BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-22
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account was including in my chapter XXXX bk. The payments have been made and the bk is discharged. The debt buyer will not release the lien against my property as such I cant sell, refi, or repair my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Capital one requested a hard inquiry of my credit report on XXXX XXXX that was not authorized or request by me. I tried to contact that company, and they didnt resolved the issue. I lost about 10 points in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have sent letters to these three companies and asked them to stop the unauthorized inquiries and have them removed from my credit report. However, it has been 60 days and I have had no response from them. The letters were sent by certified mail, so I am sure when they were received. I called TransUnion customer service would not help and take care of the negative inquiries reporting to your credit report. 

XX/XX/2019 XXXX XXXX XXXX XXXX Tx XXXX XX/XX/2019 XXXX XXXX XXXX XXXX , NC XXXX XX/XX/2019 XXXX XXXX XXXX TX 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 2019-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I ended employment with XXXX early XXXX. I keep contacting XXXX   XXXX to get my 401 transferred or cashed out. I keep getting the employer hasnt sent us information if its too long we will contact them. Why hasnt XXXX XXXXXXXX  called XXXX to verify my termination so I can access the funds which I put in!! Instead they rather sit on my funds and benefit from the interest it draws!

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 2018-01-22
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase let a fraudulent company charge my credit card account with a membership fees they did not have the right to charge, because this organization did not provide me service, more importantly, I did not provide this organization with my credit card information and I did not give them permission to use my credit card or charge me for this non existence service. 

After this organization charge me a fraudulent fee which affect my balance, my automatic payment was somehow cancelled on this credit card created a late payment fee, though if there was no fraudulent charge in the first place, this would not have happened. Then when I closed this account with chase because they did not help me resolve this problem to my satisfaction, chase report a negative on my credit card account with a delinquent status on a late payment created because they let a fraudulent charge happened on my account without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
I have tried to dispute two items with Transunion, and the credit reporting agency steadfastly refuses to update their records to reflect what is in my XXXX report. If they dont comply and soon, then I feel at this point the only option left for me is to pursue a remedy in either small claims court or through the federal court system. 

The two items in dispute are an account from a company named XXXX back in XXXX which is no longer in business as I understand it and a student loan from XXXX ( a private company ). The student loan was in constant deference until it was transferred to another agency where the loans were entirely discharged due to my XXXX XXXX. XXXX continuously reported the loans late on my credit even though they never were.

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 2018-01-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I can not access my online checking and savings despite several attempts to reset my password via email /text message conformation. However I was sent an email of a over drawn balance although I did not have any account activity.

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 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have called/written to dispute this inaccurate information on my credit report and let them know this information is inaccurate. I have sent the recommended documents to get this resolved. The following accounts are listed incorrectly XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX/XXXX, The XXXX XXXX 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 2018-08-31
Company: VW Credit
State: IL
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:
There's a fraudulent account being reported to my XXXX  credit report. I have sent numerous disputes letters to XXXX along with a police report and FTC affidavit notarized and they will not remove the account. It's a fraudulent account reported by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL. XXXX dating back XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: COMMERCE BANK
State: MO
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 worked for Commerce Bank I recieved a loan from this bank i worked in the same department for two years which was installment loan collections. I put my two weeks notice in XX/XX/XXXX they let me go a week before my two weeks was up on XX/XX/XXXX. All of my car payments have been made prior to 65 days past due until recent. I made a partcial payment for XX/XX/XXXX leaving me with less that {$180.00} when my car payment was {$470.00}. I fell behind for a full payment for XX/XX/XXXX and XX/XX/XXXX. They put my car out for reposession at 65 days past due. My account being an employee or ex employee is being handled by my co workers that i worked with daily instead of management. When they claimed that my car was repoed because of no communication. I advised them that due to the hostile work enviornment and the way they choose to terminate my employment I chose not to speak with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 did not authorize any of these accounts I've been 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 explanation
Consumer complaint received 2019-07-19
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank refuses to allow me, XXXX XXXX the coborrower on the loan to pay to avoid defaulting on the mortgage. I've attempted to pay both online and over the phone.

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 2018-01-15
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, My name is XXXX XXXX, On XXXX/XXXX/XXXX I called Discover customer Service and was told that my Credit Card was canceled. I had just made a payment of XXXX. I struggled to make payments back in XXXX due to a job loss. I was able to eventually get caught and have been making payments on time for about 2 years, my card available balance was not made available to me for about 2 years and also my card was restricted from my personal use, I was told this would only be for a short time. I feel that I was lied to so that discover could continue to receive payments from me. when I called on XXXX/XXXX/XXXX I was told a letter was sent out to me verify that my card had been canceled. I have never received a notice in the mail nor an e-mail or anything about this. I have also have been paying extra on my payments in the last year. I do n't think this is fare because closing this account will affect my credit. Discover advertise false advisement on how much their customers are important. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I filled out a application online for a car and on the website it says that there will be no credit check. This happen on XXXX XXXX 2017 they also try to get money from capital one which is now on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Lowes CC through Syncrony Bank. I paid off my account on the due date of XX/XX/XXXX They assessed a late fee on XX/XX/XXXX a day before it was late. They said it would be reversed when the payment posts, but in my opinion I should not have been assessed a fee until XX/XX/XXXX at least. Also, if it takes them 24-48 hours to post the payment, the fee should not be assessed until they get payments posted for that day. I paid online through their website so they knew about the payment when I called them. This is heavy handed unfair practice and makes me feel like I am required to pay before the bill is actually due.

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 2018-01-15
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo is creating false statements and including them on formal documents. They sent me an escrow analysis, which is a formal legal document, during the 1st week of XX/XX/XXXX and on the document they wrote that I had a XXXX overage but that they would not send it to me because I was delinquent. 
That statement that I was delinquent was a false statement and by putting it in the document Wells Fargo is making it an official record. The Facts are my payments are not delinquent, and have not been. Here are the dates that Wells Fargo has cashed my monthly ACH transfers. 
XXXX {$850.00} XXXX {$850.00} XXXX {$850.00} XXXX {$850.00} XXXX {$850.00}XX/XX/XXXX {$850.00}XX/XX/XXXX {$850.00} fee added XXXX ( XXXX )XX/XX/XXXX {$850.00}XX/XX/XXXX {$850.00} This Loan is a VA Loan and the VA has made it very clear to Wells Fargo that my payments are not late until after the XXXX of each month. Yet I am receiving many harassing calls from Wells Fargo. They call over and over again and then when I dont answer they dont leave any message. In addition, Wells Fargo monthy statement they send me each month clearly says that if I should send payment after the XXXX to add a late fee. So then Wells is completely aware that late is after the XXXX of the month as has been explained to Wells by the Veterans Administration. Wells has also been warned they can not write any addition to the loan agreement that does not align with VA guidelines. Yet each month they harass me and create these false documents. 

Over the past 2 years I have complained that Wells was over charging me on their escrow analysis which they deny, yet 4 times over the past 2 years they have had to send me back overages, and twice they have had to repay to escrow money they have move to other areas. This type of falsification is indicative of the corrupt experience I have from Wells Fargo. 

Moreover, Wells is now saying they are raising the monthly amount to XXXX, an increase of {$1.00}. One week later I receive an overage check for {$17.00}. The logic here escapes me. 

First they falsely claim delinquency, then they say there is not enough in escrow to support a {$1.00} increase, then they send an overage check worth more than a year worth of the increase. This is highly unprofessional and suspect. 

Lastly the normal procedure is that if there is a shortage, the mortgagee usually has the option of sending in that shortage amount to maintain the rate. Wells in their XXXX did not include any option to send in pay. In fact they took money out of escrow claiming excess then claimed insufficient funds available to maintain escrow.

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 2019-07-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have called/written to dispute this inaccurate information on my credit report and let them know this information is inaccurate. I have sent the recommended documents to get this resolved. The following accounts are listed incorrectly XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2018-01-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get my free annual credit report from XXXX but it never verifies my information. None of the questions they ask pertain to me. None of the information is mine and it doesnt matches anything. I need my XXXX, experian and XXXX updated reports.

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 2022-01-11
Company: CarMax, Inc.
State: IL
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:
Carmax Auto Finance have not updated my credit report since XX/XX/2021. A dispute was sent thru XXXX and per XXXX representative CarMax Auto Finance have not responded. This is now violating the FCRA. My account is paid and closed. Ive also sent a complaint for XXXX. XXXX and XXXX have been updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was issued a refund in the amount of {$2200.00} from paypal to a CLOSED XXXX XXXX checking account on XX/XX/2019. Once I discovered this error, I went to a local XXXX XXXX branch in mid XX/XX/XXXX. They told me that if the account was closed then the funds would have been returned to paypal. So i called paypal many, many times requesting a trace. They said the funds went to the bank and they do not have them. This issue has been going on since XXXX when paypal would not allow the order to be refunded. I then filed a complain with the Pennsylvania attorney generals office which you will see the result in the attached files ( if i can attach files ).  I don't know what else to do besides file this complaint as both paypal and citizens bank keep giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
This account was included in bankruptcy in XX/XX/2018. With XXXX balance and this account became inactive and cancelled along with the credit card ... In XX/XX/2018, I started getting charges each month which the first charge was {$3.00} which was charged every month with interest, totalling {$190.00}. I disputed this item 2 times asking for specific information showing information proving these charges. Which I have not to this date, been provided any such information. The only thing I received was the information from the credit bureau ( XXXX XXXX XXXX XXXX ) that the information has been verified totally ignoring my request. This incorrect information has affected my credit and I am asking that this item be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX XXXX, I contact personally a representative of TD Bank in XXXX Florida because I was trying for about 5 times to link my checking account with my XXXX  account and every time that I was executing this action I received a message in my XXXX account that said " TD Bank is blocking you from enabling external applications ''. This representative toll me that I have to wait 30 days in order to successfully link my accounts. No other solutions to this issue was offered. 
Then on XXXX XXXX, I called TD Bank customer service # XXXX, talked to a representative that told me that all the restrictions in my checking account were lifted and that I should not have any problem trying to link with my XXXX account. I tried to link the two accounts again with no success. 
Please can you help me to solve this issue?? I hope you will .... 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I requested a letter from the U.S. Bankruptcy Court XXXX  District of Ohio in reference to me filing for it in XXXX. I got a letter back from the Clerk stating that they do NOT report to ANY credit bureaus yet my Bankruptcy ended up on all three of my credit reports and has been for over 8 years. I got a message back from one of the credit bureaus that suggested that XXXX put that information on them. I sent XXXX a letter requesting 'demanding '' that they REMOVE said info from their data base and they did HOWEVER XXXX, TransUnion and XXXX REFUSE to remove said information even when I mailed them the same info I sent to XXXX . 

XXXX had no business reporting my bankruptcy to the credit bureaus, they are NOT a credit reporting agency they SAID they are a consumer reporting agency which does not LEGALLY qualify them to report any financial information to any creditors or credit agencies.

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 2019-02-07
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I can't access my Wells Fargo checking account. I have two credit card bills due this week, and I want to pay my mortgage.

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