BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I opened a landscaping credit account with Wells Fargo Outdoor solution in XXXX of XXXX. My account has a no interest if paid in full by XX/XX/XXXX clause. After the landscaping was installed, I immediately set up auto payment with my bank to ensure the final payment would be made on XX/XX/XXXX with the first payment submitted on XX/XX/XXXX. Payments were made like clockwork on the XXXX of every month thereafter. I did not check my account again until XX/XX/XXXX when I noticed every month I was receiving a late fee and interest. I immediately called Wells Fargo and they indicated that because I made my payment every month one day prior to the billing cycle opening date every payment is considered late. At that point they agreed to remove all late fees and interest due to the fact I was unaware my payments were being made early. I then moved my payment date forward with my bank to avoid the same issue moving forward. I have since been checking my account every month to ensure the fees have been removed. It is now XXXX XXXX and some of my fees have been removed but there is still a fee balance of {$210.00}. I have made 3 additional calls to Wells Fargo pleading my case but I am now running into road blocks and my feeling is that Wells Fargo no longer intends to work with me. I explained to the bank that from my history it should be pretty obvious that I am not trying to game the system here and I should not be penalized for making my payments early every month. Thank you in advance for your help. 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 monetary relief
Consumer complaint received 2022-01-04
Company: Chime Financial Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since the beginning is 2021 I have been working on increasing my credit score. 
I've signed up with XXXX, established chime account, car loan, XXXX and more. No foreclosures, no car repos, no evictions, perfect rental history, and all are paid perfectly. 
Why do I have a zero credit score? 
XXXX keeps emailing me about credit updates yet my score is zero. There's no viable telephone number to speak with them. Now, astonishingly, I was just denied a rental application. Can you help or show I file multiple lawsuits?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Just pulled update of my credit report and I dont see any changes.I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Just pulled update of my credit report and I dont see any changes.I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/22 XXXX XXXX and XXXX XXXX XXXX XXXX both gave me hard inquires. This loan was from XXXX XXXX XXXX. XXXX XXXX  did not have my permission to " shop '' for my loan.

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 2017-07-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing this letter in response to my dispute with Portfolio Recovery Associates. I requested validity of a XXXX XXXX credit card debt and was sent a billing statement in the amount of {$580.00}. I do not owe this debt and the address associated with the statement does not belong to me. This account has been removed from XXXX and XXXX, and that this account be immediately removed from my XXXX  credit report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an account with TD Retail Card Services for a Raymour and Flanigan Store purchase. I made all my payments, one payment I made early, the card company applied this separate payment to the principal on the card and refuses to apply it as a payment because it was early. I literally paid this company early and they reported it to my credit as being late because of they way it was applied. I have tried disputing this, and calling them, I even had a representative agree that this was wrong but they could do nothing about it. I believe the reason for this was because it was an interest free credit purchase, so if they can call it late and apply my payment like this the terms are no longer interest free and they can start charging me fees on top of the interest. I need help, I want my payment applied correctly as a PAYMENT and not principal only and this removed from my three credit reports. A company should not be allowed to do this to consumer 's. Also, I requested that the company close my account, and they still have not closed it and reported as closed to the credit bureaus. I even submitted a dispute and they denied reporting as closed. I need help getting this company to do the right thing. I have bank records as proof of this payment and email proof of my request to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
During XX/XX/2019, I researched the market for an interest-free credit for a specified time for those creditors with excellent XXXX   scores. Since my income exceeds {$110000.00} and my XXXX is around XXXX, I was surprised to receive a Discovery card with a {$1000.00} limit. Believing they made a mistake, I immediately contacted them and was informed I could reapply in three months for better terms. No explanation was given to the low limit. 
Outcome : canceled card via representative. 

It is clearing credit card discrimination based solely on my zipcode XXXX. Today, I am reaching out to XXXX XXXX ( Banking Committee ) and all state and federal agencies to report this card discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: National Business Factors
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a voicemail that asked for me by name, when I called the number back, they would not disclose any information to me. I never received mail/other information that indicated my account would be sent/had been sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Atlanticus Services Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We received a bill from a company fir a line of credit we did not open. The company is Fortiva. There are no charges related to purchases only fees due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Chime Financial Inc
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
At XXXX XXXX  XX/XX/2021 i was called on my personal cell phone with an activation code from Chime. Between XXXX XXXX  and XXXX XXXX  on XX/XX/2021 i received 6 text messages with a security code for my new account. The problem I NEVER setup an account with chime - i was in bed asleep when this happened. I called Chime at XXXX at XXXX and spoke to an agent. She was difficult and sounded uninformed on how to handle wrong account information or fraud. She told me i must PROVE that my phone number belongs to me, they would need my phone bill to validate. She was able to validate that my name ( XXXX ) is not the name on the account. The IVR recognized my phone number so there systems are aware i called from my phone number. Yet they refuse to help me stop fraud = someone using my phone number on there account ( weather it is an innocent mistake or fraud Chime should NOT be enabling fraud .. they should be working to investigate each call where a consumer is notifying them of possible fraud. instead i have been brushed off as someone is using my information. Chime is either to small to create a fraud team to escalate & investigate issues or concerns- or it does not care about keeping consumers information secure and taking steps to mitigate fraud .... I need my phone number removed from this account as it is NOT my account - i have NO financial relationship with Chime ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-27
Company: Experian Information Solutions 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:
IVE BEEN A VICTIM OF IDENTITY THEFT, THESE ACCOUNT DO NOT BELONG 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 non-monetary relief
Consumer complaint received 2021-07-02
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
A few years ago, an individual stole my personal information and opened several accounts using my personal information and it has ruined my credit. I have explained to XXXX XXXX XXXX and SYNCHRONY BANK, that I did not apply for the credit card nor did I make any purchases totaling {$860.00}. I was requested to make monthly payments while SYNCHRONY BANK investigated my claim. Then with out notice, I had multiple calls at all hours of the day, from XXXX XXXX XXXX, a collection agency, telling me that I needed to either make one payment of {$470.00} or set up a payment plan. The company made it seem as if they didnt care that my identity was stolen and this was a fraudulent purchase and account, or that I had filed a police report and the individual was arrested. Fast forward from XXXX to XXXX this account has been reopened and is back on my credit report.

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 2021-02-06
Company: Experian Information Solutions Inc.
State: NY
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:
I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year.. I need this problem fixed asap i will not wait another 45 days to receive no response because clearly yall disregarding me. I still haven't heard back from Experian, XXXX, and 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 2021-07-23
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent the attached second RESPA request to this party and got a non response stating they object to my requested documents, this is the second time I've been responded to stating that my request is too vague denying me my RESPA requested documents. This party is denying me my rights to these documents under Section 6 of the RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX XXXX,2007 Closed of Home /Predatory Lending I was and still am XXXX XXXX. I was collecting XXXX and still am. i closed on a property for XXXX with XXXX down. No job, No chance of getting better. Everywhere i contact say there nothing you can 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 2018-01-21
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase, a bitcoin exchange, charged my card 5 times for a total of {$410.00}. These were unauthorized transactions that happened over a month ago. Every time i reach out to them they said they can not issue a refund and dont know where my money went. Ive contacted them over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2019 I had an unauthorized transaction from XXXX in the amount of {$100.00} out of my Bank of America checking account. I contacted XXXX and advised it was not my transaction. XXXX also email me advising that I had an unauthorized transaction and advised me to contact my financial institution which I did. My XXXX account was disabled and remains disabled. I filed a fraud claim with Bank of America. A {$100.00} temporary credit was provided. In late XXXX Bank of America reversed the {$100.00} credit stating that XXXX sent them information say the charge was mine. I called Bank of America and the claim was reopened. I informed them that I had proof from XXXX stating that the claim was unauthorized and I could send to them. I faxed the emails to Bank of America, and also contacted XXXX again. XXXX once again advised I would have to contact my financial institution for reimbursement of the funds. As of now My XXXX account is still disabled. Bank of America had not resolved the claim, and I am still out {$100.00}. I am currently not using the Bank of America account much. I am waiting to see if this is resolved. I feel that neither company is resolving this issue, and that Bank of America is not doing anything to assist. I believe Bank of America should provide credit in the amount of {$100.00}, since proof has been sent to them showing that the charges through XXXX was not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-23
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In 2016 it says I got a XXXX XXXX credit card In my name, It was for XXXX XXXX they are saying I did it but I never put any kind of card on my name before. I would like to report it as fraud XXXX XXXX and XXXX XXXX had access to my social Security card number while I was living with them at the time I had no idea I didnt have to give them that while living with them. And next thing I know I was getting letters in the mail as soon as I moved out of there house about XXXX XXXX but I never even been on there website. Im pretty sure they put my name on their consumers bill or I think it was charter I would like to get it investigated because I do not want none of this on my credit it would be nice to figure this all out those two people are the only ones That had access to my Social Security number

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have no knowledge of this bill from XXXX Hospital and have requested them to provide evidence of their claim. They never did, it was removed from my credit report and know it is back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Bridgecrest Acceptance Corporation
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: Account status incorrect

Complaint:
My dad passed and was faced with financial difficulties. I have reached out to the company for bereavement assistance and none was provided, just payment arrangement 's only.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: VW Credit
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On or about XXXX XXXX, 2014, we leased a XXXX XXXX from XXXX ( FL ) VW. When I entered the automatic payment info in my XXXX XXXX XXXX online account I apparently provided a premature end date. * I recognize that doing so is a major part of this issue. * About two years later we moved to our present address in XXXX XXXX, MA. As a result of my error the bank stopped sending what had been clock-work-like payments to VW Credit. When I saw my credit score decline I looked into the cause and immediately contacted VW Credit. While they had my new address ( as a result of the change in registration and taxation ), my current phone number and my current email, they made NO effort to reach me to tell me I was in arrears. In that regard I hold them partially responsible for abrogating duties that 99.999 % of other creditors would be delighted to perform. When I discovered the problem -- delayed by the fact that I was getting over a bad XXXX -- I immediately sent them three months of payments to get not only up to date but a month ahead to show good faith. Those payments apparently showed up on thew 62d day of when the first late payment was due and VW promptly informed all credit agencies that I was now 60+ days lateral further damaging my credit score.
I went to lengthy explanations with the CEO of VW Credit and everyone else who would listen. None did  ; and I got a form letter back telling me that because I was late the matter was closed. VW credit has not lost a dime on me. I continue to be 100 % up to date on payments. But my credit score has been badly damaged and will continue to be so for 7 years. This penalty certainly does not fit my " crime. '' I am not a deadbeat or trying to evade my obligations. Far from it. I made a mistake and immediately fixed it. VW failed to make any effort to ameliorate the situation and strengthen our relationship. For a company that is paying billions in fines for lying to the world ... I find their behavior and callous treatment unacceptable by any standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: MRS BPO, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
MRS XXXX  contacted me last year regarding an internet bill. The account had been with another agency prior to MRS . I asked that agency, in writing, to advise what the bill was for. They responded it was equipment that hadn't been returned. I had returned equipment and my bill reflected it, but did stated I had " other equipment. '' My question to them and to the first agency was " What equipment do I have. '' The proceeded to send the account to MRS XXXX. I paid to MRS XXXX  what they showed was not for equipment and told them to send me details of what equipment I have so I know what to look for. They didn't. XX/XX/XXXX, I received a text message from MRS Assoc at XXXX " regarding a natter for XXXX. MRS is a debt collector. '' I responded at XXXX XXXX " Cease communication until you can tell me what equipment I have. This is disputed. '' Their text came from XXXX, Today, ( XX/XX/XXXX ) at XXXX XXXX  I received a text " Please contact MRS Assoc at XXXX regarding a matter for Spectrum. MRS is a debt Collector. '' My response to them at XXXX XXXX  " You ignore my written communication until you provide me with details as to what equipment I have? Isn't that in violation of the FDCPA? I will ask CFPB and FTC. ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief