BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-27
Company: WELLS FARGO & COMPANY
State: CA
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:
This is in regards to a BusinessLine Mastercard with Wells Fargo.I had an  outstanding balance with favorable interest rates ( adjustable based on some index ) that had no expiry date ; it was offered to me more perhaps close to 10 years ago. Because I had a large amount of unused credit, last year the bank offered 3.99 % for 12 months. I called in to ask if payments would be applied to the balance with lower interest rate ( which I wanted because it has an expiry date ) and was told yes. However, in reality that is not the case. Some amounts were applied to the lower interest rates but some to the higher one. When I called in to request that all of the payment ( after interest and bank fees ) to be applied to the lower interest rates ( which has upcoming expiry date ), I was  told that that's not possible because they " can not make adjustments ''. When I asked why the payment was not applied to the lower interest rates as I was told, the reply was that that's the general practice but not always and I was referred to some fine prints that says the bank can decide how to apply payments. Most of the phone reps didn't even know about this fine print. I talked to three different phone reps and when I said payment was not applied to lower interest rates, they all initially seemed to think that their computer made a mistake!

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 2018-12-15
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Various date fromXX/XX/XXXX through XX/XX/XXXX, various amounts the Paypal -- XXXX aka XXXX XXXX proceeded to somehow make transaction through my paypal account some which, was made directly on each on my credit cards that was listed in paypal system. This company XXXX also threaten me if I told pay it would be reported my institution as if they wrote my paper which, they only proofread my documents however, the company also at the amount of editing/proofreading was to be done by paying came back three days later to request more money because they stated it was the wrong price given. This was fraud. I contacted paypal and paypal stated they have zero tolerance for companies that conduct business to get over on customer. However, paypal stated limits or cancellation could be an option no documents was request and Paypal continues to allow company 's like XXXX ( XXXX XXXX ) to get over on customer without taking action. Paypal has not found out how this company was able to charge all my credit cards at one time making dup charges. Please see attachment.. Reference case # XXXX and transaction id # XXXX. XXXX ( XXXX XXXX ) has also falsified their location in Texas which, is a house purchase by and owner in XX/XX/XXXX. None of their numbers work and Texas Secretary of State has no listed info on this company. NO way to file charges or have them served ... Please see the companys " XXXX '' threaten chat posts and request after agree which was paid..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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: Information belongs to someone else

Complaint:
ALL FTC VIOLATIONS REPORTED TO THE FTC AND NOW YOU COMPANIES : XXXX  XXXX XXXX XXXX  {$610.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX  XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$610.00} High Balance {$610.00} Remarks -- XXXX XXXX XXXX {$500.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$500.00} High Balance {$500.00} Remarks -- Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 75 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$4500.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late 3/3/2 Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Deposit Related Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$230.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 39 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$100.00} Highest Balance {$98.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/3 Remarks Fixed rate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
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: Information belongs to someone else

Complaint:
I have already reached out once to Experian & XXXX about the 2 following accounts : 1. XXXX XXXX XXXX - {$450.00}. This account do not belong to me.

2.XXXX XXXX XXXX- {$12000.00} account does not belong to me.

they response debts were verified - well according to the : Fair Debt Collection Practices Act -Section 809. Validation of debts : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account ( s ) listed above. 

Under the FCRA, unverified, invalid accounts must be removed.

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 2020-06-30
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had this debt ... I have asked them to validate it multiple times and they won't ... They keep saying that they sent me debt validations, but haven't ... I asked them to email it to me, they said that they don't have access to email ... Said that they have never had email access ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Several days before the deadline I had attempted to submit my application and was running into technical issues. Every time I would hit my submit application button I would get a spinning wheel letting me know the submission was completely but it would never take me to a completion page. 

I received marketing on the XXXX, XXXX, and XXXX of XXXX to complete my application and every time I tried to, I couldn't get it to complete. 

As a last resort I contact Simple via XXXX and let them know that I was having them problem. I contacted Simple via XXXX  at XXXX CST on XX/XX/15 and they were aware of the issue because they had a concise answer and recommended I remove or disable any browser extensions, which they responded an hour later ( XXXX CST ). Once I turned off my popup blocker, my application was submitted and approved instantly. 

The problem I realized today was due to this technical difficulty that Simple was aware of I had not met the time deadline for the promotion although I had met all of the other requirements.I think a fair resolution would be to give me the {$400.00} for the promotion I had signed up for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CAPITAL ONE BANK USA NA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$250.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Accounts keep appearing on my credit Report that has been previously removed and or have not been validated

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 2018-11-27
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a mortgage, serviced by Shellpoint, which has been in default for over 5 years. My ex-husband was awarded the home. I was removed from the deed years ago and he ultimately refused to sell the house, allowed it to go it foreclosure and now filed bankruptcy to negate any financial responsibility. I've practically begged Shellpoint to foreclose on the home to put a period on the final item within my divorce that has been open for eight years. They refuse. I can not obtain credit because the account just  remains open in a very negative status accruing thousands and thousands of dollar in interest. I refuse to file bankruptcy. I've scraped to put my daughter through college. I can not obtain any type a loan because of this item and when it is foreclosed, face an additional seven years of negative reporting plus a potential lawsuit from Shellpoint because of any deficiency balance. I've complained many times, I am the only one receiving bills, calls, notices on a home that I have zero power in its final fate. It is deceptive on the part of Shellpoint to allow this loan to continue to accrue interest, to not execute a timely foreclosure and not provide a chance to work through and settle any deficiency balance. My ex-husband has lived in that home, mortgage free for almost 5 years. I don't understand how to end this nightmare and need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to dispute information with the credit bureau and they denied my request to investigate and remove unverified 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 2018-11-27
Company: SYNCHRONY FINANCIAL
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:
SYNCB on My credit report twice First hard inquiry-XX/XX/17-National Credit cards/Airline Second hard inquiry-XX/XX/17-National Credit cards/Airline Both of these are completely wrong- I have tried calling SYNCB, National Credit Cards, XXXX XXXX and XXXX   and I keep getting the run around.

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 2020-12-16
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:
XX/XX/2020, I sent a certified letter to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting verification of the debt I allegedly owe. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( XXXX, Transunion, and XXXX  ). I never received a response back for the information I requested. From my understanding I have a right to dispute this information and receive a response. The Fair Credit Billing Act ( FCBA ) lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute. For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed. Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. Field 7 Consumer Account is reporting inaccurately, because the account number XXXX has been redacted ( Report the individual 's complete and unique account number as extracted from your file ). The account number is redacted and could be any range of numbers belonging to anyone. This is also, a possibility of this being a mixed or merged account. Do not include embedded blanks or special characters. Field 25-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. Field 26-Date closed is incomplete, because it is not being reported. Field 27- Date of last payment is incomplete, because it is not being reported. Additionally, this account has not been marked for dispute when I sent the letter disputing the debt. 15 U.S.C 1681s-2 ( B ) ( 3 )

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 2018-11-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient has private interest rates on my loans set for 13.25 % I have almost {$50000.00} in private loans, its been at this high interest rate since I graduated. They tell me, they don't set the interest rates, there is nothing they can do. This company is a virus, they make it so you can only pay interest and nothing happens to the balance. I have tried everything with them but my credit score is too low to refinance with another company and I can't find a co-signer that works either. I have been out of school for 6 years, I have a good paying job I am an XXXX - what they are doing is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: TX
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:
I attempted to access my Equifax report on XX/XX/XXXX I received a response that I was not in the system then I receive a post card mailer telling me they wanted all my identification., I accessed it through initiation of a dispute someone is accessing my report they had a phone number listed it had all numbers masked except the last XXXX digits which were XXXX XXXX XXXX And as of today I accesses my report with no phone number listed and the inquiries on my report are fraud which I can not dispute because the link listed is no good XXXX. I have my last report plus the one today and the hard inquiries as well as the soft have been the on going battle of disputing items for over 10 years with Equifax I have my reports that date back to XXXX to the present day, And XXXX report I can not ever access on line eve! r I have attempted by phone and www with no success the fraud forgery and aggressive ID theft is within these organizations .and my reports are dated back to XXXX when all the fraud began and XXXX  has manipulated my reports by changing my report file in XXXX XXXX all three of this services are fraud deception in the violations of the practices that are on going.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: MT
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 recently reviewed my credit report and I observed that XXXX are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. This is a list of alleged late payments : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

NOTE : I have requested this same information to be provided to me by XXXX and as of todays date XXXX hasn't complied with my request.

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 2021-07-13
Company: Chime Financial Inc
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a XXXX American and my stimulus and 3 months worth of XXXX was stolen when my chime card was stolen and they refuse to do anything. saying that I didn't give enough proof that It was fraud. 
enough evidence was given with dates from extremely reputable sources. Legally I am to be shown as " in good faith '' since I in good faith used chime to hold my money. 

fraudulent transactions stealing someone's XXXX money it's not very much, but this company is a joke as far as disputing anything they always deny. And we as consumers suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: EQUIFAX, INC.
State: OH
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 submitted an identity theft report and the FCRA 605b ( 15 U.S.C. 1681c-2 )  statement to have an account from XXXX removed and the account was not removed. The FCRA 605b ( 15 U.S.C. 1681c-2 ) states that : a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. This was not done. They just did they regular dispute process and they did not remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX  is incorrectly reporting information on the following two accounts : Account # XXXX Original Creditor : XXXX XXXX XXXX Balance : {$410.00} Original Balance : {$500.00} Account # XXXX Original Creditor : XXXX XXXX XXXX Balance {$330.00} Original Balance {$330.00} I mailed EXPERIAN a letter on XX/XX/XXXX. In the letter, I explained that I had been living in XXXX since XX/XX/XXXX and just returned to live in the USA in XX/XX/XXXX. Previously, I had only returned to the USA in XX/XX/XXXX, for business purposes. 

I included copies of my US Passport with my XXXX XXXX. They show every entry and exit out of XXXX. 

The letter further states that I never opened nor authorized any of the above accounts to be opened. I enclosed the copies of my passport XXXX  pages which supported my position and asked the company to reinvestigate the matters and to delete the disputed information. 

In addition to providing the inforamtion to EXPERIAN, I called XXXX XXXX XXXX XXXX, around XX/XX/XXXX. I explained that I sent my XXXX  and proof that I was living overseas and did not open the accounts. 

I have recently purchased a new truck and my interest is much higher due to the negative credit reporting provided by XXXX XXXX XXXX XXXX. Their inaction to address incorrect informaiton has resulted in financial harm and damage by requiring me to pay a much higher interest rate. The policies and practices employed by this company are contrary to Fair Credit Reporting Act ( FCRA ) laws and they should be reprimanded for the financial harm they have caused to myself and to many others. 

if this is not resolved, my next course of action will be to hire an attorney to sue them for the financial damages which have resulted from their noncompliance with FCRA laws. I hope that I do not have to waste time and money with this approach and hope that your office can assist in remedying this situation as well as place a note in their file indicating that their business does not comply with the Fair Credit Reporting Act laws. They are likely causing financial harm to many customers by their intentional inaction. 

I look forward to help from your agency with this matter. 

Very Respectfully, 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 non-monetary relief