BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: DISCOVER BANK
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXXXXXX is the holder of my first mortgage on my property. i went into forbearance due to layoff from covid shutdown. as i am coming out of forbearance they did present me with some options, one was a loan modification but they did not provide the documentation requested by my second mortgage holder for a subordination ( Discover home loans ). Discover home loans denied the request for subordination due to delinquency, but i was delinquent due to forbearance under the cares act and the second reason was that XXXX  XXXX did not provide the proper documentation. when the subordination was denied sun XXXX immediately moved into the foreclosure process asking for {$33000.00} due by XX/XX/2022. this is a federally backed loan by fannie mae and it is my understanding that federal backed loans will not be asked for payment in full i have made payments in full to both companies since my forbearance ended and am ready willing and able to continue making payments on my home but the current situation is i will be forced to have my home foreclosed on or sell if i do not take out another loan to cover the mortgage balance. something seems off here and i can not understand why both companies would rather see a foreclosure rather then just work something out and have me continue to make my payments. i think i need some help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company is falsely reporting information on my credit report. This is slandering my name and causing pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Bison Recovery Group, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have been receiving calls from these individuals with no written letter or information about the debt they say I owe. They have been calling my grandparents for months and have now moved on to calling my aunt too. It needs to stop. If this debt collector is real I need it in writing which I have not received. I received a text from my aunt stating they called on  XXXX   XXXX ,    2017  around  XXXX . They also tried calling my grandparents again on  XXXX   XXXX ,    2017  at exactly  XXXX . So they call ed  two third parties within minutes of each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-04-23
Company: Lending Club Corp
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I find myself in this position with this bank regularly. I feel the bank is holding the payment as long as possible. I sent out payments to multiple creditors on the same day and they have all cleared my account except this one. Its not a day or two difference its over a week and almost two. In the past the lender blamed the post office even though my other mentioned creditors are further away and not experiencing the same issues. I feel this practice is done purposely to inhibit prepayment and to keep the clock ticking on the interest until the last possible day. I feel this is an infringment on my right to prepayment without penalty and is a deliberate action of the institution. The bank is Lending Club. Their address is XXXX XXXX XXXX XXXX Texas and my account # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've contacted the company regarding this matter to no avail! I've sent correspondence for the accounts to be validated by both the company and by XXXX, XXXX, and Transunion and have yet to 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 2017-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
Bank of America  Charged OFF  my credit card account on  XXXX   XXXX ,  XXXX  after I had negotiated a settlement. Bank of america Continues to Report the account delinquent on my credit repo rts 7 +  Years after I settled this account for less than full balance.Bank of America Refuses to discuss this account and referred me to  XXXX   XXXX . After Contacting  XXXX   XXXX  I was advised that they had referred this account to an attorney in  XXXX   XXXX   (  6 years and 11 months after the initial charge off ). The Attorney returned the account to  XXXX   XXXX  and  XXXX   XXXX  has No knowledge of the status but they will reassign the account to someone else in the n ext 5  to 10 days. Bank of America Continues to provide the Credit Bureaus with Incorrect information 7 Years after the account had been charged off. The latest Incorrect report was  XXXX   XXXX  We attempted to resolve this account years ago but B of A was Not interested.     The Original dispute Involved B of A Raising the % rate to 18 % from the original 6 % rate and advising me that if I did not like the rate, I could pay off the account and go away

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 2017-06-19
Company: WELLS FARGO & COMPANY
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 is missing that should be on the report

Complaint:
I recently received my credit report and noticed there are inquires  on it that are damaging my credit score and my ability to obtain new credit is being jeopardized. I formally request that all non account holding inquires be removed immediately.

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 2022-09-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I want to completely close my wells fargo account due to the numerous unauthorized charges they have allowed in the 10 years I have been banking with them. In addition, their customer service is horrible. 

A family member of mine who is not at all authorized to use any of my cards or money used my phone to " play games '' but he was stealing my debit card info to buy XXXX coins on my phone and send it to his wallet so I would not notice. When I caught him doing it, he admitted to doing it in the past as well, so I filed an unauthorized charge report for all kucoin purchases. They gave me a final credit almost immediately for the XX/XX/XXXX ones but still will not give me an update on the older ones even though they were purchased through the same means ( unauthorized user ). Whenever I call and ask they give me the same run around. 
XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CARD XXXX {$500.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX CARD XXXX {$2000.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CARD XXXX {$2700.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX CARD XXXX {$450.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX CARD XXXX {$100.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX and was charged {$5000.00} on XXXX. I never authorized this transaction. My computer was stolen, which included all of my information stored on it, which allowed the thief to access my accounts and purchase {$5000.00} on the coinbase account and send the money out to a random wallet. I was offered a provisional credit, but the company will not give me a final resolution still and whenever I call they just say " it is pending '' but offer no timetable.

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 2022-03-30
Company: Experian Information Solutions Inc.
State: LA
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 called over and over experian needs to delete XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account # XXXX, has violated my rights.

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 2022-03-30
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2022, I received a letter from XXXX XXXX XXXX, stating that the company had purchased a debt I owed through Jefferson Capital Systems LLC. I paid off this debt on XXXX XXXX, 2022, as agreed. The amount I paid was smaller, but it was agreed upon by Jefferson Capital Systems , LLC. I have sent a letter to XXXX XXXX XXXX stating that I do not owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 my bank USAA for some reason sent {$1000.00} to XXXX XXXX without my knowledge or consent. I have both checking and saving with USAA and I have names for them. I accidentally put {$1000.00} in an account I thought was my saving account and when I went to check my balance I realize my Mistake and corrected it and I notify my bank to let them what happened. On XX/XX/XXXX I went to transfer money to my checking account I had a negative balance of {$300.00} and when I called my bank no one knew what had happened and they informed me that they would investigate, but no dispute was done for at least a week, then on XX/XX/XXXX I received a notice that the investigate was over and no action would be taken .No one from my bank ever contacted me about this and no one could tell me why my money was sent to another Bank that has been closed for nearly 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2021 I disputed an amount paid to XXXX for {$2100.00} Its still being disputed with XXXX thru their license I contacted Wells Fargo several times Several times Wells Fargo were outsourcing my account with the XXXX which I never authorized and knew about InXX/XX/2021 Wells Fargo charged me the same amount ; because of the numerous errors I closed my account because I could not trust the handling of my funds Now Wells Fargo has a deficit in my closed 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 2022-01-05
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Due to COVID impact on my family I missed my car payment. The following representives contacted me via email : XXXX XXXX and XXXX XXXX. This resulting in me signing an agreement/payment plan to help me get back on track with my payments. I made the payments as explained to me via phone from XXXX XXXX. Later on that year XX/XX/2021 I received a 30day late. I contacted Consumer Portfolio Services. INC on and asked why did I receive a 30 day after paying the agreement offered? XXXX XXXX XXXX stated that I did not pay as stated in the agreement. This was not true I had proof of my payments and asked XXXX for a copy of the agreement I signed because it was signed online and I did not receive a hard copy or email copy of the agreement. This was XX/XX/2021 and the company Consumer Portfolio Service still hasnt mailed or emailed me a copy of the agreement. XXXX stated that all calls are recorded, I asked to speak to XXXX supervisor and asked if I could hear the recording that stated the details and payments dates of my agreement. The supervisor denied my request to listed to the recording. I believe because the recording will reveal that XXXX was verbally not kind to me and it would reveal that I made my next payment on the correct date XXXX told me to pay it on and should not have received a 30 day late. The company is not working with me. Will not provide me with a copy of the agreement, they refuse to take the 30 day late off. I have disputed this 30day late with all three major credit reporting agencies. I have had no 30 day lates over the lifespan of the loan. The most I could get from the Trade credit department was that my payment was due XX/XX/XXXX, and XX/XX/XXXX no payment was made. XX/XX/XXXX they reported me 30 days late and XX/XX/XXXX was my request for an extension. This all makes no sense and this was stated to me verbally. Without the agreement I signed online I have not way of disputing this incorrect report. They basically stated that my payment was received on the last business day of the month which was XX/XX/XXXX. I hope someone can help me with my case, I a being taken advantage of because I do not have access to the agreement the created. Consumer Portfolio Service. Inc. Does not support its consumers and treated me like a non paying consumer because my family was impacted by COVID. I know we all lack understanding about how hard it is when it hits your family but that is no reason not to work with you consumers. I have no 30 day lates. Please help me get this 30 day late removed it is incorrect. I refinanced my car loan because I do not want to pay a company that does not support their consumer and treats them bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 at XXXX XXXX  I ordered a wire transfer from Goldman Sachs USA bank. Before the XXXX cutoff for same day delivery. A representative by the name of XXXX, at the Utah service center gave me the case # XXXX. At XXXX XXXX  I checked to discover it was NEVER received on my end. I contacted management and they said I should have it by XXXX XX/XX/2020. I still NEVER received it. They tried to process two transactions and steal one instead. While only informing me of one being delayed. I Never received any completed transactions. The representative was also very argumentative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I sent money via XXXX to an address provided on XXXX for purchase of an item. The item never showed up, and all 3 of my accounts used were subsequently hacked. I've filed a complaint with Several banks as well as XXXX. I've also filed police reports as I want the person or persons behind this scam to face legal penalties. To date all of my other financial institutions have refunded the monies due to fraud except USAA. I'd love assistance in getting the remainder of my money returned to me please. 

It was 2 different payments. One was {$2000.00} via XXXX, USAA gave me a temporary credit for that amount. 

The other was {$1000.00} via XXXX, USAA said it would take 10 days for them to verify it was fraud. Today is day 10 and I have received no information or credit from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase on XX/XX/21 at XXXX XXXX. It was on a 6 months no interest. Commenity bank will not reverse the interest charges. This is fraud!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX put a late payment on my account. This was an auto pay issue and the store recognized the issue on their end and fixed it when i disputed it. However, the late payment was never removed from my credit report by the credit bureau and its affecting 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 non-monetary relief
Consumer complaint received 2018-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
tried multiple times, credit repair companies. Will not fix. XXXX XXXX does not report amounts properly, mortgage goes up at certain points in reported. Reported mortgage late 2x 's in the past, they lost money in my escrow years ago by paying something they shouldn't have, and told me I have to call insurance company and following through for extra payment. It was there error. Then after trying to fix, now they report no data but wont fix. How can I prove proof of payment if they didn't process timely. Did payments online and over phone every time but if they didn't process correctly how can I prove I made the payment until they cashed or processes it. My mortgage is not in Foreclosure but treating me like someone who is. If all my payments do not go past 30 days for almost 10 years but 2 odd errors are there obviously Im not behind on mortgage. Most people default and it stays default. XXXX XXXX has such a policy of honestly lately. When questioning about my contract, and the terms, they told me I would have to send them a copy pointing out my insurance was prepaid when they have it. Just as much as the Fair Credit Reporting act is ... .. If they cant prove it, how can they report it and hurt peoples credit. There is no protection for the consumer. Your guilty to prove innocence. I have had the same problem with a few banks lately due to employee errors

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 2019-12-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've contacted the company regarding this matter to no avail! I've sent correspondence for the accounts to be validated by both the company and by Equifax, XXXX, and XXXX  and have yet to receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: CONTRACT CALLERS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a victim of identity theft and I can not get it resolved. I have reached out to Contract Callers Inc and they are not able to assist me. they have placed a collection on my account and will not remove it even after I completed the fraud packet and proved to them that it was not my account and I was a victim of Identity theft.

Company response to consumer: Closed with explanation