BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
Bank of America Credit card account balance shows XXXX. I have never applied for the card nor am I aware of this card and I never banked with bank of america.

I had recent credit check done by homeland secuirty and that is when I noticed this issue. I have tried many times to get this problem solved but nothing happens. This is not my credit card nor my charges and I need this removed off my credit report. I have provided more then enough proof and documentation for this but bank of america is not responding at all.

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 2018-06-07
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a debt validation letter to XXXX XXXX XXXX on XX/XX/XXXX. Which the collection agency received on XX/XX/XXXX. In the letter I advised to validate the alleged debt, the collection agency responded with a bill of {$750.00} with an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital Systems is a debt collection agency. They do not have the right to report or collect a debt from me. I do not owe this company any money. They have reported on my credit report I owe them money. I have repeatedly asked them and XXXX XXXX/XXXX to delete from my credit report as it is meets FCRA requirements. They will not remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$400.00} bonus if I received {$3000.00} in direct deposits for three consecutive months. On Friday, XX/XX/2019, I reached that objective, and called Wells Fargo on XX/XX/2019 to inquire about when I would receive the {$400.00} bonus. 

The customer service rep I spoke to said she did not know when I would receive the bonus. The following Tuesday, XX/XX/2019, I logged into my Wells Fargo checking account and learned the account had been closed by Wells Fargo. I called customer service and was told the account was " probably '' closed due to inactivity. This despite the fact that I paid bills with the account every week, including credit card payments, my mortgage, and utilities. Also, I had direct deposits going into the account weekly from my employers. 

I was told by the rep that Wells Fargo had processed those transactions as automatic transactions, even though they were not. I paid each creditor based on what I was able to pay that particular week. They were not automatic. I had to login online and pay. 

Wells Fargo has refused to pay the bonus. And the closing of this account has left me unable to access my direct deposit for a week. I now have to wait for a paper check to be mailed. I believe the account was closed simply because I achieved the goal to receive the {$400.00} bonus.

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 2016-08-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Inaccurate information on credit report. 
Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016 XXXX XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account Number : 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 2016-02-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I purchased XXXX new cell phone at XXXX XXXX ( XXXX XXXX, Ga ). Two months later I found out that XXXX XXXX opened up XXXX cell phones numbers under my name because of a collections notice that I received. I went to best by twice to resolve the issue. The first time the XXXX representative spoke with XXXX in front of me and stated that the issue will be resolved and it wo n't change my credit. Three weeks later I found out that it did get reported to my credit as an account in collection. I am currently seeking gainful employment and this will have adverse effects since i 'm in law enforcement. The XXXX XXXX managers name is XXXX XXXX ( XXXX, and he stated that he would repeat the process that was already taken the first time. He also refused to acknowledge the situations in writing. I have an interview for a federal position in a few weeks and this issue defames my image severely Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: Capstone Credit & Collection, LLC.
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: Was not notified of investigation status or results

Complaint:
I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
I opened a capital one card in XX/XX/XXXX of this year. Right after a XXXX XXXX XXXX account showed up on my Credit Report that says I am negative XXXX. This is so wrong I never opened a card in XX/XX/2017. I have disputed this information and reported it to the credit bureaus with no answers. I can't get a mortgage right now due to this inaccurate information. If It was mine I would pay for it!!! I never opened an account at that time!! 


XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA N.A. 

XX/XX/2017 {$2500.00} {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/2019, I noticed fraudulent activity on my Capital One Platinum Card. Some unknown person or persons had apparently used my card to make a large, unauthorized purchase of {$120.00} on XXXX. I immediately called the company and explained the situation. They told me that my card would be canceled and a new one immediately issued. 

As of XX/XX/XXXX, I noted that, not only had my new card not been issued, the company was charging me late fees on the old card. I called them up at about XXXX XXXX on XX/XX/XXXX and spoke with a rep who gave her name as XXXX. She told me : 1 ) I still had to keep making regular payments on a card that had been cancelled due to fraudulent activity.

2 ) They could not say when the investigation into the fraudulent activity would be concluded, if ever.

3 ) They would not issue a new card, since my old card was allegedly " past due '' when the fraud occurred and the card was cancelled. 

This seems to me like a clear-cut case of dishonest and underhanded business and a breach of Capital One 's obligations toward its customers under the Uniform Commercial Code and other relevant statutes. I implore your agency to intervene. I also suggest you investigate whether the fraudulent activity on the card was, in fact, the criminal machinations of strangers and not a shady tactic used by the company to harass its customers. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: HSBC NORTH AMERICA HOLDINGS 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: Didn't receive advertised or promotional terms

Complaint:
XXXX have already done as much as they can and referred me to you and the New York state attorney. The ID number for the XXXX claim is XXXX. 
HSBC bank charged me a fee that I didn't sign up for. The statement I received from them, described the fee as a cash advance, which I did not do, but they argue no fault of theirs until they are blue in the face ... or me! 
Customer relations sends me a generic card agreement, which doesn't even closely match my card, but DOES show the fee. They will not budge on that fable. XXXX has asked them to respond and they havent. They asked again yesterday, and they refused to respond. 
There is one attached file with interest and fee information. This is NOT for my credit card agreement, but for the checks that I detached, to use for transferring balances, with a fee ... which I have not used. This is the other side of my welcome letter. 
Please help if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, 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:
I have repeatedly requested and/or demanded that Equifax remove the following two ( 2 )  unauthorized/fraudulent credit inquiries from my credit report >>> 1 ) XXXX XXXX XXXX  XXXX - Date of Inquiries : XX/XX/XXXX & XX/XX/2017 >>> The creditor listed has made the aforementioned unauthorized inquiries onto my credit report. I did not authorize these credit report furnishings. The inquiries listed were provided without my knowledge or consent. They are fraudulent attempts at gaining access to my credit report. I have attempted to contact the credit reporting agency via their online dispute system and via certified mail, and they refuse to remove these fraudulent inquiries. I have added a fraud alert on all three of my credit bureaus, I have followed up and have not received a satisfactory response or any response at all within the time allotted by law in The Fair Credit Reporting Act, 15 U.S.C. 1681, and such an inquiry can have a deleterious effect on my credit score. >>>> All other inquiries have been confirmed to have been duly authorized, including the XXXX XXXX XXXX  XXXX XXXX dated XX/XX/2017 ; and the XXXX  XXXX, XXXX. inquiry dated XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
American Express over charges interest on card. 

On the XX/XX/XXXX closing statement, the interest charged for XX/XX/XXXX to XX/XX/XXXX is charged at 21.74 %. The balance noted is {$1000.00} and the charge is {$18.00} Yet, On the XXXX closing statement, the interest charged for the same period at a lesser balance of {$1000.00} IS HIGHER at {$19.00}. 

In other words, they are charging a higher amount of interest for the same time periods when the balance is LESS. 

They are also charging {$2.00} and {$2.00} for the date of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: LA
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:
There are accounts and personal information that are showing on my credit report that are not mine. I've called, written letters and etc and still no solution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Currently, I have what is listed as a delinquency of 3 months on a bill of {$27.00}. I do n't recognize the company, nor do I recall incurring any bill. My credit score at the time this delinquency showed up as a collection was XXXX. In a week, it has dropped down to XXXX. I finally got a reference number for the supposed collection agency. I contacted them, and even though it was not my {$27.00} bill- I paid it. I pay off my credit cards all the time- I do n't forget bills. Meanwhile, when I deal with Experian ( I have credit monitoring through them ) - they say there is nothing they can do. I will have to wait XXXX45 days to get this removed from my report. But, my score continues to be recalculated lower, week by week, even though I have done nothing wrong. At the same time, I just received a job offer, who, of course, requires a credit check. This will appear on my credit report as a delinquency. But, Experian wo n't remove it, and the company I dealt with to get this removed may or may not contact the credit bureaus- I do n't know. Supposedly, they were going to do so, but have n't done so. So, I have derogatory information on my report- Experian says it is not their problem, and can only send a letter to have someone respond. If they get no response, then they will remove it. What kind of policy is that? If they hear nothing- they will take it off. But, meanwhile, I feel the impacts of something that I did n't even do! It 's so frustrating. This issue does not show up XXXX, but I am frustrated beyond belief with Experian. And, Experian also will not show or erase any of the history of my credit score constantly going lower over the next several weeks until this is resolved. So, I look like I have bad credit when I do n't. I look delinquent when I am not, and I can not seem to get an answer or find anyone who will help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08
Company: EQUIFAX, INC.
State: AZ
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:
My XXXX XXXX XXXX credit card # : XXXX, XXXX XXXX credit card # : XXXX, and XXXX XXXX XXXX XXXX XXXX credit card # : XXXX is lost/stolen, and all the charges/transactions on the accounts are fraudulent and unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan with XXXX/Toyota financial. I have had this loan since XX/XX/XXXX. I am XXXX XXXX military and I set up an allotment for this loan. Since XX/XX/XXXX this loan has never been late. I have not stopped the allotment or changed the allotment. The payments have been coming out on time. All of the sudden for the XX/XX/XXXX payment XXXX sent me a text ( no phone call ) XX/XX/XXXX stating that they have not received a payment. I pulled my XXXX and called. I explained to them that this allotment has been ongoing for 5 years and I have not stopped or changed the allotment. On my LES it shows where the allotment came out. The personnel in military sales would not even speak with me. They spoke to me through a representative that put me on hold to contact my finance office. XXXX basically blew me off. Then I called back and asked to speak to a manager I spoke with XXXX agent ID XXXX she said she would look into it. All of this happened XX/XX/XXXX. I still have not heard from XXXX. I called back XXXX XX/XX/XXXX and was told that I could not be transferred to XXXX. I also contacted my finance office and as I already knew they showed me where the payment was sent to XXXX. XXXX has my money and is saying I have not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Hi there, I communicated with Synchrony Bank XXXX XXXX  In the month of XXXX due to job loss, They insisted I enroll in a deferment plan for XX/XX/2020 which will have no negative reporting on my credit report nor late fees, Deferment was offered to me which they were offering with customers with hardship due to covid.. I am a XXXX and was hospitalized on XX/XX/XXXX after further testing was admitted for XXXX spent about 10 days in the Hospital. On XX/XX/XXXX I contacted a Synchrony Bank - XX/XX/XXXX explain I was in the hospital and the rep offered me a payment program for {$45.00} the current months which I made a payment the same day and XX/XX/XXXX made another {$45.00} payment as well. I agreed and thank the rep for the help .... Fast forward to the month of XXXX, I receive an alert indicating 30 day late was reported by Synchrony./XXXX XXXX. Communicated with Synchrony/XX/XX/XXXX and explain the events that took place from XX/XX/2020 until current they apologize and stated it will be corrected and will follow up with me and they have not send me any letters or calls, I contacted them today on XX/XX/XXXX and the rep stated I have to contact the credit bureaus and gave me no resolution, also stated account was current and up to date This 30 day late should of never reported on my profile as the Synchrony bank/XX/XX/XXXXagreed to do deferment and arrange payment plan.

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 2021-03-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was inquiring about a streamline refinance with my mortgage bank XXXX. they required a XXXX dollar deposit to start the process. After reviewing all the information, I decided not to proceed with the loan. I have not been able to get a refund on my deposit. The loan officer XXXX XXXX XXXX XXXX will not return my calls, she sends all emails via encrypted with no code to access the email. I am requesting assistance to have my deposit returned back to me. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-06
Company: CONTRACT CALLERS INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I just opened a XXXX XXXX and noticed Derogatory marks from Contract Callers Inc XX/XX/2018 saying I owe them {$77.00}. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like thi off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: SECURITY FINANCE CORP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Vompany repeatedly called and left voice mails. The last voice mail was XXXX noises

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 2016-08-03
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I attempted to submit a dispute online to Experian. Their file attachment software will not accept any of my files even though they are the correct file type ( PDF ) and under the file size limit of XXXX. I therefore utilized their mail-in option to correct my dispute - I have a civil judgement on my report that has been released/satisfied by the court, which I shall attach below. Experian is a scam. The company steals money through deception on their products, makes it virtually impossible to contact a live person to settle complaints, and does not respond to any requests. This company should be thoroughly investigated due to the severe impacts they have on the average citizen.

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 2021-06-04
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A deposit of XXXX XXXX dollars ear XX/XX/XXXX, and a deposit on XX/XX/XXXX of XXXX XXXX dollars. The XXXX XXXX are structured to almost invisible accounting detail or as I the money is owed from previous two weeks. With the XXXX XXXX not showing the XXXX XXXX deposit is immediately less than XXXX XXXX without even a payment from debit card or recurring payment. When using the debit card it is customer savy to pay a tip, yet a tip in double form is not easy to recognize. Therefore the balance in checking account does not reflect true balance of deposits and credit payments.

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