BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AMERICAN PROFIT RECOVERY, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
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:
I had my ID stolen in XXXX OHIO and I have several accounts and address on my credit report that are not mine. I was in the hospital with XXXX XXXX I was unconscious for two weeks in a coma and was unable to attend to my personal affairs. Someone had access my ID and SS and used my personal credit to open up accounts. Please remove the following addresses they are not mines : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX PXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/2018 XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX THE FOLLOWING NUMBERS ARE NOT MINE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX THE FOLLOWING ACCOUNTS ARE FRAUDULENT PLEASE DELETE : XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, CREDIT XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo keeps taking money out of my accounts. When I checked my savings account balance, it was negative because they declined a legitimate check from XXXX XXXX XXXX which was deposited at a local ATM. Then they charged a fee for this declined check and are making me wait two business days for them to get around to telling me why this happened. 

For the record I have deposited the same checks from the same company four or five times already without issues. 

This is only the latest of several serious problems with WF. For example, when I reported my card lost the cancelled the card and promised my digital wallet would still work, but it didnt, so I could not purchase anything. Some time later they reversed a claim they had previously approved so that my account had very low funds. 

Because of the theft of {$240.00} from my savings account I am forced to use money set aside for rent for daily expenses.

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 2020-09-17
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX a refund was processed ( {$480.00} ) to a card with Chase that was cancelled - last statement was XX/XX/XXXX. ( The original payment was XX/XX/XXXX ) I called Chase - the number on the credit card - and they can't find any record of the account looking up using social security number. They've removed all statements from the online systems and any record of the card - so we can't get the old number. 

We had the card since XX/XX/XXXX. I have nearly 500 emails referencing the last four digit of the card ( alerts and statement ready notices ), but nothing with the full number. 
I saw someone with a similar issue posted a complaint here and Chase then addressed and fixed the problem. 
I'm also trying to find out if the merchant can process the refund another way, but fear it is too late for that. 
I'm not sure what else I can do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: LOBEL FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My vehicle was repossessed on XX/XX/2018. The loan was due for XX/XX/XXXX for {$300.00} and XX/XX/XXXX for {$300.00} payment. I did not receive a letter of acceleration nor did I receive a notice of intent after the vehicle was repossessed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: MA
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 spent over a month calling this company and getting representatives that tell me hey agree they see my payment history and i should not have not one missed payment. They only thing I owe is excise tax, which i never got a copy from my town or the car company. When i call in i keep get a recording and i can not get an American representative one of the reps n the XXXX told me because there is an outstanding balance on the account which i do not owe! My payments are {$380.00} and i have been over paying for almost a year and a half to work on the excise tax as agreed by one of their reps. They are also trying to charge me a XXXX late charge and i am not late! 

I am attaching all of my payment history which anyone can clearly see there is no late payment in XXXX of 2020 as being reported to the credit bureaus. I am totally exhausted from trying to rectify this matter on my own, I disputed, wrote letters, i made calls and they say they are going to correct my payment history but they do not. Please help me.

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 2022-12-18
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted LVNV funding about XXXX yr ago and told them that this was NOT my credit account. I was told that it would be removed. As far as documentation goes, I only have a collection letter from them and NO other documents. Im not sure who opened this account, all I know is that they lived/lives in XXXX, XXXX Ive never lived in XXXX. Ive lived in XXXX, XXXX when/since/always this account was opened. I DONT know exactly how to get this removed from my credit report. Please advise me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: EQUIFAX, INC.
State: MA
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 spent over a month calling this company and getting representatives that tell me hey agree they see my payment history and i should not have not one missed payment. They only thing I owe is excise tax, which i never got a copy from my town or the car company. When i call in i keep get a recording and i can not get an American representative one of the reps n the XXXX told me because there is an outstanding balance on the account which i do not owe! My payments are {$380.00} and i have been over paying for almost a year and a half to work on the excise tax as agreed by one of  their reps. They are also trying to charge me a XXXX late charge and i am not late! 

I am attaching all of my payment history which anyone can clearly see there is no late payment in XXXX of 2020 as being reported to the credit bureaus. I am totally exhausted from trying to rectify this matter on my own, I disputed, wrote letters, i made calls and they say they are going to correct my payment history but they do not. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We are Executor and heirs to the property in question and we were not aware of a mortgage on the loan. We are in jeopardy of losing our family home because we were not served a Notice of Foreclosure. The deceased parties have been deceased since XX/XX/XXXX and XX/XX/XXXX with No mention of a mortgage. 

We need time to verify that the debt is in fact our family debt and if so we must be given a payoff so that we can settle the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
interest/fees charged ; attempts at reconciliation rebuffed ; request for records denied as " proprietary ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 spent over a month calling this company and getting representatives that tell me hey agree they see my payment history and i should not have not one missed payment. They only thing I owe is excise tax, which i never got a copy from my town or the car company. When i call in i keep get a recording and i can not get an American representative one of the reps n the XXXX told me because there is an outstanding balance on the account which i do not owe! My payments are {$380.00} and i have been over paying for almost a year and a half to work on the excise tax as agreed by one of their reps. They are also trying to charge me a XXXX late charge and i am not late! 

I am attaching all of my payment history which anyone can clearly see there is no late payment in XXXX of 2020 as being reported to the credit bureaus. I am totally exhausted from trying to rectify this matter on my own, I disputed, wrote letters, i made calls and they say they are going to correct my payment history but they do not. Please help me.

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 2023-07-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX 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 2023-07-18
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:
this fraudulent was opened using my personal information according to the 15 US code 1681c 2 a consumer reporting agency shall block the reporting of any info that a consumer identifies as the results of identity theft within 4 business days you are in violation- remove 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 2020-12-14
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I filed a complaint against Synchrony Bank for a promotion they offered, spend {$500.00} between XX/XX/XXXX and XX/XX/XXXX on non Gap brands and receive a {$50.00} gift certificate for XXXXGap. I called the bank/credit card company numerous times and could not get this {$50.00} credit. On XX/XX/XXXX I filed complaint # XXXX. A representative of the bank called me a short time after this and said they would look into this offer and get back to me. That was 5 weeks ago and I have not heard anything further. Looking at your CFPB site, I now see they have closed my complaint. 
THIS IS NOT CORRECT. I have not received my {$50.00} credit or heard back and they have no right to close this complaint. 
I can not spend more time on this and receive another patronizing phone call. Five weeks was plenty of time to investigate my complaint. I need to receive my {$50.00} credit now. 
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 2017-12-16
Company: FIRST HERITAGE CREDIT LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I initially had a personal loan and then they financed a car for me. I paid months in advance and was NEVER late. The former mgr, XXXX XXXX was wonderful and I was paid up until XX/XX/XXXX. So on XX/XX/XXXX, I made a double payment of XXXX, XXXX payments were XXXX through their automatic payment method XXXX, My balance at that time was XXXX and when I checked to see if the payments were applied, it showed my balance was XXXX. They only XXXX to principal. I called XXXX XXXX branch mgr in XXXX, AL to correct the problem and he has never RESPONDED. It still shows as only XXXX going to principal. I have asked for an audit of my account to no avail. 
Payment Entry Customer Name : XXXX XXXX Account Number : XXXX Contract Number : XXXX Last Payment Date : XX/XX/XXXX Last Payment Amount : $ XXXX Balance : {$2300.00} Regular Payment : {$270.00} Total Amount Due : {$270.00} Amount to Pay : To continue with your payment, please click " Continue '' below. 
To cancel your payment, please click " Cancel ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I opened a XXXX XXXX account near the end of XXXX and used it to buy a couch. I paid it off almost immediately and completely forgot about the card, until I received an email in early XXXX saying I owed hundreds of dollars in late fees and interest because of an obviously fraudulent charge ( it literally took a 3 second XXXX search to see that I'm not the only one to experience this particular fraud ). 

After letting the company know of the fraudulent charge and letting them know I was not going to pay anything under any circumstances, they called me almost daily until I blocked their number. I repeatedly informed them I would not be calling them, as I did not have time to waste solving a problem that wasn't mine because they couldn't type something into XXXX. They reversed the fraudulent charge but kept all the late fees and interest for some inscrutable reason and ended up closing my account after some time. I requested they correct my credit report, which they have still failed to do.

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 2020-09-17
Company: U.S. BANCORP
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This is a matter that was requested for remittance from US Bank to XXXX XXXX, and it was organized as remitted to US Bank and was not received at XXXX XXXX, So it is a concern about loss of remittance. 

1 Remittance request date ; XX/XX/2020. 
2 From US Bank to XXXX XXXX. 
3 Amount ; {$1200.00} 4 I have many time calls to US Bank, but the calls is not possible. 
( US Bank Customer service 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 2023-07-17
Company: ALLY FINANCIAL INC.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Received advertising for credit card on XXXX, emailed Ally telling them they were sending advertisement to XXXX XXXX at my address. I told them to remove my address from their mailing list/records. Never heard back. 
On XXXX another mailing ; on XXXX another mailing, contacted XXXX  case # XXXX ; XXXX another mailing, contacted XXXX ; another mailing XXXX, contacted ConsumerFinance.gov

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 2018-03-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Due to the confusing nature of the way hotel charges are processed, my account became overdrawn when multiple hotel charges were processed, then removed and reappeared on my account. My checking account is currently overdrawn due to this practise. These transaction occurred during the month of XX/XX/XXXX and XX/XX/XXXX in the amount of {$270.00}. I contact Wells Fargo to explain what happened and seeking a resolution in XXXX, they were unwilling to consider any options.

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 2020-09-17
Company: Experian Information Solutions 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:
XXXX  XXXX XXXX did not have authorization or permissible purpose to access my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  XXXX XXXX did not have authorization or permissible purpose to access my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation