BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-18
Company: WELLS FARGO & COMPANY
State: AZ
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:
To whom it may concern, On XXXX of 2016 Wells Fargo Mortgage reported my monthly payment as being late. I called Wells Fargo the moment I noticed this on my Credit Report. I have never been late on any of my Credit Cards or loans. I never received a statement from Wells Fargo as I always did, therefore I did make the payment on time due to their negligence on  sending the statements. I also never received a phone call from them letting me know about the payment. While speaking with Wells Fargo there was an individual that stated I should have received a noticed by mail and a phone call ( I believe his name was XXXX ) If the phone calls are recorded then Wells Fargo should have that information on file, this individual admitted that Wells Fargo did not take the necessary steps in this situation. I have disputed this item multiple times and it was removed from the Credit Bureaus in the past, but then it is added again ( It just recently happened again ) Wells Fargo Negligence to provide me with proper community when it comes to payments has affected my credit score and caused stress in my life. Loan interests are higher due to this and it has taken time out of my busy schedule to provide these letters in the hopes to get this rectified. I pride myself on having pristine credit and Wells Fargo has affected a lifetime of work on my credit. I'm not asking for any money, all I want is fair treatment and to have this item removed. Wells Fargo is a large Corporation and it is not fair for them to treat a client this way. It is very disappointing how I have been treated and hope to get this resolved.

Thank you.

I have submitted this complaint to your office in the past I appreciate any help you may provide to get this handled.

I would like to have the late noticed removed from all of my Credit Reports I  will also be filing with the Attorney General 's office

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 2019-06-05
Company: EQUIFAX, INC.
State: CT
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've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reportin ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
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:
On XX/XX/2020 I was the victim of a phishing scam, involving a fake Website. I deleted the screenshot of the fake website when the fraudulent charge was originally credited to my card. I did, however, submit the name of the fake website on XX/XX/2020, immediately, when I received a XXXX transaction receipt from XXXX XXXX. The website was not named, XXXX XXXX, and I have no idea who or what XXXX XXXX is. 

5/3rd bank " investigated '' the fraudulent charge. From the seller they received a fake business name, " XXXX XXXX, '' a fake business Email, " random numbers and XXXX, '' which is a spam Email server XXXX, XXXX, XXXX, and others will not allow Email from, a fake business phone number with an area code that doesn't exist, and calling the business phone number results in a recording saying the number is not a working number, a XXXX slip that does not display my home address, and when I called XXXX for clarification, they said the tracking number on the slip was related to a package that came from, " XXXX, '' even though the " investigators, '' received NOTHING from XXXX, and a copy of the document they received from the seller that requested " proof of the purchaser receiving the item '' which was completely blank. 

And yet, with these and even more illogical red flags displaying to any logical thinking human being that the charge is in fact fraudulent, the " investigators '' deemed this a " legitimate '' purchase, and reversed the credit they issued on XX/XX/XXXX. 

This is now XX/XX/2020. I closed this account on XX/XX/2020, due to the horrible mismanagement of this fraudulent charge investigation. I have no charges on this closed XXXX account other than this one fraudulent charge. In fact, have no other charges on any other credit card. 

Even though it is closed, I have received two late fees, two interest charges, and even though I received a document stating credit bureaus would not be contacted, there was a delinquent account message sent to XXXX, which lowered my XXXX  credit score from XXXX to XXXX. 

I have contacted 5/3rd well over 50 times. I have sent pages and pages of documents through the mail, Email and fax, showing why I am a victim of a phishing scam. I have been into two local branches, and communicated with well over 50 5/3 employees by phone, Email, and Chat. I am told to wait, and wait, and wait. I am told supervisors, " Do not take calls. '' I am directed around and around and around and around in circles. 

I have contacted the XXXX, XXXX XXXX page, disputed by XXXX credit account, and now am contacting the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Starting in XXXX of 2021, somebody started stealing my rewards points on my Barclays - XXXX Card. XXXX Card reinstated some of the stolen points but then stopped without explanation. The fraud continued over several months and Luxury Card made little to no effort to combat the fraud. They told me several times they would reinstate all stolen rewards points " within 30 days ''. My points are still not reinstated after months of phone calls. I have done all that is requested of XXXX Card, including changing my card number, user name, passcode and verbal passcode but are still getting the run around. I am asking for CFPB assistance in getting my XXXX stolen reward points reinstated immediately.

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 2018-02-18
Company: GREAT LAKES
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This is the second time I have requested a reduction in payment from Great Lakes and received a notice 2 months later that my payment was over {$100.00} more than when I submitted. It turned out the first time XX/XX/XXXX they lost my paperwork. I had to reapply, all the time the interest continues to build.I am having this problem with Great Lakes again. I contacted them very upset. The agent took my information, saw my application sitting in the system and did something to cue it. Again, interest still adding up. I received a phone call from someone who identified themselves from Great Lakes who offered me a year payment of {$1400.00} per month which was lower than the {$1500.00} I was paying. This was a major expense and many times left me without money to pay utility bills and buy food. In XXXX, XXXX my husband had a XXXX XXXX. His company outsourced their tech services and the technicians were picked up but at a cut of {$10000.00} less in their salaries. I contacted Great Lakes again in XX/XX/XXXX as I was not able to make the payment. The agent asked me if I thought of submitting a reduction in payment application or whatever it is called and I told her that I did that last year, but the effort and annoyance only yielded me {$100.00} less, barely. She gave me an estimate over the phone based on the information I could provide which was significantly lower than what I was currently being asked to pay. I had the paperwork of everything she used to get the estimate, so my numbers were accurate. Again, I submitted my information and on this past Friday received notice from Great Lakes that on XX/XX/XXXX my payment would be {$1500.00}. I sincerely believe Great Lakes is intentionally causing significant interest accumiliations on my student loan account. As it is, my account has swelled significantly since dealing with them. I am so disgusted with them. No company can be this inept and continue to operate millions of dollars. How much has their inability to process my request cost me, twice over, in interest costs. The fact that I have another student loan separate from this one allows me to receive a reduction. I am not even able to complete my doctoral work because I have taken my all of my classes less 1 credit which I need when I defend my research findings and need to finish my dissertation but the student loan system does not allow a stop on your loan if you don't take two courses. Now XXXX College is requiring you to be enrolled to defend your proposal and I can't afford with my student loan payments. 

I hope CFPB can help me to acquire doable solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: EQUIFAX, INC.
State: AZ
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:
To whom it may concern, On XXXX of 2016 XXXX XXXX XXXX   reported my monthly payment as being late. I called XXXX XXXX the moment I noticed this on my Credit Report. I have never been late on any of my Credit Cards or loans. I never received a statement from XXXX XXXX as I always did, therefore I did make the payment on time due to their negligence on sending the statements. I also never received a phone call from them letting me know about the payment. While speaking with XXXX XXXX there was an individual that stated I should have received a noticed by mail and a phone call ( I believe his name was XXXX ) If the phone calls are recorded then XXXX XXXX should have that information on file, this individual admitted that XXXX XXXX did not take the necessary steps in this situation. I have disputed this item multiple times and it was removed from the Credit Bureaus in the past, but then it is added again ( It just recently happened again ) XXXX XXXX Negligence to provide me with proper community when it comes to payments has affected my credit score and caused stress in my life. Loan interests are higher due to this and it has taken time out of my busy schedule to provide these letters in the hopes to get this rectified. I pride myself on having pristine credit and XXXX XXXX has affected a lifetime of work on my credit. I'm not asking for any money, all I want is fair treatment and to have this item removed. XXXX XXXX is a large Corporation and it is not fair for them to treat a client this way. It is very disappointing how I have been treated and hope to get this resolved. 

Thank you. 

I have submitted this complaint to your office in the past I appreciate any help you may provide to get this handled.

I would like to have the late noticed removed from all of my Credit Reports I will also be filing with the Attorney General 's office

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: ENOVA INTERNATIONAL, INC.
State: TN
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 just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 


Creditor Name : NETCREDIT/XXXX  Date of Inquiry : XX/XX/2022 Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
2 Citibank Credit cards were stolen and used without permission from my Dad who was XXXX and XXXX from XXXX. My father was in the hospital during the time of these uses, and had no access or mobility to use the cards. There was no authorized users listed on the credit card accounts. I have proof that my Dad had no way to utilize these cards during this time period. A fraud alert was initiated on all 2 credit bureaus, and the problem was called into the credit card company. A fraud investigation was initiated. Dad XXXX   several days later. The credit card company instead of investigating the fraud put this account into collections. The collection department stated the estate MUST pay the outstanding balance, ignoring the fraud alert/investigation. The investigation stopped and the collection department is demanding full payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX XXXXXXXX XXXX card was used without my permission in XXXX XXXX United States while I was in XXXX. The bank flagged the purchase as fraudulent contacted me and I confirm it was fraud. At that point are charge of approximately {$3000.00} was already authorized by the bank. The other charge got denied. I started a fraud claim at the same time and the claim was denied three times by the bank. The bank States that I need to investigate with the store myself for more information about the fraud.

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 2023-02-14
Company: AKT AMERICAN CAPITAL, INC. DBA AMERICAN CAPITAL CORP.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I entered into a contract with XXXX XXXXXXXX XXXX XXXX and Synergy Capital XXXX XXXX XXXX on XX/XX/XXXX for the purchase of a XXXX XXXX XXXXXXXX XXXX XXXX XXXX and I have reasons to believe that XXXX XXXX XXXXXXXX XXXX willingly and knowingly took advantage of me and my consumer credit. I was not disclosed on my right to rescind, I was given false and deceptive information as I was informed that a down payment of {$1500.00} was needed for me to drive off the lot and they were not transparent regarding the process of the consumer credit application being the financial asset

Company response to consumer: Untimely response
Consumer complaint received 2021-02-09
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
New York and Company ( Commenity Bank ) has been charging me double finance charges each month. They are forcing me to close the account to keep from getting additional interest fees by paying the complete balance off in full. My total balance due is XXXX. I have made all payments on time with the exception of one payment 3-4 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
A balance is reporting on my XXXX  account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with XXXX and they have failed to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Experian Information Solutions Inc.
State: TX
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:
I am writing this due to non-compliance with XXXX, Experian, XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2021-01-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In a multi state class action lawsuit to which I am included in a settlement agreement litigation XXXX XXXX has agreed to provide relief by removing any and all negative information which has negatively impacted my credit report me the consumers in which they have reported to all three credit reporting agencies should have been deleted

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 2018-04-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have been receiving calls from XXXX XXXX XXXX, XXXX within the past couple of months everyday, at least twice a day regarding an account that I had with XXXX XXXX ( I believe this is the creditor ) in XX/XX/XXXX or XX/XX/XXXX. I believe the original amount was about {$2400.00}. The business has been closed for several years and I received calls from the law office a couple of years ago and started making payments. When I requested a copy of my original loan documents and totals of payments made directly to the law office, I believe XX/XX/XXXX or XX/XX/XXXX, I never received documentations. Around XX/XX/XXXX, I spoke to a representative and explained that I did not owe any monies to XXXX XXXX and requested that they stop calling me. Since that time, I have continued to receive numerous calls daily. No voicemail messages are being left but the calls continue to come in. I received a letter on XX/XX/XXXX, dated XX/XX/XXXX, from the law office stated that the letter was in regards to : XXXX XXXX XXXX, XXXX vs XXXX XXXX XXXX, Index Number : XXXX. I am guessing this is for the old account and have no idea who XXXX XXXX is. It states that I owe {$9900.00} with daily interest rate of {$1.00} which is insane to me. I want them to stop harassing me for monies that I do not owe to them. Again, XXXX XXXX do not even exist so I am not sure why after all these years, the law office has starting calling me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an account on my credit report from XXXX that is not mine. I had sent a letter asking for validation they couldnt prove validation and said it was going to be deleted, somehow it got put back on without any acknowledgment and I disputed it again and all that happened was a summary put on my credit report stating account validated. How can they validate this? I have not received any kind of validation or proof of contract with my signature with 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 2018-02-18
Company: EQUIFAX, INC.
State: IN
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:
XXXX  FAILED TO UPDATE XXXX LOAN NO.XXXX, THIS ACCOUNT WAS DISCHARGED ON XX/XX/XXXX. UPDATE TRADELINE AS A DEBT CANCELLATION OF XXXX. PAID CLOSED CANCELLED.

ALSO, XXXX XXXX XXXX   NO.XXXX WAS REPORTING PAYING AS AGREED NEVER LATE PRIOR TO THE BANKRUPTCY OF XX/XX/XXXX.

RE-INSERT XXXX XXXX XXXX NO.XXXX. PAID IN FULL VER LATE AND CLOSED.

LASTLY, XXXX XXXX XXXX IN AN INVALID TRADE OF XXXX.

UPDATE STATUS PAID IN FULL, CLOSED/TRASFERRED TO RCS. XXXX IS NAMMED IN BANKRUPTCY XX/XX/XXXX AND DISCHARGED XX/XX/XXXX.

DELETE ALL HARD INQUIRIES FOR THEY ARE INCLUDED IN BANKRUPTCY.

Company response to consumer: Closed with explanation