BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-24
Company: WELLS FARGO & COMPANY
State: TX
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:
I made a payment in the amount of XXXX and well fargo put half of it on hold and I was told I need to wait four days for the hold to be released now this is the sixth time they have done this I havent seen other banks I do business with would put this my payments on hold now Im worried that I will be charged interest for cash advances and I was charged interest last month but I paid my cash advances in full and I cant afford to keep paying interest and I will not pay them .... but I technically paid my well fargo credit card in full but I only have XXXX available credit in my card and that not right at all ... .. I dont know what well fargo expect me to do ... XXXX all I want is for my credit card to be paid in full so I dont get any interest or late fees reported to my credit report and they keep putting my larger payments on hold and each time I have to go to the library and fax in documentation to release the hold early and I dont have lots of money and fax cost me ton of money

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 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ; XXXX   XXXX ; XXXX 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 2019-04-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
to whom it may concern I was mislead by this credit card by PayPal I received an offer for this credit card with terms saying I have the right to access my transactions making payment redeem my points online anytime I want and I will receive an online statement every month meanwhile ever-since I got this credit card I was blocked from access my account information they send me an email saying I should press the option in the email to be able to see my statement but when I do it tell me login Not permitted and this the same message it tell me every time I try to login to my account to using my XXXX or my lopped or even my desktop .this happening for more than 6 month I am not able to see my statement my transactions or redeem my points that I earn using my own money. I believe the reason behind all that so I can say when they overcharging me from interest and fess giving the fact they blocking from even making payments online which this violates the terms I was giving by them and this make me using the phone system to making payments which it takes me up to 34 minutes to make the payment. Attached screenshot of my attempt to access my 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 explanation
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/XXXX i disputed XXXX XXXX XXXX XXXX to XXXX   and XXXX and transunion and no one has done a full investigation into the credit card. I'm reaching out to you because i also called these bureau explaining that i reach out to the collector and then to the collection office where i paid my full payment. They both don't have any information on their system with my name or bday or social and a year ago i pay XXXX XXXX XXXX XXXX. On XX/XX/XXXX i explain again the situation and still the update to my account remains the same with the statement " updated- information on this item has been updated. please review your report for the details '' meaning they put a new date that the account was reported when this account was first reported in XX/XX/XXXXand they continue to put in false information. I have all the proof of them changing all my current information to new information that does not make sense to my account. Please i need to get help with this cause their doing this to all my accounts that are negative that i am trying to fix and making the situation harder on me. I have all the proof if needed.

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 2020-01-24
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: Account information incorrect

Complaint:
Equifax continues to report inaccuracies to me credit report and after disputing them for over a year, they continue to report them verified without any documentation that I requested from them per the Fair Credit Reporting Act. There are 5 accounts that I have disputed due to last payment dates being different from 1 credit bureau to another. I asked for the names and phone numbers to each and every human Equifax verified with and they have not sent me anything. I am including the last letter sent to them asking for all verified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Dear Sir/Madam : I have enclosed cover letter, exhibits group A and B, nature of the complaints and 'things worth to take a second look ' into my encountering of the predatory loan process in last XX/XX/2018. The application took place at the commercial lending department at JC Morgan Chase, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I have two major complaints, one is the client manager teamed up with 3rd party ( XXXX ), to prey on his applicant for more fee and charges to close the loan. The other complaint is I was misled by false advertisement, 'flyer of 5 free '. The client manager gave promise there would be only {$2000.00} charge for the loan process, the other {$7000.00} deposit would be refundable even I elected not to close the loan eventually. Everything I said herewith is the whole truth, nothing but the truth. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
From XX/XX/2018 till now our account has been charged a monthly fee of {$16.00} per month ( total of {$80.00} ). Last year when I checked with the local branch they told me that our account has no monthly fees regardless of balance. They completely lied and misrepresented the facts. They are not responsive. This amount should be refunded and we will close this account in the near future. Bank of America lied, WE WANT OUR MONEY REFUNDED.

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 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX {$6100.00} XXXX  XXXX {$2300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I received a letter from PNC stating my account should be closed by XX/XX/XXXX as a business decision by PNC bank. I spoke with XXXX from PNC corporate office in XXXX, PA on XX/XX/XXXX. I have sent him numerous emails and calls and he has not contacted me back. 

I am being charged fees from my credit line and service charge fees as my accounts are still open. All my accounts need to be closed ASAP and all fees waived by PNC Bank as they did not execute the closure by XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-28
Company: EQUIFAX, INC.
State: NC
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:
This stems from an alleged amount still owed to XXXX XXXX XXXX, that went into collections. XXXX XXXX XXXX had been contacted numerous times with regards to this problem of a balance that is NOT owed. XXXX XXXX XXXX repeatedly transferred me from one department to another. One would tell me it was paid, and another would tell me they had no record of it but that it must owed because it went collections. When disputing this claim with the credit agencies, I would receive no answer from one and another would say it was legitimate. Neither Equifax, XXXX or XXXX XXXX XXXX would provide me with documentation justifying the amount allegedly owed. For the last 4+ years I have been trying to get this resolved to no avail. when I changed telephone service providers XXXX XXXX XXXX would not release the phone numbers unless the balance was paid, so needless to say any outstanding balance was paid. I believe the credit reporting agencies, XXXX and Equifax, went no further than the collection agency, XXXX XXXX XXXX, to verify the validity of the claim, when XXXX XXXX XXXX, the alleged source, should have been contacted to verify the validity of the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a formal complaint that PORTFOLIO RECOVERY are reporting inaccurate information. I am in distressed since finding out they have included the information on my credit profile, not only did they fail to maintain to follow the proper steps to determine wether the information was fraudulent, but they have continued to harass with out giving me the opportunity to defend these false claims. I am not in the best position to pay or lose money on an account that is not mine. As a matter a fact, they lack to do their due diligence, which is required by law, meanwhile I'm in distress because it's preventing me from obtaining a stable job. Please, I would appreciate any assistance with this misleading company. I have attempted to explain that this account was fraudulently opened to set me up for failure, and is now impacting my personal and professional lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
State: AZ
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, I sent a letter to Experian, XXXX XXXX and XXXX XXXX Risk Solutions to dispute bankruptcy. XXXX XXXX did respond to my dispute saying that they were unable to verify the accuracy of the bankruptcy, so they deleted the record immediately. Also, XXXX XXXX sent me a letter saying they tried to contact Experian but they did not respond. I started the dispute since XXXX but the 3 Bureaus never responded to any of my letters regarding my dispute. Please help me reach out to the Bureaus because they ignore my request. I have applied for mortgage for several times but I always got rejections. I am really looking forward for your help anent this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter toXX/XX/XXXX, Transunion,XX/XX/XXXX and XXXX XXXX Risk Solutions to dispute bankruptcy. XXXX XXXX did respond to my dispute saying that they were unable to verify the accuracy of the bankruptcy, so they deleted the record immediately. Also, XXXX XXXX sent me a letter saying they tried to contact XX/XX/XXXX but they did not respond. I started the dispute since XXXX but the 3 Bureaus never responded to any of my letters regarding my dispute. Please help me reach out to the Bureaus because they ignore my request. I have applied for mortgage for several times but I always got rejections. I am really looking forward for your help anent this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Experian Information Solutions 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:
XXXX XXXX XXXX is in Violation of 15 USC 1692c ( c ) 2 & 15 USC 1681b

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After years of never missing a payment on my Bank of America Visa, I missed a {$40.00} payment in XXXX because I never received a statement. I never went paperless. And I didn't receive any notification until XXXX. Then I contacted them and learned they'd been charging late fees of {$39.00} per month and have closed my account. And this shows on my credit report.

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 2019-04-24
Company: Credit Plus Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I gave no authorization for my credit report to be pulled. For our mortgage approval the request specifically said to pull only my husband 's report. The auto inquiries pulled over the last couple weeks was supposed to be limited to one bank, not the multiple inquiries that I see on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I received the first phone call from XXXX. The caller identified them self as calling from Commonwealth Financial. I advised I do not have any business with Commonwealth Financial.  The caller hung up. I returned the phone call asking to speak with a manager. I advised I do not have business with them and to stop calling my cell phone. Agent hung up. 
On XX/XX/XXXX I received another phone call XXXX. The caller again identified from Commonwealth Financial calling about a business matter. I advised the caller I do not have any business matters with them. I asked the caller to stop calling my cell phone. The caller hung up. I called the # on their website XXXX and the answering party hung up when I asked to have my cell phone number removed from calls. 

I went on their website in an attempt to see if any " accounts '' exist. They have a look-up system. Based on their search criteria, I do not have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Cooling & Winters sued us for a debt that was past the statute of limitations. They ripped us off!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: AR Resources, Inc.
State: MI
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:
The creditor listed in this collection account never belonged to me. This has to be an error. I gave no consent for this original creditor to use my information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2019 I was supposed to be reissued a cashier 's check of my remaining balance in my account with bank of America. They had mailed me a cashier 's check after 3 years of fighting with them over it. I contacted the OTC, and in doing so was approved for my money. Bank of America sent my cashier 's check to the wrong address. So I then had to wait the 90 days and yet I still have not received my money.

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 2020-05-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These are not my accounts, addresses on file, name on file, nor did I authorize these companies to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On about XX/XX/XXXX through XXXX of XXXX, I have contacted XXXX and inform them of my hardship and that I wasn't able to make the same payments that I was making nor to pay off the credit card in full like I normally was doing. I asked for assistance in paying less of the minimum until I pay off the account, suggested to payment arrangements, and or freeze my account from recurring past dues and interest charges. Of course, they treated me calling every day at all times to the attempt of harassing and not helping me at all. 
On XX/XX/XXXX I was hired to work at the XXXX XXXX XXXX XXXX XXXX XXXX in which 3 weeks later I was let go being sued according to some workers that came to my attention with it when I asked for assistance I was turned down and because of this sue allegedly reasoning for termination of my employment with no warning no discipline actions of any kind. The information is given " didn't work out because I wanted to serve the communities and children '' ( low blow ). 3 days later this woman hired to deliver the court hearing threatened me if I didn't open my door and let her in. Her on words I have something to give you, you need to open the door, and if not everyone will know your business. She continue pushing my door louder and demanded for me to open my door. She was impersonating to be law enforcement didn't provide her name nor company she was representing. She continued to intimidate me by saying I have taken pictures of your car as well. The company suing me is called Midland Collector Management and the law firm working for them has not made an attempt to answer the letter requesting information as far as I do not know who is Midland Credit Management Inc. My case is XXXX

Company response to consumer: Closed with non-monetary relief