BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-15
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Back in XX/XX/XXXX I was approved for Home Project Credit Card to complete a major project in my home from a lending institution. In XX/XX/XXXX I paid off the balance on the card. 

I attempted to you this card his morning ( XX/XX/XXXX ) only to discover that due to inactivity the lending institution closed the account in XX/XX/XXXX unbeknown to me. 

The same institution had some racket going on, that prompted me to give them a call back in XX/XX/XXXX I was informed at that time, that their system only showed two ( 2 ) accounts for me. 
I am disappointed that I was misinformed at the detriment of my Credit Score being affected. I strongly feel that I should have been advised at that time that the card had been closed. As a matter of fact I should have been made of the pending clousure of the account. Which could have provided me an opportunity to curtail this dilemma. 

My main concern here is my CREDIT SCORE. I should not have to suffer this setback if a lending institution decided to close its doors to me. If it was the other way around I could understand. I was at a place where I didnt need to use it so, I DIDNT ; now I need it and its not AVAILABLE!!

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 2021-05-01
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: Old information reappears or never goes away

Complaint:
The XXXX XXXX account keeps reporting late payments. This account should not be on my report. One month it will show all green payments on time, with 3 late payments for XXXX, XXXX, and XXXX, when it reported XX/XX/XXXX showed 1 late payment with no other payment history, today, XX/XX/XXXX, shows all late payments. The reporting on this account changes weekly and has been on my credit report to long. I have disputed this account, I have asked for verification of my signature and since XX/XX/XXXX I have still yet to receive any documentation proving this account is mine.

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 2020-10-28
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020, @ XXXX XXXX I checked my XXXX  account and noticed my credit score dropped 92 points due to an account being placed in collections. I called XXXX the next morning ( XX/XX/2020, XXXX ; XXXX XXXX  ) reporting the account and creditor as fraudulent. I've never been to any doctor or hospital at all. I was never aware of the debt it was just placed on my credit report. I take my credit very seriously so I always check my report to make sure incidents like this don't happen. I've been in this situation before. 

This debt is not mine. I have the right to challenge any and everything that is placed on my credit report. I need this taken off ASAP. This is hurting my score and my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: ALLY FINANCIAL INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Fix my crsdit

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 2021-09-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX XXXX loan number is XXXX social security number is XXXX date of birth XXXX. My complaint is that community loan servicing LLC took me off a covid forbearance I've been making my payments little by little I'm a little behind. But I suppose to be on the extended forbearance .that protects me for going default I got a phone call XX/XX/2021 saying I'm past due. When I call them they claim that I'm still on forbearance. But they never updated the system. And that can cause a serious problem .also community loan servicing Insurance department sent me a letter asking me for proof of hazard flood insurance for the out side of the condo I told them that the condo association is responsible for that and the condo policy is under XXXX XXXX  all they have to do is call them to get policy information regarding that issue. And they unlawfully sent me a letter saying that they were going to raise my mortgage payment next month. Regarding the other matter the forbearance. Also they keep charging me late fees and services fees for little things .I do have money in suspense and paying little by little around a XXXX every two weeks and sometimes XXXX. I told them to keep me on forbearance until I catch up on my payments and I was affected by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 have filed a dispute in regards to incorrect items on my credit file and it has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TD BANK US HOLDING 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 belongs to someone else

Complaint:
Nordstrom is reporting I have an account with them and I have never had an account with them. 

XXXX XXXX has an account on my credit and I have never had an account with them. 

XXXX XXXX has an account on my credit and I have never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
Greetings, I have initiated a multiple disputes with Experian over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for the Experian to respond with validated proof to delete this account per the Fair Credit Reporting Act. I have provided all requested documents to Experian including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " XXXX XXXX XXXX '' but they have also fail to fully validate contractually the account belongs to me. Below is the reporting account that should be Removed / Deleted from my Experian credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX- Account # : XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX XXXX : XXXX DOB :XX/XX/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 2018-02-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
About a month ago, I contacted your executive office about my XXXX credit card and late payments. I had advised the representative that there is a serious problem with making a payment online. I tried one more time online to make a payment as it is more convienent for me. I tried to select my bank account, and got an error, so I tried again. When I made the payment I received a message we have already received processed a payment for this bank account any payment date. Please view your payment history to cancel or edit a payment. 

I then check the following day-no payment! This has been happening to me for MONTHS. 

The agent did not seem to be concerned, or even wanting to fix the issue, and told me to pay by phone. OK, sure. Ill pay by phone. But why is synchrony NOT concerned that something may be broken and not want to fix it? Surely I cant be the only customer this has happened to. Im seriously wondering if this is a way to collect more revenue from late fees. I have saved screen shots of the message i received and it is attached to the complaint, plus showing no XXXX payment. 

Additionally, late fees, interest and an update to credit bureaus should be completed.

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 2021-11-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Entered wrong account number for wire transfer. Immediately called Wells Fargo on XX/XX/2021 to initiate dispute and pull the funds back. Received claim number called today XX/XX/2021 to follow up. I was transferred XXXX trying to get someone to assist with the claim. Nobody will take accountability on who is responsible for handing the dispute.

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 2019-02-15
Company: Experian Information Solutions 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:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I contacted the FTC and the police and Im doing this on my own behalf.

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 2018-10-15
Company: NAVY FEDERAL CREDIT UNION
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:
I built a home and was set to close on XX/XX/XXXX. As I was walking into the attorney 's office I received a call from XXXX stating they just ran my credit and we had an issue. It is reporting that I have a mortgage that is in charge off status. I do not now and never had a mortgage. 
XXXX was able to speak with the creditors and verify the info as being incorrect. Problem solved with XXXX. XXXX on the other hand. No so receptive. I've made multiple disputes we with XXXX. I had a Mobile home loan opened in XXXX with Navy Federal Credit union. Which is a personal consumer installment loan. I received a Title with a Vin number. I did not have a closing. I have since built another home which I am scheduled to on XX/XX/XXXX. Again when my credit file is pulled. XXXX   is still reporting it as a mortgage. Causing my to be denied. I was homeless for 2 weeks following the first accurence. I spoke with a supervisor @ Navy Federal ( Mr. XXXX XXXX XXXX XXXX ext. XXXX ) He is requesting that XXXX contacts him. XXXX is requesting Navy Federal to contact them. In the last 2 months I have contacted both @ least 15 times. Now when I call Navy Federal the counselor from the recovery that is assigned to my case refuses to help and keeps asking me " When do you plan on paying this? '' I have requested multiple times to not speak to her but keep sending it to her I need help A.S.A.P or I will be homeless once again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Experian Information Solutions Inc.
State: NE
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 report on XX/XX/XXXX. There is an account open under " XXXX XXXX '' that does not belong to me. I have never applied for a credit card or have had any type of account at this bank. 
I did try to call the number listed on the credit report : XXXX. However, it immediately asked for my card number, and that's something I don't have access to since the card doesn't belong to me. 
It says the date opened was XX/XX/XXXX and I was XXXX at that time.

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 2018-03-24
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
On XX/XX/2017, I made a payment to American Express in the amount of {$3700.00} for my corporate American Express card via XXXX XXXX online Bill Pay. However, the payment never posted to my account. After months of calling both American Express and XXXX XXXX, as well as, 3 failed Dispute filings, Im writing to engage both companies more formally and enlist support from agencies whose purpose it is to help protect consumers like me. 

American Express has held thousands of my dollars for 3 months claiming that it has not received my payment despite the fact that I have provided proof showing that the money has been sent. I dont know where American Express put my payment, but I want my payment immediately credited to my account permanently. 

Ive provided the XXXX XXXX proof of payment to American Express several times in the past 3 months. Additionally, on or about XX/XX/XXXX, a call took place that included an American Express representative, a XXXX XXXX representative, and me. During this call, the XXXX XXXX representative provided to the American Express representative the full American Express account number to which the payment was sent. XXXX XXXX has been unwilling to share the number with me due to privacy issues. Unfortunately, that call was disconnected before the American Express representative confirmed that she had found and applied the credit appropriately to my account. Despite that call and my 2 other dispute filing, American Express has failed to properly credit  my account. Please check the recorded phone records for the full American Express account number that XXXX XXXX provided as the account to which the payment was made. 

Please also look for accounts under my maiden name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Attn : Complaint Department I have recently pulled my Experian credit report and notice an account has been investigated and deleted by another credit bureau still being reported by Experian. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete these accounts for accurate reporting. They should be deleted in order to show my true credit history. 

XXXX has removed all accounts associated with XXXX XXXX XXXX. These collection agencies were reporting the following accounts from the following original creditors. 

XXXX XXXX XXXX Account # XXXX Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 



Thank you for your cooperation, 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
Consumer complaint received 2019-02-15
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is attempting to collect a debt from me that has been paid in full over 2 years ago. The debt was paid to a collection agency XXXX XXXX in XXXX of 2016. I have discovered that this company has a history of illegally attempting to collect debt, and I have now fallen victim. I have tried several times to reach them by phone and they have re-directed me to another company named XXXX ( phone number XXXX ) When I asked for an explanation as to why they are listed as the debt collector they stated they own the debt and XXXX services the debt. When I call XXXX several times, I can only leave a message and have gotten no replies back. As a consumer this is unfair and illegal, and I would like it if someone can investigate these companies. I am trying to obtain the bank statements from my bank, but because it was more than two years ago when this debt was payed in full, there is a process. I have also filed a complaint with the XXXX, as this is a very unfair practice to an innocent consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX of 2020 I contacted Capital One when I was made aware that payments in large amounts had been posted to my account. They said to give it a few days, and see what happens. I didn't want my accounts closed, nor suffer any more loss because it had been a bad year for me already loosing my job and having to move twice due to Hurrican Florence. A week later, nothing and I called again to advise them that I had not made these payments. I also noticed a new name was added to my account as well as an authorized user in which I did not agree to. They took all that information off, and had me change my login in information and passwords. However not once did they offer to do anything more than wait and watch. A few weeks later I was notified that the payments where being returned and my accounts would be closed. I have made my payments on time and have been in a great long standing relationship with Capital One. I am upset they did nothing, nor offered me any assistance to keep me protected as the customer. Then closed both my accounts without warning and resulting in horrible credit scoring when I have been in process of trying to buy a home and this whole disaster has hit me hard. I can't get anyone now at Capital One to look into the fraud or investigate it. I have made a police report because essentially I am being punished for something I tried to handle and have been let down and abused after being a long time customer. I have attached the police report for your review. I have two credit card accounts with Capital One. 
( there is a portion that asks for the card number, I out one in there, but I have two credit cards with capital one and this incident happened to both accounts. Please reach out to me for second account number if needed or if they can use information provided to access both accounts. ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Credit Systems International, 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:
In XXXX of 2021, I reported a dispute to Credit Systems International regarding an item I do not owe. I never received anything in the mail. They just put it on my bureau and left it there. I am trying to refinance my home. I just spoke with XXXX at Credit Systems International at XXXX. He stated he would delete/remove it from my credit bureau ; however, he refuses to provide with me any documentation stating that he will be removing it from the bureau. XXXX stated it will take 5 to 15 business days to disappear from my credit bureaus. I asked to speak with his Manager and he said they were unavailable. He said XXXX or XXXX would call me back, but we know how that goes. I would like a letter sent to me immediately stating the information has been deleted from my credit bureaus. The account number showing on my account is a medical bill XXXX Acct XXXX. Please use my fax number so that I can receive it asap. My fax number is XXXX. Thank you, XXXX XXXX XXXX last four of social XXXX adress is XXXX XXXX XXXX, XXXX XXXX, TX XXXX, phone XXXX, email XXXX XXXX

Company response to consumer: Closed with explanation