BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-13
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
Product: Credit card
Issue: Late fee

Complaint:
I am wanting to report an issues with XXXX of my creditors auto payment that will not withdrawal properly from my bank account even after several setups causing me to have to constantly log in and pay manually and I finally figured out that the issue was not on my end for being reported late and impacting my credit report. After the several attempts before of setting up autopayment and it not paying. I figured I was thinking to myself that I may have forgotten to so I did a manual payment before. I was basically second guessing myself since I was thinking a creditor website should always have this working. This is during the beginning year when starting to use this creditor. Then I just started to just continue to log in and pay manually until around XXXX and XXXX I decided to set the autopayment again. Not thinking I didnt log back in because of my busy schedule to the site to check and thought it would go through this time. After later on finding out that I got a negative report that I was 30 days late. I decided to try one last time and setup autopayment after I got that. Then I logged back into their site and found out I was late yet again and no auto payment from my bank account yet again, fortunately I logged in again and did a manual payment before the 30 day mark. This creditors system is not functioning properly to do any autopayments for me. I am requesting for them to remove my 30 day late negative report for their haste of system issues. The third time setting up autopayment and not working is a charm to finally wake me up and understand that their website is not fully doing any proper auto payments. Do you know what are my options on getting this resolved to have the negative report removed. Do I need to submit a claim to a court to have them get this removed? Did they violate any laws for this? This is certainly not my fault for having a negative report if you relying on the creditor website system to do what it should be doing. If you look at my credit report. I have never had a late payment ever. After moving to this creditor and using their website system to make on time payments. It has ruined a bit of my credit. I have had on-time payments since I was XXXX and now XXXX. This is the first time every running into a creditor that system does not work the way it should or I would like. I relay on these autopayments to work so that I do n't have to login everytime to pay due to busy schedules. With my XXXX child its already hard to get some free time to spend for these things. The creditor I am mentioning about is the following below : FNB OMAHA XXXX, NE-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
XX/XX/2020, in which I am charged for amounts up to {$800.00} from the period of XX/XX/2020 to XX/XX/2020. On XX/XX/2020 my account balance was {$1300.00}. The last major transaction I made was a airline ticket which brung my balance to a remander of {$840.00} on XX/XX/2020. ANY TRANSACTIONS AFTER XX/XX/2020 is fraudulent..I sent all information in letter included with police report 3 times ( once myself and 2 from a XXXX  XXXX  I'm with and I was told they declined my disputed but they still hold to my STATE TAX RETURN AND HASN'T RELEASED IT Even in the letter I have evidence from the police and a statement from the company how didn't possession of the card on the dates of the transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: VA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Purchased my home XXXX XXXX XXXX was the bank holding my mortgage. My mortgage went from {$2300.00}. To {$2800.00} in a year at 6.5 % I reached out to XXXX XXXX in XXXX ( which his office tried to playoff that they were a law firm, they did nothing for me! ) you need to look into his company too. I stopped making payments for three months, it got their attention In XXXX I was granted a mod. In XXXX paid XXXX I signed documented papers from XXXX star. Paid XXXX XXXX mortgage, paid XXXX XXXX mortgage, it gets returned to me in XXXX. Took months before I was able to speak to anyone was told that I did not have a mod and they stated that will just return any payments from me ( LOL I have signed docs that I do ) XXXX went on for months scared of losing my house XXXX the un caring people at XXXX XXXX went to see lawyer # XXXX told me to get the following info. Went to lawyer # XXXX he sat on this for two years doing nothing for me but getting me more in debt. Now with lawyer # XXXX still currently with. 
My loan was sold to Fay Servicing, in XXXX. Lawyer # XXXX just wanted to settle, I did not! XXXX I have been threw, damages from XXXX storm could not reach out to XXXX because the state of the house was in foreclosure. As soon as XXXX XXXX from Fay Servicing wanted XXXX told my lawyer I did not have that much I was denied finical help. As of today working with my lawyer, not sure how all this will pan out. 
There are no longer honest people out there. The lawyers, mortgage brokers, and the bank that totally XXXX, sells to Fay Servicing who is in turn is doing the same thing. XXXX XXXX XXXX settles what happens to people like me that has been through XXXX and the ones that have lost their homes big deal they got a check. 
There is so much more to this story, just wanted to make it short.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, 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:
On XX/XX/2021 I submitted a Identity theft report and an affidavit of fact to Equifax letting them know that four accounts under the name of US DEPARTMENT OF EDUCATION is the result of identity theft and that the information is not blocked in error. Today is XX/XX/2021 and the accounts have not been removed from my consumer report. Equifax is in violation of the FCRA law as they had four days to block the information from my account. Instead they said that they completed an investigation and the " Creditor '' said that the account is accurate. According to 15 USC 1692a ( 4 ) I am the creditor. Pursuant to 15 USC 1681c2 - Equifax is supposed to ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Which I gave Equifax all of the documents they need. Instead of complying with the law they started an investigation. I never asked for an investigation to be conducted. Equifax is supposed to notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

I have told Equifax what the law says and still they are telling me the accounts are accurate and are mine although I have told them the accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The complaint involves XXXX  ; TransUnion and XXXX. The attached complaint outlines the particular instances wherein each reporting agency refuses to make corrections, damaging my creditability and interfering with trade.

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 2015-05-06
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have signed up for a personal XXXX XXXX credit card from US Bank. In the agreement I signed up for it clearly states that I will receive a XXXX free night AFTER PAYING THE {$75.00} FEE. However, soon after paying the fee I learned that US Bank has decided to not provide this benefit as promised. I called US Bank today to ask if there was anything available to compensate for this but was told the best I would be offered was XXXX pts or they could cancel my card and give me the annual fee back. They also stated that the new benefit was a free night in a XXXX hotel after XXXX dollars spend. This is nothing in comparison to the benefit that I signed up for. I did not accept this as it was not satisfactory because I would loose the benefits I have earned from he card and also it does not address the impact to my credit score associated with card applications. I do n't understand why US Bank feels that it can bait people into signing up for a product with the promise of great benefits and then switch the benefit to something else that is not even close to as lucrative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: Residential Credit Solutions, Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have emailed before about my situation with Residential Credit Solutions. My loan was discharged in a chapter XXXX and I had questions about how it was handled. I filed a Chapter XXXX but the Trustee changed it to a Chapter XXXX that stated all my debts were discharged. I questioned my mortgage and the Chapter XXXX discharge. After you contacted them, they responded. They sent a letter stating that the reason my loan amount is still the same is because I did not reaffirm it. The documentation that they sent me was incorrect because it stated that my loan was transferred to XXXX XXXX XXXX on the same date that XXXX XXXX XXXX said that they transferred my mortgage to Residential Credit Solution. I spoke with a representative from XXXX who faxed me the documents showing the transfer. I have never death with XXXX or heard of them before I received that letter. After the transfer from XXXX XXXX XXXX, my mortgage payments were made from XXXX to Residential Credit Solution. That was the first time I saw the letter that they said they sent XX/XX/XXXX. Since I am XXXX, I took the information to JAG, Judge Advocate General for the military, and they suggested I get a lawyer. I sent them an email, after not being able to get in touch with them, to let them know I went to JAG and will get back with them. Shortly after that, I received a letter stating that as of XXXX XXXX, XXXX my loan will be transferred to XXXX XXXX XXXX, ( XXXX ) XXXX. They were suppose to be working on a modification, which I did not hear anything about it other than that they received it. I still do not know if it was transferred with a modification or what is the true status of my mortgage. How do you transfer a mortgage in the middle of a modification withour a decision? Should n't I have been notified about the modification results prior to transferring it to XXXX XXXX XXXX? I still feel that my loan was handled in a less than on the up and up by Residential Credit Solutions. I am now in a financial position to make my monthly payments. I do not want to lose my home to XXXX XXXX XXXX, in foreclosure, because it was transferred without a modification decision. Please if I am experiencing this, I am sure others have experience this also. I have lived in my home for twenty one years and do not want to lose it. I do n't think mortgage companies should be allowed to do what they please when you are trying to save your home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Penfed Credit Union has been furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, and my ability to obtain credit for personal and house purposes. Penfed Credit Union has damaged my livelihood tremendously. 
Ive sent in my first letter to Penfed Credit Union, which was received on XX/XX/2022. I send over a rescission letter with a affidavit of truth with a cease and desist form. All documents were notarized and sent certified mail .And by doing that makes Penfed in contract with me with the paperwork that they received .But alarmingly I was responded with a promissory note that only had one signature, by law this cant be binding since its not a wet ink signature nor did both parties sign it. Penfed Credit Union feels that the law doesnt apply to them which is very concerning to me. I responded with sending in another affidavit along with a letter stating that I AGREE TO PAY ANY FINANCIAL OBLIGATION, WHICH I MIGHT LAWFULLY OWE ON THE CONDITIONS THAT PENFED SHOULD PROVIDE THE FOLLOWING XXXX ) Validation of the debt, that is the actual accounting 2 ) Verification of the claim made against me ( thats a signed invoice ) 3 ) a copy of the contract binding both parties 4 ) Full Disclosure 5 ) The Wet ink signature binding both parties 6 ) prof of claim that you know what a person actually is in legal terms I gave Penfed Fourteen days to produce this and they never did. They also committed Trust Fraud

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 2016-04-21
Company: U.S. BANCORP
State: UT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of identity theft. We have been in the process of building a home for 6 months. Our credit was great and then in XXXX we had learned that my scores dropped significantly. I found that someone had opened up XXXX credit cards in my name & maxed them out immediately and now they are very past due.The accounts were all open in XX/XX/2015 and XX/XX/2015 and maxed immediately. The debts these thieves have incurred under my name is upwards of {$60000.00}. This is affecting us being able to close on our home and losing {$40000.00} we put down as a deposit. We are older and have no need for these accounts nor did we apply or open any accounts! 
We have a police report and have talked to the fraud dept with all the companies. XXXX of the companies have investigated and determined the accounts were, in fact, opened up by someone OTHER that me and they have removed it from credit and are continuing the investigation. I have not heard back from US BANK and I need this resolved

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 2017-01-29
Company: U.S. BANCORP
State: VA
Product: Credit card
Issue: Other

Complaint:
XX/XX/XXXX to CFPB Reference case number XXXX ( a number that does not appear in your online database ). 

On XX/XX/XXXX I submitted the above-mentioned case to CFPB. On XX/XX/XXXX, the Elan unit of US Bancorp, wrote me ( see attached ) to say that a fraud had been committed and the charge had been reversed. They also said that they submitted a request to the consumer reporting agencies to remove any delinquencies but it " ... may take the agencies several weeks ... ''. It is now been over 8 weeks, and my credit score is still about XXXX points below last XX/XX/XXXX before this mess started. 

Does CFPB ever " close the loop '' and ask these companies to report when they have DONE what they promised? 

Elan unit of US Bancorp opened an account without my knowledge or consent. They ruined my credit score. Is this a matter for federal court, or state court? 

Please let me know who the perpetrator of the fraud was. 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 non-monetary relief
Consumer complaint received 2015-05-27
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I had a vehicle on lease through Ally Financial. I paid the bills on time, and turned the vehicle in on time, under mileage, and with no damage. Ally 's inspection shows damage that was n't there when I turned the vehicle in. I had to continually XXXX them down to get a response to my complaint. It finally took several calls, and a letter to their CEO to get someone to respond to me, but even then, they would not accept my best evidence ( a digital photo which they would n't accept through email ) as to the fact there was no damage upon turn in. They reduced the amount owed, which I paid, to avoid damage to my credit rating, but there was no opportunity for arbitration, or appeal. There was no process whereby they would respond to me proactively -- except to collect money. The inspection process was clearly set up as a yield enhancement for Ally, and had nothing to do with diminished residual value, as they we looking for scratches under the hood. There was no evidence of chain of custody of the car after turn in. There was no way to provide my best evidence of no damage. There was no independent appeal opportunity. There was no single point of contact to deal with. There were no return calls without my initiating the call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX was a victim of identity thief and therefore these collections were placed on my credit file fraudulently. 

Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: SYNCHRONY FINANCIAL
State: NC
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:
I had another person 's name, address, phone number, and 31 adverse accounts mixed in with my credit report dated XX/XX/XXXX. I disputed this incorrect information with both XXXX  and the creditors by mail and numerous calls. I finally received a corrected credit report dated XX/XX/XXXX. During this time my XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$5000.00}, ( XXXX balance ) and my XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$2500.00} ( XXXX balance ) were both closed. My XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$10000.00}, has been drastically reduced to {$1400.00}. All of these good long standing credit accounts were affected due to the incorrect information received from XXXX. This has ruined my good credit and none of it was my fault!!!

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 2021-01-11
Company: WELLS FARGO & COMPANY
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a joint credit card with Wells Fargo with my ex husband. He has the debt per our divorce decree, it was paid up but he filed for bankruptcy in XXXX. He called them to pay it in XXXX and XXXX but was told the account was closed and no payment was needed. Then MY credit monitoring service showed the account as late this month. I called Wells Fargo who said they were not legally allowed to notify me the account was behind but somehow they could report it negatively to the credit bureaus?!? Honestly the ex could have spoken to a person and got clarification on the payment but I certainly had no way of knowing it was behind, it is now paid up and I have a negative hit on my credit foe an account that was no longer mine to pay on which I got no notice AND a bankruptcy I did NOT file. In addition, of the 3 credit agencies I could not reach a person at XXXX  to file a dispute, disputes are pending at XXXX, XXXX, AND Wells Fargo.

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