BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: AR
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 husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my 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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my 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 2017-08-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage in the early Fall of 2016. The mortgage was acquired by Wells Fargo with payments to begin in XX/XX/XXXX of 2016. There was an escrow balance transferred at the time of closing. My monthly payments were to be approx. {$1900.00}. I received word from Wells Fargo a couple months ago that the escrow account was underfunded and that resulted in me owing {$5700.00} which could be paid in full or paid over time for an additional {$600.00} a month to my mortgage. This seems grossly negligent, how could {$5700.00} accumulate over just a few months. How could the company not tell me about the potential shortage in advance of it happening so that I could begin paying an adjusted amount immediately, rather than waiting almost a year and allowing almost {$6000.00} debt to accumulate?

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 2019-08-16
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX of Delaware has negative reports on all three credit reporting agencies. I was a victim of identity theft in 2009 and I never had a credit card with them. The identity theft was reported to the authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Might my issues with this bank account it says that it was opened on XX/XX/2016 but I was XXXX so how can I open up account if I was 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 2020-05-21
Company: EQUIFAX, INC.
State: IL
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:
Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. Equifax and XXXX  are reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have  contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I filed a complaint about Credit Acceptance on XX/XX/14. They are now harassing me by repeated calls. I want them to leave me alone, no calls and communicate in writing, if necessary. I only owe XXXX more payments and I want make them in peace. This is typical of the way they work.

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 2021-04-29
Company: Experian Information Solutions 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 made many attempts to dispute the following accounts on my credit file ; these account do not belong to me. This is a case of stolen identity. I have asked Both XXXX XXXX XXXX and XXXX to send me proof that I opened this account. I have not received this proof. Perhaps you can get them to send you the proof. I have submitted them with an affidavit of fraud and I am including a copy of this affidavit. 

These are not my accounts : XXXX  XXXX XXXX - Opened - XX/XX/XXXX ; Balance {$4000.00} XXXX  XXXX XXXX - Opened - XX/XX/XXXX ; Balance {$2500.00} XXXX - XXXX ; Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2020-05-18
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2020 my direct deposit for my unemployment went on my bluebird card, and they cancelled my card for no reason and they wont let me get my money out XXXX was deposited at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: Wilber and Associates, P.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As previously noted, the XXXX  XXXX XXXX owned by Mrs. XXXX XXXX was the victim of a HOSTLE and ANTAGONISTIC assault and battery by an unknown assailant. To be specific, the XXXX XXXX COUNTY SHERIFF 's DEPT. has noted this accident as an assault with a deadly weapon ( A XXXX XXXX XXXX XXXX ; license plate already noted in a previous report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Had major flood In The home. Insurance company paid out $XXXX to me and XXXX XXXX XXXX. XXXX sold mortgage to Flagstar Bank. I paid for all repairs to be done in my home. Sent proof of this to all banks involved. Requested that they refund all money to me as all work has been completed Or take the funds and apply to mortgage payments as I fell behind in mortgage payments.Neither was done. Flagstar has now foreclosure on my home and the house will be auctioned off on XX/XX/2019.  Flagstar still refuses to forward to me the $XXXX   and insist on requesting an inspection and more documents to be sent to 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 2019-08-16
Company: VW Credit
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is an addendum to Complaint # XXXX.in regards to new information discovered on XX/XX/2019. I received a voicemail from XXXX XXXX  of VW Credit in regards to my receipt of an email dated XX/XX/2019 that VW Credit has reported, yet again, that my XXXX  payment has not been made. Volkswagen of America was to have made my XX/XX/XXXX car payment on XX/XX/2019 and was told that the process had been started to remove the lack of payment from my credit report. Today, XX/XX/2019 through voicemail left by Ms. XXXX, I was told that  the check Volkswagen of America sent to VW Credit had a stop payment on it. I was also told that an electronic payment was made on XX/XX/2019. Why was a stop payment placed on the check? Volkswagen treats a long standing customer with indignity. I am the one whose credit is affected. I am the one who is being played with. Well, this is not a game and Volkswagen ought to be ashamed treating me this way after 22 years as a customer. I wish to rid myself of my relationship with Volkswagen and will take steps to do just that. Both VW Credit and Volkswagen of America have cheated me enough. It needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: Experian Information Solutions 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:
These are not my accounts reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: ENCORE CAPITAL GROUP INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I filed a complaint against Midland Funding. I was told in my first complaint to contact XXXX XXXX at ( XXXX ) XXXX ext XXXX. Well I have try several times to call her and get things settle. They do not answer the phone or even call me back. Why am I told to call someone to help me with this matter to only get ignored. I dont understand when someone is trying to settles their debt and cant get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
ONEMAIN had made a hard inquiry on my credit report, send a dispute letter to immediately removed this inquiry from my credit report through XXXX. I haven`t sign any documentation that proves that I have any connection with them. They refuse to do so, impacting my credit report seriously bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XX/XX/XXXXIn XX/XX/XXXX my husband and I went to the sears store to purchase a refrigerator and we wanted to use our current citicard to make to the purchase. BUT the sears sales person insist that if we apply for a sears card there will be no interest charged for the full purchase $XXXX (the total charge for the fridge), and we would just make our monthly minimum payment.I setup bill pay on my bank account because I travel a lot and do not want to miss my payment.OnXX/XX/XXXX after returning from my travel, I received a sears bill in the mail. I opened it and noticed the there was interest charged. So I called immediately and spoke to Mr.  XXXX  about the situation. He explained that not only was I charged for the last two months but I was also charged differed interest for the last years totaling XXXX  interests that are added to my total balance. I WAS VERY DISAPPOINTED BUT he could do nothing to resolve the situation.So I was transferred to supervisor XXXX  (ID XXXX). But he refused to acknowledge that the sales rep did not disclosed all the facts and refused to reverse the interest charges.on XX/XX/XXXX  I spoke to ACCOUNT managers MISS XXXX  MISS XXXX,  MISS XXXX   Miss XXXX  and other customer service Mr. XXXX, Mr. XXXX and all of them refused to address the matter and resolved the issues. SEARS SALES REP LIED TO US This sears citi card company are cheating the American people by not disclosing all the fact and are lying to their customers to get them to sign up for their store credit card(claiming there is no interest charge for the total  purchase but later start charging interest). This is their CHEATING SCHEME.  Cfpb PLEASE HELP STOP THIS CHEATING. THANK YOUSincerelyXXXX and 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 2020-05-18
Company: CITIBANK, N.A.
State: OH
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:
I cancelled a travel reservation through XXXX.com on XX/XX/2020 and was emailed a receipt XXXX after calling them that showed a refund amount of {$350.00}. They have refused to refund the amount, I started a dispute with my XXXX credit card, and they ruled in favor of the merchant. Im pretty sure they didnt even look at my paperwork or the email receipt, because its pretty plain to see that they agreed to refund me.

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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To whom it may concern, I recently looked at my XXXX XXXX account and noticed an inaccurate information on my transunion account in derogatory marks. Some random collection agency is saying i owe them money that I do not owe them. I never authorized money that they claim. Anything Involving cell phones was solved years ago. So I am unsure as to why transunion and this collection agency are saying I owe money when I do not. To my understand 4-5 years ago I had a XXXX XXXX XXXX  phone i transfered over to XXXX  on a promotion that XXXX would take care of any payment money if I switched over which I did. So I am unsure as to why XXXX XXXX XXXX Is  saying unpaid when I was right there at XXXX  when they got paid over the phone. So to me this inaccurate. I also have proof with XXXX has it is not shown on there because I do not owe this money in collections that I am being accused of. If anybody wants to contact me directly regarding said matter please feel free to call me. I just want this inaccurate information removed from credit report asap. Attached doucments are equifax where it does not show the item and ill also send you the transunion where I am being accused by a company named enchaned recovery. Again to my understanding this was all taken care of years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019, my debit card was overcharged by XXXX XXXX XXXX XXXX at a gun show. At the time of sale ( XX/XX/2019), the vendor verbally informed me that the total was {$40.00}, then had me sign a signature pad that did NOT display the total information. I was also asked to write down my address on a piece of paper on a clipboard. However, after the transaction, the vendor did NOT provide me with a receipt. When I went home, instead of a charge for {$40.00} for the muzzle break I brought home, XXXX XXXX XXXX XXXX had charged my account {$560.00}. I immediately went online to try to find contact information for the vendor, but I could not find a website, email or phone number anywhere. I contacted my bank and they gave me a temporary credit for the purchase and initiated an investigation. On XX/XX/19, I received a letter from my bank explaining that the vendor sent my bank a receipt. The receipt shows the total as {$560.00} for a " NonInventory Item '' and my signature beneath it. I never signed any document for this amount, only the blank signature pad. My bank has accepted this fraudulent receipt and is going to reverse the temporary credit they issued me.

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 2018-07-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I heard the company Navient was involved in a class action lawsuit. I originally had {$10000.00} in loans during my schooling at XXXX-XXXX from XX/XX/XXXX to XX/XX/XXXX. The amount of interest that has been charged makes it impossible for the loan to be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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: Account information incorrect

Complaint:
Hello, I have contacted Chase 3 times attempting to resolve this problem. Each time, I am placed on hold for over 40 minutes and no one answers. The customer service reps have difficulty understanding me and have a poor connection on their phone. The reps transfer me to their credit department and I am left hearing very loud distorted heavy metal music, while on hold for 40 minutes.

Anyways ... my credit report shows the following incorrect information for my Chase credit card.

# 1 - The are remarks from Chase stating " Account is in dispute ''.

# 2 - The payment history shows from XX/XX/XXXX to Present. 

I have never disputed this account. Why are these remarks listed on my credit report? Also, the account was in XX/XX/XXXX. The payment history from XX/XX/XXXX to present should be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
contacted capitol one due to paytoll cut of XXXX and taking back former dependents without benefit of assistance.also XXXX illness has affected houehold.sole wage earner at only XXXX per month/i called capitol one last month asked for a long term solution.they only offered 1 month deferment said they had nothing else and continued to charge XXXX intrest rate / i took the one month and need assistance long term .they have to be kidding??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After failing to have a fraudulent account removed from the credit bureaus reported by BBVA USA, I contacted CFPB to file a dispute. Upon filing the orginal dispute with CFPB, immediately I was contacted by BBVA USA Fraud Investigator, XXXX XXXX, in regards to my complaint. XXXX alleged BBVA USA would remove the fraudulent account from the credit bureaus upon receipt of a completed Fraud Affidavit being emailed to her. I followed the steps and completed the document within the 15 day deadline. I submitted the document approximately XX/XX/2021. It took approximately 8 days for XXXX to respond to my email and phone calls confirming receipt, she responded XX/XX/2021. At that time I was told I needed to submit a copy of my driver 's license and a police report if one had been filed. I immediately sent a photocopy of my driver 's license and advised that I had not filed a police report for this particular incident on XX/XX/2021. 
XX/XX/2021 XXXX XXXX submitted a false statement to CFPB alleging that I failed to comply and submit the requested documents to submit a fraud claim. It was also asserted that I was not providing accurate statements in regards to multiple failed attempts to resolve this issue with BBVA USA previous to filing a complaint with CFPB. 
I believe BBVA USA is operating unethically as a business. I believe BBVA USA intentionally failed to respond to my phone calls regarding this matter until CFPB was involved. I believe BBVA USA intentionally failed to acknowledge receipt of my completed Fraud Affidavit and driver 's license submitted by XX/XX/2021 and made false statements on XX/XX/2021 stating that the otems had not been received. Please see attached emails to XXXX  XXXX in Fraud Department. I further believe BBVA USA is attempting to wrongfully collect a debt from me that I am not responsible for.

Company response to consumer: Closed with explanation