BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX Capital Accounts LLC placed a collection account on my credit file with XXXX  for {$730.00} ( see attached credit report ). I had no information on this account from the original creditor or the collection company and had no chance to request validation of the debt. I filed a complaint with the CFPB on XX/XX/XXXX complaint XXXX. Capital Accounts LLC responded, " We have made several attempts to contact consumer with no success '' this was a lie to the CFPB. Capital Accounts did then contact me XX/XX/XXXX giving me 30 days to challenge the debt ( see attached letter XX/XX/XXXX ). Clearly, if they had contacted me earlier they would have not needed to send this letter and therefore have lied to the CFPB and broken collection laws. I responded to there request on XX/XX/XXXX within the 30 day challenge period ( see attached letter and evidence of delivery ). Capital Accounts LLC then contacted me again on XX/XX/XXXX having received my challenge - again violating the FCRA. Finally, CFPB has received no response from the original creditor about this the complain filed XX/XX/XXXX - I request that CFPB take immediate action against Capital Accounts LLC.

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 2020-07-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX, Wells Fargo emailed me saying there were fraudulent charges on my credit card. I called them that day and had a very confusing hour-long call with a representative from their credit card services department. She accidentally closed my entire credit card account and reopened it the next day, XX/XX/XXXX. I received a letter from Wells Fargo about my account closing the same day I received a new credit card in the mail and a notice to pay my balance for the month. A week later around XX/XX/XXXX, I checked my credit score with XXXX  and XXXX, and my credit card history is completely missing from my credit score. 

I am in the middle of trying to buy a home and getting a mortgage, and the adverse affect this is having on my credit score is delaying and potentially derailing the entire process. I have filed a dispute and a complaint with Wells Fargo, but they are unresponsive and unable to give me any answer or next steps as to what I should do. I have contacted XXXX, specifically, and they told me that it is Wells Fargo 's responsibility to report my credit card information.

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 2020-07-29
Company: Rocket Mortgage, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a customer in good standing with my mortgage company, Quicken Loans. I was refinancing my home through this same company and throughout the process there were many mistakes and delays. It was communicated to me that since we were in the middle of this refinance process that our next payment to be paid would be on XX/XX/2020. This was inaccurate information given to me by my mortgage banker and the way I was notified that the payment due was on XX/XX/2020 is when it was discovered by me on my credit report as a past due payment. Quicken did not notify me of this and resulted in dropping my credit score 100 points. Quicken did not contact me in any way regarding a missed payment. Once I was made aware I immediately contacted Quicken I brought my account current. I made attempts with Quicken for them to make corrections to my credit report. Despite the errors on their employees parts and the fact that I have been a long standing good customer that had never been late or missed a payment prior to this they refused to investigate the issue fully or make any attempts to make corrections to my credit report. The last day I spoke to someone in Quicken 's executive department was XX/XX/2020. This account is currently paid in full and closed. The reason that this payment was late was because the Quicken employee gave me inaccurate information. I need help in this situation to repair the effects it has done on my credit score /report. I will attach the documentation that I made this account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: TekCollect Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Tek Collect inc has put a collection on my credit report that was discharged in bankruptcy. 


Tek Collection Inc XXXX XXXX XXXX OH XXXX # XXXX

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 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
BANK OF AMERICA XXXX XXXX XXXX All made Hard Inquires on XX/XX/2023 2023

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 2020-06-02
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX XXXX {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: EQUIFAX, INC.
State: NY
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:
XX/XX/XXXX credit reporting shows account open. 
XX/XX/XXXX credit reporting shows account closed and states that a foreclosure action has begun, Which is incorrect, the foreclosure action what started XX/XX/XXXX. 
XX/XX/XXXX credit reporting states they count remains closed. 
XX/XX/XXXX credit reporting shows that the mortgage account had been removed from my credit report, even though the foreclosure action was still in litigation in court. 
I have requested from XXXX XXXX XXXX accounts relationship manager, XXXX XXXX, to investigate why the account was closed and removed from my credit report. At present a formal investigation has not begun and it XXXX XXXX insist that the account is still open and litigation remains in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Experian Information Solutions Inc.
State: AL
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 challenged the accuracy, compliance and reportability of two bankruptcies a Chapter XXXX and Chapter XXXX showing on my credit report on XX/XX/2018. I asked for XXXX, Experian, and XXXX  to please validate this information with United States Bankruptcy Court XXXX XXXX of Alabama and provide me with copies if any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received information for all three bureaus stating it was verified and will remain. The bureaus never contacted the courts but instead they reached out to a third party XXXX XXXX to provide this information. I have opted out and placed a freeze on my credit and consumer file which is attached as well as a letter from the United States Bankruptcy Court XXXX XXXX of Alabama stating they do not report this information.

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 2023-06-09
Company: M1 Holdings Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX I initiated a transfer from my M1 Borrow account to my M1 High Yield Savings. On the transfer page it says this should take a few moments. On the help link documented on the transfer page, this transfer scenario is not documented. I was advised by help that this could take 2-4 business days, but this is not documented anywhere and is in conflict with the " should take a few moments '' shown to the user when submitting a transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After viewing credit report there is a Charge-off of an amount that I have never been aware of.

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 2018-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 challenged the accuracy, compliance and reportability of two bankruptcies a Chapter XXXX and Chapter XXXX showing on my credit report on XX/XX/2018. I asked for XXXX, XXXX, and TransUnion to please validate this information with United States Bankruptcy Court XXXX XXXX of Alabama and provide me with copies if any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received information for all three bureaus stating it was verified and will remain. The bureaus never contacted the courts but instead they reached out to a third party XXXX XXXX to provide this information. I have opted out and placed a freeze on my credit and consumer file which is attached as well as a letter from the United States Bankruptcy Court XXXX XXXX of Alabama stating they do not report this information.

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 2020-07-09
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Due to previous loss of income and a current reduction in hours due to covid 19, we have several late or missed payments. In an attempt to collect payment Ally Financial informed me that a payment was needed in order to keep a repossession from happening after I attempted to communicate with Ally for a few weeks to no avail as their computer system was being upgraded and they could not offer insight nor assistance into the account. When their system went live, they automatically requested payment on that date to avoid repossession. This payment was made within a few hours of the request and they stated that the vehicle would not be repossessed and it wasnt. However, I recently became aware that our credit reports show a repossession. 

I feel that Ally acted in bad faith as I was not informed prior to or notified after payment that a repossession would be reported to the credit bureau since the vehicle was not repossessed and payment made upon request. Had I known that a repossession was going to be on my credit report I would have surrendered the vehicle at the time. I asked that this be removed from the credit report as being the purchaser I did act in good faith by maintaining contact with Ally and making the requested payment to avoid repossession. This request was denied. In addition, an extension was requested due to a reduction in hours due to the pandemic. This too was denied while the representative informed me that workers are working from home so departments are delayed with communicating with one another. _

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 2023-05-16
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On three separate occasions, I have sent extra monies to Homepoint Financial, XXXX XXXX XXXX, XXXX, XXXX, XXXX. Extra monies were earmarked for Escrow only ( XXXX XXXX ). This amount was applied towards principle although it clearly stated in the memo selection, ESCROW ONLY. In XX/XX/XXXX, the same thing occurred although this time, it was listed as PAYMENT UNAPPLIED. Date was XX/XX/XXXX. It was finally rectified on XX/XX/XXXX. I advised then that I would file complaints if they didn't get their act together. The persons involved in applying these payments needs to pay careful attention to what is in the memo section. Same thing before on a principle payment prior to XX/XX/XXXX. Three payments, all applied to the wrong account portions. I should not have to contact Homepoint each snd every time that i send extra monies because someone is derelict in their duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Website and Mobile application both have my " Browse offers we've selected for you '' section have an offer listed that im trying to take advantage of. Both electronic avenues just said " thank you '' when attempting to get a referral. The offer states " Earn up to XXXX bonus points per year '' by referring a friend. I have called 3 times to inquire about the error with no resolution. I have also advised 2 CSR 's and 1 Supv of the situation including having screenshots of the writing on both the mobile app and full site. Chase made no effort to correct or rectify the error and advised we can not assist you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an old credit card debt from 10+ years ago. They harass me by called several times per day everyday. I do not answer I get letter explaining that nothing at this point is being sent to a credit reporting agency and they will not seek legal actions. 
They just continue to harass me on a daily basis. 
Portfolio Recovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When viewing Credit Reports from all three credit Agency an Charge Off amount appears on report. I have no knowledge of this charge-off amount and never received mail correspondence in regards to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Experian Information Solutions Inc.
State: WA
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 made an error and underestimated the power of my credit. I forgot to pay my card and it caused me to get a 30 day late pay negative mark on my credit. Since this has happened I have opened a new card with the same company using it quite frequently and have paid it in full as I go. 
I 've learned a great lesson from this, pay on time and never be late. Credit is such a important tool and it must be respected. 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 explanation
Consumer complaint received 2018-10-01
Company: Total Card, Inc.
State: AR
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:
On XXXX/XXXX/2018, I sent The XXXX XXXX XXXX a Validation Letter asking them to provide documentation. The attached return receipt shows that the letter was received on XXXX/XXXX/2018 and that Sue signed for it. It is now XXXX/XXXX/2018 and I have not received anything from The Bank of XXXX XXXX. It shows 2 separate accounts on my credit report from them. Both accounts are showing a credit limit of {$300.00}. I have never heard of this company and I've never done business with them. In the payment status comments, It shows that the account had been transferred to XXXX XXXX XXXX but, Its listing Bank of XXXX XXXX as the company that is reporting the negative account. Not XXXX XXXX XXXX. I have had someone to steal my identity in the past and these are definitely not my accounts. The address associated with this account is not even the address that I lived at. I will provide a Lease showing the address where I stayed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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 following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I have filed and completed a police report regarding these accounts and inquires. 

Fraudulent Accounts- 1. XXXX-original creditor XXXX XXXX- - Open date XX/XX/XXXX 2. XXXX XXXX- original creditor XXXX XXXX- - Open date- XX/XX/XXXX 3. XXXX XXXX -- Open date XX/XX/XXXX 4. XXXX- Open date- XX/XX/XXXX Fraudulent Inquires- 1.XXXX XXXX- Inquiry date- XX/XX/XXXX 2. XXXX XXXX- XXXXnquiry date- XXXX XXXX, XXXX 3. XXXX XXXX Inquiry date- XX/XX/XXXX 4. XXXX XXXX- inquiry date- XX/XX/XXXX 5. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 6. XXXX XXXX XXXX XXXX- Inquiry date- XX/XX/XXXX 7. EQUIFAX MORTGAGE SERVICES-Inquiry date- XX/XX/XXXX 8. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 11. XXXX XXXX XXXX- Inquiry date- XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company takes a variety of tactics to reclaim a debt. I first discovered an attempt to collect this debt after I was sued by this company. I did not show up to court, and they received a default judgement against me. The debtors then seized my assets which I proved were protected under the law and attempts to collect we 're closed by the court. After I had stopped them from taking my funds. For the last year, they have used a number of tactics to get this debt including contacting a 3rd party about my debt, reporting to the collection agencies when I disputed the account, and they reported the judgement entered to the credit agencies after I asked them to remove the debt. I had asked them to verify the debt after receiving the judgement, including my signature, but they never produced these documents. Instead they sent me old statements, which I know does not qualify as adequate verification of debt in the state of Illinois. They still are claiming that they have provided me with verification. I contacted the original creditor to see if I can dispute the debt with them directly, as this company is extremely difficult to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PNC account won't link to XXXX XXXX 's XXXX account so that I can pay my rent. Error message keeps coming up about connectivity issues with the bank.

Company response to consumer: Closed with explanation