BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently went to XXXX XXXX Puerto Rico on buisness and while there my phone was stolen. This was 4 weeks ago. When I returned home I immediately went to my branch bank ( Wells Fargo ) in XXXX, NC. to see if there was anything I needed to do to protect my bank accounts as I had been doing online bank business with my phone ( paying bills, transferring money between accounts ). The banker I meant with wanted me to change my PIN I used to access my accounts at ATMs. I did that. Then a few days later on line I seen unathurthorized transactions being charged against my accounts. I immediately went back to bank and told them about the problem. At that time they had me change my sign on name and password for online banking. This did not stop the transactions so I went back to bank with my wife and meant with a banker a 3rd time bringing with us transaction records I had printed from my on line bank records. The banker then called their fraud reporting people to go over some, not all transactions that I did not authorize. The girl never mentioned closing any accounts. As of now there is still unauthorized transactions occurring on my accounts and the bank has over {$10000.00} dollors of my money tied up that I can't access as they have froze all my cards and denied me access online at the same time charging me over {$1000.00} dollors in overdraft fees, interest on credit accounts and transaction fees for things I have had nothing to do with. The following day I went to get the money out that I could the intentions being to open another account with another bank. While standing in line waiting on a teller the branch manager confronted me saying I should have closed that account. This never given to me as an options in any of my previous meeting. I did not close the account at that time because I had my soc security scheduled to deposit in the next couple days. As of today I haven't been back to bank to see if my soc security has been deposited yet. I intend to do this asap with the intentions of withdrawing that money. Is there anything you guys can do to help me recover my lost funds and get reimbursed for for fees I should not have to pay..Thankyou

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 2022-02-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent written disputes via USPS mail in regards to unknown accounts reporting in error on my consumer credit report. Furthermore, after 45 days with no response, I sent another dispute request on XX/XX/2022 via registered mail with USPS demanding that these unknown accounts be removed from my consumer report immediately. However, it has now been over forty-eight ( 48 ) days and I have yet to receive any correspondences regarding investigating my disputes. In addition, according to the FCRA Section 611 ( a ), a failure to investigate consumer disputes within 30 days gives reason to lawfully remove those items from my credit report immediately. At this point, I am filing a formal complaint due to the consumer reporting agencies failing to comply with the federal laws that protect me as a consumer. Moreover, this entire dispute process is stressing me out and the unknown accounts reporting are impacting my ability to obtain reasonable financing to purchase a home for my family! Therefore, I am requesting for you to immediately remove the unknown accounts listed on the dispute letters or I will take further action and pursue litigation. Please review attachments for the dispute requests and thank you in advance for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
Shellpoint mortgage is reporting late notations for XX/XX/XXXX, XX/XX/XXXX. I called them because of this exact problem and have gotten no where. I put my account on forbearance at this time because I was in between jobs. They assured me that no late notation would appear on my credit file. However, I checked my credit and sure enough there was late payments. Like I stated, I was just waiting to get another job because things got rocky when Covid started at my previous job. I was never late before this and have been on time since, had I known that there were going to be late payments I would have figured something out.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear Sir/Madam I have purchased item from XXXX XXXX store as special financing and failed to pay off by the time promotional offer ended due to my income was only from part time job at the time. My job status changed after I had services done by XXXX XXXX Contractors, which led me into financial difficulty leading to unsuccessful in finish paying in timely manner. 

ACCT is with collection agency ( ATLANTIC Credit & Finance Inc. ) Phone # XXXX Starting Balance with Atlantic Credit was {$7200.00} Current Balance : {$6700.00} ( As of XX/XX/2019 ) Now I am trying to pay this acct off with help of relative who his trying to help me financially so I can come out of debt. I need your help with agency negotiation the one-time payment on this account. I have been unsuccessful in getting fully co-operation from the collection agency to help me out as I am struggle financially still. They won't reduce to less than {$4000.00} as a settlement amount, I am not able to pay {$4000.00}. 

I need your help to have Atlantic Credit to lower the settlement Amount. I am single person with limited and insufficient income to support myself. Therefore, I am requesting help from Consumer Protection Bureau in resolving this acct. 

This will help me improve my credit also. In last few months I have worked extra hours as much as possible so I can bring all my accounts current and keep up with all my bills. 
Please help me. 
I can be reached at XXXX or XXXX. 

Thank you so much for your attention to this matter.

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 2020-04-21
Company: PNC Bank N.A.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
unfairactions against me as a small businessesseeking government-sponsored coronavirus relief. It concealed from the public that it was reshuffling the PPP applications it received and prioritizing the applications that would make the bank the most money. I was one of the first people to apply with pnc as soon as they released the PPP application online. I applied on the XXXX XXXX, yet I was not able to receive funds because they did not process my application at the time of receipt. Instead they waited ten days to contact me saying I was missing initials and signatures. I immediately corrected and resubmitted the application. Again, they delayed before letting me know they needed more information. It took them ten days from date of receipt to even check my application. Yet, the loans were supposed to be given on a first come basis. They repeatedly asked for the same information that was given to them. And there are correspondences with dates and time to prove that. Small businesses were supposed to get this loan. Yet some how multi million publicly traded. Companies received a majority of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Thank you for your help. Two year ago. I did a debt settlement wit Midland Management For my XXXX Credit card and my XXXX credit cards. All was good. Then. All of a sudden two yeas later I received all of theses alerts that Midland credit was reporting me past due and keeping all this money on past due money that I dont owe. I still get calls from XXXX XXXX XXXX  telling met of pay and receive letters threatening legal actions for accounts that I did debt settlements on two years ago. This needs to stop please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: 21ST MORTGAGE CORP.
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Mobile Home Mortgage with 21st Mortgage XXXXXXXX XXXX. I applied for an estimated amount of XXXX. I met all of the requirements that the website advertised along with proper Credit score, and income.. I dont believe that my application was viewed properly because I was denied within minutes after meeting all of the requirements. I also re-applied and was denied immediately ..I called the company for an explanation but they told me i would be receiving a letter. I have not received a letter from 21st Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: DISCOVER BANK
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:
There is a fraudulent account in my XXXX  credit report. I filed FTC Identity theft report and police report with XXXX XXXX Police Department regarding Discover Financial Services account as a fraudulent account and submitted these documents to the Discover bank and credit reporting agencies. They deleted this account from my credit report, but recently XXXX  credit reporting agency reinserted XXXX XXXX XXXX account ( acc no : XXXX ) back to my credit report. I contacted with them but they refused to delete fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit scorXXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im hXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im dXXXX now.with no help.

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 2022-01-24
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Bull City Financial services around XX/XX/XXXX stating their attempt to collect a debt from XXXX XXXX. I contacted Bull CIty Financial along with XXXX XXXX asking for a statement to substantiate the debt that was owed. According to my records, all amounts owed to XXXX XXXX were paid. XXXX XXXX as well as Bull City stated they would send me the supporting statement. 

I submitted a dispute notice to Bull City along with a request to cease and desist any further action while this debt is being researched, this was confirmed by Bull City it was received on XXXX. 

In XXXX I received a call from a supervisor at XXXX XXXX who advised she would research further and contact me back. I never received a call or a statement. On XX/XX/XXXX I received a letter from Bull City ( see attached ) that did not provide sufficient itemized information to answer my question of what this debt represents. Almost two years had passed and this was my first notification of an outstanding amount. 

On XX/XX/XXXX I contacted Bull City Financial to confirm the cease and desist was received and to again, ask for more detailed information on the nature of this balance before it is paid. I was met with opposition and spoke with a collector by the name of XXXX who advised the " proof of debt '' I received was all I had to be provided. I requested to speak with a supervisor and was ignored and transferred/rerouted for over an hour. 

At this time I sent a second cease and desist letter via certified mail to reiterate there has yet to be a statement provided for this debt., therefore I am still disputing because according to my records all debts were paid. This has since been reported to my credit report and has impacted my credit score.

I have spent hours on the phone with XXXX XXXX as well as Bull CIty, at one point I was advised by XXXX that they changed systems and was unsure of how to obtain the statement in question, yet, they reported me to a debt collector. Who has proven to be uncooperative and mentally abusive with giving me the runaround or mocking my request for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: EQUIFAX, INC.
State: FL
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:
Equifax ; XXXX and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX   XXXX  - account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: GA
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 the following accounts listed below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Here is the list of the accounts that has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX Bank Account Number : XXXX Account Name : XXXX Bank Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX bank/XXXX Account Number : XXXX Account Name : XXXX BankXXXXT Account Number : XXXX Account XXXX : XXXX Bank/XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX : US BANKRUPTCY COURT-XXXX Reference Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Disputed inaccurate information concerning late payments, accounts that were not mine and unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Barclay 's put me in on a " Long Term Assistance Program '' for the credit card on XX/XX/XXXX. The terms were to pay the minimum payment for 60 months and they closed the credit card. This was in XXXX of XXXX. They then continued to report late payments - 120 Days Late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then started reporting On Time Payments in XX/XX/XXXX and XX/XX/XXXX. Then from XX/XX/XXXX to XX/XX/XXXX they have reported 30 Days Late EACH MONTH. I've been making my minimum payments as I was instructed to but Barclay says the way that it records in their system is late ( even though its not 30 days late ). In XX/XX/XXXX they stopped the Late Payments ; however, the previous ones are still there when I was just following the plan that they gave me. They did not disclose that paying the minimum payment and being on the program would still report late payments to the credit bureaus. 
I've disputed this issue with the Bureaus and Barclay 's multiple times but can't get them removed. Barclay 's has admitted over the phone that it shouldn't have reported late payments but they can't do anything about it because of their system reporting. The credit bureaus just verify the information when I dispute with them. 
Further, the letter received when put on this program says that my minimum payment will be {$120.00} and no late fees will be applied.

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 2017-07-25
Company: SYNCHRONY FINANCIAL
State: TX
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 exact same SYNCB/WALMART account on my XXXX Credit Report is reporting twice. As I explained to XXXX, these two accounts are the same exact account. The second account was created when my credit card was stolen and SYNCB/WALMART issued a new account number to prevent fraud. One of these accounts shows a payment status of 'unknown '. As such, the account should have been deleted on that basis alone since XXXX admits it cant verify it. Lastly, my account shows that I was 30-days late when in fact that is not true.

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 2017-07-25
Company: ALLY FINANCIAL INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$12000.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 2021-04-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Fifth third charged me fraudulent overdraft fees for an account that was never overdrawn. I was up until 3 am this morning on XX/XX/22 and my account still had a balance over {$900.00}. My direct deposit of {$1300.00} also deposited into my account around XXXX XXXX XXXXXXXX called me at XXXX XXXX to confirm it was okay to cash a {$900.00} check on XX/XX/22 and I confirmed it was okay since I knew more than enough money. I checked my account after the young lady XXXX told me over the phone shes going to cash the check to see fifths third charge me a {$74.00} overdraft fee for an account that was never overdrawn! I called and spoke with a supervisor named XXXX who tried to feed me lies about when XXXX cashed the check, I informed her I was up until after XXXX XXXX this morning and checked my bank account while scheduling to pay my bills then her story turns to If an account is overdrawn it doesnt show until after XXXX XXXX. Ive never heard such nonsense in my life and there was nothing to overdraft my account I scheduled all of my payments for AFTER I know the funds are in my account. Her XXXX XXXX excuse is concerning as well as a member of this bank what deceptive predatory bank lies about the funds in a customers account so they can charge fees. This is beyond outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Disputed improper reporting of unauthorized inquiries with out proof of my sign wet signature or permission.

Company response to consumer: Closed with explanation