BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-01
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2019, I spoke with a representative who stated that he was filing my dispute with a merchant for the amount of {$230.00}. I received a notice on my account that the dispute was filed ; however, when I went into the PayPal Dispute there was no case filed for dispute. It appears that PayPal is not processing my dispute for this merchant as promised and is indicated on the menu of the merchant. PayPal is providing misleading information. Also the fax number given to file a dispute does not work. This is the second time this has happened with PayPal.

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 2015-07-30
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In late 2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report because they agreed the amount was not owed based on circumstances. Although I have communicated numerous times with the collection agency they continue to attempt to collect the debt and refuse to delete the derogatory collection item that was placed on my credit report with all three credit reporting agencies. To date I have not received any letter from the collection agency providing me with an opportunity to dispute the validity of the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Over the past months and years of dealing with Wells Fargo and the consistent mis-handling of applying mortgage on time, I have gone the extra step of pulling funds from XXXX bank ( XXXX XXXX XXXX XXXX and taking it directly to the Wells Fargo branches as to avoid any confusion. Wells Fargo knowing that I have my payment history and receipts and dates, have chosen to apply my direct mortgage payments, not directly to the mortgage. I have even paid payments ahead of schedule ( Twice in a month ) on some occasions. Wells Fargo also does not report my mortgage to the credit bureaus, despite the fact that my attorney at the time ( XXXX Law Firm ), was never sent the reaffirmation paperwork. They insist on placing blame on the firm. Although the firm ( XXXX Law Firm ), does not hold the mortgage loan. It is unsettling to me to have to constantly deal with incompetence, such as XXXX XXXX XXXX XXXX XXXX. This lady consistently interrupts in conversation, combative, passive aggressive, unprofessional and refuses direct requests when made. The role of a executive customer service, is to uphold the requests of mortgage holders. For whatever reason or situation at home, XXXX consistently is unprepared and not fit to adequately deal with mortgage holders, her constant interruptions and screaming into the phone are absolutely annoying and unacceptable and unbecoming of the new direction Wells Fargo is attempting to move in. It is my request to have XXXX XXXX as my point of contact and only XXXX XXXX, she is knowledgeable and knows her job, unlike XXXX, whom is totally unfit to serve in the position she holds. It is for these reasons I herby request XXXX XXXX as my point of contact and also herby demand that they locate every payment I have made to match the ones I have recorded by dates. Additionally I herby request no further contact with XXXX and or her recommend anyone on my behalf, she does not have that type of power and I also request that XXXX be re-trained. This due to the conversation that occurred to on XXXX XXXX, 2016, if you need to hear this conversation. I suggest that you pull the call and if you choose not to pull this call and administer re-training, you are doing Wells Fargo a dis-service and will remain in the C-rating category.

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 2023-01-30
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:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently discovered my credit score had been affected as a charge card debt had been increased. As I have only a single credit card tie as alarming. I s som research to find the card was issued by The XXXX XXXX, of which I have no knowledge. I immediately reached out to the store only to confirm that neither my name, address, prior address or SSN had any association with this account. They then directed me to their fraud department to open an investigation. In the meantime I disputed with all 3 credit reporting agencies. I received my first response from Experian that as the card issuer confirms the information to be correct, it will remain. This is insane. Whos card is this and how does this just happen? Im supposedly an Authorized User for whom?? I have not advised or approved this for anyone and to be penalized for this fraud is an outrage. I in turn have redisputed this bogus fraud. I am in the process of purchasing another home and will not have this negatively affect my forthcoming interest rate. As I plan to close within the next 60 days, your prompt attention and response is greatly appreciated. 

Many Thanks, XXXX XXXX XXXX ( 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 2017-03-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2013, XX/XX/2013 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 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 2016-12-21
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my investment house around XX/XX/XXXX for {$150000.00}. I put 15 % down back then. As of XX/XX/XXXX my loan has a remaining balance of {$120000.00} ( 79.4 percent remaining ). The loan was sold to Amerihome Mortgage. I have filed XXXX requests to drop the PMI but per Amerihome via written letters I have to wait 2 years of paying PMI from the initial loan date and then have to do an appraisal regardless of what I have paid off already, and then submit a drop request again ( which takes about 40 days ). I have paid 100 % on time ( auto draft ), the requests were submitted via e- another e-mail and wait for a 40 day response via mail ( per Amerihome ). I have a perfect payment history. Every time I try to speak to someone about the PMI they say " This department is only available by e-mail ''. I have called multiple times and requested to speak to a supervisor and I have had no traction for the last 5 months. I am below 80 % paid off and I am eligible to have my PMI dropped, your assistance would be greatly appreciated. I will attach pictures later in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: States Recovery Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX was very unhelpful in my situation. I knew I was 90 days behind and still making payments. But they showed up to repossess my Impala on the basis that I was XXXX delinquent. When I looked at XXXX of my statements, I had sent them a check for {$430.00}. Instead of applying this {$430.00} to the auto loan like they have every time before, they put it into a savings account that was opened when I took out a loan with them. I 'm under the impression that they received my payment, but they put it in the wrong place, giving the illusion I was 120 days behind rather than XXXX. 
When I spoke to someone at XXXX, they said " that happens sometimes. '' So they show up at my job 45 minutes away from home to take my car. I call them, and at first the deal was to make the loan current, and I could get take the car back. 

The next day however after taking take the car, they instead tell me in order to get it back, I have to pay off the full balance of {$26000.00} within 30 days. I did n't understand how we went from {$2000.00} ton {$26000.00} in XXXX hours. And they never bothered to work with 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 2015-12-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My company used TD Bank for our merchant services. Their fees were much higher than what they had initially quoted. Therefore I moved the merchant services to another bank. TD Bank refuses to stop charging me {$28.00} per month for the merchant service even though there is no longer any merchant services. It is a small amount but they are in fact stealing my funds in my opinion. They also say I am under contract and to terminate the services I would be forced to pay more fees. I am not under any contract and feel this is just bullying on their part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Unknown account, never have been notified and again unknown.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-19
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have had the same cell phone number that I do not give out for more than 10 years. I have no idea how they got this number. They are asking for XXXX XXXX - I have no clue who she is. When I asked them to remove my name and number and told them if they do not I will report them the attendant was very rude and told me " that was not necessary. '' Seriously? I do n't owe you money, you should n't be calling me at all and it is very necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: Genesis FS Card Services, Inc.
State: IL
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:
Account was charge twice for bill on credit card Genesis one on XX/XX/XXXX Which was authorized for {$45.00}. The other was XX/XX/XXXX which was unauthorized from {$43.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX repeatedly calls me and my family members from a blocked number from XXXX on. This company has disclosed my debt to a family member and told them that I need to get a lawyer or else. Ive contacted XXXX XXXX and told them that I was not working for months at a time due to XXXX XXXX and needed to make arrangements.They called me blocked I told the agent that they are allowed to call blocked and he told me they can do as they please with an attitude. There is no reason why they should be calling blocked, harassing my family And, disclosing my debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
Someone added me as an authorized user on their American Express card. Amex did not disclose that it will report the opened date of the account instead of the original primary account holder information as it is. They never disclosed the right information and what they reported impacted my credit score and the age of the accounts. Amex is not following the same practices that other credit card companies follow. I want to report this so that the Amex policies can be audited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted a representative on XX/XX/XXXX as I was locked out of my account. At that time it was discovered that my account was compromised and someone had taken out a loan for a virtual XXXX XXXX  for {$1800.00} ( {$2100.00} with interest ) On XX/XX/XXXX, the phone number and email associated with my account was changed and a loan was taken out. I have been an Affirm customer on other loans for over 5 years - all that time with the same phone number. Someone changed my number and took out a loan. Its pretty simple to see it was not me. I have called every week since XX/XX/XXXX and nothing has been resolved. I keep being told that it is in an investigation department but an email I received on XX/XX/XXXX said it would be resolved in 3-5 business days ; it has now been almost 60 days from my first complaint and nothings been done. I work for XXXX XXXX and can not have any negative items on my credit so I have been forced to pay {$170.00} a month on this loan I did not take out. I have mailed a letter from IdentityTheft.gov informing Affirm officially of my identity theft, I have emailed Affirm 's customer service with no response and called every week and keep being told sorry we're still investigating it all while I'm still being held responsible for the payment. Affirm is not doing their due diligence to correct this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - the truth and lending act. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2015-06-08
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a debt validation letter to this company on XXXX/XXXX/2015 and they ignored my request of validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-22
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The third party collection agency is reporting inaccurate information to each of the credit bureaus ( XXXX, XXXX & XXXX ). This company has re-aged an account listed to reflect a recent collection date of XX/XX/XXXX and continues to report this falsified information even after sending documentation to validate the original date of delinquency XX/XX/XXXX which confirms that the correct information is on file but the company is intentionally re-aging the account. I have disputed this account several times but it keeps being reported. It was originally disputed in XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Best Buy Citi Bank visa, on XX/XX/XXXX I expressed mailed a check ( {$1200.00} ) from a 3rd party account to the KY office which is the express delivery address, the envelope was received by an individual as it was stated within the USPS tracking information, payment was processed on the XXXX, mind you, not applied to my account, the information on the check maintained my address but not the account #, I called several times, finally having spoke with someone who found the check, identified it using the my address and the check #, said it would be applied to my account, that was 3 weeks ago, after speaking with another manager from the KY office a week ago, they told me that it could be up to eight weeks before the already deposited funds will be applied to my account! Concerned Consumer, they had the tenacity to tell me that I needed to make a payment towards my account so that it would not be passed do!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Aargon Agency, Inc.
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: Information belongs to someone else

Complaint:
Someone in XXXX XXXX stole my identity.

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 2019-03-01
Company: Patenaude & Felix A Professional Corporation
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Tuesday XX/XX/XXXX I contacted the law office of Patenaude and Felix APC, and spoke with a representative. I found this was regarding my former business with a target account. I explained to the account representative that I wished to settle the account, because I was expecting my income tax refund on the XXXX. We agreed to settle for {$350.00} and dated a post dated check for XX/XX/2019. I wasn't sure if my tax refund would hit my account immediately, so I explained to the rep that if it hits my account sooner I will call and make immediate payment if the payment for the XXXX is deleted. The next day XX/XX/2019, my income tax was deposited into my account with no issues. During my lunch break at work I called Patenaude and Felix APC. I spoke with the same rep. I advised payment was good to run immediate, so I gave him a debit card. I asked about deleting the payment for the XXXX because now my debt was satisfied. The rep assured me he did in fact delete the XXXX check, and my balance was settled in full. I asked for a terms letter to be emailed to me for my records, and gave my email address. The rep read an email disclosure and said I would have it over to my email on the XXXX. I never received that letter. Patenaude and Felix APC charged my account twice. Once via debit card and once via check. I called to resolve it and I was told there were no managers in that could help me. I was placed on a long hold and eventually hung up on. I called Patenaude and Felix APC maybe 10 times to try and get a resolution, and the phone just kept ringing. I eventually contacted my bank to dispute the charges.

Company response to consumer: Closed with explanation