BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
Company: U.S. BANCORP
State: MO
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:
Hi, in XX/XX/XXXX did a debt consolidation with XXXX XXXX XXXX and had called US Bank to obtain balance to pay card off. Was told {$XXXX}. And thought I paid off US Bank CreditCard. At that time I noticed they charged interest after I paid it off and a representative waived the {XXXX} interest fee. 
Two purchases went thru after it was paid off ; one of the purchases was reversed from merchant ( 1 month later ) the other was my auto insurance. I paid the auto insurance with even a few dollars extra. 
Called them 1-2 months later to close the card because i wanted a card with a zero interest rate and rewards for daily purchases. Then in XX/XX/XXXX I received an email stating i had a payment past due on US Banks card and discovered they had been adding interest and late fees on apparently a mini balance that remained. 
I phoned to get to the bottom of it, the phone rep couldnt tell me what balance was after the pay off and so requested late fees all be removed and I pay whatever it was.was told a manager would review. They then removed one late fee. I called in XX/XX/XXXX to pay it in full and now theyre still trying to extort extra. Please 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 2019-11-12
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/19 NOW THERE SAYING WE DEFAULTED ON YOUR CLOSING STATUS!!!!!! I NEVER ASKED TO GET RID OF MY HOUSE IM TRYING TO SAVE MY HOUSE I JUST SENT IN A NEW RMS FOR THEM TO HONOR THE OLD MODIFICATION FROM XXXX THEY SAID IT WAS CANCELED DUE TO THE NOTARYS SIGNATURE

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 2021-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was depositing a check from XXXX because he said that he will pay for an item that Im selling through XXXX with a check. A few days later, I got a phone call from my bank saying that the check was fake and because of that, the bank rejected the check and I was charged an additional fee.

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 2019-03-14
Company: MAJR Financial Corp
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 sent a certified letter with dispute attached along with it this act was opened XX/XX/2018 this is not my account nor did I give any one permission to open account

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have disputed this account XXXX  to every bureau and have summited documentation from XXXX  support my claims of fraud and has ask each agency to remove the account from my credit report completely and all its negative remarks

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 2020-01-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-02-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX Equifax received my certified letter to investigate collections accounts on my credit report, to verify validity, provide original creditors, person contacted for validation etc. to date I have never received any information from Equifax. In fact it has been almost 60 days and my accounts say under investigation. The fair credit act states if the debt can not be validated in 30 days they must be removed. 
Also common wealth is a third party collection company who has sold the debt. The credit laws state old debt collections must be removed when requested by the consumer. I have requested this be removed, with no response or removal. I had several hard inquiries on Equifax which I did not give approval for. I requested in writing these inquiries be removed. To date they remain on my credit report from Equifax. 
Equifax has all the wrong balance ps on my open accounts. My credit score has not changed from Equifax in months. The Equifax credit score is over 100 points lower than my other credit reports from XXXX  and XXXX. 
This is causing me unfair and unnecessary financial hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I have submitted multiple requests to Transunion to remove a dismissed bankruptcy from my credit report. They receive their information from XXXXXXXX which contains incomplete and inaccurate information. It also does not provide complete SSN 's. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is their company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Aqua Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2017 I purchased a water system for the property i owned with my spouse located at XXXX XXXX XXXX XXXX XXXX Texas XXXX. It was purchased during a home visit through XXXX XXXX XXXX aka XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Texas XXXX. Dealer # XXXX. The representative 's name was XXXX XXXX. I filled a charge slip and was approved for the total amount of {$6900.00}. 
when I asked Mr. XXXX about the financing I was told it was a revolving credit card with a company Called Aqua Finance XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. 
Now some 3+ years later we are selling the home and are now told that there is a lien on our property that has to be paid. 
Today when I contacted XXXX XXXX XXXX  ' Area manager at the time of sale ; XXXX XXXX she informed me that as a representative of XXXX XXXX XXXX Mr. XXXX and herself were not aware of this. Did not inform any of their buyers that this was the case because they were never given knowledge of this. 
I feel that this was deceptive trade and something needs to be done about this. 
We have paid as agreed and have signed an agreement with the new owners to continue to pay until the system is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Resurgent Capital Services L.P.
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:
XXXX XXXX XX/XX/1984 last four of ss # XXXX I am writing because after several DISPUTES i have finally been granted REMOVAL of an account from XXXX  and XXXX. I am writing because this account is still appearing on my XXXX  file and I would like it to be REMOVED as well. 

I want my credit file to reflect accurate information and if the dispute process yielded results to DELETE the account, I would like for this LVNV account to be removed from my XXXX file. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Colony Brands, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I spoke with a representative by the name of XXXX Id # XXXX at Swiss Colony/XXXX  in regards to acct #. with a balance of {$340.00} I have been disputing this reporting for years to come, and every so often it reappears on my credit reports. So today I decided to contact said company a request validity of the debt, requesting that they provide proof that the account belongs to me, something showing my signature, identification something that will prove that this is my account. Per XXXX she stated that due to this account dating back to XXXX, they do not have anything that will prove the account belongs to me other than an invoice. Now mind you I have been requesting this information for many years and have yet to receive it. I called Swiss Colony again so that I can get the account number, at that time I spoke spoke with XXXX who in turn told me she unable to find account, she then transferred me to a XXXX who stated he was unable to find an account under my name and that the account listed under my phone number is for a different person. I was then transferred to XXXX ( supervisor of customer service ) that stated the account was for XXXX XXXX. I was then transferred to XXXX ID # XXXX  ( supervisor of collections ). Requested that she send proof that the account belongs to me and she in turn stated I will need to send in a fraud packet. I know that any and all agencies have to provide proof within 30days of validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Statebridge Company
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2017, our second loan was sold from XXXX XXXX  to Statebridge Company. When Statebridge took over our loan, I had called to setup ACH transfers to pay our monthly fee. They shared I had ACH transfers set up, for XX/XX/XXXX they told me that I was setup with ACH and I would be all set. I double checked when I did not see the payment come out, and called back. It was then shared that I did not have ACH transfer set up, so I made a one time payment and they shared that ACH would then be set up for my next payment. In XX/XX/XXXX I had an ACH payment taken out. But in XX/XX/XXXX did not. Again Statebridge then claims I did not have ACH payments set up. They are very unorganized and every time I have to call back they have no explanation. This company should not be allowed to have my second mortgage, I hope each month that this gets sold to another company. Statebridge is not operating in an efficient manner and I fear there are other customers out there that run into the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
mr. Cooper https : //www.mrcooper.com/ This is the Company that is now servicing the loan that my Daughter and I have on a property that she lives on. We had the servicing done by XXXX which had excellent service. Both of these companies are Mortgage Servicing companies and our loan with XXXX was recently transferred to mr. Cooper. This is the company that I am, having trouble with and hope there is some branch of Government that take some action against.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: CITIBANK, N.A.
State: TN
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:
My Macy 's in store credit card was switched in XXXX to a use anywhere Macy 's XXXX XXXX card without my permission. My payment is set-up on auto-pay for the XXXX of each month. When Macy 's made the switch to XXXX XXXX, the payment date was changed to the XXXX of each month. I was also on paperless bill and must have missed the announcement. Macy 's charged me a {$27.00} late fee ( refunded ), but many others may miss this unfair charge and pay it! Resulting in thousands of dollars of profit for Macy 's and/or XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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:
I believe i have been a victim of identity theft my information was exposed in a data breach. This has really affected my life in so many negative ways. I need help getting this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX Checked my credit report - There was a XXXX  XXXX  credit card listed which I never applied for and I was never notified the account was opened in my name. 
XXXX Wrote letter to XXXX  XXXX  notifying them that I never opened a credit card with them and informed them it was fraud. In this letter I provided my address. 
XXXX Filed police report listing identity theft XXXX Sent XXXX XXXX  another letter and provided the police report number. 
XXXX Went to IdentityTheft.gov and submitted report with FTC - reference number XXXX XXXX Sent letters to the three credit report companies letting them know about the fradulent XXXX  account. I included copies of the police report and the FTC report and the intial letter I sent XXXX. 
XXXX Received letter from XXXX  stating that they completed their research and they Deleted the XXXX  XXXX account from my credit file XXXX Received letter from TransUnion stating that they added the XXXX  XXXX  account back to my credit report As of XXXX I have never received a letter from XXXX, I have never received a bill from XXXX. I have received nothing in writing from XXXX yet this account still remains on my credit report under TransUnion. I do not have a XXXX XXXX  credit card and XXXX  XXXX  does not respond to my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: CA
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:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$5000.00} or reporting ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) The original creditor on this account is XXXX XXXX XXXX XXXX. XXXX sold this account to XXXX and XXXX  has illegally been charging additional interest on this account. I have attached pages ( 1 ) and ( 2 ) of the Installment Loan Agreement for reference. Please note on page ( 1 ) the annual percentage rate being charged is 197.17 % ; on page ( 2 ) in the Promise to Pay section the interest rate being calculated is 200.00 % per year. First, these interest rates CLEARLY are illegal as they exceed the limit of what California could ever charge on a loan ; Second, this is PREDATORY LENDING to say the least ; and Third, Pursuant to California Assembly Bill 539 - - this Bill ends a decades-long practice of charging borrowers who take out loans between {$2500.00} and {$10000.00} with interest that can exceed 200 percent. The rate will now be capped at the nationally recommended 36 percent, whats considered a compromise between lenders and consumer advocates. This account needs to report a {$0.00} balance. There is no outstanding balance due and nothing to collect and/or chargeoff. It is also a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to update this account however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: JPMORGAN CHASE & CO.
State: NJ
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:
XX/XX/XXXX I filed Chapter XXXX bankruptcy. 
XX/XX/XXXX I received a Discharge Of Debtor ( s ) XX/XX/XXXX Chase Credit Card and XXXX XXXX both companies put on my credit : Date of status XX/XX/XXXX, Debt included in Chapter XXXX Bankruptcy on XX/XX/XXXX. Which is correct. 

Beginning of XX/XX/XXXX I applied for a line of credit through my bank. I was denied due to XXXX delinquencies within the last three months, Chase Card & XXXX XXXX XXXX. 

Chase Card & XXXX XXXX XXXX Both companies updated my Bankruptcy to XX/XX/XXXX, so now when creditors look at my report it looks like my debt was recent. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: SYNCHRONY FINANCIAL
State: AL
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:
On XX/XX/2019 received an alert from XXXX via XXXX XXXX there was an inquiry on my report from " syncbpaypal ''. I checked XXXX and there had been an inquiry listed XX/XX/2019. I have made no such request. I tried contacting the number listed for PayPal ( XXXX ). In order to get connected enter acct nor or phone nor. It didn't recognize phone and I don't have acct nor. I then established an account via the web site in order to speak to someone. The only way was through the chat, only information I passed was my name. However they were unable to help. Although this may not help now but I did place a fraud alert on my credit report via XXXX which I understand will be passed to the other two reporting agencies. Please advise.

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 2017-11-28
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for loan modification to get caught up on my mortgage and keep my home. I received the trial agreement in XXXX and sent back the agreement online. I made my payments on time then after I made the last payment, I get a denial letter stating that the company never received my trial agreement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/22 {$460.00} was taken out my account, the wrong claim was made many times by PNC employees now no one I talk to will help me recover my money they keep hanging up in my face and all I want is my provisional credit, a representative by the name of XXXX promised an expedited process for the credit and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
Upon checking my credit report on XX/XX/XXXX, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX and XXXX from a unknown companies such as One Main XX/XX/XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Sequium Asset Solutions, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I haven't had " XXXX XXXX '' or any of their subsidiaries for years. Once I tried their services in 2007 but since I have had a competitor. On XX/XX/XXXX I get a notification from a collection agency saying that on XX/XX/XXXX I let my " XXXX XXXX '' debt go into collections. I had their competitor on that date. A salesman came by and offered to start services but I declined. It looks like he signed me up anyway. 

I do not owe " XXXX XXXX '' a XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation