BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: AMERICAN ADVISORS GROUP
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We are retirees seeking funds to repair our home We have a manufactured home which is nearly impossible to finance through a typical mortgage so we thought we would apply for a reverse mortgage. 

We applied to AAG and disclosed everything up front to the salesman who of course said 'no problem ' and assured us of several things he proved incorrect on. We paid, up front for counseling, a notary and appraisal to the amount of XXXX dollars. 

I related my concern that tree roots had disturbed the cinderblock skirt on our permanent foundation and he said 'due to Covid appraisals were no longer inspected on site so it shouldn't be a problem. '.so we paid the XXXX dollar fee Then they wanted an engineer report which we have declined because they, after some insistence on my part revealed that the damage might need to be repaired BEFORE escrow closing.. 

Repairs are why we need the loan but now we've spent {$800.00} only to flush it down the toilet. 

I believe they are busy keeping their Vendors healthy financially so when they feel safe about future real estate values and start approving loans again they will have appraisers et al still in business for their convenience They are extremely inattentive to my calls since their anxious request to send money for the appraisal which took 6 weeks to receive after numerous requests from me as to its whereabouts. 

When I received it was filled with SEE ADDENDUM which basically was a disclaimer for the appraiser since he could not visit the interior of the property, but merely photographed from the street. 

I think they had no intention of closing this deal

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX Reported incorrect Information on my credit reports and I called these three major credit Bureaus to clear all their derogatory reports, but they have not complied since XX/XX/2002 till present. 
XXXX, XXXX XXXX, AND EQUIFAX made my life miserable. 
I can not refinance my house loan since XX/XX/2002. 
I can not cash out since XX/XX/2002 till present. 
As a Mortgage Broker I can not do " A '' loans for my clients because of the damage the servicers have done to my credit. Their damages to my credit suggest that I have bad credit, which makes me ineligible to help clients who have good credit. I have to buy Bond as an out of pocket expenses to be in compliance.

They have defamed my character with false reports.

Credit card companies will not approve me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27
Company: Resurgent Capital Services L.P.
State: TN
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:
At first I received a letter from LVNV funding about an alleged credit card debt with XXXX XXXX. I sent LVNV a debt validation letter and they never validated the debt. Then I get a letter from Resurgent Capital Services collecting on a debt for LVNV and also XXXX XXXX credit card. I sent Resurgent Capital Services a debt validation letter and all they sent me was an " home made '' account summary stating I owe LVNV funding and XXXX XXXX. I also sent a dispute letter to the credit bureau and they were of no assistance. How can a debt collection agency collect on behalf of another collection agency? I can't ALLEGEDLY OWE 3 COMPANIES : Resurgent Capital Services, LVNV funding and also XXXX XXXX for ONE debt!!!! I also sent the CEO of XXXX XXXX an email and have yet received a response. I want this removed from all of my credit reports. This is an illegal act!!!! No one has shown any proof that I have business contract set up with them to put this derogatory tradeline on my credit report!!!! This is ILLEGAL!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: TRUIST FINANCIAL CORPORATION
State: DC
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 hired an asset search firm called XXXX to do an assessment of my father 's estate in XXXX. Their site lists XXXX topics covered, and their sample report is 30 pages, and they say it takes a week pre-Covid. I was charged an extra 50 % for more work ; I paid {$1800.00} after a credit. I notified them in early XXXX that my sister had just been appointed executor, and they sent me a report two days later ; they had said a month prior that all the work was done except the bank account search. Their report contained absolutely no information and not a single figure or amount assessing the estate -- a {$4.00} instant report was far more informative. The report was almost entirely document images and the list of such for our family house, whose same list I had sent them, along with other information including record or knowledge of over a half-dozen holdings that was never researched. The report included an unauthorized personal search on my sister with a false and harmful accusation that she said something in an old blog that is not found there. I wrote and told the company CEO that I filed a claim with Suntrust/Mastercard, and he said he would release the report if I did not cancel the claim. 
I sent an overwhelming amount of information to Suntrust Credit Card Claims but they recently wrote that I was in possession of the merchandise. 
I called CFPC two days later but was waiting for Suntrust 's USPS mailing that never came, and I only yesterday was able to open their " XXXX '' file emailed.

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 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
try fixing these FCRA violation 3 times reporting inaccurate information cost me higher rate on loans I just received XXXX, transunion, and XXXX need to correct this asap

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 2021-11-01
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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:
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX NC XXXX 3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft SECU Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

9. STATE EMPLOYEES CRED U Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. XXXX  Account Number : XXXX Please remove it from my credit report. 

11. Account Number : XXXX Please remove it from my credit report. 

12. Account Number : XXXX Please remove it from my credit report. 

13. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On this date I received a {$400.00} Cash payment from a friend to my Paypal Account. 

They were charged a fee to send it to me, and then I was told I would have a fee to pull it out. And so I agreed to all of that- which put me at {$370.00}, and I said yes. 

All afternoon the transfer of the CASH to my bank account was DECLINED. I have called them more than 4 times, and I am put on hold or disconnected, and they REFUSE TO HAVE SOMEONE CALL ME OR DISCUSS ANY OF THIS WITH ME, AND I AM NOW LATE PAYING SOME BILLS THAT WERE DUE TODAY BECAUSE THEY ARE HOLDING MY CASH. 

ISN'T IT ILLEGAL TO HAVE ZERO CUSTOMER SERVICE AND HOLD MY CASH FROM ME??? I AM LIVID UPSET!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: EQUIFAX, 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 information incorrect

Complaint:
Lion loans says I owe them {$460.00} but when I went onto my account it says it was paid in XXXX I feel like everything on my account is incorrect I have XXXX Apartments on there and it says I owe them {$1300.00} something like that but that's false my mother was living there in XXXX I was not living there I was living with my grandmother with my son she use my name I had just turned XXXX now that I'm grown I'm trying to find me somewhere to go because I am homeless with XXXX children and I filled out so many apartment applications and I got denied because of my credit which is not updated then there is XXXX XXXX I do not owe them I went to my account is there was nothing there. Where is XXXX XXXX XXXX I paid that on the XXXX of XXXX I think. I tried to dispute but it was declined I'm not sure if I did it correct. I have goals with my credit. My mother said she paid the XXXX apartment balance of XXXX in something I need that removed or it can go on her credit I have the manager of the apartments to vouch that I did not live there and that is damaging me getting a apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AD ASTRA REC is claiming that I owe them {$3300.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Home Loan Center, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I received a notice called " credit alert, '' that Lending Tree put in for a credit statement which lowers my credit score already damaged by my medical bills I have now. 
I had an accident and waiting for payments from the insurance company but now deluged with ads for credit. XXXX XXXX asked me to apply for a credit card and then deluging me with credit information on my scores. 
I never put in for a credit application with Lending Tree and should not be punished lowering my score. 
Why is Lending Tree checking my credit score when I never asked for them? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a Wells Fargo Credit Card since XXXX with a {$2000.00} limit. My account has always been in good standing but I travel often for business so I put my Card on Autopay and would sometimes call in to pay down the balance to keep it below 30 %. In XXXX I decided to analyze all of my charges since I had moved and cancelled a few things like Gym membership for example. Well I noticed that I was charged and had paid several items over the course of XXXX months on my bill that were to be removed. I filed a dispute with Wells Fargo against these companies for Autobilling and charging me without authorization. Wells fargo told me they would look into and get back to me and I would not be charged any interest or additional fees until it was resolved. This was in XXXX - XX/XX/XXXX when they told me this and I called every month to get resolution but was put on hold and shuffled around from person to person and departments trying to come to get this matter handled. This went on until XX/XX/XXXX when I noticed my bill went from {$1800.00} of which about {$1200.00} of that was in dispute to over {$3100.00} with all kinds of other charges and fees, keep in mind I could no longer use the card and was told by Wells Fargo my account was closed and that I owe them this {$3100.00} they told me that they can only go back 2 Months and credit me for any Billing errors and that was their final decision. I had made contact with their Fraud dept as well and no resolution. I then started receiving calls from a Third party Collection agency whom Wells Fargo sold my account to and was called and harassed day and night by these people after being shuffled around and shut down by Wells Fargo themselves. In XXXX of XXXX I hired a Credit repair company who had my file transferred back to Wells Fargo and they came to an agreement in which Wells Fargo had agreed if I had paid 40 % of the Amount they were seeking it would be closed as satisfactory and any negative item removed from my Credit Report as this has taken at least 80 points off of my Credit score. Well Fargo has not done any of what they promised and I have been put on hold for 2 hours, transferred between departments and told they never agreed to that when in fact the Representative told me by paying the 40 % amount this would close my case and appear as satisfactory and paid closed on my Credit report. They have lied and wasted 2.5 years of my time on this matter when I was initially told NOT to pay as they investigate any and all charges in Late 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 2018-07-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My family and I are American Express platinum card holders. I pay XXXX $ in fees for the main card in addition for XXXX $ for additional cards. The company has advertised in its American Express offers and benefits page in my online account a promotion saying that if you purchase $ 1000+ of airfare at XXXX XXXX XXXX website, you receive XXXX points. I added the promotion to my account, and few days later I decided to buy my mother a round trip ticket to XXXX from a foreign location on XXXX XXXX for around {$1200.00} ( transaction dated XX/XX/XXXX ). I started my booking at XXXX XXXX XXXX. I book the ticket and the promotion was not honored. American Express claim that the transaction was done from a foreign location of XXXX XXXX and not through XXXX XXXX XXXX. Maybe this got triggered by the origin city of the flight, and switched to a different XXXX server. As a customer there is no way to know on what XXXX XXXX server the ticket is purchased. After filing a complaint with American Express, they did not want to honor their promotion. It was merely impossible to discern which server of XXXX XXXX of which country booked the ticket. The was other cheaper airlines choices out here and American Express advertising and promoting was misleading. They go and refer to a very technical terms and conditions that is very misleading. 
I try to file another complaint over the customer service phone line. The representative coldly say that they can do nothing and that they will document the complaint with no further follow-up.In summary, I pay more than XXXX $ in credit card fees a year for a very bad customer service for a luxury financial product.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: EQUIFAX, 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:
On XX/XX/XXXX I got a New car from the XXXX dealership. I had a lease that I turned in at the same time ( did a trade in ). Everything went well and I made my payments like usual. On XX/XX/XXXX I noticed that my credit score went down abruptly, when I Investigated I noticed that I had a late payment with XXXX LT which I have financed my cars for the last 6 years. I inquire with them and they explained that the payment was misapplied to the old lease and not to the new one. My credit score went up and I let matters alone. Now XX/XX/XXXX I am trying to re-finance my property and I am unable to do so since a late payment is showing on my credit report. I should not be hit for a mistake I did not commit, I have made all my payments on time and this should not be my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I never received a statement for payments due on XX/XX/XXXX and XX/XX/XXXX. I was only made aware a payment was due when I received a phone call that I was past due on XX/XX/XXXX8. I immediately went on Kohls website and made that payment. While on the website I saw that they did not have a correct email address listed for me. I updated the email address immediately as well. I sent them a message notifying them that the statement had not been received. I requested that they not report this account as delinquent to the credit bureaus since I did not receive a statement. In their response they did not even acknowledge my credit bureau request. So I had to send an additional message to ask my question again. They still reported my account delinquent to the credit bureaus even though the reason my account was late was because they did not send me a paper statement or an emailed statement to an accurate email address. This delinquency was reported on my own credit report and also the authorized users credit report. If a statement had been sent to me I would have made the payment on time. I had adequate funds available to me to do so. Since the statement was not sent to me, please update the payment history for this account with the credit bureaus.

Attached Documents : Bank Statments forXX/XX/XXXX through XX/XX/XXXX.pdf -- Our personal bank statements showing that we had adequate funds to pay this bill had a statement been sent to us on time.

kohls email address update.pdf -- email showing confirmation that I updated the email address as soon as I was aware.

Kohls communication1 & 2 .pdf -- both communications I had with Kohls to address this issue. You can see how my first credit bureau question was ignored, requiring me to request again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion is reporting different names in my credit report. My name is XXXX XXXX XXXX not XXXX XXXX, XXXX, XXXX, XXXX XXXX etc. This company is also reporting an closed account that is hurting my credit and character. I've spent alot of time disputing this account from XXXX XXXX  and still haven't seen any changes.

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