BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-17
Company: Resurgent Capital Services L.P.
State: MA
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:
XXXX XXXX XXXX XXXX . refuses to remove inaccurate negative remarks from my credit report after my repeated attempts to have them corrected.

On XX/XX/XXXX, I opened an individual credit card account ( acct ending XXXX ) with XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX, ( XXXX ) XXXX ) with a credit limit of {$300.00}. After not paying the overdue balance for some time, the account was closed in XX/XX/XXXX, and transferred to a collection agency ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX ). In less than a year, I paid XXXX XXXX according to an agreed-upon payment plan settling the debt in full.

Over a year and a half years ago, when I started paying closer attention to my credit score, I noticed that there were some negative remarks on my credit report related to this card. As of this complaint, there are 6 negative remarks remaining on this account over the last 24 months, stating that I missed payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not accurate as I had settled that out 3 year earlier. I reached out to both XXXX XXXX XXXX and to XXXX XXXX on numerous occasions, with both continuing to state that it was the other institution 's responsibility. I enlisted the efforts of a credit repair company, XXXX XXXX XXXX XXXX, for over 18 months at $ XXXX/month to try to get them to remove the negative remarks, but XXXX XXXX XXXX and XXXX XXXX maintained the same lack of responsibility. I contacted the three major credit bureaus myself to dispute and have them investigate, and still XXXX XXXX XXXX refused to remove these negative remarks that are highly injurious to my credit. The note that was added for me to this page of my XXXX report states : " Payments were made in compliance with the negotiated schedule. '' My individual credit report on XXXX  notes that the Balance is {$0.00}, and the Past Due Amount is {$0.00}.

I continue to be very frustrated by this, as it is negatively affecting my credit rating.

Hopefully this can get resolved soon. I do n't want to have to hire an attorney for this issue, as I 've already paid in over {$1000.00} for the services of XXXX XXXX I have attached the only letter that was sent to me from XXXX XXXX XXXX  regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: MOHELA
State: IN
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:
The FCRA stimulates that student loans are need based loans, they didnt view credit score when you borrowed money so why is it on a credit report its not credit based. Also, according to the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. So there should have no late payments in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have not been able to close my account. I sent an email and was told to call the 800 number. I called the 800 number and the person told me the account was closed two weeks ago. Then I received documentation in the mail that the bank said I had to fill out. I sent it.

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 2019-02-10
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid {$34000.00} as a principal payment to our mortgage which was owned by the company Loancare. This money applied to the loan and then treated as a Misapplication Reversal later, on the day of monthly payment. The mortgage was transferred to different company following the principle payment reversal, but we haven't received $ XXXX back from Loan care. We contacted Loan care twice before XX/XX/2019. We didn't receive any answer from Loan care. our mortgage was sold for the full principle amount even though we had applied the XXXX $ to it. 

Our main concern is below. 
1. We need our money $ XXXX back from Loan care now. 
2. We believe XXXX removed the $ XXXX as Misapplication to sell our loan for a full principle amount even though we had applied money to reduce the principle.

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 2018-01-17
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, Chase bank abruptly locked me out of my account access and did n't provide any justification over the phone. Chase customer service representatives forced me to drive to a local branch for ID verification where Chase staff only said " our detection system is too sensitive '' and no other justification was provided. Account access was restore after ID verification. However, on XX/XX/XXXX, account access was blocked again without advance notice. This practice is outrageous and abusive. I 'm certain that my experience with Chase is not alone. Although I will not be a Chase customer any longer, I think their practice merits a thorough investigation by CFPB to protect other consumers from being abused by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AR
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:
THE FOLLOWING HARD PULLS ARE UNAUTHORIZED AND MUST BE REMOVED OR FACE CLASS ACTION LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter, dated XX/XX/XXXX, from Wakefield & Associates on XX/XX/XXXX for the amount of {$4300.00} on behalf of their client, XXXX XXXX XXXX. I immediately informed them in writing on XX/XX/XXXX and provided them with my supporting documents via XXXX  that I were disputing the validity of the entire debt claimed by their client and considered XXXX XXXX debt claim to be legally baseless and fraudulent On XX/XX/XXXX, I received an email alert from a credit monitoring company that Wakefield & Associates had placed a derogatory remark for collection on my credit report preemptively without any attempts to contact me beyond their first and only letter, dated XX/XX/XXXX. It seems to me that they had decided to ignore my reply and the supporting documents that I had provided to them and filed a derogatory remark for collection to be placed on my credit file with XXXX. 

Also, Wakefield & Associates did not provided me with any credible and/or legally binding documents in support of their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: PENTAGON FEDERAL CREDIT UNION
State: AR
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:
THE FOLLOWING HARD PULLS ARE UNAUTHORIZED AND MUST BE REMOVED OR FACE CLASS ACTION LITIGATION.

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 2021-12-08
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For months I been contacting XXXX to removed derrogaroty remarks out of my credit report. I own Target credit card with TDBank for XXXX years or more, before covid started I put myself behind, NEVER in XXXX years late, with a total line of credit of {$8000.00} never used. 
My Dad got XXXX anf priorities shifted, I still called them and I was unemployed in XXXX for XXXX months and I keep them informed. In XX/XX/XXXX I resolved this debt in a settlement of {$900.00} with XXXX the cpllction company target used to collect, they pulled the wrong amount due to being made over the phone with a debit card ( never again ), they pulled {$1200.00} so the bank reimburse me for {$330.00}. I called them in XXXX I told them I needed to be reported diferent in my credit since I have already paid, they advise me to talk to Target that they do not do any reporting. Is been a a totally struggle and right now this account is preventing me to refinance my home. In XXXX XXXX I sent letters to TDBank , the XXXX credit bureau XXXX to XXXX XXXX after hearing the shoking news that my account have not been paid, this letters included copies of bank statement, letter of settlement and they still doing nothing about it. I also faxed the probe to them and e mail the satements This is unfair dealing I had paid this account in the settlement they agreeded upon which was {$900.00}. I need them to fixed I called the Law firm XXXX XXXX and a lady by the name of XXXX XXXX said that they been handling my case as a complaint not as a dispute and that allow them to revised ONE more time the documents I Sent XX/XX/XXXX to her e mail at XXXX and give them 5 days to call back for the status. 

XXXX of XXXX showed amount pulled by XXXXTarget XXXX XXXX XXXX on XX/XX/XXXX transaction XXXX of XXXX showed amount of {$330.00} a provisional credit from transaction XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had a CD with XXXX XXXX, that was transferred to XXXX XXXX. I was told everything would remain the same, and for two years it did and I was very happy with them. This happiness induced me to open two more Cds with them for a total of three. The latter two CDS were opened with Goldman Sachs. My problem began when they began Using XXXX/Goldman Sachs and transferred these cds to them My problem began when in XX/XX/XXXX they changed my user name to my email address, without any authorization, and will not let me log in without sending to my email address a pin every time I want to Log into my account. I have complained to them numerous times about this problem. 

Today I filed another complaint with them and this time I insisted on a case # XXXX, with a person who said his name was XXXX who refused to provide his last name or employee ID # who said he worked in the XXXX XXXX XXXX Utah office. On the other occasions I complained they sent no written correspondence to say the complaints had been received. Today I requested a copy of my complaint and case # be sent to me. I was told sorry they can not do that. There is simply something very wrong with this situation. 

This use of email address as a user name and forcing people to accept this and logging into a site that is not secure like a bank is supposed to be is absolutely absured and not what I agreed to when these accounts were opened. 

Email can be hacked thus exposing my information to anyone that would hack or intercept an email. I DO NOT WANT MY BANK ACCOUNT NAME TO BE MY EMAIL ADDRESS, It then would let the hacker get not only information to these accounts but all linked accounts. I feel very unsafe with this institution, before they were very nice and responsible now they are HORRIBLE. Even their customer service and accessibility sucks too now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have 8 hard inquiries thats I did not authorized XXXX  : inquiry date XX/XX/XXXX XXXX XXXX : inquiry date XX/XX/XXXX XXXX XXXX : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX Factual data : inquiry date XX/XX/XXXX Factual data : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX Fraud never authorized none of these inquiries I will like them to be remove from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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:
Im a victim of identity theft and these Are the inquiries that occurred from the theft XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
To whom it may concern : I have had a lot of problems with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the XXXX. I had a family business during the recession of XX/XX/XXXX XX/XX/XXXX and the economy got the best of us, but I paid our tax lien of $ 20k -/+. 

The tax lien debt was tendered in XX/XX/XXXX and the XXXX from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the XXXX XXXX XXXX within XXXX XXXX and XXXX XXXX XXXX XXXX. The XXXX also went after my son ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt publicly under my son. I have letters expressing the confusing and I even gave instruction to the XXXX to following up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, RE

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 2018-01-17
Company: Experian Information Solutions Inc.
State: WI
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:
My Social Security number was attacked by XXXX XXXX XXXX for a fraudulent charge of {$930.00} on XX/XX/XXXX. I did n't know charge was on my credit report until I tried to get a loan, then contacted Experian on XX/XX/XXXX. A little research showed they are a fraudulent company, and being sued for these practices. ( " XXXX XXXX XXXX " ) I contacted the credit reporting agency to fix this problem, and they did not remove the charge.

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 2022-10-11
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hard Inquiry NAVY FCU XX/XX/22 XXXX XXXX XXXX XXXXXX/XX/22 I did not apply to either company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is related to complaint # XXXX, which has been closed. The issue is still not resolved. In my previous complaint, I let you know that Wells Fargo refused to send me the paperwork to rollover my retirement account to my primary financial institution, XXXX. After I filed my complaint, they finally did send me the paperwork. I completed it and sent it to them in early XXXX, but no action has been taken. Wells Fargo seems determined to hold onto these funds against my wishes. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Account was hacked with Bank of America. Fraud/Scam within the same hour of the same day. {$300.00} via XXXX XXXX and {$3000.00} via XXXX XXXX Bank of America. I called Bank of America when I realized what happened. I asked for the payments to be stopped and I reported the case. This was in XX/XX/2021 ( I think XX/XX/2021 ) Bank of America opened the case but never opened a new account for me or issued a new card. Nothing. Finally after calling every few days or sometimes days in a row and speaking with several different managers they say they will issue a provisionally credit on XX/XX/2021 in which they did not do and said that it was authorized from my phone. I expressed that my XXXX XXXX XXXX  can not operate a phone in that manner. I did not authorize. They then denied the claim on XX/XX/2021. I then resubmitted and have since had several calls from scammers saying they are Bank of America and XXXX and asking me to verify my information. The bank has not given me any of the funds back as they said they cant retrieve them. They said this was done from my device but there is no way. I have now reported this with XXXX in the event that my device had been hacked. 
I still have an open investigation with local authorities as well. 
Im out {$3300.00} that was in no way shape or form authorized and Im completely devastated that a bank does not have insurance to cover situation like this in order to return the funds to the rightful owner.

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 2021-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX three fraudulent charges were resolved in my favor but due to these charges Capital One Bank placed a hold on my account and is refusing me access to my funds. On XX/XX/XXXX I contacted Capital One bank and was told the local branch teller can call in and the hold would be removed allowing me access to withdraw the funds and close the account, however I was told the account was closed 30 days after filing the claim for fraudulent charges and told a check would be issued to me for all funds available in the account. To date, Capital One Bank continues to deny my access to MY funds. Today, after being told to go to my local branch to get my funds I was denied and told a check would be issued for the funds in my account but again no one can tell me when the check will be submitted. To date, Capital One Bank has denied access to my account including bank statements. I need help. 
Capital One Bank XXXX, Louisiana

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
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 asked Equifax to investigate an account they are reporting on my consumer report. I've sent a total of XXXX letters! Dating back to XX/XX/21. Ive been completely ignored. The dates are XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. Equifax is also reporting a duplicate account on my consumer report as well that needs to be removed immediately. All this inaccurate info is causing me XXXX XXXX especially during a time like COVIDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Ad Astra Recovery Services Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have repeatedly tried to contact AD astra recovery service about a unknown account on my XXXX, XXXX and XXXX  credit reports. I have no idea where this account came from and not has been properly informed. It is hurting my ability to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: EQUIFAX, INC.
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:
Ireceivedacopyofmycreditreportandthereareitemsonmycreditthatarenotmine.IdidntevenknowanythingabouttheseuntilIwasnotofferedajobbecauseoftheseitemsonmycreditPleasehavetheseremoved.XXXXXXXXXXXXXXXX/XXXX(acd#XXXX),XXXXXXXX/XXXXXXXX.XXXXXXXX/XXXXXXXXXXXX,XXXXXXXXXXXXXXXXXXXXXXXXXXXX{XXXX,XXXXXXXX,XXXX/XXXX.XXXX/XXXX/XXXXXXXX/XXXXandXXXXXXXXXXXX.IreachedouttomylocalpoliceandtheFTC.

Company response to consumer: Closed with non-monetary relief