BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: Experian Information Solutions Inc.
State: GA
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   XXXX   XXXX   2017   XXXX   XXXX   XXXX   in  XXXX  GA submitted requests to multiple lenders who pulled my credit report. This created multiple Hard Inquires on my credit report driving my score down even further.
I did not provide written nor verbal authorization for my credit to be investigated, in fact I was in NY at the time. My wife was shopping for a car at the time but she did not/can not authorization of my credit.
I would like the dealer 's credit practices reviewed for compliance to FCRA.

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 2020-08-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Td bank offered me the debit card advance. I enrolled days ago and it took till yesterday. The bank told me keep trying every day that it's the computer that will issue the funds. So I tryed it yesterday. They said it was only one transaction that it would allow! I took out XXXX. Then I tried it again it let me do it 3 more times. I had major XXXX 3 weeks ago and it left me in a hard financial times. Now I'm negative in my account! I'm XXXX so every XXXX helps! And they were supposed to take it out of my account when I get my direct deposit next week. I don't know what to do now?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27
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:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
sent ftc of inaccurate information showing up on credit report XXXX, Transunion, and XXXX has inaccurate information most might not even be mine please correct the inaccurate information ... .. Violation cra

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 2020-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello - I reached out to Bank of America in XXXX of XXXX to look into refinancing my existing home loan. The main reason I went with them is because they have the loan already and I thought I could save some money/time. 

After going back and forth between loan officers the process got so confusing that I started asking questions. Knowing what I could sign electronically and what I couldn't was almost impossible to tell through their portal. Half of the time, uploading docs through the portal wouldn't work even though I ensured their size and formatting was correct. My questions to my primary and secondary loan officers went without answers. 

I pinged them multiple times to see where the loan was at - no response. When I finally got a hold of my loan officer, the time to provide documents that I didn't know the underwriters were asking for, had lapsed. Loan/attempt # 1 : Dead. 

The loan officer was so nice and convincing when talking to him about the disfunction - he owned up to not calling/communicating in a timely fashion. I was also now able to get a lower rate, so I went for it again. 

In early XXXX I tried the entire process again - paying for a new credit app fee again. Scanning documents and chasing info down again. This time I got it back to them very fast, concerned that the loan application could have the same issues as the first. 

The last correspondence I had with a loan officer was on XX/XX/XXXX. I made sure that the ball was in their court and I have that email to prove it. After getting nothing else back, I started to check in again with them to see where we were at. Each request got nothing back, so on XXXX, I CC 'd management and asked if they could get me a status. 

The sales manager/vice president ( of what I do not know ) came back with an email on XXXX stating that the loan had expired because of lack of needed documentation. I shared with him the email proving that I was in good standing and providing docs when asked. This time the Refi process went from " you are good, we will let you know '' to " the loan has expired because of the lack of documentation '' within 2 weeks. Each time I asked for a status after XX/XX/XXXX I got nothing back. 

They are supposedly working on getting me credited both credit application fees. Thank goodness there wasn't an appraisal fee associated. I will never use BOA again and will be actively shopping my refi around with someone else that I can hopefully trust. Sharing this in hopes that other will also avoid spending a ton of time and energy for nothing - stay away from BOA!!!

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 2020-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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: Overcharged for something you did purchase with the card

Complaint:
Bough one XXXX XXXX  on XX/XX/XXXX from XXXX, ordered XXXX charged {$350.00} AND {$350.00} on XX/XX/XXXX XXXX or XX/XX/XXXX ). One of them is a fraudulent charge. Called Walmart credit card company Capital one, refunded {$350.00} on XXXX XXXX capital one recharged {$350.00} on XX/XX/XXXX. A letter sent to me confirmed the credit card company took back the refund. ( capital one case number, XXXX ). Chat with XXXX online customer service on XX/XX/2020. It was confirmed XXXX only charged {$350.00} with Success, XXXX XX/XX/2020 - XXXX XXXX  Another charge of {$350.00} is a fraudulent charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( 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 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: MS
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:
Company did not provide me with physical documents verifying that the debt is mine, along with the signed Hippa rights. I have already filed an dispute. It remained. There are 2 XXXX Accounts on my credit file. I would like for them to be removed.

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 2020-05-12
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have an overdraft fee of {$63.00} for transferring .MY funds to another account this is the second time I had this issuse its my money and my account and I should be able to do what I want with my account I don't understand the purpose of charging me for transferring plus a mainetence fee every month I work a part time job and I don't have have any money to give away especially during this pandemic.

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 2018-05-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
USAA Savings Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: WELLS FARGO & COMPANY
State: TX
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:
XX/XX/2020 To Whom It May Concern : I had a Company Sponsored 401k account with Wells Fargo Retirement. After losing my job I called in and filled out the paperwork to roll out my funds. I paid extra for the check to be XXXX XXXX. The check was supposed to be here on the XX/XX/XXXX. The XXXX XXXX tracking shows the letter was delivered but I did not get the package. I looked at my Security Camera and the only package that day was a box no letter. I called on XX/XX/XXXX and the call was recorded so please listen to that call. I have been under a great deal of stress and have tried to deal with this issue the best I can. A stop payment was put on a check. I was told to write a letter to your Retirement center but the address was so long that I have having a hard time writing down the address. I told the rep I was so upset that I was having XXXX XXXX feelings and needed him to email me the address. That was not possible so he offered a Fax Number. I was told to just write a letter that says I did not get the check. I was told the letter had to be notarized. Under Covid 19 here everything is closed or barely open. I called my Bank they are closed to the lobby and suggested a pack and mail or XXXX  store. I went running out of the house to the XXXX store and XXXX later faxed a letter to you that was notarized. I have the confirmation that the letter was faxed by the XXXX store which I had to pay for again. I was told the letter would be scanned in as short as a few hours or it could take a day or two. 
Today, XX/XX/2020 I called after giving it a day for my letter to be scanned into the system. I was totally blown away, the letter is not what you NEEDED from me. Rather you sent me a form? I am so upset and in utter dispair as this time. I dont know what to believe. Each time I tried to call Wells Fargo it takes a min of 45 mins and most times you tell me to wait for a call back. I usually have to set aside two plus hours to deal with this issue. Today again 45 mins later, I am told a totally different process I am waiting for a manager to call but again it may take a few days.

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 2021-05-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I called to question late fees of {$38.00} from XXXX XXXX. I spoke with customer service. What was found is that since the due date on my account is the XX/XX/XXXX of the month and my payments came in at the end of the prior month the late fees are assessed because it is 2 different months. The bank refused to refund any of the late fees and told me they can't change the due date due to the account being closed. I want the account closed and am working to pay it off but am unable to because of all of the fees I am being charged because my due date just so happens to be at the beginning of the month. I have my payments scheduled for biweekly deductions and 2 to 3 payments are sent in a month. Her resolution was " is there any way you can get paid on the XX/XX/XXXX and just send the payment then ''. In the past year they have charged me {$500.00} or more in late fees due this. The customer service rep has verified that the way I make my payments does ensure that the payment is made and actually gives more payments then necessary however their system doesn't capture in the month it should because the due date is on the XX/XX/XXXX. If I send a payment on the XX/XX/XXXX it will go to that month and I will still be charged a late fee because the month is different.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Bread Financial Holdings, Inc.
State: MO
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:
There are several over the last few months I have never applied for or even heard of. Some using diff names than my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My issue is with the Credit Rating Agencies. I had a " Excellent '' personal and business credit rating for over 25 years. Like so many others I lost everything as a direct result of the XX/XX/XXXX financial meltdown and was forced to file for bankruptcy. I spent the last 7 years rebuilding and now have a " Good '' credit rating and sizable amount of cash. I'm unable to secure a mortgage or have access to reasonable interest rates because the " rating agencies '' insist on keeping a bankruptcy on record for 10 years. This is an archaic and arbitrary time frame that is hurting the consumer and the economy. Someone has to look at this problem and apply a little common sense. I sent detailed letters to CFPB on XX/XX/XXXX and again on XX/XX/XXXX with no response.

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 2018-06-26
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I'm getting help writing this due to declining health ... I got into a loan w/Prestige Financial b/c my Bankruptcy Attorney advised it would be better for my credit to get a high interest vehicle loan. The vehicles loan was so much but when I got it appraised its was worth less than the actual loan ... When I got laid off from my job in 2015 I've just been struggling to pay but lender will not refinance loan to lower payments and whenever I look to get out of this vehicle to a lower paying one they call my employers, send me harassing emails saying that I'm lying to them, that no one will help me and that the only way to stop paying such a high loan is to surrender the vehicle and try my luck with my credit. This past week my father was actually using my credit to coappy with me and Prestige called my employer posing as another entity to perform VOE and they called/emailed me to say, they've checked in on me that I was lying on application forms and that because I was refusing their help they were going to prevent me from getting any help to lower my payments or get out of the car to get into a more affordable vehicle. I've advised them of my medical issues ( without giving them my prognosis or anything ) but their calls/emails are rude and due to my health it's easier to ignore them because they cause emotional duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft and I have sent a police report but Walmart says I had this card and benefited from it because payment was made on it.i believe the thief made payments untill they got the credit limit up and then defaulted on it.i never had a Walmart card and I never made purchases on it and the payments were all made electronically.nobody has shown me the original contract.i will not pay on a fradulent account and I will keep disputing this until Walmart realizes this is fraud.i spoke with the fraud department and the lady was very understanding.this is not mine to prove it is 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 2020-08-28
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Had initiated a security freeze several months back when compromised data was an issue! Now EXPERIAN is making it very difficult to get this removed! Unacceptable practices, asking me to mail in multiple forms of ID could not remove online, even though thats where initiated the freeze from in the first place! Other two credit bureaus super easy to remove. This is the kind of practices that makes consumers very angry!!

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 2020-10-13
Company: JPMORGAN CHASE & CO.
State: GA
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:
Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( 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 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation