appears they have purposely shut off their phones based on the automated message indicating they are experiencing an issue and then disconnecting all calls. 

I am unclear why this transition was completed on a weekend and why they are purposefully preventing customers from contacting them to resolve the issues caused by this horrible transition plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX XXXX XXXX/Wells Fargo is very misleading and has been giving me the run around about a payoff amount. I'm being charged extremely high interest and always promised to receive a payoff amount in ten days. This had been going on for the last year with no resolve. I am past frustrated and it seems that I can't get any help! They sent my info to the wrong residence and also added another wrong email to my account ( compromising my info ) which I NEVER gave them. I now have a derogatory mark on my credit report and I have always paid on time, NEVER LATE!! I need assistance, PLEASE 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 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2020-05-06
Company: Motolease, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I contacted MotoLease on friday XX/XX/XXXX. i advsd them that a payment has come out of my acct that was not authorized by them. they stated it was due to my lease agreement but I also had my payments deferred for two months which means i would of been due until XXXX. I advsd them of that and they said it was an error on they end. I told them that i wanted it refunded and the bank fees refunded. it is now XX/XX/XXXX and ive received two overdraft fees from my bank and also they have taken another payment out. Due to covid i was relying on that money for food thats why i deferred the payments for a couple months. Now i have XXXX $ of overdraft fees on my bank acct along with negative XXXX $ balance. I want my money back and my overdraft fees credited that continue to get added with the negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
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 opened a new credit card with First National Bank Of Omaha a few months back. On the first statement, I owed {$1100.00} but mistakenly only paid {$1100.00} ( I shorted them {$19.00} ). On my second statement my purchases came out to {$1100.00} + {$19.00} = {$1100.00} Which was paid in full ( The statement did not show I had owed more ). On my third and most recent statement the credit card  company charged me {$77.00} in interest from an unpaid amount of {$19.00} from the first statement but was only made aware of it on the third statement. 

When I called to see if I can have this waved I was transferred over to a supervisor that was very rude and said that it was a valid charge of {$77.00} on a {$19.00} balance that was paid 20 days late. I had asked her if I could speak to anyone else that can address this or who can I contact to complain and her exact words were " I'm not going to educate you on who to complain to! '' I also asked her for her information so I can name her in this complaint and all she would give me is XXXX XXXX. I had asked her if she can give me her full last name or supervisor ID # and she refused.

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 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Called transunion at XXXX XX/XX/2018 and customer service rep was very rude and refused to help me with these inquiries that were reported on my credit and were not authorized and i believe i was a victim of there inquiry issue in there system.

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 2021-05-08
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan that was transferred from XXXX XXXX XXXX to PHH Mortgage on XX/XX/XXXX. The final payment made to XXXX on XX/XX/XXXX included a principal only payment of {$3100.00}, bringing my mortgage balance down to {$280000.00}. That is also the balance due confirmed verbally by XXXX that was transferred to PHH. The balance due listed on my first statement from PHH is {$290000.00} -- exactly {$3100.00} more than the balance that PHH should have assumed. I contacted PHH Customer Service over a week ago and got no response. Meanwhile, my first payment has been processed by PHH and they are charging interest against the higher amount, not the correct amount. This is a blatant and unethical attempt by PHH to deceive the customer, and I doubt this is the first time this has occurred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had received a settlement from a civil rights lawsuit in XX/XX/XXXX and I had a high-yield savings account from american express dated back to XXXX, upon receiving my settlement after being deposited into my XXXX XXXX XXXX  checking account I transfered {$100.00} into my high-yield savings with american express. American express fraud department closed my account and never sent me a check for the remaining balance of {$100.00} I tried to contact them via phone regarding this matter but I only got harassed and was told that I had to speak with the fraud department still no answer to where is my remaining balance. XXXX XXXX XXXX and American Express Savings Account is illigally withholding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: CITIBANK, N.A.
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
An unauthorized charge appeared on our citi charge card in the amount of {$1100.00} on XX/XX/18. I immediately disputed the amount with the credit card company. I also tried to contact XXXX  to whom the charge was made. Unfortunately, it appears XXXX is unable to be contacted and only the people who can use their website are the people that sell the product. My husband or myself do not sell this product so we are unable to contact anyone at the company. We are not able to log in at all to make any purchases. 

I complained to the XXXX XXXX XXXX about the lack of communication afforded to the general population and XXXXl did contact me but refuses to reverse the charge. I also contacted Citi cards a second time to dispute the charge again. Citi card responded by saying " Due to conflicting information, we can not mandate the merchant to issue a credit to your credit card. '' Nobody is bothering to investigate this fraudulent charge which means this will occur again! If anyone investigated they will see the address where the supplies were sent and the name that was used clearly don't match. In addition, we are unable to log in to the XXXX website proving no purchases were made.

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 2018-07-24
Company: Synergetic Communication Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company continues to harass me and leave me threatening voicemails over a loan that was previously taken out with " XXXX XXXX. '' I have advised Synergetic Communications (  the debt collector in this case ) that I received a letter from the STATE OF FLORIDA that XXXX, XXXX D/B/A XXXX XXXX, is unlicensed in this State and I do not have to pay back the loan as it was illegal to be issued to me at all, which I was not made aware of prior to taking the loan. 

Furthermore, they have not only called me, they are starting to harass my friends. I received a voicemail from a close friend, who is currently serving  in the XXXX XXXX XXXX in XXXX, XXXX. He advised you called and left him a threatening voicemail as well. I have advised them this is an illegal loan and i will not be paying it back, but the calls continue. 

The amount originally taken was {$600.00}. I made three payments of {$140.00} before I received the letter from the state, at which point i disputed the previous payments with my bank ( who also sent me a letter that the dispute was valid and closed ) and received my money back. 

YOU ARE TO STOP CALLING ANY PARTY INVOLVED IN THIS MATTER. YOU MAY ONLY COMMUNICATE TO MYSELF IN WRITING. IF FURTHER CALLS CONTINUE, I WILL FILE A LEGITIMATE LAWSUIT FOR UNFAIR DEBT COLLECTION PRACTICES. 

THANK YOU, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
At XXXX, Equifax refuses to provide an online credit report and instead requires the individual to go through the US Mail to request a credit report. 
There's no technical reason for subjecting a person to this inconvenience in order to obtain their own information, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
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: Information belongs to someone else

Complaint:
There are several accounts on my credit report that I have been continously disputing that do not belong to me on my credit report. I have sent letters to XXXX, XXXX, and Transunion regarding this matter. None of the accounts were investigated or validated for belonging to me. I keep telling them that they aren't and they have not removed. The following accounts do not belong to me as I am a victim of identity theft. 

XXXX XXXX XXXX XXXX  XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX XXXX   XXXX  Account # - XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXXXXXX - Account # 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 2021-04-11
Company: Mountain Run Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following companies have falsely reported debts owed to them on my credit : -MOUNTAINRUNSO ACCT # XXXX -XXXX ACCT # XXXX -XXXX ACCT # XXXX XXXX XXXX # XXXX -US DEPT ED ACCT # XXXX -DPT ED/XXXX ACCT XXXX XXXX -XXXX XXXX  ACCT # XXXX I have never signed a contract with any of the above listed companies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The consumer 's Agent with Power of Attorney in Fact proceeded to validate a debt in dispute status currently being reported by company NCB MANAGEMENT SERVICES INC to the 3 Major Credit Bureaus. After a fax communication to validate the debt and provide company tax identity information per [ FDCPA 809 ] XX/XX/XXXX, provided on XX/XX/XXXX a fraudulent debt that leads one to the conclusion that NCB has on file an account number confirmed to be different from the " Original Creditor ''. The information NCB provided contains False and Misleading Representations of the truth [ FDCPA 807 ( 2 ) ( A and B ) ] in what seems like an attempt to start a whole new contract with the consumer. This is not the consumer 's wish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. They have had 6 months and 3 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: JPMORGAN CHASE & CO.
State: PA
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:
On XX/XX/XXXX I applied for a credit card with Chase. My application got denied. This caused a hard inquiry on my credit report. A few minutes later ( in the same day ), on XX/XX/XXXX, I requested a credit line increase on my existing credit card. This happened via secure message communication. I followed the process, but I clearly stated that I did not give my consent to pull another credit report in the same day, instead, I suggested using the same credit report that Chase pulled from XXXX  on XX/XX/XXXX. Despite my clear statement making it clear that I did not give my consent, Chase pulled a second credit report on XX/XX/XXXX, and caused a second Hard Inquiry. I clearly stated " use the same report and do not obtain a second copy ''. You can verify this in my attachments named : " No Consent for Credit Report.pdf ''. Therefore, a hard inquiry was caused without my consent. 

I tried to solve this problem with Chase Bank several times. Both in writing via secure messages, and several times on the phone. The customer service of Chase leaves me hanging. The only answer I got is that they will provide me with findings. I am not interested in the findings. I need a clear and transparent answer, and also I demand Chase Bank to remove the second hard inquiry that was caused without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: STATE FARM BANK, FSB
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Ive been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/1996 my husband and I completed paperwork to refinance our home with XXXX XXXX XXXX previously located in New Jersey for {$33000.00}. Within 72 hours we decided to cancel the loan and drive to the mortgage company to complete the cancellation process. I recently found out that the mortgage is still opened when I tried to sell my home and realized the company never canceled the loan. I have never paid on the loan or received any late payment notices because the loan was canceled. I tried to explain this to the title company but was unsuccessful. Unfortunately, I can't find the cancellation letter from over 20 years ago. I conducted some research and found that XXXX XXXX XXXX. of New Jersey was once a subsidiary of XXXX XXXX XXXX XXXX  and later acquired by XXXX XXXX and now Santander Bank. I was never notified of a change of ownership or payment notice for the mortgage.

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 2021-01-31
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/XXXX Citibank made an unauthorized hard inquiry on my credit report. I did not authorize this credit inquiry in any unmistakable way. I had recently opened a new credit card with Citibank with a lower credit limit than I expected. I called Citibank to inquire further about it and explicitly told the representative I was speaking with on the phone that I did not want to process a credit limit increase if it meant that it would be processed as a hard inquiry on my account. The representative assured me that the request would not be processed as a hard inquiry ; however, it was. This hard inquiry resulted in my credit score dropping NEARLY XXXX POINTS. 

I've called Citibank numerous times to rectify the situation and can not get a supervisor to speak with me. I was advised to write a letter to Citibank 's Credit Bureau Dispute Unit. On XX/XX/XXXX I wrote a letter to Citibank disputing the error on my credit report. I told them that I did not authorize the hard inquiry and to please remove this unauthorized hard inquiry from my XXXX  credit report. 

In a letter dated XX/XX/XXXX, Citibank responded and said that they " have requested that the consumer reporting agency ( ies ) change the inquiry dated XX/XX/XXXX on your credit bureau report, as you requested. '' I have submitted several disputes with XXXX  to no avail. On XX/XX/XXXX and XX/XX/XXXX, I faxed and mailed, respectively, a copy of Citibank 's XX/XX/XXXX response to XXXX. XXXX  has still refused to remove the unauthorized credit inquiry 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