BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-08
Company: Atlanticus Services Corporation
State: WA
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:
On XX/XX/2021 the credit card company ( Aspire ) charged me a {$29.00} late fee. The company stated that my payment was returned by my bank. I looked up my bank statement online ( XXXX acct. ) It showed my payment paid on XX/XX/XXXX. I emailed Aspire a statement showing it was paid. Aspire emailed me back stating again that my payment was returned. I got mad and called them. They did not give me any reason for the charge and offered to reverse the fee. I accepted. There was another time about a year ago this company charged me a late fee that again was taken off because I am never late in my payments. Is this company just charging people at random seeing if they notice the fee or just pay it? If it happens again I am going to the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
See attatched CREDIT CARD LETTER dated XX/XX/XXXX CONFIRMS FRAUD CLAIM date XX/XX/XXXX OF {$470.00} See attatched USAA statement XX/XX/XXXX. Note at the bottom of the page XXXX XXXX CREDIT - {$120.00}. The balance ( AFTER XXXX XXXX WAS CREDITED IS {$470.00}. ) XXXX PROOF XXXX XXXX {$120.00} WAS NOT REPORTED FRAUD BY ME XX/XX/XXXX. USAA HAS LIED FOR TWO YEARS SLANDERING MY NAME CALLING ME A CRIMINAL TO CRAs Reporting I REPORTED FRAUD ON RETURNED GOODS. XXXX XXXX. XX/XX/XXXX. {$120.00}. THIS DESTROYED MY CREDIT AND IS A LIE. I DID NOT REPORT {$470.00} & {$120.00} FRAUD. I ONLY REPORTED THE BALANCE. TRANSACTIONS. AFTER XXXX XXXX WAS SUBTRACTED {$470.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: EQUIFAX, 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:
I tried within my total capacity to have Equifax remove 5 of the 7 hard inquiries on my credit report of which I know for certain were unauthorized to no avail.I had no problems with the other 2 major credit bureaus dealing with this issue.I verified my identity and was polite to them the whole time and got no where. Please help me because without any federal intervention in this particular case, these crooks might just get away with not adhering to the Fair Credit Report Act. There is information on my report which is currently invalid and therefore should be removed by this enitity. Please help me. As a consumer in the United States, i feel helpless against these kinds of things happening from such powerful institutions such as Equifax. Only the government, i believe, can help me at this point. Thank you for considering this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They agreed to adjust my mortgage for 3 months so it will balance from foreclosure. Starting in XXXX. The amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
i was approved for a lonan of XXXX to pay my XXXX cell phone since i am one day behind, i was asked to sign the disclosures, download them, verify my bank account information using my login credentials and than i received this error message with this link : XXXX XXXX XXXX Than my page said securiy error possible network intrusion, than the page displayed an error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Been trying to modify, ( thats another issue ) i have power of attorney and have been trying to get mail, have emailed letter and faxed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Northstar Location Services, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This organization ( XXXX XXXX XXXX ) is harassing my family members by calling their house. I do not live there nor have I lived there for over 10 years. They are sharing information about my debt with them and I believe it is inappropriate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have an Amazon.com store card. Amazon, for no reason charged my account for multiple items I had previously returned which they had credited. I purchased an item for a set price on the website and was charged a greater amount than advertised. I purchased a shower door on Amazon and hired Amazon Home to intall it and it was not installed properly. I paid for Amazon Prime for a year in advance and Amazon refuses to accept a valid return or allow me use of my prime membership. My account was always current, close to being paid off before this problem. I have talked to Amazon customer service representatives and representatives from Synchrony Bank/Amazon for asssistance resolving this problem, without success.

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 2020-04-29
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a car loan with XXXX  my car was totaled my insurance paid debt then the finance company sold car and never put that money towards loan then charged it off claimed that charge off to the government got credit for it and sold the loan in which has reported wrong amount owed as has falsely reported this debt on my report as a new debt I am not in contract with Jefferson Capital nor have I ever signed an agreement to them that makes me obligated to pay any amounts of money this goes against my fair credit it rights any I would like it removed immediately from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-06-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/19 Wells Fargo allowed a washed check to go through for {$400.00} that was not authorized and should not have gone through. They are refusing to take care of the issue stating that it is my signature. That is how a washed check works. I have been with Wells Fargo for 20+ years and if this is not resolved I will be closing my 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 2019-06-24
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been dealing with this company for multiple years now and their illegal reporting of negative items on my credit report. PRO COLLECT, INC is the company being used in an attempt to extort me by a previous landlord from years past. After I was evicted due to non payment because of the living conditions of this place, they began to add all of these chargers totaling thousands of dollars. They failed in their personal attempt to extort me so went and eventually hired PRO COLLECT to do their illegal acts for them which they have been doing for multiple years at this point. Harassing phone calls and multiple letters being sent to my home over the years. This needs to stop immediately. All contact needs to CEASE AND DESIST. And collection account needs to be removed/deleted from ALL three credit bureaus, 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 2020-04-29
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX XXXX to complain about the increased payment amount being taken out of my account without my authorization. I said if they adjusted the payment amount back to the original amount I would continue their services. They said no, so I asked them to cancel my account at that time. The customer service agent offered me an administrative credit of {$30.00} that would be charged for closing my account. I thanked her and that was the end of our conversation. 

On XX/XX/XXXX I received a collection notice from Nationwide Credit , Inc in the mail. As with the payment increase, I was never notified that I was was being charged or that my account was sent to collections. I have an impeccable credit rating and I am shocked that something like this can happen. 

Also on XX/XX/XXXX I called XXXX XXXX XXXX and asked what was going on and they refused to help me and I would have to resolve a situation they mistakenly put me in with the collection agency. What the XXXX is going on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX an agreement Chase and the Defendant was reached for trial modification. The trial was for three months and payments were made. The defendant paid the trial modification payments until XX/XX/XXXX when the modification was to to begin. Once the modification begun the defendant made payments as scheduled. A letter was received from plaintiff in XX/XX/XXXX letting the Defendant know that the sign documentation for modification was never received and modification was being cancelled. The Defendant let the Plaintiff know that the modification was still needed and the Defendant did not want the modification cancelled. 
The modification was being paid at that time so the Defendant mailed a new copy of the modification out the Plaintiff. The Defendant at that time was told by the Plaintiff to stop making payments because they would not be accepted anymore because my the loan was being defaulted. 

The Defendant tried to work with the Plaintiff to get the modification reinstalled but the Plaintiff would not do so. The Defendant tried to go through all options that the Plaintiff had but was told that Defendant could not be offered modification. 

The Defendant has currently has been saving every modification payment since XX/XX/XXXX in the sum of XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  dollars ). The Defendant is looking for the opportunity to continue the modification that was created previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Bristlecone, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The amount due on this account is inaccurate. They are trying to charge fraudulent charges to get more money. The total amount of the product was for {$2500.00}. The amount already paid to them was 9 payments of {$240.00} + {$2200.00} plus initial deposit of {$640.00} bringing that to a total of {$2800.00}.

Therefore, this account was paid in full. I have previous documents and statements proving this. I would like this removed from my credit score account.

I have contacted them numerous times and all I have been told is that I owe them {$5600.00} more. They constantly threaten that if I don't pay it that they will making this appear on my credit score. They are continuously ruse on the phone to me. Wont try to help me or listen to my concerns.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-15
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/17 my bill payment with XXXX XXXX XXXX did not go through when it was on auto pay. I reached out to the company and they said they saw the payment tried to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark in my credit and the company will not help me with this unfair situation.

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 2019-06-24
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received {$1100.00} reimbursement check from Winn Law Firm sometimes in Mid XX/XX/2019. This is not the full amount. The full amount is {$1200.00}. It's {$120.00} less. 

According to the Winn Law Group, the {$120.00} was used to pay itself under legal fee service. In other words, they stole my money, and then they charged me {$120.00} for stealing it. This is outrages. You have nerve. 

I don't care how you spent it. You took my money. You have to return it in full. Period. 

We are not done here. 

Give me back my money, now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
On XX/XX/XXXX I ordered XXXX XXXX XXXX XXXX XXXX XXXX from XXXX through the seller XXXX XXXX. 


This was shipped to my workplace It was delivered on XX/XX/XXXX. 


This is exactly what I received. The box was not damaged, but the box inside looked like it had been tampered with. 




I filed a claim through XXXX on XX/XX/XXXX with the pictures I had just sent you. The seller replied that they shipped directly from XXXX, but no one from XXXX ever contacted me. The seller stopped contacting me completely after that. 


I then contacted XXXX and on XX/XX/XXXX they sent me a return label. 




I returned the item. It arrived there on XX/XX/XXXX. 




On XX/XX/XXXX, I called XXXX because they had not reached out to me Hi Thank you for contacting XXXX. If the seller does not respond within 2 business days, please reply me in the email and I will send a request to our XXXX support team so they can expedite this. Thank you in advance for your patience. 




The seller had never replied and at this point I had to escalate it to a chargeback through Bank of America on my cash rewards card.. 



A month goes by and I receive a letter asking for more details and a second opinion letter from another merchant. I can not get the second opinion letter since I sent the item back already. 

I send the information asked of me. ( essentially the summary of events with pictures ect ) Two days ago I get a claim denied notice. 

I call today and informed because I filed it under " Item not received '' and not " Item not as described '' that my claim was being denied and there's nothing I can 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 explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted XXXX XXXX, XXXX, XXXX, and Experian several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, Experian have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

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 2020-04-29
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 have contacted XXXX XXXX, XXXX, Equifax, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the Equifax data breech. XXXX, Equifax, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: EQUIFAX, INC.
State: CO
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:
I received an alert from my identity theft protection company that I had opened a new line of credit on XX/XX/XXXX. I called Equifax to determine who had opened this line of credit and obtain contact information for the creditor since Equifax had not provided this information in the report. They proceeded to ask me ridiculously obscure information about things in the past that no person would ever remember ( the monthly payment of student loans which had been paid off in full over 2 years ago before I ever paid a single monthly payment ). I am now concerned that Equifax has locked me out of my own credit and while allowing somebody else to open an account on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Freedom Mortgage Company
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: Account status incorrect

Complaint:
Freedom Mortgage currently actively and incorrectly reports late payments, althought the account was paid on time, and the house was sold in XXXX of 2019. They also charged junk fees like a property inspection fees, which I never agreed to.

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 2019-06-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
To whom it may concern I, XXXX XXXX recently pull my Credit Profile and notice an extreme lates that were reporting on my credit report. The below LATE PAYMENTS that are being reported within my credit report is inaccurate account information. I have never been late with my payments of the account. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payments history information. This student loan has been in forbearance and shall not be reporting late to my credit profile PERIOD. This account is reporting late as of XX/XX/2019 and has affected my credit report tremendously which is a BIG VIOLATION OF THE FCRA 623 ( a ) 2 PLEASE UPDATE AND REMOVE IMMEDIATELY!!!!!! 

Account Name : XXXX Account XXXX : XXXX According to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: EQUIFAX, 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:
Hello someone has been using my credit to drive a cars. I have 2 cars in my name that needs to be removed XXXX  and XXXX. I never seen these cars before. I have XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  what are these accounts. please help me this is ruining my life please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: AR
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you.

Company response to consumer: Closed with explanation