BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a lot of dispute letters to this credit report bureau, explained that the late payment appears on my credit report on XX/XX/XXXX, is incorrect. because i had called the bank itself a head of time acknowledged them about a financial hardship for that specific month which makes me pay in two portion, 10 days later. and i was promised that they will consider the good relationship with me as their customer and will not report that to the credit bureaus as a courtesy. but i was shocked after i obtained a copy of my credit report showing that late payment. so i disputed it with the credit bureau, also with the creditor itself, ( XXXX XXXX ). but instead of correcting that mistake they added a new late payment for the XX/XX/XXXX, while we are in XXXX i was told by XXXX XXXX through my phone calles, that they have already sent the deletion request to the credit bureau. but after 5 months waiting, calling, sending letters, i see no respectful results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: WELLS FARGO & COMPANY
State: AZ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Wells Fargo Credit Card was fraudulent with wire 2 wire transfers totaling {$8300.00} and after speaking with Wells Fargo XXXX dept. more times than I can count, over two months period, they did reimburse half of it and then just a couple days ago... again after many frustrating communications where we informed them we were going to sue, they released the other half into our account. BUT before we ever received the first half amount, Wells Fargo shamed us into paying the card off, which I did. However, after numerous calls still waiting to be reimbursed for all the FEES that they charged on the card that we no longer have. 
We are in our mid XXXX 's and because of all this we almost lost our car and home due to Wells Fargo lack of professionalism. As soon as we have been reimbursed for the unnecessary CC fees, we are closing our account. We truly hope Wells Fargo will do the right thing and allow us a settlement for our pain and suffering. 

This all started back in XXXX through this XXXX. 

Thank you, 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 2017-12-19
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a Citibank credit card in XXXX, and a week later I got a mailed offer of an opening reward way higher than mine. I tried to call the customer service several times but they 're not willing to match the reward because they said the reward is for new customers, which ironically I am. I seriously doubt if the lady understands English.

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 2021-03-26
Company: Suttell, Hammer & White, P.S
State: CA
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:
I got contacted by mail XX/XX/2021 by XXXX XXXX XXXX that they were hired to get a default judgement against me because i owe an alledged debt to a company called synchrony or XXXX I'm confused at this point. so I did a debt validation letter both in my hand writing and a typed letter to get clarification from XXXX XXXX XXXX. I sent it on XX/XX/2021 via USPS certified mail with tracking. On XX/XX/XXXX i got a letter in the with NO copy of any type of signed contractual agreement terms and conditions Nothing, instead there was a weird copy of a billing statement that has an address to pay paypal. Again NO Signed agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent you a letter last XXXX XXXX XXXXbut I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2019-04-16
Company: WELLS FARGO & COMPANY
State: MD
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:
Wells Fargo shows a late payment in XX/XX/2018 on my credit reports with all 3 credit reporting agencies. Wells Fargo has provided a letter stating that this payment was not late and that they reported as paid on time XX/XX/2018. Because they reported it correctly they aren't able to submit a change and said I need to dispute with XXXX, XXXX   and XXXX. I have tried with no luck getting the information corrected. This late is causing me to not be able to refinance.

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 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a letter to the credit bureaus asking XXXX and Trans Union to correct errors on my credit report. Almost 60 days have passed, and I have not received a response yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I keep getting calls from multiple credit card companies however, Im only XXXX I never have filed for a credit card and now my score is the low Somebody stole my Social Security, and has been using it racking up credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had filed a complaint last month charging fees that I had restated my mortgage then they tried to charge after ...  XXXX  account resolution officer said it was fixed and you closed my case after you closed it they went back in and charged it again I attached   XXXX   statement showing correct   XXXX   statement they doubled the attkrneybfees and charged more fees ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-03-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Attached is a timeline starting from XXXX XXXX,19 documenting  dates/times/SPS rep names of phone conversations. I am Appealing SPS 's continued practice of illegal Dual Tracking while in Active Modification, as well as in legal disputes, and while waiting for SPS responses to my written requests. During this entire time SPS has ALWAYS held a sale date over me signifying they are not serious about modifying my loan but taking my property away with foreclosure. I am reporting SPS 's deceptive, unfair business practices, deceitful, non-transparent dealings as well as dual-tracking violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Reliant Capital Solutions, LLC
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:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against a collection agency by the name of ( Reliant Capital solution ). 
This collection agency continues to perform Slander of Credit, by continuing to harass me, and by placing fraudulent false collection debt onto my credit files. 

In XXXX of XXXX, I had an attorney to write to this collection agency regarding this fraudulent debt that they continue to harass me about. 
( Copy of attorney letter attached ) In XXXX of XXXX, this collection agency was using the name of ( Reliant Recovery Solutions, LLC. ) And now on my credit files they are using the name of ( Reliant Capital Solution ), But that does not change the fact that I do not owe this debt, and they have not removed the fraudulent information off of my credit files. 

They continue to destroy my name, as well as my credit by placing a fraudulent collection amount of {$270.00} onto my credit files, lying and claiming that I owe XXXX XXXX   XXXX XXXX, and this is not true. 

I do not owe XXXX XXXX XXXX XXXX any outstanding debt, but this unscrupulous collection agency keeps ( RE-AGING ) fraudulent dates, and lies regarding this fraudulent collection amount, and placing this false fraudulent collection information onto my credit files. 

Its been years since Ive had anything to do with XXXX XXXX XXXX XXXX, I didnt spend much time enrolled in that corrupt, dysfunctional online school. 

They were in charge of all of my financial aid at the time, I did not leave that school owing them anything, if anything they stole from the Department of Education, because they didnt return all of the last funds that they withheld when I withdrew from their corrupt school. 

This deceitful, dishonest collection agency has again ( RE-AGED ), this false fraudulent collection account onto my credit files, showing a date of XXXX XX/XX/XXXX XXXX, with an update to the collection as of XXXX XX/XX/XXXX ). 

I need your assistance, I do not owe this fraudulent collection, and it should be against the law for this collection agency to continue to ruin my financial life over money that I do not owe. 

I want them to once and for all to clear my name of this fraudulent debt, I want hard copy proof on their letterhead that, that has been done, and I want this unscrupulous collection agency to stay out of my credit files. 
I want them to cease and desist from ever contacting me again regarding this fraudulent debt. 

I want the Consumer Financial Protection Bureau fully involved in this complaint until completion. Reliant Capital Solution can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau can contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Hello Digit, LLC
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A withdrawal of {$2.00} was made today XX/XX/2018 around XXXX est. I already requested my digits account to be closed and refunded all the money they took from me as I no longer wanted their services. They did refund that small balance months ago, but now they are still taking money out my account and have not closed my account and it's been over 90 days. I am worried they are just taking money out my account and I want them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX violation while in dispute reported to CRA 's Second you stated cease and desist was'nt myself, Request for information you refuse I do not enter in to any contract or agreement with out documentation you state you refuse to respond, Freedonm of information act states I can receive the documents s >NO DOCUMENTS NO CONTRACT Ten days to respond to all questions stated in these documents sent by way of CFPB I request you contact through the CFPB your response to this, If documents Mailed I request certified number of pages and tracking number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
Company: Mobiloans, LLC
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: Account status incorrect

Complaint:
I would like to know what happens, that your level of authority as an arbitrator or as a guarantee to users or clients of credits, can not take action against a company, which does not respond or in this case they ignore to eliminate the negative quota in my reports How long should I expect them to take action on this?

Company response to consumer: Untimely response
Consumer complaint received 2022-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company has failed to verify or prove to me that this debt is mine and to even indicate I have ever allowed Capital One to open an account under my name with an address I've never been associated with before nor did I have any of these companies any written nor verbal authorization to open an account falsely under my name. I have not lived in NY for nearly a decade as I've been living in Michigan. Yet Capital One and this collection agency is falsely trying to collect a debt that isn't mine and was resulted from identity theft. It's the company responsibility to ensure that the account was opened under my authorization only and not without my knowledge or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I called awhile back and someone put in a case number for me. Case number # XXXX. On XX/XX/2019 I mailed you all the communication documents that I have sent to USAA FEDERAL SAVINGS BANK and XXXX XXXX. I listed the case number on the envelope. Please review my documents and provide me with assistance in this matter. I sent them a proof of claim contract which both USAA and XXXX did not respond that has a Arbitration clause. Do you provide Arbitration?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
As coronavirus destroyed XXXX XXXX  industry and people stopped taking XXXX, I lost my income on my XXXX  XXXX  XXXX, however PenFed credit union to whom I owe money for my taxi loan demands me to pay my XXXX loan as if no coronavirus happened in New York. I would like you to ask PenFed credit union to delay with forcing me to pay my taxi loan to credit union as it is now the worst pandemic in 100 years and the worst recession since the XXXX XXXX. At the time of XXXX  crisis in New York, I could not get any income on my XXXX  XXXX  as there are no riders in XXXX XXXX  XXXX because tourists refused to travel to New York, airports do not work and people who get to New York from 29-states are expected to be kept in 14-days quarantine before they are allowed to walk on the streets. In addition, as the XXXX shows are closed there are no people who take XXXX  for that shows. My XXXX  agent refused to pay my lease payment on my two XXXX  XXXX  and put them into XXXX  storage saying that there is no income to pay me a lease payment. At the same time the XXXX   does not enforce any regulations on XXXX  XXXX  industry and ignores what happened in XXXX  industry. Without any income from my XXXX  XXXX, I am unable to pay PenFed credit union on my XXXX  loan. As I ask my PenFed credit union manager, XXXX XXXX, to delay with payment on my XXXX  loan until taxi business come back with people taking XXXX XXXX   again, he refused to listen to me. By forcing me with my loan payment to PenFed, which I am unable to pay as I have no income, I will default on my XXXX loan to PenFed would seize my XXXX XXXX  and everything I have worked hard all my life. I would like to ask you to tell PenFed to wait until coronavirus vaccine will come to New York and people won't feel scared to take XXXX  XXXX  again.

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 2017-12-19
Company: Experian Information Solutions Inc.
State: MI
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:
bankruptcy XXXX bankruptcy XXXX i supplied them with letter of dispute and reason and they refuse to update my account in a timely manner.

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 2020-12-06
Company: EQUIFAX, INC.
State: LA
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:
All 3 bureaus are reporting this account as debt still being owed. This account was promised to be removed from my credit BUT HAS UPDATED TO 50 % PAID. I SETTLED THIS ACCOUNT WITH XXXX XXXX AND IT WAS PROMISED TO BE REMOVED. SEE DOCUMENT ATTACHED. THE LAST UPDATE SHOWS I PAID THE XXXX AND XXXX IS STILL OWED. THIS IS INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On XX/XX/2020 I checked my interest rate for a personal loan with XXXX. Their website said " checking your rate will not effect your score ''. I filled out the necessary information and clicked check my rate. I then received an alert from Experian that XXXX had initiated a hard inquiry. I had to call them and email a copy of the experian report showing the inquiry. They mailed me a letter stating they would correct the error and remove the inquiry. It has not been removed as of today.

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 2018-10-30
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: Information belongs to someone else

Complaint:
After I acquired a copy of my credit report I noticed that there were two accounts listed on them. One was from XXXX XXXX XXXX ( Collections agency ) and the other was From XXXX/XXXX. I discovered they were related in that the XXXX account was closed, and the debt on the account was sold to XXXX XXXX XXXX for collections. I contacted The debt collector and told them that it was not my account on or around XX/XX/2018, they then told me to dispute the account with the Federal Trade Commission and obtain a support document to send to them. I proceeded as instructed, and the collections account was removed from my credit reports. I soon noticed that Equifax and XXXX  after many attempts to get the account removed from my credit report with them, and sending the same proof to them as I sent to XXXX XXXX XXXX, after a 30 day investigation they decided it was accurate, and left it in place.

Company response to consumer: Closed with explanation