BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: WELLS FARGO & COMPANY
State: FL
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:
XXXX XXXX XXXX was servicing my mortgage on my house that I sold inXX/XX/XXXX. They had sent me my escrow check in the mail as I moved from NY to FL. I never received the check, so I called them, they told me it had cleared with Wells Fargo. We came to the conclusion there was mail fraud/identity theft of the check. 
I submitted a complaint with CFPB on XXXX as they had no real info on how this happened to settle this, & also said I needed to work with Wells Fargo on the case as it was in their hands due to they cleared the check. 
Wells Fargo gave me a case # of XXXX & I keep following up for the past 2 months, no details at all, just an open case. 
No one can tell me how or why they cleared the check with me providing & notorizing paperwork as the proof that the signature is not even close to being mine, nor my checking account. 
No one can even give me details on how this can happen where someone can deposit a check in my name & address & clear it without any ID/proof.

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 2021-02-17
Company: WELLS FARGO & COMPANY
State: CA
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:
I thrice disputed fraudulent transactions that appeared on my card back in early XX/XX/2021. The first time I called it was business as usual, they simply removed the transactions and I thought that was the end of it. Then I received a letter stating that because I physically had the chipped card there was no possible way fraud had occurred so they re-billed me. I disputed a second time only for them to come to same conclusion within just one days worth of investigating. Now that I had to dispute a third time, Im starting to think that Wells Fargo is simply out to take peoples stimulus. Or maybe Ill simply have to pay for now and then theyll catch their mistake at a later time? No, there aint no way in XXXX am I giving them an interest free loan.

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 2021-12-07
Company: Experian Information Solutions 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:
I recently ordered my credit reports and numerous accounts that do not belong to me was discovered which means I am 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 non-monetary relief
Consumer complaint received 2018-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
We have a loan in which we are current on and making payments on with XXXX XXXX. We did get behind and the car was reposessed, during this it suffered over {$2000.00} worth of damage due to neglegence of the transport company. We got current on our payments, got the car back. Now, we are not only responsible for the {$5800.00} left on the loan, but the car is worth next to nothing due to the damage that XXXX will not take responsibility for, but they also are reporting that this account is charged off. They said that they can not change the report at any of the credit agencies, and we are current now. They marked us that the account is closed and was charged off. We have asked them numerous times to fix our vehichle and change our report and they will do neither. Even if we pay off the car now, it still will show as a charged off, closed account. I reported to the credit agencies and they said to contact your agency now, because they will not remove this information either. I need help, please help. I will email you my current statement if youd like and a photo of my credit report showing the charge off that still exists. I can also show damage that they did to the car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I was looking to trade in my XXXX XXXX XXXX in hopes of obtaining a used vehicle with a lower monthly payment. I was paying XXXX via BBVA Compass Bank. I spoke to representatives at XXXX XXXX XXXX of XXXX, TX and agreed to come in Saturday the XX/XX/XXXXto meet with salesman XXXX XXXX. I specified several times that I wanted to trade in my vehicle - not only to XXXX XXXX, but to the online agents I had contact with prior to coming to the dealership. XXXX informed me that XXXX XXXX XXXX XXXX XXXX whom I purchased the XXXX XXXX from XXXX overcharged me on my loan. He then stated he was able to get me a payment for the XXXX XXXX XXXX XXXX that I was interested in for under {$400.00} a month. I agreed. However, when it came time to sign paperwork, the payments were {$400.00} through XXXX XXXX. I figured that was okay because I would be saving about {$120.00} a year. I left with the XXXX thinking everything was taken care of on the dealership side. On XX/XX/XXXX, I received a call from BBVA Compass saying my account was past due. This was shocking because I did not have the car in question in my possession. The agent informed me they never received payoff from XXXX XXXX XXXX. I called the dealership that day and briefly spoke to XXXX who stated he would look into it and call me back. He never did. So for the past month and a half, I've been playing phone tag with various representatives at this dealership regarding my payoff situation. Today, I finally spoke with XXXX XXXX who is manager of the pre-owned sales department at the dealership. He informed me that I did not agree to a trade in, there is no trade-in in my paperwork and that I have two auto loans now. I was floored. I'm on a very tight budget ... living paycheck to paycheck. Information I provided to XXXX on XX/XX/XXXX. How can I afford two auto loans? Let alone pay for a vehicle I don't even own. I really feel I was taken advantage of. No one at the dealership XXXX XXXX or the agent I signed papers with in the finance office ) told me I would be signing up for a 2nd auto loan. I was just told how much my payments would be, when to come for my registration and plates, and whom the bank is. This has affected my credit score and my mental health. Can anything be done about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I received a form letter from American Express today to inform me that the APR on my card is being increased to 16.49 effective X/XX/18. The reason listed was because my current APR is lower than average APRs on similar cards in the marketplace for consumers with similar credit profiles. 
The notice gave a number to call with questions, so I called American Express to ask why given my 17 year relationship, the fact that I have never been late and my credit profile ( as they referred to it ) has not changed in the past 12 months. 
The agent I spoke to said that I was unable to dispute the change, although she did acknowledge my tenure as a customer. 
Additionally I had to ask specifically for my current APR, which is 12.49 % to have American Express acknowledge that they are increasing my APR by 4 %. 
The notice I received in the mail did not list my current APR and demonstrate and adequate basis for a 4 % increase in my opinion. 
There appears to be an ineffective process at American Express for consumers to complain about changes at a personal level. 
I object to the increase and I am asking American express to acknowledge my tenure and performance as a customer as a reason NOT to increase my APR by 4 %. 
The letter provided is a " boiler plate '' FICO based decision as far as I can tell and there has been no change in my credit profile over the past 12 months. 
Moreover, I actually use American Express to monitor my credit profile and have done so for a number of years, so I know my credit profile has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, 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:
I recently ordered my credit reports and numerous accounts that do not belong to me was discovered which means I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Hello, Capital one has a business credit card opened under my business ein number and my social security number. The address on this closed account is incorrect and they also have 2 inquiries in my report. I requested for them to provide me a letter of deletion for the 2 inquiries with the wrong address and the closed account so i can show the 3 bureaus. They refused. I have called them multiple times to get this corrected and they have ignored my requests to delete this incorrect information from my credit report. I also contacted XXXX XXXX and XXXX and the only one that deleted the closed account was XXXX. This incorrect information is hurting my credit score. i ask that under the FCRA rights that i have as a consumer they delete the 2 incorrect inquiries and delete the negative history of the closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights. 


15 U.S.C 1681 section 602a States I have the right to privacy.

15 U.S.C 1681 section 604a section 2. It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2018-01-19
Company: Experian Information Solutions Inc.
State: CO
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:
We have a loan in which we are current on and making payments on with XXXX XXXX. We did get behind and the car was reposessed, during this it suffered over {$2000.00} worth of damage due to neglegence of the transport company. We got current on our payments, got the car back. Now, we are not only responsible for the {$5800.00} left on the loan, but the car is worth next to nothing due to the damage that XXXX will not take responsibility for, but they also are reporting that this account is charged off. They said that they can not change the report at any of the credit agencies, and we are current now. They marked us that the account is closed and was charged off. We have asked them numerous times to fix our vehichle and change our report and they will do neither. Even if we pay off the car now, it still will show as a charged off, closed account. I reported to the credit agencies and they said to contact your agency now, because they will not remove this information either. I need help, please help. I will email you my current statement if youd like and a photo of my credit report showing the charge off that still exists. I can also show damage that they did to the car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This has happened MULTIPLE times. 

I entered the income driven repayment plan, only to find months later that I 'm in danger of defaulting. The program stopped without any warning. To re-enroll, I 'm forced to take a forbearance and have all of the interest capitalized. I 've also had many issues where if I 'm calling about my federal loans, they only have knowledge of my private loans and vice versa. Just yesterday XX/XX/XXXX I received an email from them saying that my payments were going up from {$110.00} to {$300.00} When I called to verify, they had no idea what I was talking about. 

On XX/XX/XXXX I was given a forbearance on my private loans after talking to them. I asked if I had any more outstanding loans that were in jeopardy at all, whether it be federal or private and they said no. But on XX/XX/XXXX, I was given a delinquency notice about my federal loans.On XX/XX/XXXX, I was approved again, but on XX/XX/XXXX, I was sent another delinquency letter. This has gone on for years. Like I said, when I call them, they do n't ever speak on all of my loans. I feel like I 'm caught in a trap that I ca n't escape.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
On XXXX XXXX, 2017, I submitted a complaint via Khols/Capital One Card Services for a late payment that is reporting to my Credit Report as no more then 30 days late. I have submitted complaint and complaint and nothing has been handled.This is MY LAST & FINAL complaint before I go forward with finding a lawyer and sueing Capital One for not correcting what they know is incorrect. Like I have stated in previous complaints the representative I spoke to gave me the incorrect information of stating I would be ok to submit a payment after 2 months and they would not report it. That is not my issue nor am I at fault. Its really disgraceful to know Capital One will go to the highest of dishonesty to make me look like the bad guy in this situation. My credit is suffering because of this & this has put my home buying to a halt all because Capital One will not correct their wrong. Although this is my LAST COMPLAINT, I will not give up on getting the late payment in XXXX XXXX 2017 removed because I am not at fault. Capital One also keeps sending me a copy of XXXX 2017 bill that is not sufficient evidence to say my late payment is my fault. I do not need another copy of XXXX 2017 statement as I have it & demand them to supply supporting evidence other then a copy of the XXXX 2017 statement showing a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
My wife tried to use my Dicks rewards points when making a purchase without me at the store. 

My wife thought my dicks rewards covered the bill, but the store clerk supposedly opened up a credit card in my name without my approval or being present. My wife did not ask to open a card. This is illegal! 

I had no idea a card was open in my name with a {$150.00} balance. I did not know I had the card for a while till I opened up a bill later from dicks. I called dicks and reported the card as fraud, asked it to be cancelled. 

After working with fraud department and and talking to my wife I figured out what happened. 

My wife is an XXXX not a XXXX XXXX XXXX XXXX  She can afford to buy anything she wants. 

Synchrony told me that they would freeze the account and may reimburse me. 

I the end, I ended up having to pay {$240.00} for a {$150.00} bill on a card I did not open or want to stop the synchrony fees. 

I could not pay the card balance while the fraud investigation went on per Synchrony, but they stuck me with fees at the end. 

A store employee should not be able to open a credit card in someone's name without their approval or being present. 

Synchrony should not assess fees and interest on a card I can't pay off in an investigation.

Synchrony should not have wasted many hours of my time in phone loops, back and forth between their teams and hang ups. 

I was ripped off.

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 2021-12-07
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear, XXXX XXXX XXXX XXXX  i get my XXXX XXXX check on XXXX Wednesday of each month to cover my mortgage payment that was setup Autopay with XXXX to be deduct XXXX of each month for some reason they changed on XXXX and cause NSF on my bank paid {$35.00} and XXXX for {$15.00} total of {$50.00} that shouldnt happened in the first place and I had to call them why they did I can not get an answer I want to know why It changed and are they going to draft my payment on XXXX of each month including XXXX payment and credit the {$15.00} at their end and pay {$35.00} to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Ad Astra Recovery Services Inc
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
OnXX/XX/XXXX I called XXXX XXXX store # XXXX @ XXXX. In reference to a title loan that 's currently on my credit report with Ad Astra Recovery Service @ XXXX. I called ad astra to inquire about them removing said accounts from all 3 Bureau bc the vehicle was towed, sold and a lien release was giving for the title. While my account was n't updated with transfer of sold vehicle. Mean while Ad Astra Recovery stated, " they no longer had my account it was referred back to title customer service @ XXXX  or customer relations @ XXXX XXXX Which never udated my account to different status or collection agency. Ad Astra also informed me that they cant keep the collection account for over 181 days. On XX/XX/XXXX I recieved a call back from " title customer service '' stating debt was still owed whether they have my Collateral or not. She also implied that their were 6 outstanding loans on this vehicle totalling over 6,000.00. I replied to her I never got more than 2,000.00 in any of those title loans and that their is fraudulent activity going on at XXXX XXXX i.e to all the title loans or bank loans associated with my account at XXXX XXXX store # XXXX. I ask the representative to please remove ad astra from all 3 bureau and she declined. Bottom line is ad adstra no longer has my collection account and I want it removed or with an updated balance from when the car was sold by XXXX XXXX in XXXX XXXX. They housed the vehicle for 2 yrs b4 it was sold so it should mean that XXXX XXXX XXXX owes XXXX XXXX the Title, my guess. Lastly the only reason why I knew the car was sold in XX/XX/XXXX. Ironically, I recieved an inbox from XXXX XXXX of the buyer of my XX/XX/XXXXXXXX  asking if I had the original key to the vehicle to get the trunk opened. The loan number that was giving reflects my credit report and Ad Astra Recovey Service no longer has Responsibility to hold my account as a debt. I am all out of options and in desperate need of help. Thank you in Advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Equifax, XXXX, and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone way pass the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA- they are required to ... .. promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible

Company response to consumer: Closed with non-monetary relief