BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ). I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to  me ( XXXX  ) and that was denied because I do not reside there. I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to get this  resolved since XX/XX/XXXX. The following are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2018-06-20
Company: Experian Information Solutions Inc.
State: OK
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:
On XX/XX/2018 I received notice that Experian verified a Chapter XXXX bankruptcy that is currently displayed on my credit report. I have never filed bankruptcy nor have I ever been associated with the address linked to the Ch. XXXX bankruptcy which is also displayed on my credit report. When asked for method of verification via phone, I was referred back to the creditor listed in the entry. I contacted the Bankruptcy Court via phone and was informed that they do not provide anyone with the debtors full social security number and they do not provide any credit bureau any information relating to any bankruptcy cases.

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 2018-10-26
Company: DISCOVER BANK
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/18 someone went to XXXX and charged {$5900.00} on my Discover card. The charge was not made by me. I have since been fighting to remove this charge from my account. I have been paying interest charges for a charge that i did not make. I have spoke to Discovers Fraud department numerous times only to be accused and treated rudely for something I did not do. No one at Discover will do anything to get this off my account. I filled a police report and have contacted them numerous times to get this straightened out with no luck. I'm in the process of buying a house so I have been paying for this charge in fear that I will ruin my credit and stop my process. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I have been trying to get proof from not only the companies, but the credit bureau as well to provide me with documentation that I owe the debts that are being reported on my credit report. I have been mailing letters since XXXX-18, every 30 days to both the creditor who claims that I owe such a debt, and also the credit bureau. I either receive a letter from the credit bureau stating that they verified that the debt belongs to me, or that they are done investigating the debt, and that there will be no re-investigation done on my behalf. I have exhausted all efforts with the creditor and credit bureau and I need results, they have not proved to me that any of these debts are mine, and therefore they need to be deleted from my credit report per the Fair Debt Collection Practices Act.

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 2018-02-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XXXX XX/XX/XXXX, I held a savings account with back-then, XXXX XXXX XXXX, and which was linked to a secure a XXXX credit card # XXXX. The amount in the account at the last banking statement was {$4000.00}. 

In XX/XX/XXXX, I was laid off from my job, but continued paying the monthly charges on the credit card. Months later when realized that I could no longer make said payments, I contacted XXXX XXXX XXXX to request a hold, or postponement, of payments until I return to work since I was covered under the " credit card protection plan. I was informed that said plan did not apply any longer since I had " failed to contact the bank right after I had been laid off the job. I then requested a closing of the account and requested a {$80.00} plus, which was my available credit at that time. A few years went by without having received a response from XXXX XXXX XXXX  in that regard. 

In XX/XX/XXXX, I had gone to my present bank to make a withdrawal in order to make my regular payments which were due during the first days of the month and which included my rent. To my astonishment, over {$1400.00} was whipped out of my account which included my entire bi-weekly salary which was garnished as well. The firm of 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ' later stated that said action was taken on behalf of XXXX XXXX XXXX  in order to collect a debt that was owed. 

I hereby must make it crystal clear, that I was never serve a summons to appear in court in this regard. This, I clearly expressed to the judge, but my statement was duly dismissed. It was during my third XXXX XXXX XXXXXXXX court appearance in which it became clear that previous summons were sent to my old, former, address. I was also informed that perhaps my savings were part of the unclaimed funds held by the state of New York due to the closing of XXXX XXXX XXXX. I then learned that XXXX XXXX XXXX  was sold to XXXX XXXX XXXX, which consequently was sold to Chase Bank. After contacting Chase Bank, I was informed that said institution had no record of any funds belonging to my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a car financed through Ford Motor Credit back in XXXX, and in XXXX I lost my home through foreclosure and had financial hardship. I later surrendered the XXXX XXXX  and it was charged off and went on my credit report and was charged off and remained until XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX is either incapable or at least has not been able to apply a consolidation payment to the loans I've specified. 
- On XX/XX/XXXX, I began the process of consolidating all of my un-subsidized student loans held by XXXX and XXXX XXXX XXXX through XXXX. 
- Payment was disbursed on XX/XX/XXXX. That same day I called to notify both of the current loan holders XXXX and XXXX XXXX XXXX of my plans to consolidate and requested to only apply the payment towards the un-subsidized loans. 
- Payment was posted on the XXXX account on XX/XX/XXXX. I called to inquire why the payment was not applied as directed, as it was evenly distributed to all loan. I re-request again to apply payment only to un-subsidized loans. 
- I requested to speak to supervisor and spoke with XXXX ( agent number XXXX ) who said the payment should be allocated as requested two weeks from the current date. 
- It is XX/XX/2018 and the payment has not been allocated as requested. The payment for the month of XXXX has now been posted. 
- Interest has continued to accumulate on loans that should have been paid off two weeks ago, and is being included for the current payment due in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I have contacted Equifax at least three time to let Equifax remove an unknown address starting at XXXX from my credit report. Each time the dispute status shows success, but I am still having the unknown address appeared in the latest credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: Financial Business and Consumer Solutions.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have told this collector identified as XXXX or XXXX. The number appears as local to Colorado. I spent 45 minutes updating my address. Asking for a settlement offer for 10 year old medical bill. This bill has already been written off per my credit report. Each rep that calls gives my old address. Five years old. They never have sent the settlement in writing as requested. Probably due to the wrong address. I now have a new medical diagnosis. Daily treatment is required. I do not want to be contact by these people any longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XX/XX/2017. At that time I paid the property taxes in closing. In XXXX, Ditech paid those taxes again by their own error. XXXX XXXX immediately refunded the payment to Ditech. Since then, Ditech has continued to charge me for the payment they made in error to XXXX XXXX. The refund was not credited to my escrow account and Ditech has increased my monthly payments by nearly {$500.00} to cover the " shortage '' in escrow due to their error. I've contacted the company numerous time. My emails go unanswered. My phone calls are redirected repeatedly or I get hung up on.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I personally closed ALL my accounts with Bank of America XX/XX/XXXX and relinquished all my Bank/Visa Cards to the customer service representative for disposal. There were no transactions on my credit card as of XX/XX/XXXX. I have still been receiving monthly statements for interest-upon-interest ; I called Customer Service and they confirmed ALL accounts had been closed. I no longer have access to the account. On XX/XX/XXXX, I called a number on a Bank of America email received and spoke with XXXX XXXX in Collections, advising me they were about to Charge Off the amount to my Credit Report! This is when I first discovered two charges each for {$99.00} from XXXX, XX/XX/XXXX and XX/XX/XXXX, one charge which was reversed XX/XX/XXXX. I no longer used XXXX XXXX however the Billing Dispute person XXXX stated I wasn't allowed to open a dispute and if a preauthorization from 10-years prior was presented on a closed account, they could open the account and process it. I told her that was fraud ; she rudely responded she had a business degree and had the right to do it! I asked to speak to a supervisor and was connected to XXXX XXXX, he spelled out his last name and proceeded to give me the same spew, telling me I wasn't allowed to open a Billing Dispute. I asked for his Supervisor, XXXX XXXX XXXX, ( XXXX ) and left a message and my number, however he never returned my call. I called XXXX and they immediately refunded the second amount {$99.00} which was processed XX/XX/XXXX. I called XXXX XXXX XXXX again and left another message with all the details, emailed the XXXX Receipts, but haven't received any acknowledgement to this date, XX/XX/XXXX. My account was submitted to Charge Off and the Bank of America actually has a credit on my account that they have not tried to refund to me. They are still sending me statements on a closed account!

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 2018-02-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo has not addressed any of my concerns. I have filed several complaints and am given the same response each time. Their newest response was a bit different this time. They had replied and attached a PDF listing a banking agreement. I sign up with XXXX XXXX and then Wells Fargo had taken over around two years of opening my account with XXXX. I had never made an agreement with Wells Fargo they had taken over the bank that I did have an agreement with. Wells Fargo 's response to me said that since the amount of time had passed that it is out of reach. That since this happened awhile back that they are not responsible for the missing funds. So with all of my complaints sent and Wells Fargo sending near the same response the same time. They are trying to avoid this ongoing issue. The first placed I had called as soon as I had noticed my balance was not correct was Wells Fargo going all the way back to 2016. I did speak to someone at Wells Fargo 's XXXX phone number and they had admitted that there was missing funds. I had called and called Wells Fargo around a dozen times and no one had offered any help. No one directed me to the correct department. No way of being able to speak to a person that specializes in missing funds. So after several months of phone calls to Wells Fargo without any help I then contacted the FDIC and had talked to a few people and filed a complaint with them also they had directed me to the CFPB. So by Wells Fargo denying any responsibility based upon the amount of time that has passed is not a valid claim by them. They in hopes would think that I would just give up and not know my rights as a consumer. This has been an ongoing issue since the year of 2016 first starting with phone calls to Wells Fargo yes I did call many times. These calls go all the way back early XXXX of 2016. Not one person was able to offer any resolution with all of my contact to Wells Fargo. All the calls and then complaint to the FDIC then to the CFPD. Wells Fargo by making the best attempt to stall and bypass the statue of limitations is not a good business practice.

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 2018-02-24
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My Paypal  Credit Account minimum payment due is {$38.00} per month, I paid more than my minimum of {$87.00}. Because I received my monthly income benefits on the XXXX Wednesday of each month fell on XX/XX/18. My paypal credit account bill did not get paid until XX/XX/18 instead of the due date of XX/XX/18. Paypal Credit   charge took {$27.00} from my {$87.00} for a one day late fee. This company does not allow the consumer any grace period of 1-5 days before charging any late fees. The company is profiting from collecting late fees from the consumer who has only paid their monthly payment a day late. I think this is a practice of merchant/creditor collecting on the consumers debt obligation to only keep them in debt but profiting more money from the consumer for the debt that is owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-26
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My FHA mortgage loan is currently serviced by Wells Fargo. Wells Fargo has refused to process my loan modification, refusing to issue any written statements, approvals or denials. Wells Fargo is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have applied for a loan modification on numerous occasions and Wells Fargo has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Wells Fargo is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency.

Per the Qualified Written Request submitted XX/XX/XXXX, I am seeking total accounting records. I filed Chapter XXXX bankruptcy cases on XX/XX/XXXX and XX/XX/XXXX. In both cases many payments were sent from the bankruptcy trustee to Wells Fargo.the total estimate is 24 payments. Wells Fargo does not show that one payment was applied during the bankruptcy process. Wells Fargo has initially misapplied payments to force me back into foreclosure. Wells Fargo has violated the Federal Bankruptcy Code.

Wells Fargo also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of 2012 ( NMS ). Per the NMS, Wells Fargo is obligated to process the loan modification with transparency. Wells Fargo has refused to cooperate and is threatening foreclosure action, as they have set a foreclosure sale date of XX/XX/XXXX. 

Wells Fargo has also refused to offer formal mediation options per IN 32-30-10.5. They never served proper documentation via certified mail or process server. Wells Fargo is attempting to bypass IN 32-30-10.5 to speed up the foreclosure process. 

Based on the violations listed herein, I am seeking your assistance on this matter. Wells Fargo has set a foreclosure sale date of XX/XX/XXXX. You can reach me at XXXX or 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 2022-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted all three major credit bureaus regarding the reporting of my paid in full/as agreed never late with XXXX ; XXXX has sent in request to remove late payments however the credit bureaus refuse to remove late payment 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 2018-10-26
Company: EQUIFAX, INC.
State: PA
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: Billing dispute for services

Complaint:
This XXXX account is NOT a charge off, collections nor is it a Fail To Pay. I have been with this Company 20+ years. I relocated to another State and XXXX was not able to transfer my service 's or account, So I was FORCE to CLOSE OUT and PAYOFF ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
TD Bank is doing a true disservice to me and I am owed a remedy. They drag out the processing of my transactions and make it appear as though my transaction happened a different day then they did. On top of that travesty, they then keep overdrawing my account to collect bank fees. They have my account as being overdrawn when it should not be. Someone at TD Bank doesn't know how to do math. My account Balance should be {$54.00} not negative {$140.00}. Now I demand TD Bank not discriminate against me for reporting their misbehaving and close down my checking or savings accounts. I also demand TD Bank credit my account and make my balance what it should be {$54.00}. I also demand that TD Bank stop dragging out the processing of my transaction, trying to overdraw my account.

Company response to consumer: Closed with monetary relief