BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-03
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My complaint is against Wayfair Resource Group, a collection agency, acting on behalf of XXXX XXXX. My first complaint is that I was never made aware that this debt was sent to a collection agency or my options to resolve the debt. I only learned that is was on my credit report when trying to refinance my home. 

My primary complaint against Wayfair is that on my initial call with them ( on XX/XX/19 ), they assured me that the incident would be removed from my credit report if I paid the amount ( {$280.00} ) in full. This turned out not to be the case. I paid the the full amount, over the phone with Wayfair, on that initial call on XX/XX/19. When I spoke to my mortgage company on XX/XX/19, they told me the incident was not deleted from my credit report, just noted as paid, and therefore my credit score would not go up as a result.XXXX  I called Wayfair on XX/XX/19 and again on XX/XX/19 ( I spoke to XXXX XXXX the second time ). They both told me that Wayfair policy is to not delete the incident, but just to show it's been paid. I told them I felt they misrepresented what actions they would take in an effort to collect the debt from me. I asked that a supervisor call me. 

On XX/XX/19, I spoke to XXXX XXXX of Wayfair. His direct number is XXXX. He stated that he listened to the first recorded call and disagrees that I was promised that the incident would be deleted from my credit report if paid in full. I asked him why the incident could not be removed. He stated that it is because of " part of XXXX 's contract with XXXX XXXX '' and that to remove the incident would be breaking the contract with XXXX XXXX. I relayed to XXXX XXXX that I believed I was coerced into paying the debt based on false representation and would be filing a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I WAS A VICTIM OF ID THEFT IN XXXX OF 2019. I FILED A REPORT WITH THE FTC, XXXX POLICE DEPARTMENT AND CONTACTED BANKS. I SUBMITTED ALL THE DOCUMENTS TO ALL THREE CREDIT BUREAUS YET THEY DECLINED TO REMOVE THE INACCURATE INFORMATION FROM MY CONSUMER REPORTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened a XXXX XXXX credit card of XX/XX/XXXX. The bank that administers the account is Comenity Capital Bank out of XXXX XXXX TX. 

My first complaint about Comenity Capital Bank is they do not have any auto pay function on their website. It is clear they are looking to charge a late as a tactic to make money. My major concern is when, I opened the card the cashier at XXXX XXXX said I should apply for a store card because it has zero interest for 12 months. He explained that after 12 months the card would start charging interest which has been typical in my lending experience. Never did the store associate explain they would charge all the interest for the promotional 12 month period. I have been making minimum payments on the card for the last 12 months and the statement reminds you that you need to pay off the balance or you will be charged ACCRUED interest charges. I'm not a finance major and was not aware that accrued means ALL interest. As I mentioned early, I was told the interest would start after the 12 month promotion so I didn't pay attention to the term accrued interest. When applying for the card all I signed was a 2 '' x3 '' LCD screen which is the " AGREEMENT. '' I took the associates word for how the terms of the credit card work since it is impossible to read the " terms of agreement '' on the tiny screen. It was my error for not viewing my credit card statement in detail each month, but today XX/XX/XXXX I noticed a charge for {$280.00} for the accrued interest. I was told that the interest would simply start at the end of the 12 month period. I called Comenity Bank and was transferred four times and they said sorry nothing they can do and I signed an " agreement '' ( which was on a 2 '' x3 '' screen ). I explained my concerns and told them they are intentionally misleading consumers starting at the XXXX XXXX store. They said I should have looked at page three of the statement where it told me what the accrued interest was in same small black print as the rest of the various numbers. I asked why they couldn't put this on page one in bold red numbers saying this is what you will have to pay if you don't pay your account by the specified time. This is clearly a tactic they use to generate revenue. It isn't at all transparent and it is predatory in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
As a XXXX XXXX XXXX in California who works as a XXXX XXXX, I applied for the Paycheck Protection Program through Chase Bank as soon as Chase had the application available. 

First, there was not one word for over two weeks, then the funds ran out. 

After Congress initiated more funds, Chase said I needed to reapply with more information, which I did. I have my own income and pay 5 independent contractors monthly. I re-submitted all 1099 's, my Schedule C, bank statements, and an income statement. 

They came back and rejected my loan application because they said they couldn't determine my payroll. All of it was right there, well documented in black and white. I am being discriminated against because my loan amount was minimal ( {$30000.00} ). I applied through another institution, but a couple of weeks later and the docs went through fine, but this was two weeks down the road. Chase chose to NOT process my application and sent it through to the SBA for funding. 

I hold Chase responsible if I do not get a fair chance at the PPP funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent verification of debt to XXXX XXXX on XXXX XXXX, XXXX. Never received anything in response. They put it on my credit on XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: EQUIFAX, INC.
State: CA
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:
THIS IS A LEGAL NOTICE AND WILL BE USED AS EVIDENCE IN A COURT OF LAW Since XX/XX/XXXX, and on several documented occasions within the past year ( XXXX ) I have requested Equifax Information Services LLC to remove the incorrect addresses from being reporting on my credit file and Equifax Information Services LLC has refused to remove the incorrect information. 
This incorrect information is causing me grave financial harm. Please instruct and force Equifax to remove the following incorrect addresses : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 
Equifax Information Services LLC if you continue to refuse of not removing the incorrect information then please stop maintaining and reporting my credit information ; and remove or delete my credit file from your data bases. The information you report belongs to me, XXXX XXXX, and the credit information is my property not yours, so please perform your fiduciary duty of maintaining my credit information accurately. 
If you, Equifax Information Services LLC, refuse ; then please inform me that you will no longer maintain my credit information on your data base. 
If I am denied credit in the future due to your negligence of my maintaining and reporting accurate information then you, Equifax Information Services LLC, agree that you shall be solely responsible for any of my financial loss, the defamation of my character, any loss of any opportunity I loss and any other damages, harm caused by your negligence. 
Please remove the incorrect addresses within 10 days ; Equifax Information Services LLC if you refuse, I will commence legal action to obtain the monetary amount I informed you I would seek on the notice I sent via Certified Receipt # XXXX, in which you received XX/XX/XXXX. I will seek the amount I stated in a court of law. 
I am requesting for Equifax Information Services LLC to remove the incorrect information within 10 days. 
I certify under penalty of perjury this statement is true and correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Requested that PNC close my account on XX/XX/XXXX. Account has still not been closed as of XX/XX/XXXX. Also they have refused to pay out my {$200.00} new account bonus still and I would like them investigated for this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Wells Fargo Bank closed my secured credit card on XX/XX/2020. I received a letter a week later stating they had closed my account based on thier desicion even though I have an excellent payment history, on this letter they did not provide information on the collateral monies held by them which belong to me are {$500.00} dollars, the balance on the account at the time they closed the account was {$470.00}. Wells Fargo closed the account reporting the incorrect balance owed stating I owe them {$570.00} instead of applying my deposit and the payment they had already had in thier possesion and reporting the correct balance which is XXXX!! Wells Fargo owes me {$29.00} I do not owe them any monies as they are reporting incorrect information. I called them and spoke to thier executive offices and was told they they didnt have any information to provide me and would get back to me and never did.

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 2017-11-08
Company: Southwest Recovery Services, 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: Information belongs to someone else

Complaint:
I have contacted XXXX and Southwest Recovery Services at least 10 times over last 3 months. There are 2 collection accounts on my report that are clearly not mine. The Collection company does not even have my social security number or name in their system. They said it was a file merge that 's how the account showed up on my file. They have contacted XXXX over and over to verify this is not my account and XXXX refuses to remove this account in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2018, I received a bill in the mail for the amount of {$680.00} from a MCM or XXXX XXXX XXXX. Upon further investigation after XXXX  the company, they have tried to commit fraud to many unsuspecting people. I called them and told them they had the burden of proof to show I owed the debt. I asked them where the debt originated from and they could n't provide those answers. They stated they are a attorney 's office and will go after me in court. I explained to them I would be reporting this to the Attorney General 's Office in my state and make an official police report. They transferred me several times until I spoke with an male who had an XXXX XXXX accent who identified himself as a manager. He stated the debt was done in error and they would release this from my credit report. I made a police report with the XXXX County, XXXX Sheriff 's Department and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was locked out of my USaa account and I called to unlock it. I was told it was unlocked and I would have to pay a free for an altered check. I had not done any check deposits, etc. several checks were deposited and most of them were the same. Funds were also deposited and not alerted as fraud. Now my account is locked down and I have no money for my husbands XXXX treatments. I was not given any provisional credit.

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 2019-06-22
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Late payments XXXX 2017-XXXX 2017. I was not late. I have bank statements and santander online account documents to prove it. Santander continues to report this to the bureaus, never followed up with me on regards to the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
It has been brought to my attention that the accounts opened in my name at BBVA Compass in XXXX, Alabama were assessed maintenance and inactivity fees after the balance was brought to XXXX dollars, and subsequently then charged off. It is concerning that a financial institution would assess maintenance and inactivity fees to an inactive account after the balance reached XXXX dollars and then charge off the account, rather than simply closing the account when it reached XXXX dollars. When an account ( s ) does not have activity and the account ( s ) have not been accessed either via online banking, mobile banking, the ATM, nor has the customer contacted the bank, it should not charge fees to account after the balance is XXXX. I would like the bank to reverse the charge off and properly close the account at a XXXX balance, and reverse any negative information reported on me to any outside agency or bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In reference to complaint XXXX-XXXX, the company response, dated XX/XX/2019, stated : " XXXX/Dept. of Ed deleted the first date of delinquency of XX/XX/2019, updated the current balance to reflect {$14000.00} and deleted the instances of the account being 90 days late and change the payment due amount to {$120.00}. '' However, The TransUnion Investigation Results dated XX/XX/19, which I received via USPS on XX/XX/19, still shows a 90 day delinquency on my XXXX account as of XX/XX/2019.

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 2018-01-13
Company: Bread Financial Holdings, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
During the month of XXXX, a transaction of {$390.00} took place on my account that was not authorized by me. I became aware of this transaction and submitted a claim in late XXXX. I received a response that my claim was denied in XXXX. I contacted the claim department again stating that this transaction was not authorized, and did n't receive a response. I decided to escalate the issue, and eventually sent an email to the CEO directly. The same day, I finally got a response. I was told they feel I am responsible because they believe the transaction was secure. Regardless of whether it was secure or not, it was unauthorized, and therefore this is not an acceptable answer for me. They are now in violation of the contract I agreed to when opening the account, that states I am not liable for unauthorized transactions. I refuse to pay for this, as I did not approve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CITIBANK, N.A.
State: NC
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:
I opened a simplicity credit card that had advertising as 18 months interest free. They started charging me interest after 1 year. The did a bait and switch, and then sent me an email saying that they changed it to 12 months. I tried contacting them to get this reversed, but I was transferred around and nobody could help me. Now I am logged out of my account and can't log in. I have lost the information on my account and I can't even call to reach someone to log back in. There is no way to get my login information without my credit card or bank account number. I need to be able to retrieve my account using just my social security card. I also need the interest that has accrued to be removed as it has not even been opened yet. I opened the card XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
{$400000.00} was transferred. They held the funds for over two weeks and utilized the float. Did not respond to repeated requests to release the funds. At 4 % interest {$660.00} in interest is due. Bad Business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Capital One is showing a 30 day late in XX/XX/2017. I've contacted Capital One via email ( to executives ) and phone ( Executive Resolutions Department twice ) several times. Capital one is acting unreasonable by not deleting the one 30 day late ( it is my only late ever from both of my Capital One cards over the past three years ). 

I am not allowed to purchase a home in Virginia for my family due to this one 30-day late payment. 

Please help me resolve this issue with Capital One so I can purchase a home. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, 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:
THE credit reporting agencies XXXX and XXXX are reporting a fraudulent account XXXX XXXX Account # XXXX is the original creditor and is now listed as XXXX XXXX XXXX ... ..this account was never reported to either XXXX  or XXXX ... .it was reported as a closed account only on EQUIFAX ... .and now they are reporting to the to other 2 bureaus as a collection and has dropped my credit score and I am in the process of purchasing a home ... .this is FRADULENT bs and this account should be removed and deleted immediately!! how are you reporting a collection that was never reported to either of the 2 bureaus to begin with and the account was Fraud! 

XXXX XXXX XXXX XXXX ( XXXX XXXX  ) no account number listed XXXX   XXXX XXXX XXXX ( XXXX XXXX ) no account number listed now how fishy does this sound ... ..this ACCOUNT IS FRAUD ... I am submitting the docs to prove it! I submitted my IDENTIY THEFT AFFIDAVIT in XXXX in 2019 ... I am attaching the documents now

Company response to consumer: Closed with explanation