BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-02
Company: WELLS FARGO & COMPANY
State: UT
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:
In XXXX I had fraud on my credit card upwards of {$17000.00} Wells Fargo said that I was still liable for the charges. I have been making payments up until XX/XX/XXXX when I lost my XXXX social security I am currently appealing there decision I owe over {$18000.00} to Wells Fargo but can not pay it and they are trying to come after me. I have tried working with Wells Fargo but to no avail.

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 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 informed TransUnion that my report was inaccurate and they have not replied or took any steps on resolving this issue.

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 2023-05-19
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Truist credit card that had a balance of XXXX which I paid in full before the due date. On my statement the next month I was charged XXXX an interest even though my balance included only a {$2.00} purchase after I paid off the the balance. I contacted them and they put in a request to do an adjustment to my account. I'm concerned that they have done this to many others and that other people may not realize that they are being charged interest that they should not be charged. I also feel that since it took almost an hour to resolve being on hold and waiting that I should be compensated for my time. XXXX to {$50.00} would be fair.

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 2019-04-26
Company: Halsted Financial Services, LLC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hi I have police report I sent over to credit company they closed the Acct and two days ago I recvied calls and notice in The mail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
To whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or a similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is in 15 USC 1602 ( 2 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice Congress said any card. The credit card is my social security card. They should all be removed from my report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I declare that this is a true and factual statement pursuant 28 USC1746.

Sworn : XXXX XXXX Signed : XXXX XXXX SS # 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 2021-09-13
Company: RFNA, LP
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of XXXX, I was solicited for a loan from and entered into a financial contract with Republic Finance for a {$1500.00} loan. In XX/XX/XXXX, I ran into a financial hardship and verbally spoke with my accounts representative and we agreed to payment for the next 6 months of {$50.00}. I commenced to making the verbally agreed amount and received a notice that a court filing had been filed seek a judgement for the full balance of the loan. I went before a XXXX XXXX Judge where I agreed to a consent judgement in XXXX of XXXX to pay the balance owed to Republic Finance. In approximately XX/XX/XXXX, I received a written document from Republic Finance offering to settle the account for approximately {$700.00}. I agreed to the settlement and in XX/XX/XXXX I paid them the agreed full settlement amount. 

In XX/XX/XXXX, I received a document from the judge of XXXX XXXX Court stating that I had satisfied the loan. At that point I had not further contact with Republic Finance and I did not realize that they did not report the updated information to the Credit Bureau. 

In XX/XX/XXXX, I applied for a Mortgage and was denied. I found out that I was a victim of Identity Theft and had the corrections completed. In XX/XX/XXXX, I attempted to apply for a mortgage again and was again denied as I was considered a risk. At that point the lender explained that there was an issue on my record identified as a debt to Republic Finance that stated that not only is the account seriously delinquent, it was months in collections and still showing a balance due of approximately {$1400.00}. 

I then proceeded to dispute the account with the Credit Bureau twice and the company did not make any changes on the first attempt and made a correction that the account was settled in full with 14 months of delinquency and in collections until XX/XX/XXXX. It also caused my credit score to drop tremendously. 

I then thought to call Republic Finance and see if I could rectify the matter. I have been in contact with them daily for over a month, and the matter has still not been resolved or corrected. 

Therefore, I am writing to you for some sort of relief. I did indeed receive the funds from this company. I did indeed made every effort to fulfill my obligation with Republic Finance and the Court of the City of XXXX. I believe that Republic Finance violated the Fair Debt Collection Practices and has harmed me financially. I am now aware that they could be the reason that I have been paying higher interest rates on purchases and am being denied a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: JH Portfolio Debt Equities, LLC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have received XXXX letters now XX/XX/XXXX from a collection agency on a debt ( that I do n't even remember ) from XX/XX/XXXX. However, I do remember that I had any and all debts discharged from a bankruptcy XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX XXXX ( XXXX ) has been inaccurately reporting myself as an authorized user for a credit card when I received confirmation on XX/XX/2021 that I had been removed. This fraudulent reporting has cost me hundreds if not thousands of dollars and negatively impacted all 3 of my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Experian Information Solutions Inc.
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:
My student loans have been in deferment due to an Income-Driven Repayment plan I am enrolled in. A new application has to be submitted annually in order to have your circumstances reviewed for any changes, and then a decision is made as to whether a person can continue in the plan. I originally submitted my re-certification for Income-Driven Repayment ( IDR ) play on XX/XX/2019 at which time I was unable to upload my filed tax documents via the IRS website ( when filling out the application you are routed to the IRS website in order to retrieve your filed income tax documents to prove your income for the previous year ). I tried several times but continued to have no success ; therefore, I opted to submit my application and tax documents via U.S. mail. I did so the following day, and assumed all was well. Fast-forward to XX/XX/2019 and I received a notification regarding my credit report. At that time I realized my credit score had dropped well over 100 points due to my federal loans being reported as delinquent. My report shows I missed 2 payments, XX/XX/XXXX and XX/XX/XXXX, but that is not accurate as I was supposed to be enrolled in the IDR plan. Additionally, it says I am 120-149 days past due, which is again wrong because 1. I am enrolled in the IDR plan and 2. They are only reporting 2 missed payments, which is 60 days not 120-149. I resubmitted my IDR application on XX/XX/2019, and this time I was able to transfer my tax documents directly from the IRS. I received the approval for my application on XX/XX/2019, and was advised my monthly payments would be {$0.00}. I have submitted a letter to the XXXX XXXX XXXX to ask for the delinquent items to be removed from my credit report as I should have been enrolled in the IDR plan all along. I have not received anything back to date. I am now receiving letters from credit card companies saying my available credit limits are being decreased as a result of these delinquent items. I desperately need these items removed. I have recently updated my contact information with the XXXX XXXX XXXX because I realized they had outdated information. Per my specific IDR plan I do not have a monthly payment as my income is not enough to permit a payment ; therefore, my credit report should not reflect late payments as I do not have monthly payments to even be late on. I would greatly appreciate any assistance in regards to this matter, and hopefully can get the situation resolved before any further irreversible damage is done to my credit. Thank you for your time and consideration.

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 2021-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In XXXX I took out a HELOC with XXXX XXXX. The terms for repayment were as follows : 60 payments {$850.00}. beginning XX/XX/XXXX 119 payments {$750.00}. beginning XX/XX/XXXX 1 payment {$750.00}. beginning XX/XX/XXXX According to my original contract my terms for repayment are listed above. My complaint is that in XXXX, I was behind on my payments and Chase Bank, the institution I submit my monthly payment to, sent me a notice in XX/XX/XXXX, offering me a partial claim HAMP. I was not to clear on what it meant, I was under the thought that it was intended to help me get caught up on my arrears. I called Chase as it was listed as my loan servicer, I asked who the investor was and questioned why my MIN number /MERS account is listed as inactive. I have been paying on this HELOC for 17 years and it was originally a 20 year loan to end XX/XX/XXXX. I ask Chase for my documents and I have uploaded a copy of what they mailed to me and what I have as original Note and TILA. I have also discovered that the Notary Public that signed and stamped the Modification Agreement to verify the Vice President who signature, XXXX XXXX. The Notary Public is not real as I searched the Secretary of State website in Michigan to locate her. The website does not have XXXX XXXX ever as a Notary in the state of Michigan. Chase bank did not calculate my loan properly over the lifetime of it. I find that this HELOC has been paid since my XX/XX/XXXX. 
I would also like to add that I have had my loan number change at least twice. I went into Chase to make a payment and was told that the loan number did not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
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: Personal information incorrect

Complaint:
1 ) I have lived at the same address since I was XXXX years old ... over 55 years ... and have never used any other address. The address listed on my credit report of XXXX XXXX XXXX XXXX, reported on XX/XX/XXXX, is totally fraudulent as no such address exists and I request that it be removed immediately. In fact, the U.S. Postal Service stopped using Rural Route addresses many years ago due to XX/XX/XXXX vehicles not being able to find the addresses. Therefore there are no longer any such addresses. 

2 ) The only employment I ever had was with the XXXX XXXX XXXX, where I retired as a XXXX, XXXX XXXX. 

3 ) The entry from XXXX XXXX XXXX was closed in good standing, in XX/XX/XXXX, almost 13 years ago, and it should have permanently been removed in XX/XX/XXXX. It WAS removed but is now back on my report. I am requesting that this entry be permanently removed immediately. 

I contacted Equifax by letter to dispute these entries on XX/XX/XXXX and my letter of dispute has been totally ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have inquires on my credit report that are not from my doing, I have tried to get this taken off my credit but the credit bureau still report the inaccurate and fraudulent inquires when I am not the person who actually applied for them on my credit. I tried disputing them online, by mail and calling. I am at my breaking point!

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 2017-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There are 2 Portfolio Recovery Associates for amount of {$2000.00} and {$550.00} that does not belong to me. I have sent Portfolio Recovery Associates a debt valuation several times with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THIS LATE ACCOUNT IS NEED TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX-Balance {$190.00} -Date Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
The bank cleared a check for {$2400.00} and made all the funds available the next day. I sent scammers {$2100.00} and the Bank took the $ from my account. On XX/XX/2019 I deposited a check for {$2400.00} which I didn't know was fake. The Bank cleared the check and all the money was available in my account the next day. I sent the scammers {$2100.00} through XXXX ( a money transfer service provided by the Bank through their app ). On XX/XX/XXXX, the funds were removed from my account because the check was fraudulent. The Bank took zero responsibility in the matter. I sent a letter and an email to the CEO ( Attached in this  complaint ) explaining the unfairness of the situation and his assistant called me. He told me that these fraud cases are very common and happen all the time, to which the Bank never warned me about and never realized that my transactions were odd. I am a Bank of America customer for 13 years, I haven't deposited a check that large in person in years and I haven't used XXXX in about 4 years and the amount was maybe {$300.00} to my mother who also had a Bank of America account at the time. The CEO assistant told me that XXXX does have scam triggers and he doesn't know why it didn't work for me. I have a Bank of America credit card and get alerted for unusual transaction I make and I am constantly asked if I made certain odd purchases even if it's for {$1.00}. How come there's so much security for credit cards and zero security for these super common check scams. Banks are supposed to take care of the customer 's funds ; this is why people trust banks with their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: FL
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:
THE FOLLOWING COLLECTIONS ACCOUNT IS REALLY INVADING THE OVER-ALL HEALTH OF MY CREDIT REPORTS. THE ACCOUNT FOR XXXX XXXX, IN WHICH THE ORIGINAL CREDITOR IS XXXX IS DISPLAYING A BALANCE OF XXXX, IN WHICH THE ACCOUNT HAS BEEN OPENED SINCE XX/XX/XXXX. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT SINCE XX/XX/XXXX, I FINALLY WAS ABLE TO GET THIS NEGATIVE ACCOUNT REMOVED BY XXXX AND XXXX. NOTHING HAS BEEN DONE OR SAID BY EQUIFAX. WHY HASN'T EQUIFAX DONE ANYTHING ABOUT THIS MATTER WHEN WE CAN CLEARLY SEE THAT THE OTHER TWO CREDIT BUREAUS FULFILLED THEIR TASK BY GETTING THE ACCOUNT REMOVED. I DEMAND TO KNOW THE REASON WHY THIS ACCOUNT IS STILL DISPLAYING UNDER EQUIFAX AND WHY HAVE THEY NOT RESPONDED BACK TO ME!!??? THIS IS REALLY IRRITATING MY LIFE-STYLE AND THE GOALS I HAVE YET TO ACHIEVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been with Navient for 3 years and I have never had customer service actually fix my problem. Such as, getting enrolled in auto pay, giving me no answer to why my interest rate is the was it is. I paid XXXX on XX/XX/2019, on the phone I believe XXXX told me that my advanced payment would be taken and I wouldnt have to worry about my next payment until XX/XX/2019. She did not tell me I would have an increased rate of XXXX . I feel as though I dont have any correct information on my loans that I try my hardest to pay every month on time. I have been given 2 different account numbers because no one can find my correct account number. Every time I call them to try and find answers they say my account is in good standing and Im doing great. Then to find out I started out with around {$6700.00} in student loans from Navient and now on XXXX I have {$7000.00}. How am I in good standing if they have taken my payments and now I owe them more than I started with. I got pushed into forbearance and that unknowingly increased my rate. I did not get told about and rates being increased. I have spoken with 4 Navient customer service members and they all have said they would help get me my answers. They tell me the same thing that Im in good standing and I have nothing to worry about. They give false hope and wrong information. These are peoples lives not accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I was a victim of identity theft after subscribing to the credit monitoring offered through Experian. I was injured as a result of ongoing identity theft and insurance fraud. The data breach costing these errors occurred after purchasing identity theft protection through Experian.

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 2019-04-27
Company: Platinum Holdings Group, LLC
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:
My identity was compromised while I was oversees serving in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX.  During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX 1.XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX XXXX XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX XXXX XXXX 6.  XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX XXXX 9. XX/XX/XXXX XXXX XXXX 10. XX/XX/XXXX XXXX XXXX  11. XX/XX/XXXX XXXX XXXX 12. XX/XX/XXXX. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
At this point I would like to try and get this account with National Credit Systems settled. The contract and the break down of fees I do not believe are accurate and I would agree to paying the final month rent of {$1100.00}. The lease was for one year, from XX/XX/XXXX until XX/XX/XXXX. I gave notice XX/XX/XXXX and the contract expired XX/XX/XXXX had I stayed to the end of the month that would have completed the contact. The fact that they want to charge an early termination fee for a contract that was due to expire 30 days from when I moved out and charge a 60 day notice fee is absurd.

Company response to consumer: Closed with explanation