BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
I opened a secured card with Bank of America with a {$500.00} credit limit where I paid the {$500.00} and was able to use the card and make monthly payments. This was to help build my credit instead the card came with higher than normal interest and fees. I lost my job and fell behind in making my monthly payment on the card. I have tried to work out an agreement with Bank of America to pay this card to no avail. The bank is saying I now owe {$1000.00} but how when the credit limit was only {$500.00} and I put up the {$500.00} to use as collateral. Bank of America is a rip off to hard working people trying to improve their credit and especially to minorities like myself. I want this charge off from XX/XX/07 off of my credit and a full audit of the account in question and all late fees, and high interest removed along with my {$500.00} credited to this account and call it even for I don't owe {$1000.00}

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 2020-10-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a letter from HSBC US about my two accounts there, one is a savings account and the other a checking. They are saying they will shut down my account if I don't take action. 

They gave me 3 options to keep the account open. 1 ) Do a transaction, 2 ) call them, 3 ) provide a notarized signature. 

3 ) is prohibitive for me to do 2 ) I tried to do at least 4 times, wasting at least 1.5 hours trying to get someone to answer my question on how to keep the account open. After getting flipped to multiple reps on each call and no one having a good idea of how to resolve this, I eventually gave up on this path. At least 1 time, I got hung up on after being on hold for 20 minutes.

1 ) I tried to do a transaction via their web portal, but they froze me out and asked me to call them. Which I obviously tried to do in 2 ) and was unable to get anywhere after 1.5 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX and XXXX XXXX XXXX are double reporting on the same debt on my credit file. As per my understanding, it is a violation of the FCRA for 2 agencies to report on the same debt. This needs to be fixed 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 explanation
Consumer complaint received 2020-05-19
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Caliber Home Loans, Inc failed to acknowledge that my obligation to this property was satisfied and completed on XX/XX/XXXX through the Bankruptcy which remedied all outstanding obligations. The court document- Motion to Value and Determine Secured Status of Lien on Real Property was agreed by both parties in XX/XX/XXXX without objection to a new value of $ XXXX not the value Caliber reported to the credit bureaus- {$64000.00}. The new value/debt of $ {$38000.00} was successfully paid upon completion of the plan which is demonstrated by the attachments. As a result of Caliber reporting non payments- my credit score dropped approx 42 points and my credit card closed by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: VW Credit
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:
I am a 6 year, 2 car lease customer of XXXX.Despite logging in to pay my XX/XX/XXXX bill, the payment did not post ( 1st time in 6 years ) .Emailed President of XXXX . A " special IT investigation " was launched to see if there is any evidence of logging into pay XX/XX/XXXX payment as the VW Financial Agent " XXXX '' said that if they see I logged in on the day I said that would show intent and that would substantiate that I tried to pay my bill. They called me and said the report shows I did login like I said I did. However, the report coincidentally stopped short of providing what they deemed necessary to show " intent ''. They said the report shows I logged in on the same day I have for XXXX past 6 years. However, they didn't release anymore info and closed the case. I requested a copy of the " IT Investigation '' report. They then stopped returning my calls. I feel not only are they hiding information needed to clear report, but they are also retaliating for a prior lawsuit I had with them in which I prevailed. My credit has seriously suffered due to this incident. I want to subpoena the reports and clear this false late payment. 

Based on their logic they are saying the following : I did in fact login as I said I did on the same day I have for 6 years prior to pay my bill. However, this time I intentionally decided to not pay my bill after logging in, ruin my long standing perfect line of credit with them, and logout. 

This is ludicrous. I now can't purchase a home as I intended this year, a new car since my 2nd XXXX is up in a couple months, etc etc. This is not right and I want this false report removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
on XXXX XXXX, i sent transunion a document concerning inaccurate and incomplete items they are reporting on my credit report.it was sent out usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and was delivered on XXXX XXXX has been over a month and i have not heard anything from them concerning this matter, so they have violated the law by not reporting within the 30 days time period and i would like for the inaccurate items be deleted 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 2018-07-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Wells Fargo dealer services is reporting, consumer dispute 90 days late /closed. Instead of paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My wife and I had multiple accounts opened up at Wells Fargo Bank fraudulently in early May. I looks like a total of 5 accounts. 

We have tried numerous times to get the accounts closed and to try to understand what happened. We have had to endure incorrect information, multiple telephone calls to different departments and have yet to get clean closure in writing for our satisfaction. 

We are very concerned that a bank can open up a checking account without proper verification and believe that Wells Fargo needs to change their account opening procedures. 

We are very concerned that our compromised information will be further misused and want to get more information about how this happened. We have purchased a monitoring service on our credit and identity and while we have not seen any money disappear we are looking for answers to try to fix this. We are in new territory and thought that Wells Fargo would help us out but they were more of an impediment than help when I believe that their faulty procedures contributed to this problem.

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 2020-05-19
Company: SLM CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was informed on XX/XX/2020 via email that my account was placed in a frozen status based on suspicious activity. The letter stated to contact them as soon as possible to resolve the issue. I called on XX/XX/XXXX and was told by XXXX I needed to submit by postal mail a color copy of my ID and 3 bank statements OR pay the balance due to unfreeze the account. I asked what led to this - were their suspicious charges? The response was " can not explain suspicious activity or confirm there even is any ''. 

I had already reviewed the charges posted to the account and they were all legit. 

I sent the requested info by postal mail and continued to pay the balance in full by due date. 

The next statement arrived and found the rewards feature of the account had also been frozen. 

I called to follow-up on XX/XX/2020 and was told by XXXX they had not received the requested documents - to call back in a week or so. 

I called to follow-up on XX/XX/202 and was told by XXXX they have not received the requested documents and someone would call me when they arrived. 

I called to follow up on XX/XX/2020 and was told by XXXX she could not confirm whether the requested documents had arrived or not. I told her that I had since paid the balance in full - could they unfreeze the account? She said no - I must submit the requested documents AND pay the balance in full. This was a change from what I was originally told. 

I am left to wonder - if they can not provide any info on the alleged suspicious activity - had my identity been compromised? Or some other suspicious activity in my name occurring? Am I the one they are suspicious of? It seems very unreasonable to take this action and refuse to provide any additional info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
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:
Un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XXXX date I filed a XXXX  compliant about my car insurance XXXX Requesting a response but no call back or email happen. Then my car from insurance got deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been disputing fraud accounts on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$280.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 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 2023-02-03
Company: JPMORGAN CHASE & CO.
State: OH
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:
hard inquiry on XX/XX/2023, i did NOT apply for a credit card. reported as fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20
Company: SYNCHRONY FINANCIAL
State: KS
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:
On XX/XX/2019 I made a payment of XXXX to my credit card serviced by synchrony. The credit card company hadn't posted it by XX/XX/XXXX so I call them. They said there is a known issue of payments not posting that day. I said I wanted to dispute the missing payment. They said no they would not do it. They have no timeline for a fix and they acknowledged fees may show on the account because of their mistake. They said they may reverse the fees but why go through all that when I should be able to just dispute it and have it corrected right away. They said this is effecting everyone who made a payment on XX/XX/XXXX. How many people is this mistake hurting is unknown but please help them.

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 2023-07-09
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
This Fraudulent account appearing on my credit report. XXXX. XXXX XXXX XXXX This account was removed from my transunion account immediately please remove from XXXX and Equifix as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hi there, My wife and I both enrolled a 1 % deposit bonus program in XX/XX/2018 at Ally bank. This offer was giving each customer 1 % bonus of total deposit amounts. After contact with Ally bank, I was told we both can not receive the deposit bonus because we have withdrawn some funds from our previous joint account. However, I don't accept their explanation so I would like to submit this complaint. 

My wife and I used to have a joint XXXX High Yield Certificate of Deposit ( CD ) ending in XXXX and we closed it and withdraw {$100000.00} from this account. After closing this account ending in XXXX, we opened two different Certificate of Deposit ( CD ) individually. I opened a No Penalty 11 Month CD account ending in XXXX and deposited {$100000.00}. My wife opened a 12 month CD ending with XXXX and deposited {$85000.00}. 

Ally explained to me that because I deposit {$100000.00} and withdraw {$100000.00} from the joint account XXXX, I didn't qualify for the promotion. For my wife, she deposited {$85000.00} and withdraw {$100000.00} from the joint account XXXX, she didn't qualify for the promotion either. Obviously, Ally bank mistakenly counted the closed joint account XXXX twice, make my wife and I both missed this promotion.My understand is if {$100000.00} of closing account was counted on my account, it would not be counted again on my wife 's account. So at least the {$85000.00} of my wife 's deposit should be counted as new external funds and she is supposed to receive a {$850.00} deposit bonus. 

I submit this complaint to ask Ally bank help us to fix this issue? 

Thanks 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 monetary relief
Consumer complaint received 2017-08-08
Company: HW Holding, Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a XXXX alert that my credit report has " changed. '' Incidentally, when I signed in, I saw a Hunter Warfield collection. It had raised approximately {$25.00}. I was not aware that it was there. I have never purchased any products or services with this company. ( I have been a victim of identity theft  in the past, so this is likely a product of that unfortunate experience. ) Nevertheless, I observed that the amount they are attempting to collect is in excess of what they say the original balance was by {$1400.00}. ( {$5700.00} and XXXX respectively. ) And the site displays a difference of thirty-five per cent. This creditor ( whomever they are ) is in violation of the Truth In Lending Act because raising the balance they are attempting to collect requires notification of charges to the consumer. {$1400.00} is excessive, even for someone that would have even incurred the original debt. I have received nothing by mail, nor any other collections conduit to have been notified of said " balance increases. '' Furthermore, it is only recently ( the past week ) that I have taken notice of the XXXX dollars. Presumably, this has been going on for several years, perhaps even prior to me even monitoring my credit and has gone unknown and thereby Hunter Warfield Inc., is likely to have been violating my consumer rights the entire time without my knowledge that there was even a collection in my name. I never opened an account with this company, nor have I ever incurred charges with an agency at the mount of {$4200.00}. This is very upsetting and I ask that they do not contact me at this time, rather they may respond via CFPB. A dispute has been issued via XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Rent Recovery Solutions
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I certified mailed notarized letters to XXXX and XXXX on XX/XX/2020 and XX/XX/2020 disputing and requesting debt verification an validation demanding physical documents with my signature or any legally binding instruments that can prove my connecting to owing the debt placed by Rent Recovery Solutions, LLC. The collection account placed on my credit file was for XXXX XXXX in the amount of {$2400.00}. Rent Recovery Solutions, LLC. verified and validated the collections account with XXXX and XXXX both times without ever providing any of the requested documentation to verify or validate the collection account placed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
Contacted Equifax, since I am not able to get my credit report with them. 

Initially they said they need proof of my identity so they request a fax with my drivers license and social security card. I did several times and received response they weren't able to verify my identity. 
Called again Equifax and they confirmed they received the copy of my social security card, driver license and request of credit report but they just don't have a credit report for me. 

They said they created a report but the credit file is just empty, no accounts is been transmitted from my lenders. They asked me to contact my lenders to verify they are doing they job reporting the credit accounts. 

I contacted my lenders, XXXX ( 2 accounts ), XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX and all lenders said the same : they are reporting to all major credit bureaus. 

Had to call Equifax one more time and they required one more time to contact my lenders. The problem is that everytime I contact Equifax they don't get anything done and change the situation, at the beginig they said it was a fraud alert, later they said it was a issue with my lenders and now they said is a problem from the Equifax Buisness department??.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Santander Consumer USA Holdings Inc.
State: TN
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:
Chrysler Capital has been inaccurately reporting data to the three credit bureaus. They have reported me as having late payments for the months XXXX, XXXX & XXXX. Attached, you will find that I paid my car note on time for the months XXXX, XXXX & XXXX. Therefore, the information they've provided to the bureaus is incorrect and should reflect the truth. This is negatively impacting my credit score for no reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital Services, which I hold no contract with & have never had any business affiliations with, reported a collection to my social security #. A debt in the amount of {$1800.00}, has been reported to XXXX, XXXX & XXXX credit reporting agencies. I have requested validation of this debt on X/X/17, but Resurgent Capital Services has failed to provide adequate proof.

Company response to consumer: Closed with explanation