BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello thank you, I had a Wells Fargo Checking account I thought was closed. 
They sent me a note out of the blue that said they " charged off XXXX $ ( XXXX dollars and XXXX XXXX  ) That amount was their late fees for the unpaid charges to the account for having it open. 
Again I was not aware it was open. 

I did not receive correspondence previous to this charge off, one of the agents said there were no records of letters sent to inform me or to give me a chance to pay this amount. 

meanwhile, I have Wells Fargo online banking and a credit card open with tons of available funds to cover such a small amount and would have thought they would communicate via my secure message or try to call me or something? 

I did eventually get the charge-off letter and the announcement that this would be sent to the XXXX XXXX XXXX as a charge-off. This will make my banking life and applications for credit an issue moving forward. 

The discussions I had were as predicted, to be shifted between departments and eventually sent a letter saying they feel good about the reporting to the XXXX XXXX XXXX. 

I would like to pay the amount and have the notification of my charge off removed from XXXX XXXX Services. 

I also received several calls to clarify this matter from other representatives over the last month or so. I frequently referenced my change of address and shared that information with the representatives. It feels aggressive that the person writing this proclamation ( see attached ) went ahead and sent it to my old address with no phone call. 

Additionally, I did receive a note in my online banking secure message about the charge off ( after the fact ) curious why that messaging option was not used to contact me? I feel the most recent representative is unwilling to acknowledge the limitations of their efforts to resolve the issue and maybe just a mistake? Choosing to simply charge off uncaring of the impact on my credit for XXXX dollars is not great business. I have been working with Wells Fargo since I was XXXX, now XXXX such a shame! 

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 explanation
Consumer complaint received 2020-09-05
Company: Armada Corp.
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: Old information reappears or never goes away

Complaint:
I have disputed items that are too old to be in my credit report besides the fact that they should have been included in a bankruptcy. They would not remove the items off my credit and it has been hurting my credit score for too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I went to the car dealership on yesterday and they denied me. I really thought they were just hassling me around so I went to my bank to apply for a car loan and they denied me as well. I pulled a copy of my credit and there are some items on there thats not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07
Company: Innovis
State: OH
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 filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I requested some form a contract we verification on this 3rd party collection account that I have never done business with XXXX   XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have submitted various complaints and written many letters about a bankruptcy being reported on my credit report. It is listed that the information is provided by the XXXX bankruptcy court. I have a letter stating the is not true from the XXXX bankruptcy court. Then I was informed that the information was provided by XXXX was is illegal for a third party to dirt up something then sell it without my written permission. But XXXX did not provide the information because I opted out of their system. I don't give anyone permission to provide my information. FCRA laws state that my permission is needed in order to put things on my credit report and if permission is not granted and I dispute, it should be deleted.

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 2019-09-07
Company: ID Analytics, Inc.
State: OH
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 filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I requested some form a contract we verification on this 3rd party collection account that I have never done business with XX/XX/XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: WELLS FARGO & COMPANY
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wells Fargo has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX there was a hard inquiry from Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX There was a hard inquiry on XX/XX/XXXX from Capital One XXXX, VA XXXX ( XXXX ) XXXX Also on XX/XX/XXXX one from XXXX   XXXX, PA XXXX ( XXXX ) XXXX None of these did I apply for. I have not applied for any credit card in over 20 yrs there's are now affecting my credit score!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07
Company: EQUIFAX, INC.
State: UT
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score XXXX value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: CITIBANK, N.A.
State: MD
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 received a report that changes were made to my report with actions taken by Sears/CBNA modified XX/XX/XXXX with a high credit of {$1500.00} date closed XX/XX/XXXX credit limit {$250.00} which is incorrect credit limit was {$2500.00} Additional information was provided by XXXX  stating consumer disputes reinvestigation in Process account paid for less than full balance. I received an online notification from XXXX  stating dispute was completed and view now ; when I try viewing XXXX sends error message stating report can not be viewed contact them by mail every month since XX/XX/XXXX. 

Sears/CBNA made another update after this XX/XX/XXXX changing account number from beginning of the account to ending numbers to account as an update after dispute reported by XXXX. Every change is reported to 3rd party credit monitoring service.

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 2020-06-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A new card was issued to me replacing card of XX/XX/XXXX ending XXXX new card issued XX/XX/XXXX ended XXXX. USAA REFUSED MY FRAUD CLAIM OF {$470.00} XX/XX/XXXX USAA SUBMITTED DISPUTES I DID NOT SUBMIT. I ONLY REPORTED {$470.00} FRAUD XX/XX/XXXX see attstched XX/XX/XXXX FRAUD CLAIM INVESTIGATION CIMPLETED ALL UNAUTHORIZED TRANSACTIONS *CONFIRMS THIS TRUTH. See CFPB USAA response XX/XX/XXXX ending XXXX Alleging this ID THEFT Account ( see attatched report FTC XXXX ) IS A LIABLE DEBT COLLECTING USAA STATES CREDIT CARD POLICY IF PAYMENT MADE IT ( BECOMES MY LIABILITY EVEN WHEN IT IS DISCOVERED I DID NOT OPEN THIS ACCOUNT ) USAA CLAIM IS USAA POLICY ** ( UNKNOWN TO ME. ) SEE attatched ID THEFT REPORT. ***CLEARLY USAA IS NOT ADA COMPLIANT VCAG2.1. LAW States * ALL technology ( websites ) MUST be accessible to people with XXXX. As a 37 year XXXX MEMBER I HAVE NEVER BEEN PROVIDED ACCESS ON LINE. BY USAA AND COULD NOT HAVE OPENED ACCOUNT. USAA has never provided credit card policies to me.?? Payment made before XX/XX/XXXX was made in good faith UNAWARE I DID NOT OPEN THIS ACCOUNT. USAA Response XXXX CAN NOT BE ACCESSED BY ME.?? My story is, and sticking to IT. I grew up with pay phones am XXXX require XXXX ACCESS NEVER PROVIDED BY USAA. see attatched USAA CONFIRMATION CREDIT CARD FRAUD CLAIM XX/XX/XXXX THESE UNAUTHORIZED CHARGES WERE NEVER PAID BY USAA see XX/XX/XXXX REVIEW CLAIM OF NO FRAUDULENT ACTIVITY. It was discovered ** there are several accounts I DID NOT OPEN WITH USAA I HAVE BEEN HELD LIABLE FOR WITH NO ACCESS TO RESOLVE. I can not ACCESS & usaa refuses to send to my home address WHICH IS ONLY CONTACT LISTED ON MY PROFILE OR WAS!! USAA HAS DUTY TO PROVIDE CREDIT CARD POLICY IF THEY EXPECT ME TO FOLLOW AND PROVIDE VCAG 2.1 ADA ACCESS FOR MY DISABITY. ** I DID NOT OPEN THIS ACCOUNT. I WAS SCAMMED OUT OF PAYMENTS MADE IN GOOD FAITH. I DID NOT AUTHORIZED PAYMENT USAA MADE XX/XX/XXXX. IT STOLE ALL MY SOCIAL SECURITY MONEY FOR SURVIVAL. I AM NOT XXXX AND I CAN NOT BREATH NO ACCESS ABUSE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Netspend Corporation
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Today, XXXX/XXXX/16, I received a XXXX XXXX card with my name on it, which was referred to as a prepaid XXXX card. It was from " netSpend '', XXXX XXXX XXXX, XXXX, TX XXXX. I did not request the card and have never heard of the company/bank which claims to be FDIC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: SYNCHRONY FINANCIAL
State: GA
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 received this letter from the Synchrony Bank in XXXX Fl. saying they have to turn down my request for a credit card from XXXX XXXX   XXXX. I haven't just requested a credit card from anybody. I've had this credit card for years. I owe them {$170.00} with a credit line of {$800.00}. I don't understand what this is about. I don't even know if I should make a complaint. I hope somebody can explain explain this letter. Thanks

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 2019-09-07
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a charge off from XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$1700.00}. This account was sold, to my knowledge, to Allied Interstate collection agency as far back as XX/XX/2019. I am in the process of paying this debt in full with Allied. At the present time XXXX is still reporting on my credit report that I owe them after sending numerous certified 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 2021-02-11
Company: SYNCHRONY FINANCIAL
State: CA
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:
I had a fraud credit card open on XX/XX/XXXX. On XX/XX/XXXX I had issue resolved to my favor from bank credit card. Enclosed letter stated to my favor as a fraud and they will remove from my 3 credit report agencies. They don't remove and leave in my credit report so it harms my credit score. I have contacted them and spoke with supervisor since XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They state it will be removed every time I call them and resolved. Its been 9 months and still unsolved. I don't understand why bank treats people in this form when knowing it was fraud. They need to remove from all 3 credit agency as they said they will do. thank you for assistants. 
amount {$2600.00}

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 2021-04-23
Company: Consumer Credit Services, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX this terrible horror started started and spanned over the course of 4 weeks. I was spending some time with my family when out of the blue some guy named XXXX XXXX calls me. He claims to be some type of loan officer assistant whatever that is and tells me that my mortgage through XXXX  XXXX XXXX is going to be at a interest rate of 1.75 % going forward and I wouldnt have to make a payment for 2 months he also said that I would get back XXXX as some type of refund. What really bothered me is that he promised me I would get a 1.75 % interest rate and then sent me paperwork saying I would only get down to a 3.50 % from a 4 % and have a 30 year loan even though I was told it would be the payments remaining on my loan. After I got the paperwork a man named XXXX XXXX all but forced me to sign the papers claiming that the interest rate effectively was 1.75 % which was a lie. Things get worse from here. Originally I was told there was no cost to do this loan. The first time his company equifund was charging me XXXX for the loan. A week later he tells me that the only lender that will take my loan is some new company and their fee increased to XXXX for the same interest rate. I asked another loan company if there was a reason I could only use one bank and they told me that he did this because they pay him more money than the other guys So he tried to force me to get the loan from them. At this point I told him I was not interested anymore and asked how much money I have to pay to cancel. At first he told me I could not back out because I signed the disclosures and have to go through with the loan. Once I told him that I will not pay a single mortgage payment he said that I can send a cashiers check for XXXX to him as a cancelation fee and they will change my mortgage back to what I had. Turns out after I sent the cashiers check I did some research and found out I could cancel at any time. It was too late by then he already cashed the check. I have tried calling them for the past 3 weeks and they block my number. One time the guy XXXX answered and said he would get me a interest rate of 1 % and then When I said I was not going to take any loan from them he called me a dumba** for not wanting to save money. These guys have made me realize that theres really no good people left. I still have no idea if I have my old mortgage and am scared to make a payment and they wont tell me anything. Can someone explain to me what is going on? I fought in two wars for this country XXXX dont deserve to be treated like this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I closed on my home and began a mortgage contract with XXXX XXXX XXXX for {$270000.00}. Sometime late XXXX, I received a letter from XXXX XXXX XXXX that they were changing the name on the mortgage from XXXX XXXX XXXX to Ameris Bank, as the two banks are undergoing a merger. On this letter, which I unfortunately no longer have, it stated that my methods of payment would not change due to this name change/merger. 

Ameris Bank sent me a letter in early XXXX informing me how to begin paying them for my mortgage. I received a statement from them on XX/XX/XXXX requesting a payment of {$1500.00} due by XX/XX/XXXX. This was odd to me, as I had paid XXXX XXXX XXXX for the statement they sent me for the same amount, also due XX/XX/XXXX. To avoid any late payment or collection attempts, I sent Ameris Bank a payment anyways, since I was under the impression that these were effectively the same mortgage, and it would be applied to my balance anyways. 

However, this is not the case. Both companies have different payment histories from me, different principal balances, and different escrow balances. Through some further research, I found that there are now two mortgages on my credit report from each company, XXXX/AMERIS BAN ( Ameris Bank ), and XXXX XXXX ( XXXX XXXX XXXX ) for the same original loan amount and same date opened. Apparently both companies think I owe them money. 

I contacted XXXX XXXX XXXX about the mortgage on XX/XX/2019, and their customer service representative told me something to the effect of " Mergers are tricky, this will sort itself out. '' I asked them who I was supposed to be paying for the mortgage, and they said continue paying XXXX XXXX XXXX the same way which was agreed at closing. 

I contacted Ameris Bank on XX/XX/2019 about the same issue, and their customer service said the account is open with them and to continue paying them money. I immediately contacted XXXX XXXX XXXX and spoke with the customer service again, and demanded they resolve this issue. I told them I need something in writing saying that they are who I am supposed to pay, and not Ameris Bank. However, I don't think this matters since there are two mortgages open on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Netspend Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I recieved a netspend prepaid debit card that i did not request. The card came in the mail already printed as if i signed up for it. I beiueve that my information was used with out my permission. Refer to the attachment. NETSPEND shows that i did not submit any information, because when i called in they asked me for my SSN

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