BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-17
Company: KINGS CREDIT SERVICES
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Have n't heard anything from them to make payment arragements or anything.I would like to work out something to have it taken off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023, I was scammed by a consumer who had stolen someone else 's credit card and used it to purchase {$1100.00} in massage services from my massage clinic. He added a {$870.00} " driver tip '' to the bill, making it a total of a {$2000.00} credit card payment to my business. He then told me the {$870.00} was meant for the driver, and asked if I could XXXX his driver the money. I promptly sent the money to the email address he provided via XXXX, since it was his request and his money... However, it seemed a bit suspect, so I looked up the owner of the credit card and called him and asked him if indeed he was the one making the purchases, to which he said he wasn't. Upon learning it was a scam, I called his bank to inform him as well. 

While the bank did create a chargeback for the {$2000.00}, unfortunately Wells Fargo would not return the {$870.00} I sent via XXXX, as part of this same.

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 2016-01-26
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made my XXXX mortgage payment early in XXXX. The mortgage company 's website said my next payment was due in XXXX and showed the next automatic debit scheduled for XXXX XXXX. 
On XXXX XXXX the mortgage company debited my account. I called Customer Service on XXXX XXXX in the afternoon and requested a refund -- I then emailed Customer Service requesting the refund with a screen print of my bank account showing their debit. I was told that a refund would take XXXX business days. 
On XXXX XXXX ( 2 weeks later ) I called Customer Service again. No action had been taken regarding my refund! Customer Service said they would speak to management and expedite the refund. 
On XXXX XXXX ( 1 week later ) I called Customer Service again. They said a paper check had been put in the mail on XXXX XXXX, and I should expect it within 5-7 business days. 
My Problems : 1 ) The website is not accurate and customer service is not aware of it. 
2 ) Customer Service was unresponsive for 2 weeks on the refund. 
3 ) Zero communication from the mortgage company about the refund. 
4 ) Refund is not in-kind -- they took my money by direct debit, but then refund by check which will take 5-7 business days to arrive and then multiple days to clear my bank account. Meanwhile my next payment is due in 4 business days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I reached out to the company assigned in the XXXX XXXX XXXX to the receivership noted on the court filings and the receivership responded by stating their law firm has no record of my my case. I feel like the plantiff is makling a false statement. Furthermore, I have provided the 3rd party debt collector with my bankruptcy XXXX  XXXX contact information and request they cease contact with me but they continue to send me legal filings. My attorney is no where to be found and have been thrown to the wolves to spend every waking hour researching law to defend myself. 

Please help me ... .... 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
If any amount over {$1.00} is owed to the consumer, it must be returned, without exception. This is stated in the relevant regulation, 12 CFR 1026.21, which falls under 12 CFR Part 1026 ( Regulation Z ) that protects consumers in credit transactions. According to the law, the creditor must take the following actions : A ) credit the credit balance amount to the consumer 's account, B ) refund any remaining credit balance upon the consumer 's request, and C ) make a good faith effort to refund any credit balance remaining in the account for more than six months by cash, check, or money order, except in cases where the consumer 's current location is unknown and can not be traced through their last known address or telephone.

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 2019-11-24
Company: EQUIFAX, INC.
State: IN
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:
I requested my free credit report from Equifax and received it XX/XX/2018. On the report was a made up name but all the other information was correct. " XXXX XXXX   XXXX '' has never been my name. I wrote to them to correct my name but they refused to. Since I have had a name change I tried again to update my name. The process was long and arduous but they finally accepted my legal name. However, they still list this made up name on the credit history. I am worried that my identity is at risk as long as this false name continues to reflect on my account. The other two credit bureaus never created this made up name so it is only a problem with Equifax. I am very worried that for approximately two years they had a false name that they collected data under for my soc and address. They need to take this false name off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Between years of XXXX to XXXX. I have opened two visa credit cards with Bank of America one was at XXXX XXXX XXXX XXXX XXXX, CA XXXX another one was at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. 
Both Credit cards never arrive to my home address after more than a month, I called Bank of America to tell that i didn't receive my credit cards after more than a month. they asked my cell phone number and sent me a code to verify. after a few days, i received a new credit card with a new number and then after another a few days i received another credit card again with a different number. i called bank of America again to tell them that i received two credit card with two different number, they said they are the same. 
i went to the Bank of America at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX tried to cancel my two credit cards, but didn't successful. i have called many times and fight a lot with Bank Of America then they cancelled my credit cards.. 

I think they are cheating customer to open more credit cards. 

i had a problem with BOA with opening credit card at XXXX XXXX XXXX, ca 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 2023-09-26
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2023-06-14
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Opened XX/XX/XXXX Account status open Original creditor name : XXXX XXXX  XXXX  Open balance : XXXX I called the company they said it was a furniture store I never heard of in my life. My credit was last pulled when me and my husband bought the XXXX  truck. I have not bought furniture since XXXX. 

My identity was stolen so this is fraud. Someone got my social and opened the account. I always maintained good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Popular Direct withdrew {$5000.00} from one of my accounts there and abruptly closed that account and claimed that the money went to my XXXX XXXX XXXX XXXX XXXX Account. It showed that they withrew the {$5000.00} on XX/XX/2023 but XXXX XXXX never received it and said they do not even see the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: TX
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:
There was an account reporting late on my report due to a court hearing not being set. The hearing happened and it was in my favor. I was never late. I do not owe any money. I submitted the payment log and the order to the credit agencies and they claim to have investigated but the only thing that was done is the balance was changed to XXXX. The late payments remained.

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 2022-10-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking how they were able to verify the bankruptcy reporting in the public record of my credit profile as accurate when the courts do not communicate with the credit bureaus at all. I have requested details and documents of how the bankruptcy was verified, but nothing has been provided and the information still appears on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXXXXXX XXXX XXXXXXXX, I was in the process of buying a home in XXXX, S.C., the address was XXXX XXXX XXXX XXXX..I was buying it through my bank which is Bank of America . I was in his office XX/XX/XXXX at ( XXXX XXXX XXXX, XXXX, SC XXXX ) and he withdrew {$670.00} for an appraisal XXXX XXXX. After the inspection report I opted out of the contract on XXXX XXXX. The appraisal never went through. I ended buying another home, which I purchased for {$300000.00}. I put a down payment of XXXX, so I didn't need an appraisal.As of today I still haven't received my refund from the appraisal of XXXX XXXX XXXX XXXX , XXXX , SC . 

XXXX XXXX has been giving me the run around ever since. I have contacted the bank assistant XXXX and she stated I would receive a check in the mail since it was a debit transaction. Never received it and when I called her she told me to speak with XXXX XXXX. XXXX told he spoke to his boss XXXX XXXX about the situation and said they would take care of it. Waited a couple of weeks and still not resolve. I spoke to a representative in the bank about it and he told me he couldn't do anything about because the Mortgage company is a different division. He to told me to talk with XXXX XXXX about it. I spoke to him on XX/XX/XXXX and he said he submitted it again and waiting for approval. On XX/XX/XXXX, he texted me and said Just got back from vacation and been checking up. Your request is still in process not declined so that is positive but hasn't been approved yet either. Just wanted to keep you posted.Have other texts also. Tired of getting the runaround. If you can do anything would appreciate. Thank You!

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2016 {$340.00} was charged on my card unauthorized. {$64.00} overdraft

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 2022-06-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have several accounts with Synchrony and have always had a great payment and usage history. A little over a year ago, my wife and i purchased a home for our family. With a new house, comes increased expense so I have put some expenses on credit cards ; however, I have maintained great payment history. My usage has just gone up. I havent been late on my other credit cards either. Over the last year, despite on time payments, synchrony has continued to lower limits and even close some cards. While I understand they have a business to protect, they do not inform their customers prior to reporting to the XXXX agencies and it just causes a snow ball effect. Synchrony had no problem raising my limits before I purchased a house. They also have no problems sending emails reminding of available credit encouraging me to use my credit, only to punish me when I do. One of the reasons for their actions was Not paid enough on real estate loan. I put 20 % down ( $ XXXX ) and have plenty of equity. I always pay more on my house and usually pay more on my credit cards. My salary has also increased by over 25 % over the last year as well. The credit scoring system is antiquated and appears to be designed to only reward those that are wealthy.

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 2023-06-14
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a duplicate collection on my report from the same company for a device that was returned to them. I was never notified that they didn't receive it or that i owed anything. They just put 2 collections on my report from the same thing. I tried disputing that i mailed it but their systems are so bad that they never showed they recieved it so i just paid the collection to get it off my report. However, it is still on my report and it is not even showing paid. This has got to be illegal. Please help me to get this removed. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: KEYCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This issue started in XXXX of this year, I received calls saying that my account was past due, when trying to reconcile what payments were not credited to my account, it was discovered that a XXXX, XXXX and at that time XXXX and XXXX payments were not reflected in my account as being posted. When I asked to open a claim to investigate the missing payments the supervisor would not open a claim, would not provide a way for me to contact the bank to open the claim, and was extremely rude and said he would have someone from their corporate office contact me which never happened. I then received another call mid XXXX with the same information again my account is past due XXXX, however at this point there was a total of XXXX of payments that were not posted to my account. This time I was provided an email address to send evidence of payments from my bank. I provided the information via email but did get a credit monitoring alert that they had reported me as 30 days past due. I have never had a late payment since the account was opened and always pay much more than the minimum payment due amount. I filed a dispute with the reporting agency as well as provided to the same email address that my credit score had been impacted by XXXX points due to this issue. Which on both calls I mentioned that since these missing payments were in dispute that I wouldnt expect negative reporting until this matter is resolved. That did not happen!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a few paid in full closed accounts on my report that I would like to request to be removed.

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 2022-01-09
Company: General Motors Financial Company, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a few paid in full closed accounts on my report that I would like to request to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
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:
To Whomever This May Concern : Experian has one time to get this right before I file a lawsuit against them. I was finally able to pull my report. I have never had any accounts with XXXX XXXX XXXX XXXX or XXXX XXXX. I have never had accounts with them at all. I will be updating my police report, but until then I need these removed asap. These items are not mine and are fraudulent and they are hurting my credit score and my score with other creditors that I pay on time. I need them removed asap. These are items that have been removed once before and they have added them back on. This is unacceptable and I will file a lawsuit asap if they are not removed 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 2023-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
To Whom It May Concern : It has been brought to my attention that XXXX bank of america } has listed { negative listing } on my XXXX file. 

To my knowledge, I have never had account with { BANK OF AMERICA }. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. 

Specifically, I am requesting full validation from XXXX BANK OF AMERICA } including copies of any documentation associated with this { negative listing } which bears my signature. 

In the absence of such documentation, I request that this BANK OF AMERICA be permanently removed from my XXXX report. 

For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA 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