BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-13
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
hi I made a online account with = XXXX, for XXXX $ in the middle of the online transaction with the loan, the XXXX site had errors making it not getting to the process of funding my account, but I did sighn the loan docs etc, the site went bad over and over? now its on my = XXXX credit report saying I got the XXXX $ and listed, I, m asking for suffering and financial losses from XXXX website errors and more ok? 

I would like the Amount of = XXXX $ Deposited to my BANK, FROM FINANCAIL LOSSES, WEBSITE FRAUD & THEFT ETC AND RUINING MY CREDIT SCORE ETC, AND LOSSES FROM WORK, GAS, TIME, PLEASE DEPOSIT MY XXXX $ XXXX CREDIT REPORT # ID= XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened an account with Wells Fargo on XX/XX/XXXX. On XX/XX/XXXX, I made two purchases for a total of {$130.00} and should have had a remaining balance of roughly {$1400.00}. On XX/XX/XXXX, I received a phone call from XXXX from Wells Fargo stating there was potential fraud on my account. When I tried to log into my account, I received an error message stating my credentials were invalid. I called Wells Fargo and was transferred roughly 5 times and told a claim would need to be made, however, the representative did not verify any transactions. The representative reset my account and told me a new card would be mailed and ended the call. I had to log in and file a dispute for the $ XXXX in transactions myself. Several transactions also appear to be duplicated? Whenever I call the fraud team, I am simply transferred to multiple people and no one is able to help.

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 2018-01-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage. I hired an attorney to help me apply for a loan modification. My attorney faxed in my application and a third party authorization to Carrington Mortgage on XX/XX/XXXX. My attorney has been calling Carrington since then and they claim they still do not have the third party authorization uploaded into their system. They confirmed they had the application but they are purposely evading allowing my attorney to speak with them and thereby evading review of my application. As of today XX/XX/XXXX they still have not recognized my attorney 's third party authorization. They then tried to call me today on my cell phone asking for me to speak with them. I told them my attorney faxed you an authorization over a month ago and Carrington has purposely avoided recognizing that authorization. They tried to tell me they are missing paperwork and I told them I have an attorney and my attorney is the one who is handling all of this for me. Carrington is obviously trying to block my attorney from being able to help me. They evade review. Avoid conversations with my attorney by falsely stating they ca n't see the attorney 's authorization, however they can see my financials and application which was sent the same day with my application. My attorney says this is against RESPA Regulation X. Carrington is not allowed to evade review and they are now over the 30 day limit allowed to completely review my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Experian Information Solutions Inc.
State: ND
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:
Judgment was filed against us on XX/XX/XXXX with the XXXX XXXX Circuit court for {$2100.00}. Docket # XXXX Another judgment was filed against us on XX/XX/XXXX with the XXXX XXXX Circuit court for {$17000.00}. Docket # XXXX Bankruptcy was filed on XX/XX/XXXX and was XXXX in XXXX of XXXX. Docket # XXXX Both of these judgments are still showing up on our credit report as open/filed and need to be removed or closed.

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 2021-12-02
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
To summarize, Barclays charged me {$220.00} interest on a purchase that was not even due to be paid yet. 
My last statement on XXXX was only {$280.00}, so the interest is not on the previous balance. 
The next statement ending on XXXX showed a balance of {$15000.00} due on XXXX. 
In this statement period ( XXXX ), I made a {$12000.00} purchase. This purchase was made on XXXX, within the statement period of XXXX. 
The statement charged interest on this purchase immediately, and added an interest charge for that period XXXX before the statement due date of XXXX, or even before the closing date of XXXX. 
I have tried to resolve this several times via phone, via message on the Barclays site on XXXX, XXXX, XXXX, and via email to the office of Barclays president on XXXX, with no reply. 
I believe this is violation of the credit Card Act of 2009, and other laws governing credit card companies. 
Please help me resolve this matter. 
Thank you, M # # # # D # # # # #

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 2019-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 need to File a complaint On Transunion I have asked them 3 time do a Physical verification of erroneous unverified account on my credit file and they fail to do so. Now I won't a deletion of the accounts listed below I DO NOT WANT A UPDATE OR ANY CHANGES COMPLETE DELETION TO ANYTHING IT'S BEEN OVER 30 DAYS AND THEY FAILED TO DO THEIR JOB XXXX XXXX XXXX XXXX Not my account Number I won't these 2 accounts removed ASAP ALSO SEND ME PHYSICAL DOCUMENTS SUCH AS A CREDIT APP WITH MY SIGNTURE ATTACHED. 
IF THESE ACCOUNTS ARE NOT REMOVED I WILL FILE A LAWSUIT!

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 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
On XX/XX/XXXX, TransUnion sent me the result of a dispute I made with them regarding an account that was incorrectly shown on my credit report. The account showed up in XX/XX/XXXX. The company reporting the incorrect information is XXXX XXXX XXXX # XXXX in XXXX, IN. The amount shown is {$410.00} from XXXX XXXX XXXX. 

The original bill for XXXX XXXX XXXX was for my husband, XXXX XXXX. He went to the hospital on approximately XX/XX/XXXX. He killed himself on XX/XX/XXXX. I have supplied the death certificate to XXXX XXXX XXXX on two occasions in XXXX and asked that they remove the account from their records. They stated they would, but instead sent it for collections later that year. I spoke to the collection agency in XXXX and explained the situation. That collection agency stated they would remove the account ; however, in late XX/XX/XXXX, XXXX XXXX sent me a collection letter. I replied to XXXX explaining the situation ( in writing ), as well as over the phone stating that the debt does not belong to me. In XX/XX/XXXX, the company put the account on my credit report. I reported the error to TransUnion and XXXX. XXXX removed the account as their investigation found that the transaction was incorrect. TransUnion failed to remove the account stating the account is accurate. TransUnion is wrong and needs to remove the account.

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 2019-05-13
Company: AR Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon checking my credit score, I found a negative remark from a debt collection agency called AR Resources. The original creditor was listed as XXXX XXXX XXXX XXXX. I never received any bill or notification from AR Resources or XXXX XXXX XXXX, so I the negative remark on my credit report is obviously erroneous. 

I managed to contact XXXX XXXX XXXX ' billing agency, XXXX. As it turns out, XXXX used the wrong address when attempting to send me the bill. This incorrect address was passed on to AR Resources. Thus, I received no bill nor notification of any debt owed. 

XXXX admitted their fault, and requested via email that AR Resources remove any negative remarks from my credit report, as I never had the chance to pay any bill or debt. 

However, according to XXXX, AR Resources is refusing to correct my credit report until their account is settled. This is unreasonable as, again, I never received any bill because of XXXX XXXX admitted mistake. 

I have done nothing wrong, and yet my credit score is being negatively affected. I am currently applying for jobs, apartments, credit cards, new insurance, etc. So, my incorrect credit score is having real effects on my life. I don't understand why AR Resources won't correct my credit score, when the guilty party ( not me ) has admitted their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Medical-Commercial Audit Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I never signed any note with this company stating that I would pay them for services. I never gave permission to this company or any other company to report my personal information to another company or consumer. I called to rectify with company and was put on call block list and was told that they would cease and desist communication with myself and credit bureau but I am still seeing mca management listed on my credit report I would like all information from mca removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13
Company: EQUIFAX, INC.
State: TN
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:
To whom it may concern, I am writing to have an incorrectly reported late payment removed from my credit history. The creditor, XXXX XXXX, states they have attempted to remove it and are unsure why it is still appearing on my reports. 
The following is a summary of events for the account in question : XX/XX/XXXX : 39 month lease signed XX/XX/XXXX XX/XX/XXXX : Payments made on time using autopay XX/XX/XXXX : Called XXXX XXXX and explained I purchased a new truck and would like to pay off and turn in the lease early, they walked me through it online, the remaining payments to the end of the 39 month lease were paid in full and the truck was turned in to the local XXXX dealer, XXXX XXXX. 
XXXX XX/XX/XXXX : I received a credit alert stating my score had dropped. Upon investigation it was the XXXX lease stating I was over 30 days late. I could not call because they were closed on weekends. 
XXXX XX/XX/XXXX : I called XXXX XXXX and they stated I had never turned in my truck, therefore I was still being charged. I explained the truck was turned in last XXXX, they requested that XXXX XXXX, the dealership, send them proof of the turn-in. XXXX XXXX faxed copies of the turn-in to XXXX XXXX the same day. I called XXXX XXXX back and they stated the documents were received and that they would request a correction to my credit history to the reporting bureaus but that it may take a few weeks to correct. 
Early XX/XX/XXXX : Credit reports still show a late payment on my credit history. I called XXXX XXXX back and they stated they would again request a correction to my credit history. 
XXXX XX/XX/XXXX : Credit reports still show late payment on my credit history. I again called XXXX XXXX. The representative stated she would send me a letter showing my account was closed in good standing and with a perfect payment history that I could send to the credit reporting bureaus to have my credit history restored. 
Supporting documentation from XXXX XXXX is attached where they state my account had zero late payments. Additional documentation is also attached from XXXX XXXX, the XXXX dealer I turned my truck into showing I turned it in in XX/XX/XXXX. 

Thank you for the help,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a XXXX XXXX account that went into collections with Portfolio Recovery Associates, both are showing on my credit report for the same account. This is a violation of the Fair Credit act and I have requested that it be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax had both my first and last name is misspelled in their records.. I submitted a correction to them and they opened a " Dispute ''. They continually send me emails telling me that they have completed my dispute and inviting me to see the result. When I try to see the result on line, their log in and verification process is so cumbersome that I can not access the report. when I call their customer service line, they send me to a third party representative in the XXXX. When I ask to speak to an American customer service agent they eventually ( after arguing with me ) send me to a surely XXXX who gives me a hard time and then hangs up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian has an address for me in New York. I have never lived in New York. That address belongs to XXXX XXXX XXXX. Current location unknown.

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 2019-07-16
Company: EQUIFAX, INC.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax and XXXX XXXX XXXX has repeatedly failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX XXXX XXXX, XXXX, which Equifax reports negatively that I owe this company. 

Both of these companies have also failed to provide me the method in which they used to verify this inaccurate and incomplete debt. 

Equifax reports negative entries listing I owe {$830.00} and {$570.00} on XX/XX/2018. There is no contract. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
I had an Allegiant credit card through Bank of America for a couple of years that required an annual fee. On XX/XX/19 they closed my current account that had no balance that I recently had paid the entire balance. They had charged me this year 's annual fee ; so I asked for a return of the annual fee. They never responded.

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 2021-12-02
Company: Experian Information Solutions 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:
The listed inquiries below are unauthorized inquiries that were not done by me. They are fraudulent. remove immediately XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020

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 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
Judgment was filed against us on XX/XX/XXXX with the XXXX XXXX Circuit court for {$2100.00}. Docket # XXXX Another judgment was filed against us on XX/XX/XXXX with the XXXX XXXX Circuit court for {$17000.00}. Docket # XXXX Bankruptcy was filed on XX/XX/XXXX and was discharged in XX/XX/XXXX. Docket # XXXX Both of these judgments are still showing up on our credit report as open/filed and need to be removed or closed.

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 2019-05-13
Company: SYNCHRONY FINANCIAL
State: NY
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 contacted company to ask a correction on the lenght of credit history with the PC Richard Company. They said the could correct the error because the amount time expired when was reported. My original account opened XX/XX/XXXX. XXXX was active to XX/XX/XXXX when they attempted to correct their mistake and close the account on paper but in XX/XX/XXXX they changed my number because I did not have my card for a in store purchase and changed my number triggering the start of a new account instead of continuing my current account in their hast to make the sale. Months later I noticed receiving two different statements a month. When contacted they claimed it was not correctable but yet the account was on the credit report open until XX/XX/XXXX. My complaint is that my length of credit age with that account was incorrectly shortened by 11 yrs which understates my overall average credit age. I did not see my dispute # XXXX with XXXX correct the error. Actually the opening dates of the account opened in XX/XX/XXXX has been changed according to an updated XX/XX/XXXX XXXX XXXX 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 2019-05-13
Company: NCB Management Services Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I placed a call to NCB Management Services Incorporated on XX/XX/2019 and left a message with specific instructions to contact me on my cell phone. The cell phone number was given twice during the call. Despite the fact that I had left specific instructions regarding my callback number, NCB contacted my employer because the company representative said he " called the number that was on caller ID. '' Since specific instructions were left in my voicemail message, NCB had no right to call a number that appeared on caller ID. They had no way of knowing whose telephone number that was especially since the voicemail message that was left specifically designated the telephone number NCB was to contact regarding this debt. NCB has been particularly difficult to deal with. When I contacted them regarding specific language for reporting the debt as " paid as agreed per settlement, '' they became abrasive and stated that they were not responsible for reporting to the credit reporting agencies and that the language that appeared on credit reports was the responsibility of the original creditor. NCB is collecting a debt on behalf of a creditor, or perhaps even bought this debt, to say that they have no control over what is being reported is a falsehood. NCB has also failed to accurately account for all sums paid to them through settlement negotiations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX someone I do not know somehow managed to send me a paypal payment for {$200.00}. Paypal charged me a fee in order to receive a payment I did not send a request for nor did I ask for and it came from a person I do not even know. Of the {$200.00} payment, I only received a net of {$190.00}. Paypal 's system will not refund the portion that is their fee as that is their apparent new policy, however in this case I'm willing to be it cost itself at least two customers.

Paypals system will not allow me to even partially refund the transaction without the fee attached and instead was attempting to force me to refund the entire transaction from my bank account which does not currently have this money available. This is absolutely terrible. The best part about this is, when the user who accidentally sent me this money called they directed her to file a dispute. A dispute that if it gets escalated to papal now has a dispute fee, talk about double dipping.

Company response to consumer: Closed with monetary relief