BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have written the three credit bureaus Three times and I have yet to receive a response. Not one response from none of the bureaus. I wrote the bureaus on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. They are ignoring me and not responding at all. This is ridiculous. I work hard for my money to take care of me and my kids myself and they have me taking time out to write letters, spend money on gas and stamps and now Im having to write this complaint all at the same time while Im being denied things because stuff on my credit report is fraudulent and inaccurate. This is against the law and i want something done immediately

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 2020-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo took over my mortgage loan previously with XXXX XXXX XXXX XXXX, Deed of Trust Dated XX/XX/XXXX, XXXX in a letter dated XX/XX/XXXX, it was brought to their attention that the borrower 's payments were being misapplied. Wells Fargo chose to apply payments intended for the Principal to place payments in suspense or either advance the payment due date, in both cases did not benefit the borrower. This practice was carried on by Wells Fargo from XXXX, the borrower attempted on many occasions to communicate with Wells Fargo by telephone for them to explain and correct the situation. 
Wells Fargo responded to the borrower in a letter initialing denying any adverse action had occurred with the application of his payments. Subsequently, when legal counsel was brought in Wells Fargo story changed and stated that the borrower had not provided written instructions so that Wells Fargo could make Principal Payments in accordance with the Deed of Trust. 
Matters were further complicated by Wells Fargo when responding to our questions and request not to foreclose on the property until Wells Fargo applied the principal payments correctly, In addition, explain why they cease using the COSI ( A Cost of ) Savings Index ( COSI ) without notice to the borrower and substituted with EURO Dollar Index which the Federal Reserve ceased publication in XX/XX/XXXX, and again XX/XX/XXXX. Relying on the last date of Publication XXXX, The attached letter by Wells Fargo dated XX/XX/XXXX, clearly gives notice of a rate change in XX/XX/XXXX, and a change to a new index LIBOR, as a result of the EURO Dollar Index not being published. There appears to be a significant gap in the dates, moreover, Wells Fargo answer sheet attached is not truthful about the changes which will not occur. 
Wells Fargo claims to have transferred the loan and " washing their hands '' The borrower is left out in the cold without any answers while a multi-million company still moves along running over and abusing their customers.

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 2019-05-09
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: Investigation took more than 30 days

Complaint:
Please reference the letter that I am uploading. I sent this letter to Equifax and XXXX XXXX on XX/XX/XXXX. They were supposed to investigate the errors and respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2019, I received an advisory from XXXX  of a change in my credit file. 
Credit score lowered. It was a result of a credit inquiry by American Express into my file and a subsequent issuance of a credit card. 
Additionally I had to pay {$10.00} dollars to a mail service in order to receive the card in a heavy overstuffed envelope with propaganda so that I would be in my possession. 
The AE envelope had a return address of XXXX XXXX XXXX, XXXX, NE XXXX. 
The mailer paper holding the card furthe ID 's the sender as American Express National Bank. 
American Express had " slammed me '' - a term used when a potential service provider inscribes or switches a consumer without permission. 
I had previously received and email which lead me to a site. As I dug deeper I realized that they were pushing a new credit card. Having plenty of credit. I immediately stopped, backed out ( there was an option for such. and exited my browser to avoid proceeding further. 
When a called to handle this immediately, they pretended to transfer me to the fraud department. They hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-19
Company: Midwest Recovery Systems
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I WAS NOTIFIED BY XXXX XXXX THAT MIDWEST RECOVERY PUT XXXX IN COLLECTION ( RECYCLED COLLECTION 3RD PARTY ) FROM XX/XX/XXXXTHIS WAS CANCELLED BY THE STATE OF WISCONSIN BACK IN XX/XX/XXXXTHIS COMPANY WAS A PAY DAY LOAN THAT OVERCHARDEG HIGH INTEREST, IT WAS REMOVED FROM MY CREDIT REPORT, NOW IT WAS OPEN AGAIN ... ..FOR XXXX DOLLARS THIS COLLECTION AGENGY FAILED AND BROKE WISCONSIN AND FEDERAL LAW I THINK -- -- 1 THEY FAILED TO CONTACT ME BY MAIL WISCONSIN LAW CH 427 WISC STATS 30 DAYS MY RIGHTS THAT I HAVE ALSO ENFORCING PAY DAY LOANS IS NOT LEGAL IN WISCONSIN ... ... THAT ALSO INCLUDES WITH FEDERAL LAW THAT THEY FAILED TO CONTACT IN WRITING, THIS IS CAUSED MY CREDIT SCORE TO GO DOWN BY 40 POINTS, I AGAIN THIS DEBT WAS TAKING CARE OF BACK IN XX/XX/XXXX ... LOOKING ON THE LAW THE VIOLATED THE FAIR CREDIT ACT USC 1681 SUBJECT TO XXXX DOLLAR FINE I WANT THIS REMOVED RIGHT AWAY, AND NOTICE TO THE CREDIT BUREAU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent two sets of letters to have inquiries removed that I did not authorize. XXXX inquiries are concerning property rentals which I didnt authorize and live in a house and wasnt looking to move. XXXX from a credit card I didnt solicit and declined their credit offer and they closed the account when I contacted the creditor and lastly a inquiry for a car purchase when I had my financing in place.

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 2019-10-03
Company: EQUIFAX, INC.
State: GA
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 am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: PA
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 attempted to contact Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to any communication. I have sent them now 4 requests to review my file. When I called and spoke with a representative they said to me that they have not received any of my communications. I have a record of all communications sent, the third attempt was sent through UPS with a tracking number so I know it was sent. I have just recently sent them a final request through certified mail, however the damage is done as I have been waiting since XXXX of last year. I am attaching a copy of my final communication to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
On XX/XX/2020, XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX, XXXX XXXX and XXXX. Upon further research, this account was transferred/ sold and I am no longer responsible for the account. Debtor 's creditor did not verify this Collection. Also, there was no written from of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debts and anybody can send a bill and say it's mines. According to the FCRA XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I received a letter from Ditech Financial, LLC dated XX/XX/XXXX that said they were in the process of reviewing a written request from me. Their research has not concluded. They stated the letter was to notify me of their ongoing investigation in an effort to provide me with resolution. 
Below that the letter stated thee communication is from a debt collector. It is an attempt to collect a debt, and any information obtained will be used for that purpose. Farther below on the bottom of the letter it had a note that said " Forward Progress-Written Request, XX/XX/XXXX. 
It gave me a number to call which I did ( XXXX ). The person that answered said the letter was to get me to call about refinancing. I described the letter and said that so you send me a letter describing that there is an issue with my credit ... .and that I have made a written request to resolve so that you can try to get me to refinance - his answer was " yes ''. I had previously told him that I was not interested in refinancing but then after he confirmed the unethical practice they were using with the letter I told him that I may now consider refinancing with another more ethical company. 
This type of solicitation should be illegal!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have an issue with CapitalOne Credit Services and how they decide on giving a credit limit increase. First, it is done all by computers and the request can only be made online. There is no human element to assist or escalate any issues or complaints. I tried reaching out to their management and was not able to get an solution rectified.

I also tried reaching out to their Corp Offices who were also unable to direct me to anyone but their same customer service line that would not improve the issue.

Issue : Requested a line increase since I have had this card for over 7 years now I only had one small increase to my limit. Keep getting declined due to an old credit score instead of processing the most recent which is how most banks follow procedure and review. 

I tried both XX/XX/XXXX and XX/XX/2021 whereby my scores were much higher and have had very bad experiences with CapitalOne 's scoring system which attached are two decline letters referencing my credit score in XX/XX/2021 which is an old score and reading of my current credit. I feel it is negligent on the Bank 's part to be using an old credit score and not pulling my current one to enable to have the privlege of receiving an increase to make higher priced purchases. It also make me feel CapitalOne doesn't want my business where I am being tempted to just close this account since they have been uncooperative to work with and handle this situation correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: WI
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:
My credit score dipped XXXX points in XXXX. I now see remarks on all my files from XXXX just because I disputed and they filed in their favor. I will soon be buying a new home and my score is in the XXXX! I was in the XXXX 2 months ago. This is unacceptable. I have proof now that your forbearance plan shows NO DATA when I was paying mortgage in FULL after XX/XX/2020. I made a payment in XX/XX/2020, but since you set me up on the COVID plan. They forced the dates in XXXX. I also started paying right away and told XXXX that I no longer wanted the plan, but they did not stop this plan until XX/XX/2020 without my consent hence my unapplied payments I kept making and they having to manually enter them, but I paid my mortgage in FULL every single month I have had this loan. Like I stated before, the only months that were deferred were XXXX & XX/XX/2020. I just paid this loan off and I have paid back the {$1500.00} in FULL, but now having FORBEARANCE on my account is also going to hurt my credit. I have all my statements to prove this. So why are all credit reports showing NO DATA for all the months up to XX/XX/2020? Because XXXX did not report me correctly. This should show PAID as HUD paid those XXXX months for me and I want these remarks removed from my credit reports and especially my sister XXXX XXXX as she was not even living in the home anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion is reporting fraudulent accounts open in my name. I requested to the accounts be deleted from my credit report and they have failed to do this. There are three accounts from XXXX XXXX. One account from XXXX XXXX an another from 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 2020-12-05
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
us bank reliacard came in the mail in my name. 

Impossible to reach fraud services or report to us bank because the card needs a pin to get through the automated system

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 2021-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
XXXX. {$39.00}. I Never use this debit card purchase, The boa security notification me some one use my card purchase on the online. I just told the boa, thats not my purchase and then boa locked my card.after one months, But dispute fail. Boa dont refund money. I need appear. That address is wrong. Phone number is wrong. Why my dispute fail. Please help me. Thank you. Bank of America

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 2019-05-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX I called to enroll ( re-enroll ) with '' XXXX  XXXX '' protection for comenitybank/XXXX XXXX. I was told by them that i could not enroll in the protection plan and was not given a reason. they ( XXXX  XXXX  ) referred me back to comenity/XXXX to call them for enrollment. Comenity/XXXX  referred me to the website, which would not allow me to enroll either. then referred me back to XXXX   XXXX! This back and forth game ( at my expense ) went on for approximately 2.5 hrs on the phone, from XXXX XXXX. No one would assist me or give me a straight answer! Finally I got through to the customer care resolutions dept, a complaint was sent on my behalf to the escalation dept as well. I received a call on XX/XX/XXXX, from the resolution dept who apologized to me and told me that I would be able to enroll in the XXXX XXXX program. she gave me steps to go online and enroll. I tried and could not get through. I called again to assure, who would not assist me and gave me back to call comenity/samuels. and the nonsense '' ball bouncing '' started all over again! i told them to " stop '', that I've had enough and that I was going to file a complaint! I believe the reason that they are not permitting me to enroll is because I disenrolled in XX/XX/XXXX because I had no idea that they had enrolled me without my consent in the first place and did not understand what the program was about. Also, I am filing the complaint because they are negatively reporting me on my credit -XXXX XXXX showing " closed '' acct. ( involuntarily ) because the store closed. this is causing my credit score to drop by 15 %!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is concerning the property located at XXXX XXXX XXXX, XXXX, TX XXXX. The property has been vacant for more than 18 months and is having a negative affect on the surrounding properties and the XXXX finances. We believe the mortgage company is delaying their foreclosure in an effort to take responsibility for the property including maintenance and paying HOA dues. We are also concerned that this obviously vacant house is becoming a location for elicit activities causing great concerns to neighbors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: FORD MOTOR CREDIT CO.
State: RI
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:
I'm trying to remove 3 missed payments off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Cordoba & Associates
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A person named : XXXX XXXX Called me at work telling me that I own money to XXXX XXXX, This account was already discharged on Bankruptcy and she is telling me is another account. 
When I asked to send me all the paper work to my address the person was very rude an told me ill see in court. 
The number was XXXX-XXXX-XXXX.

The male that was rude call me back from a XXXX-XXXX-XXXX-XXXX I also sent the bankruptcy papers to a Fax XXXX-XXXX-XXXX-XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-08-05
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My daughter, a minor at the time, was in the process of purchasing a vehicle and called my auto insurance carrier, who, at the time, was XXXX  XXXX. She gave them my personal information and added herself to my policy. Soon after, she was incarcerated on an unrelated charge. I received the bill and immediately called XXXX  XXXX to have her removed and to dispute the charge. They did not immediately remove her and I was billed another month. I called, once again, to have her removed from the policy and to follow up on dispute. Although they claim to record their calls and could have immediately noted that this was not me adding her to policy, they refused to review call and stated that since she had my personal information, it was valid and I owed the two months. They stated that they would not go back to review my initial phone call asking to remove her after one month and once again stated I owed both months. I have tried to dispute this via XXXX XXXX and it was not resolved so I am not turning to Consumer Financial Protection Bureau for help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation