BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Lvnv funding LLC I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The reason for my complaint is because bank of america has chosen to close my checking accounts with them which is fine cause in the agreement they are allowed to close the account and i understand that part of the contract. They have garnished monies from my checking account which led the account to be overdrawn due to the automatic payments that have been set up. I need all NSF fees to be credited to the account and I also received a letter from them that they might report the account to XXXX XXXX or XXXX XXXX. I have done nothing fraudulent or mishandled my accounts in any way in the 3 years that I have banked with them. I need to make sure my accounts are closed in good standing and that no negative information to be reported to XXXX XXXX XXXX and XXXX XXXX and also let me know what the final amounts owed in the account cause i have no access to the account online and have no idea what they have done with the accounts.

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 2020-02-04
Company: EQUIFAX, INC.
State: VA
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: Other problem getting your report or credit score

Complaint:
I have tried to get my Equifax report at least 5 times by trying to sign in their website. I keep on getting errors and ask to call their XXXX. I have called them 3x and to be told their systems are down or they unlock my account but have to wait 24 hrs to have access. I also been hang up. 
Dates : XX/XX/20. 3 times called to get help logging, reset password. No help. Unlocked account told to create a new password with agent on the line but unable to get in. In background you could hear cheering and I asked what was going ... representative said someone sold something. I thought I was speaking to Equifax credit report agent then he told me to wait half an hour to try to log in. He then said the system is down. I called two hours later with the same issues and the agent hang up on me. 

XX/XX/20 : I tried to get my Equifax report again by trying to sign in their website. I keep on getting errors and ask to call their XXXX. I have called them again and some to an agent for 30 hour. She stated their system is down and could not help me with log in. I told her that I wanted to dispute some items. She took my personal information and confirmed my identity. She then took down what I was disputing then put me hold. I was with her on the phone for over 30 minutes to only get hung up again. 

Please help me resolved this issued. My information has been compromised by Equifax and I need to make sure to correct the errors. I have done research and I am not the only person having this issued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
To whom it may concern, I am looking to file a complaint against the company Wayfair. This morning I called the company to pay my bill for this month. Which was due XXXX I mistakenly thought today was the 7th and immediately attempted to rectify the situation. Upon calling and speaking with a representative I was informed I'm 2 months behind on payments with 2 months of late fees. This completely blind sided me because I had called and paid last months bill, due XXXX and had received the email confirmation from the company regarding the payment. She tells me that the payment for XXXX was returned, and I was charged a fee for that, the late penalty, etc. She also claims the company informed me of this action. To which I told her I had not been contacted in any manor. No phone calls, no emails, no paperwork in the mail. Legally I believe they're required to notify customers of such events taking place. I have all emails of every payment made to this company as well as all paper bills sent via postal service. How do I proceed? With these issues the amount owed has now gone up by {$150.00} and the date to have the account paid off before accrued interest takes affect is in 2 months. 

Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage servicer is not applying payments as should, XXXX XXXX XXXX, and they are missing payments which were sent to be applied to the loan. 
Payment amount has been raised over {$600.00} since XX/XX/XXXX which none of those payments have been applied to our loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Navient Solutions, LLC.
State: OK
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Without my consent Navient has been charging me ridiculous amounts of money and auto-drafting it out of my account. I have told them numerous times NOT TO AUTO-DRAFT, but somehow my loans are still in auto-draft mode. The interest for my loans is {$420.00} if I do n't make any payment on the principle. However WITHOUT MY CONSENT Navient has been charging me anywhere from {$640.00} to {$890.00} a month without telling me which payment I will have to make. When I tried to contact them about this I was literally forwarded, maybe a 3 way call and the rep hung up on me, to XXXX XXXX XXXX XXXX. 

Every time they say they are going to stop this behavior the do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX  XXXX XXXX was reporting my home mortgage payment late for several months. I contacted XXXX XXXX   XXXX in XX/XX/2019 regarding this issue. They wouldn't respond so I filed a dispute with all three credit bureaus and included bank statements to document all of my mortgage payments were paid on time. 

XXXX  XXXX XXXX has destroyed my credit score due to this error on their part. But what's more disturbing is the fact that none of the three credit bureaus even looked at the documentation I mailed them. They replied that they checked with XXXX and the reporting was correct. 

I've been fighting this for over 5 months with XXXX  and finally have received a Payment History Report from them that shows my payments were made on time.

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 2017-11-18
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: Account status incorrect

Complaint:
On or about XX/XX/XXXX, I notified all three major credit bureaus ( XXXX, Experian, XXXX XXXX ) concerning invalidated information that was reported on or about XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX and that I owed two medical seperate collections ( {$2100.00} & {$4000.00} ) that had been paid to the original creditors on or aboutXX/XX/XXXX ( See attached letter from Attorney XXXX XXXX. 

On or about XX/XX/XXXX, I responded to XXXX - XXXX XXXX XXXX XXXX by letter stating that the said collection of the two medical debits have been paid and requested that their claim was disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Instead they responded back providing a verification or proof of my mailing address, but not as I requested for VALIDATION of the said two separate debts and has continued to update the three major credit bureaus ( XXXX, Experian, XXXX XXXX ) every month or two that they have had contact with me and keeping the date current. Informing inaccurate or invalidated information to the credit-reporting agencies is not correct and derogatory, has continued to this date, has negatively impacted my credit report. 

I have submitted three different letters to all three major credit bureaus ( XXXX, Experian, XXXX XXXX ) stating that the debit is not validate and should have never been on my credit report. To date all three major credit bureaus ( XXXX, Experian, XXXX XXXX ) have not updated nor removed the inaccurate and invalidated information on my credit report but they have updated XXXX - XXXX XXXX XXXX XXXX reports and negatively affected my credit continuously.

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 2019-05-10
Company: Self Lender Inc
State: WV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Theres an account that has been open fraudulently in my name and my debit info was used I contacted them and even disputed this threw XXXX and nothing has changed. 
This is not right by far I'm a victim of identity theft and XXXX XXXX is keeping my money and now this XXXX, when I contacted self lender they was very rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: American Credit Acceptance, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
American Credit Acceptance is still claiming I owe them a debt when pursuant to 15 USC 1692g ( c ) admission of liability may not be construed by any court of law and 15 USC 1692g ( b ) Ive requested they send me a signature of the original creditor because in accordance with the law they can not collect any debt until they do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: AMERICAN EXPRESS COMPANY
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2018, I applied for an American Express Gold Card using a referral link that I had received. During the application process, it was stated I would receive XXXX points after spending XXXX in the first three months. It was also stated that I would receive 20 % cash back ( up to {$100.00} ) as a statement credit on dining purchases for the first 3 months. Upon, not seeing these bonuses come through, I contacted American Express. They stated I was ineligible due to previous history. I had not previously applied for this card, and met everything that they had outlined to receive the bonus. I also did not receive any message that i was ineligible when submitting my application for this card. The card carries a {$250.00} annual fee, which has also been paid. I feel that the company should pay the bonus that was offered. 

I opened a complaint on XX/XX/XXXX which they provided the response : " The terms of the promotion, which were provided during the application process, explain that the welcome bonus offer is not available to applicants who have or have had the product. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. In accordance with these terms we determined that, regrettably, you are not eligible for the welcome bonus. " As stated above, I have not previously had this card. I had also only had 3 American Express cards opened in the previous 2 years, so I do not feel that was excessive. When they state " as well as other factors in making a decision '', this language is vague and allows them to not provide a bonus in any scenario.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in contact with SPS multiple times over the past 6 months to try and work out a solution. I asked about a forbearance plan to possibly move the missed payments to the end of the loan and I was told no. I asked about redoing the loan modification and was told no. They only thing they offered was an outstanding repayment plan over {$2200.00} a month. 

My wife had a XXXX last XX/XX/XXXX ( XX/XX/XXXX ) and missed a lot of work and we fell behind on our mortgage payment. I had talked to SPS about this and they did not seem like they wanted to try and work out anything. My wife also had to leave her job in XX/XX/XXXX and find a new job. She did find a new job but, this was 42 days later. This put us further behind. 

We are current {$11000.00} behind and do not want to lose our home or file for BK- no one wins in this. 

I would like some help working this out with SPS and understanding what they are telling us and how we should proceed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Risecredit, LLC
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received an unsolicited hard inquiries to my XXXX credit report. I communicated with the company, explaining that I did not solicit said reports. Instead it was my brother, XXXX XXXX XXXX, who at the time was refinancing his credit options. Still, because my father 's home address was listed as one of my previous addresses, my credit was inquired for, along with my sibling 's. 

I had then erased my father 's home address from my credit report and am surprised to still find the unsolicited hard inquiries degrading my credit score. 

I have done no business with the following company, nor do I intend to, and am disappointed to still find their data in my credit reports. 

XX/XX/2017 XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I should not be held accountable for any other persons credit actions, save for my own. I request the information to be erased from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a customer and loyal user of Simple bank for many years. Simple was a " neobank '' which provided a unique, progressive approach to budgeting and bank account management, and has helped many customers, myself included, get out of debt. It was bought by BBVA USA several years ago, and XXXX transitioned to provide the FDIC-insured accounts for customers of Simple. 

A merger between XXXX and BBVA USA was announced last year, and news of this was communicated to customers of Simple. 

On XX/XX/XXXX, Simple communicated to its customers that, as part of this merger, the service was being shut down and that account-holders would transition to traditional XXXX accounts. On XX/XX/XXXX of this year, access to the Simple app, along with the various features that have helped many customers get out of debt, will be shut down. Account holders will be given traditional accounts with higher fees and an app with less features. 

Although I'm sure that these actions are not illegal, it feels like they should be. A ( virtual ) board room of bank executives should not be able to make a unilateral decision that affects hundreds of thousands if not millions of people and forces them to seek out other solutions which are not as technologically mature or functionally equivalent. The problem is not that we're being shut out of bank accounts. The problem is that we're being shut out of the technology that has helped us manage those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: U.S. BANCORP
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have been a US Bank customer since XX/XX/XXXX In XX/XX/XXXX I  opened an individual checking account with a reserve line attached to that checking account. My daughter XXXX XXXX XXXX was XXXX years old at that time. In XX/XX/XXXX I requested a check debit card for my daughter in order to provide access to an ATM for emergent withdrawals from MY checking account while she was away attending college. XXXX XXXX XXXX was never added as a signer or guarantor on the account, she did not have access to online banking, she did not make any deposits or payments to the checking or reserve accounts. She was an XXXX year old college student. She did not have any credit history. For over 4 weeks I have been attempting to remove XXXX from my account. After 3 visits and 4 hours, and sending my daughter to a California branch for 2 hours, XXXX XXXX, Branch Mgr at XXXX XXXX Branch told me his title was just a title and he couldnt help. On XX/XX/XXXX, I contacted the Main Branch. There was no answer all day. I contacted the toll-free customer service number. They tried to transfer me to the Main Branch. They were not able to reach anyone or even a voicemail, all day. On XX/XX/XXXX, I called the Main Branch. XXXX explained, there were a lot of people on vacation the previous day and they were busy helping other customers and therefore could not answer the phone. On XX/XX/XXXX, XXXX XXXX called. On XX/XX/XXXX, after 10 calls since XX/XX/XXXX, XXXX stated shes new in her position and doing the best she can but cant help. She stated all records are destroyed after 7 years. If that is the case then US Bank would not have proof that I am obligated to repay my loan on my reserve account. I requested a copy of the agreement and our signatures showing XXXX agreed to be a responsible party for my debt. The only document I have received is a pamphlet titled, Your Deposit Account dated XX/XX/XXXX. I am requesting copies of MY agreement and to have my daughter removed from MY obligation.

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 2018-09-13
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
I have accounts showing charged off on my credit report. I have contacted these companies directly and disputed with all three credit bureaus. The companies send me a copy of an itemized bill, and state the the account was opened online. The credit bureaus send what appear to be a generic form letter stating that they have investigated the account and will not re investigate it. I have requested that they provide me with copies of any documentation associated with this account, bearing my signature. I have also advised them that as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I feel that I have done all I can do and have not been able to get any results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a letter saying that the mortgage company, Wells Fargo, had not received our updated homeowners policy. We contacted our insurance company and found that they had mailed out our policy to Wells Fargo on XX/XX/XXXX and the XXXX and the coverage did not expire until XX/XX/XXXX XXXX. Wells Fargo then proceeded to place their own policy on our mortgage. I have filed a complaint about this. However, now Wells Fargo has not paid our insurance premium for our insurance coverage as of XX/XX/XXXX and they are set to cancel our insurance as of XX/XX/XXXX, and have sent us a bill. We can not afford to pay our homeowners twice. 
Wells Fargo seems to be in no hurry to resolve our issue and we believe they are withholding our escrow money fraudulently. We pay taxes and insurance monthly to our escrow account and our credit rating should not be affected by Wells Fargo not paying for our coverage in a time.y manner.

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