BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a Gap card which I paid off and this collection company kept harassing me to make payments that I don't owe. This is reflected in my credit report and I don't owe them any money.

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 2015-08-31
Company: ERC
State: FL
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:
There is a agency collecting for an XXXX account which is unknown. I have requested validation and contract I signed and proof this is an account that belongs to me. This is unknown and the date is unknown. I want to see an actual contract with my signature on it. This simple statement does n't validate anything. Please help.

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 2020-03-13
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Target marked a payment as late. what happened is they attempted to charge a bank account that was removed several months previously. They did not attempt to charge a current account. I called Target and they fixed the issue and said it would not appear on my credit report. But then it did so I called them again and they said they would remove it and yet they did not. 

due to an error on their side there is a false late 30-day payment mark that needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13
Company: Experian Information Solutions 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:
I reviewed my credit report and still see a account that was part of my identity theft case.

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 2022-03-23
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/2022 I sent a notice of fault and opportunity to cure letter to XXXX XXXX informing them that they are invading my right to privacy by reporting transaction and experiences on to my credit report in which I never gave written consent for the account to be furnished on my reports. I have yet to hear back from them and is really trying to reconcile this. They are violating 15 USC 1681a ( 2 ) ( A ) ( i ) a consumer report information solely as to transaction as to transaction or experiences between the consumer and the person making the report ;. I need to know that this being taking 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 2016-09-30
Company: GREAT LAKES
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Great Lakes is reporting my account as being 120 days late when I was approved for for it to be deferred until XX/XX/XXXX. My other account with account number XXXX is reporting correctly. I am not sure why they are still reporting my account with the late payments below. 

180 days past due as of XX/XX/XXXX, XXXX XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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:
In Accordance with the fair credit Reporting act XXXX Account # XXXX, Has violated my rights. 

15 USC 1681 : SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 U.S 1605 DETERMINATION OF FINANCE CHARGE : Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 


CREDIT ACCEPTANCE CORP XX/XX/XXXX UNTIL XX/XX/XXXXXXXX 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 2015-10-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo in XXXX Texas-im a XXXX for 15 yrs doung business banking with only them- XX/XX/XXXX I had ti cancel my Business cking acct. due to fraud and identity theft! I then try to apply for a personal loan and was denied fo to " information from a XXXX party ''! at the same time of my application being reviewed, the banker proceeded to open a cking and a savings acct in my name after i told him i did nit want a personal ck acct with a debit card or a savings acct, and not only would i nit receive the alleged debit vida card, becsuse someone had changed my mailing address over 10 times, He says to me " i will hv it sent to me personally here at the branch ''! I honestly thougt he was joking! Until i was denied a personal loan fir XXXX when clearly they knew my income because they were my proof of income from my business cking acct that i had to close but was reasured that a fraud claim would be opened and taken care of once i had an opportunity to go through XX/XX/XXXX statements and receipts. I then received a statement weeks later of my New Cking acct and savings acct that i never opened nor received a denit card to!!! Mean while the business cc that was maxed out that was attatcged to my old business cking acct that i had to close do to fraud, They sent me a lettter in the mail Canceling my card completely with no warning or reason! My credit is now lower than ever before and they broke the law! i hv yet to go inside the branch to speak to the loan officer who took a week and and a half to deny me credit! He stated " your loan number is So long it just takes me forever yo continuously type it in ''!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX # XXXXThis collection agency is collecting for XXXX, which they bought the debt from. Enclosed is a letter and an invoice from them, which they are saying is enough to verify and validate the debt under 15 USC sec. 1692g. THE LETTER AND INVOICE IS NOT VERIFICATION AND VALIDATION. THIS ACCOUNT WAS ESTABLISHED THROUGH ID THEFT AND FRAUD AND I NEVER HAD AN ACCOUNT WITH XXXX. I ASKED THEM FOR 2 YEARS NOW FOR A COPY OF THE CONSUMER CONTRACT WITH MY SIGNATURE ON IT AND THEY CAN NOT PROVIDE THIS INFORMATION AS EVINCED BY THE ENCLOSED LETTER. I never had an account with XXXX and this account is also re-aged and reinserted as it was removed before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a XXXX credit score. My credit score dropped by 37 points due to me canceling my XXXX card. I canceled my XXXX card because they had added an additional card to my account without my authorization. It wasn't present on my bills but they had charged me for annual fees for 2 yrs. It made me so enraged I canceled entire account. They did refund the fees after much discussion. BUT then I got the credit report and saw the impact on my credit score. 

Is there any recourse, what recommendations do you all have to move forward. The credit bureau was unable to tell me what is involved in their scoring that makes me more of a credit risk. I canceled due to the companies fraudulent actions, yet I am penalized on my credit score. I need to understand why and how that works, so 1 ) I know if there is anything that can be done now, 2 ) I want to know how to handle this situation in the future. What do you do if you feel wrong by a creditor but do not wish to take a negative result on your credit report. 

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 2016-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Per my previous complaint filed with the CFPB - # XXXX ( XXXX ), Transunion recognized their error and vowed to remove inquiries that were placed on my report without merit due to a glitch. 
I have received my credit report in the mail from Transunion. 
On page 6 of my report, I still see inquiries that were not removed, but promised to be removed by Transunion. 
Let me clearly state this again ( as I did in the first complaint ). 
The ONLY inquiry that should be on there as of today ( XXXX/XXXX/2016 ) : -- XXXX XXXX ( XXXX/XXXX/2016 ) As Transunion stated clearly in the above referenced CFPB complaint they would remove them all, I expect Transunion to follow through. 
Please remove any and all inquiries EXCEPT for the XXXX XXXX entry on XX/XX/XXXX ( that means remove the other XXXX dates ). 
I have again attached my identification to expedite the removal.

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 2017-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Failed to provide a free credit report in a timely manner, asked for verification of my address that was already in their records and I lived at longer than 6 months and had already been reported by other creditors, once I finally received the report I filled disputes on collections accounts as they are already paid in full. Customer service does n't speak XXXX very well and there seems to be a lack of communication. I also concerned about about my low Fico score I see only XXXX collections everything else is in good standing so how is it that out of XXXX points I 'm only getting the low XXXX as a score a XXXX point difference over XXXX negative accounts..I 've work very hard in the last few months paying outstanding debts and reducing credit utilization on my credit card account at less than 30 % and a furniture account about 50 % none of which are late or ever received a last payment so where 's this score coming from?

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 2015-11-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
While I asked questions regarding to my mortgage and checking accounts on the phone with Wells Fargo, they promo their " Rewards '' credit card and I got transferred to application dept. 

After I applied the credit card over the phone, I never received the credit card. One day, I saw there are a balance of XXXX {$7600.00} on my credit card account ( which I never received, activated or used ). I called there representative and they filed the claim to their Fraud dept. and update my new address and also cancelled the old card and send me a new one. 

After a week, I got the new card but I do not want to activate it until the problem resolved. So I checked online and saw the balance of XXXX {$7600.00} still there. I called their Fraud dept. and found out they denied the claim and they said I was using " Home '' ( fake ) phone number XXXX to activate the credit card ... I told them that is not my phone number. They said that what they have on file and ask me to resubmit a claim through another department called " Reconsideration '' dept. That take another 10 days to allow Fraud dept. to work on a new investigation, they suggest me to pay the balance. I feel very frustrated to deal with their depts ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-17
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX days ago XXXX Wells Fargo contacted me and said he could help me with HARP. Basically I owe {$160000.00} on my house and he was going to put me into a new loan for {$210000.00} and now money was coming to me. So I told him I did n't want to take this loan I am afraid that he will robo sign the documents and force me into this upside down loan his email address is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I shared a depository account ( BB & T ) with a girlfriend. After we broke up, I closed out our joint account. At that time, there were no pending or outstanding checks. 

Unbeknownst to me, my ex-girlfriend wrote a small check for {$14.00}. Since the closed account had no funds in it, BB & T Bank covered the check with overdraft protection. The date of the check was XX/XX/20. BB & T should NOT have funded a closed account with the overdraft protection. They should have notified me, or my ex-girlfriend. Since the account was closed, and I had already moved to another state, I was not receiving bank statements, or ANY other correspondent from BB & T. I later learned from BB & T, they made no attempt to contact me about the matter. My cell number was still valid. 

BB & T proceeded to charge me interest and late fees, despite the fact they funded a closed account and never attempted to contact me. When I finally received a call in XXXX, I immediately paid the total outstanding amount owed of {$45.00}. BB & T has reported a 60 late on my account, which has dropped my credit scores over 100 points. This has prevented me from refinancing my veterans administration ( VA ) mortgage. Other than their negative credit rating, my credit was excellent with credit scores in the upper 700 's to low 800 's. I tried to have them remove the late charge, but they refused and suggested I contact the credit bureaus and dispute it. They are the creditor and I was disputing it directly to them. My new loan officer tried to have them remove it, and he was also denied. My account number was XXXX BB & T knew the account was closed and should have picked up the phone to call me. Had they done so, I would have immediately covered the charge. Instead, they ignored it, which was to their financial benefit. To make matters worse, they destroyed my excellent credit rating by reporting me 60 days late to the credit bureaus. Each time I contact them, I'm told, " there's nothing we can do. '' They are the creditor and they can remove the 60 day late from my credit profile, which would restore my credit rating. Even with my numerous deployments to war zones, I was never late on any obligation. Now, my great credit rating was damaged, because BB & T was too XXXX to pick up the phone. Is this the way BB & T treats XXXX vets??

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 2016-01-27
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
old debt I could n't pay due to death in family debt is past statue of limitations, a new debtor brought the debt and is trying to reopen the claim

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They 've called me XXXX times in 14 days ... and its still XXXX. So, I 'm sure I 'll get a XXXX more today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filed bankruptcy on XXXX XXXX, and my mortgage loan with XXXX/XXXX was reaffirmed. 
Since XXXX XXXX, I was unable to pay for my mortgage due to financial difficulties. XXXX XXXX XXXX reinstated the mortgage loan since XXXX XXXX. 
I have been paying on time my monthly mortgage of {$3400.00} since XXXX XXXX. My current balance is {$460000.00} with an adjustable mortgage loan. 
I have been contacting XXXX XXXX XXXX to report my mortgage loan to all the credit bureau and they are refusing even though I provided them a copy of my bankruptcy report. My lawyer also contacted XXXX XXXX XXXX to explain to them that my mortgage loan is a valid debt and was reaffirmed. 
It is now impossible to refinance with XXXX XXXX XXXX or any lender for that matter. 
I am please asking you to help me resolve this issue with XXXX XXXX XXXX. 
Thank you for your cooperation and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: AXOS FINANCIAL, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Axos bank has frozen out account without any explanation other than we don't meet their requirements. I have tried multiple times to find out when my funds will be released back to me. They froze our account on XX/XX/2022 without any warning or explanation. They would not unfreeze the account so I could wire funds out. They stated our funds would be sent via check within 3 to 5 business days. I called again today on XX/XX/2022 since we are over 10 calendar days since they froze the account. I have requested a manager to call me back 4 times now and no one will return my calls or emails. The representative based out of XXXX stated the same thing that its in management and no answer of when my funds will be made available to me. I can not pay bills, buy food, pay for medical expenses for my XXXX daughter or my wife and son 's needs. I have no resolution from the bank they simply are holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Deinde Online Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is calling me & leaving voicemails all day every day. I have 3 just from today 2 from yesterday & 3 from the day before they have been doing this for months I block the number & they spoof it to make it look like its someone calling me from my area. It is illegal to call more than 7 times in a 7 day period & they should not be calling me after XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed a complaint against Midland Funding/ XXXX Midland Credit Management with your agency on XXXX/XXXX/2015. Case number XXXX. Since I have filed the complaint and Midland has received your letter, they have now retaliated against me, by re-reporting the information on my Equifax report under the name MidlandMCM with no original creditor information and aXXXX days late since XXXX 2015. This just showed up today, I know this is the same company, because it is the same account number. Please help any way you can

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
There was a loan placed on my credit reports stating that that i owe a company named XXXX XXXX XXXX for the amount of {$1300.00}. I attempt several times calling XXXX XXXX but could not ever get to representative. I finally spoke to a representative from a collection agency named AD ASTRA Recovery and they stated i needed to pay the amount above or else, I explained to them that i was a victim of a hate crime/Identity theft and the person/persons responsible had used my information in other accounts. I explained to them that i am XXXX and i am on a limited income and can not afford to pay a loan i did not take out.They told me the default loan would continue to damage my credit until i paid the balance in full which my XXXX income will not allow me to.

Company response to consumer: Closed with explanation