BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
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:
In XX/XX/2019 through XX/XX/2019 I was contacted via email by XXXX XXXX that I had to make a payment. I paid XXXX, XXXX, XXXX, and XXXX dollars payments for an account that I did not open. Someone opened a fraudulent account in my name and it has caused issues with my credit report and the account does not belong to me. I had contacted XXXX credit several times letting them know that the account was opened in my name but not by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with these creditors/collectors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: AFNI INC.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Actions taken by me on XX/XX/2017 Wrote Company a letter - no response - They have now turned over to collection agency.

Getting calls & letters.

The company also called my parents regarding this account.

Attached copies of letter from me. And copy of letter from collection agency Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter dated XX/XX/2018 that Chase was closing 2 of my business credit cards one ending in XXXX and one ending in XXXX. I contacted Chase on XX/XX/2018 and was told there was no reason given for the closing of the credit cards. I spoke to a representative and he informed me that he didn't see any reason for the closure of the cards either. I let him know that I still have my mortgage through Chase and the only reason that I could think of for the closure of the accounts is that Chase wanted to eliminate there honoring the bonus categories on those cards. I have had both of them for about 4 years and have never had a problem with either of them. These cards offer 5x points on specific purchases and the new version of the same card only offers 3x points on that same purchase. The Chase representative let me know that I could apply for the new version and I informed him that the reason I wanted to keep these cards was because of the 5x points. I think the only reason that Chase closed these accounts was so that they wouldn't have to honor the terms and conditions that they agreed to. Please let me know if you need further information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
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:
XXXX XXXX was debiting my checking account monthly for my mortgage payments. The servicer changed to XXXX XXXX   XX/XX/2018.Bayview didn't forward the several months of mortgage payments they had in their possessions to the new servicer XXXX XXXX . I spoke with Bayview several times to request payments be forwarded to XXXX. I have been unsuccessful getting this matter resolved their negligence has caused me to be delinquent on my mortgage and at risk of losing my home. Please assist me with this urgent matter. 


Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX when I reviwing my statment I found 2 transactions I did not made them I caled Sears Card company and filed a claim and the removed it After that they sent me forms to sign. I signed them and sent it back to sears card company. 
But in XX/XX/XXXXI found these 2 transactions again in my account I called Sears card company again but they did not solve my complain. 
Thaese transactions are XXXX XXXX {$4100.00} TYPE Sale POST DATE XX/XX/XXXX REFERENCE NUMBER XXXX XXXX XXXX {$1300.00} TYPE Sale POST DATE XX/XX/XXXX REFERENCE NUMBER XXXX I did not made these transaction and I did not receive anything

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 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing a missed payment that XXXX XXXX  reportedXX/XX/XXXX. I sent proof of payment to XXXX verifying that the payment was not missed and they notified me that XXXX XXXX assured them that the information was correct. I'm upset because this missed payment is negatively effecting my life. I sent in proof of payment and still got no results. What more proof can i send?. If the credit bureaus attempted to ask for payment history from the company then this wouldn't be happening to me. They concluded their last investigation XX/XX/XXXX. I have disputed this late payment four times. This is unacceptable. If a consumer sends proof of payment then that should be sufficient. I also disputed the missed payment with transunion and XXXX with she same incorrect information not removed.

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 2020-05-06
Company: TRUIST FINANCIAL CORPORATION
State: MI
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:
Improper use on credit report and its dropping my credit I just want it removed it wasnt me at all. Whoever these banks and finance companies are improperly using my credit

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 2020-05-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The Equifax website will not allow me to see my information nor remove the credit freeze from my Equifax profile. 

Equifax asked me several questions which I had answered all but 1. The last question was " what was the exact date that you had placed your credit freeze and fraud alert? '' I do not recall the exact date and I had provided the year. They are saying that isn't enough, regardless of answering all of the personal questions correctly. 


I have been trying to resolve this issue for 3 months and I had mailed the requested documents to Equifax at the address provided from them in XXXX and XXXX. The requested information is attached which is my social security card, ID, and proof of address. 

No one at equifax will help me nor do they know where the documents went. 

My identity had been stolen and used several times before, and sending my social security card to companies are more than likely the reason why. 

Names keep appearing on my social security number and from Equifax as parties unknown had used my social security number since the early 1990s. I have experienced multiple issues with this and suffered financial hardship in becoming a constant victim of fraud. 

I have used FTC, local law enforcement, and various ID theft prevention services with no positive outcome due to my social security number being compromised in connection with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Southwest Credit Systems, L.P.
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: Information belongs to someone else

Complaint:
Someone opened services with XXXX XXXX in my name without my knowledge. I sent the paperwork to XXXX and at the time the removed it off my credit report. However now some other company is listing this as mine and I was a victim of Fraud which was already proven some time ago. This Southwest Credit Systems in the amount of {$110.00} IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Fifth third bank engages in several practices that encourages overdraft situation, The most flagrant is that they have a policy that if your account has been overdrawn in the last 30 days you are not allowed to deposit into that account using the online app.You are able to deposit into their ATM. 
I experienced this situation over the last 2 years since I have been using their mobile app. 
On XX/XX/2020 I deposited a check from XXXX insurance for {$210.00} dollars but was forced put deposit in a savings account and founds were not available until Tuesday the XX/XX/XXXX XXXX.I was finally allowed to move over checking account but in course of those days I incurred {$140.00} in overdraft fees that would not of occurred in the deposit was put into the correct from the beginning.I contacted the telephone banking reps and they were not informed of this policy only the supervisors were aware. 
I asked to have the fees reversed and they were not willing to do that. 
I called the branch a filed a complaint but nothing has been done, This is a predatory practice that's preying on individuals struggling financially and particularly in this time of the Covid 19 quarantine is not an acceptable practice The second practice I have experienced was they randomly put 10 day holds on deposits and this has caused me 2 late payment marks on my credit report, the latest one was in XXXX of 2020 to XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX ; XXXX ; XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2016 I received a check for {$8.00} from Wells Fargo. I called the XXXX number on the letter where they asked me for my social ; the whole conversation felt fishy. I went to my bank to discuss this with someone. I was informed my account was closed a month ago. To my shock, I demanded and explanation. No one could provide me an explanation as to why my account closed and why i had received no correspondence. If I received this check, why was I not receiving any correspondence about my account closing? I am furious and concerned. I am certain that there is a flaw in the system and Wells Fargo is not contacting customers about account closures.

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 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This letter is formal notice that Credit Bureaus have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires them to respond within thirty ( 30 ) days, yet they have failed to respond. 
I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The wrong amount is being reported XXXX/XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. I was NEVER LATE on this 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 2019-04-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is an ongoing issue I have with Wells Fargo. I was charged an overdraft fee of XXXX on an item that posted to my account for XXXX even though my ending balance at the end of the day was XXXX. I had and item pending for XXXX which they include all pending items, even though it did not post in your ending balance. I still had enough to cover all pending and posted items and still charged me an overdraft fee. 

I have had numerous problems with this and have had to get the charges reversed. Some they would not reverse because my ending balance they say was not enough to cover pending charges. This I do not feel is right. If an item has not posted to my account then it should not be included in the totals for the day.

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 2018-04-18
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: Information belongs to someone else

Complaint:
I've disputed with the credit reporting agencies that Bankruptcy # XXXX  and # XXXX  does not belong to me. The Bankruptcies Names and Social Security numbers do not match. Credit Reporting Agencies fail to establish correct name and social security. Social Security number is not linked with name according to Social Security Administration and Bankruptcy Court during the time the the filings claimed to be made

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 2019-04-04
Company: ALLY FINANCIAL INC.
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have 13 Cd.s with Ally Bank for almost 10 years now. I elected to roll those Cd.s from a maturity date of XX/XX/XXXX to a new 5 year cds with a 3.10 % rate with a maturity date of XXXX. I was told all fees would be waved in order to stretch my maturity and keep the finds with ALLY. I also told them to keep the XXXX in accrued in the cd 's in order to give ma a value in each cd of XXXX. I have been on the phone at least 20 times without satisfactory resolution in this case. They will not allow you to call back to a specific supervisor. The normal reps keep saying it is getting escalated to the highest level and that I will get a call back in 48 hours. I am still waiting for this call for over a month now. 
1 ) they charged all my cd.s a fee which has not been corrected yet even after at least 20 calls and a visit to their offices in downtown XXXX where they said " we dont see customers here ''. 
2 ) They sent out the XXXX dollars in accrued despite my instructions as to what to do with that. 
3 ) All my Cd ; s should be the exact amounts and that has not been corrected 4 ) My accrued interest should be adjusted from my previous rate of.2.4 to the new 3.1 % for almost 3 weeks as it took them " 3 weeks to process things manually '' 5 ) all of my calls have been deflected. I did receive a call back from supervisor XXXX and she said she would get back to me as i emphasized these items again with here. This is one week now and no call back nor do i have a way to reach XXXX via phone or email 6 ) NO bank should be allowed to treat customers with such disdain and devalue my time as each call to the call center has been over 15 minute wait time 7 ) A financial penalty should be imposed upon them for my TIME and Money. PLease have them credit my XXXX in accrued interest to every account. And also penalize them for my wasted time.

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 2019-04-04
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Payment was due on XX/XX/XXXX. Beginning XX/XX/XXXX, I started receiving multiple calls. XX/XX/XXXX I received 4 calls ; XX/XX/XXXX I received 6 calls ; XX/XX/XXXX I received 9 calls and on XX/XX/XXXX I received 5 calls by XXXX. Also received two text messages within the 4 days. 
I understand they are trying to collect a payment but 24 phone calls and 2 text messages in 4 days is excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2019 Wells Fargo paid on check i wrote to XXXX XXXX XXXX for $ XXXX.I wrote in box $ XXXX.i goof and wrote in writting XXXX Dolllars an no cent ... Wells Fargo in XXXX , Arizona where we was tempory they paid $ XXXX.Check # XXXX and i did make complaint with CFPB.com nothing happen.So we got home here in XXXX, Utah .So we went to XXXX XXXX, Utah ask talk with Banker/agent representive.We got help by XXXX XXXX we ask to update our mailing address.And make payment on our over draft that was a mistake of {$500.00} ... She look at said its been so long i never got hold of them, its going in to Wells Fargo write-off sent to Collection.I said i like to make payments to get it paid off.We used to heve Job working for XXXX in XXXX XXXX, Utah we had to quit in XX/XX/2019 Because got hurt and we was over work when we was on light duty.XXXX XXXX REFUSED to let us Make {$30.00} payment.She said we have to have Paid infull by XXXX XXXX and it ruin your credit because wells fargo will write it off.And you/we maybe make payment arrangement with Collection Agency.I never had this problem ever, this my first time i made this mistake, we been with Wells Fargo about 5-6 yrs.We are trying to get part-time Jobs.We been having Bad luck my sister suppose made payments on our car in XXXX Az.She owes us about $ 5k- $ 8k payments an insurance.So we came back to Utah.Our Mortgage is in Forecloser/Fraudulent i was email from Bad Attorney.But Real Estate of Utah.gov XXXX XXXX is working on our complaint with may others price inflation.Then we got behind on XXXX XXXX XXXX/If Wells Fargo would of rifi our cars we be doing better.So we are still  under Doctor order light duty job.We are then XX/XX/XXXX about XXXX had take my wife to XX/XX/XXXX from XX/XX/XXXX, XX/XX/XXXX.XX/XX/XXXXdid all kinds of testing.They Found XX/XX/XXXX on my wife XX/XX/XXXX, and XXXX my wife is on edge! If she bumps her head they said it more likelyXX/XX/XXXXher.So Yes we got many problems this year ... We sellling all our personal belongings on XXXX XX/XX/XXXX.My Plates expire XXXX, finally got new tags XXXX, Insurance {$160.00}. paid and Car payments behind.We are Homeless for our first time in our XXXX me my wife been together.XXXX got us Medical, XXXX card in the mail takes 5-7days for XXXXood.We eat one meal adayXX/XX/XXXXXXXX, Utah Mayor or the Town Does Not Offer Shelter/Housing for Help only XX/XX/XXXX.UT 75 miles away from us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
During the summer, I deposited {$750.00} in this American Express Serve account from XXXX XXXX checking account. In XX/XX/XXXX of this year. I got an email stating my account was being permanently suspended. I could then no longer look at my account on line. So Not sure of balance I called them and was told the account was suspended due to " funding source. '' He would Not explain any further. I then cut my card and wrote to their main office in XXXX XXXX asking for explanation. Received nothing. I believe I had a few hundred dollars on the account. But had n't looked for a time. I called again today and got that it was a fraudulent deposit from XXXX XXXX. After thinking about it, I had automatic deposits of {$75.00} for several years. And, coincidentally, I had to open a new account with XXXX during this time. So, the only thing I can think of is one of those autimatic deposits must have been made from the closed account. What a Poor way to handle a good customer ... ..IF that is what happened, I made a mistake ... .NOT FRAUDULENT EVENT. They did n't even check with me like most businesses. That was Just wrong!!! And, I do n't know If that is What happened!!! And, They said I have No money. How do I know that They difnt keep it for FEES. 
They Just cut me off and added on the phone today " You may never apply for an American Express card '' who would want to!!!

Company response to consumer: Closed with monetary relief