BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX, I made an ACH payment to Rent Debt Automated Collection, an account that was under my maiden name at the time. Since then, I have received a collection letter from XXXX XXXX XXXX, dated XX/XX/XXXX for credit card debt in which I owe {$5400.00}. I called and spoke with Mr XXXX XXXX on XX/XX/XXXX to initiate a payment plan. It was agreed and electronically signed to begin making {$270.00} monthly installments on XX/XX/XXXX. However, the payment was rejected by XXXX XXXX as a " non transaction account, '' ineligible to receive this type of payment. I continued to call the collection agency for about a month with no answer, until XX/XX/XXXX. Again, I spoke with Mr XXXX to initiate the payment plan process. Installments are suppopsed to resume on XX/XX/XXXX. My complaint is regarding the timing of receiving debt collection letters. XXXX was the payee, however XXXX XXXX XXXX must have had ownership of my account since XXXX, XXXX when I received their letter. Regardless, not realizing my account was being sold to another collection agency is where my frustration lies. In addition, I have had two more collection account letters for credit card debt under my maiden name from Security Security Services dated XX/XX/XXXX. This collection agency along with the original creditor, XXXX XXXX, is listed as ( 4 ) delinquent ( deragatory ) accounts on my credit file with amounts of {$11000.00} ( 2x ) and {$6200.00} ( 2x ). I began working with a local credit repair company, XXXX XXXX XXXX, in XX/XX/XXXX with no success of the removing deragotory accounts from credit file. Currently, I am working with XXXX XXXX ( NY ), who is assisting me with inquiry removals and credit repair. After months of not being able to reach Security Credit Services, I finally spoke with a live person on XX/XX/XXXX. Apparantly, my account was transferred to the Law Offices of XXXX XXXX XXXX in XXXX, FL. I spoke with XXXX the same day to initate a payment agreement and have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: NJ
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later i have not received a response yet. I understand the times we are in right now but at this point I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. At this point it has been over 60 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo is engaging is Mortgage Service Abuse, Dealing in Bad Faith with deceptive and misleading practices by denying XXXX a loan modification for which they qualify for and not serving in the best interest of their Loan Investor and denying the Homeowner a fair opportunity to keep their home.

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 2015-12-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Loan # XXXXI purchased property approx on 2007 with a pick pay payment finance by XXXX as my primary lender then ; loan was sold to Wellsfargo. Since then I have been trying to requested Wellsfargo to help me modified my loan due payment increment constantly. I hired an attorney to help me with modification process and it still pending ; nothing happened yet. i had been trying for the last XXXX times and lender refused to help. Also was forced to filed ChapterXXXX Bankruptcy to save my home and nothing happened. Lender refused to help me or place me on a better affordable payments and instead my monthly payment increment more and more. It makes very difficult for me to keep my property. I have been cooperating with lender since then but lender is putting me on the spot to loose my property.. I need your help since I do not know what else to do anymore ; I feel that this is a case of a predator lender overcharging me more that even property is worth or I can afford. I have been trying very hard to make payment but Wellsfargo is refusing to help me. If is anything you can do to help me i will appreciate much! I need to keep my house or a lease requested the lender to place me on a affordable modification program.. i am afraid of losing my property that I have been working so hard to keep it. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: National Credit Adjusters, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account has been on credit report unnoticed and do not know what this is or where its from. Could you please forward necessary documents with the actual account holder info so that I may resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXXx had an address for me in California. 
XXXX had my birth year off by 5 years. 
Experian has an alias of XXXX XXXX. 
Someone had an address for me in Illinois and Kansas. 

Incorrect payment history for XXXX across all credit bureaus. XXXX has stated 4 times to CFPB that everything is accurate. 
XXXX mortgage account number XXXX Are you mixing my account up with another XXXX? 
Is XXXX mixing my account with someone else and thats why they claim reporting is accurate? 

There are many inquiries that I have no idea where they came from. I have spent the last year contacting every creditor that has an inquiry and none of them will give me any information on why they authorized access to my credit report. The credit bureaus and creditors play tennis back and forth blaming each other.

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 2016-05-20
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
On my Wells Fargo credit card I made a balance transfer of {$900.00} which carries no interest for 18 months. After that I made about another {$1000.00} of purchases, which are subjust to a regular purchase APR. I made some payments and got paid from a larger contract, so when I applied my payment in XXXX 2016 my balances were as follows : {$930.00} in purchases. {$780.00} in 0 interest promotional balance. 
I made 2 payments during my statement period, {$100.00} on XXXX/XXXX/16 and {$1200.00} on XXXX/XXXX/16. The last purchase I had in the period was on XX/XX/XXXX, so the purchase balance was established with no pending transactions. 
When I called Wells Fargo Customer Service to inquire about how my payment was applied I was informed directly that the computer " splits up the payments as it sees fit '' so that any money applied after the minimum payment due gets inexplicably divided between my balance subject to interest rates regardless of the CARD act. I contacted Wells Fargo 's customer service and was told nothing could be done, I was stuck with this incorrectly applied payment. Afterwards I contacted Wells Fargo 's customer care center and conveyed my concern that my payment was applied outside of compliance with the CARD Act, and was told that I was, in fact, correct and that they had made a mistake in how the payment was applied. My case has been escalated to be reviewed and to have my payment applied correctly. 
This is highly concerning to me, as Wells Fargo is probably making millions off of unsuspecting customers or those who do n't know any better. In reviewing my account further I found that every month Wells has applied my payments in this split manner, thus preserving an interest-bearing balance on my card despite receiving amounts that should have satisfied it -- therefore still charging me interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: OneMain Finance Corporation
State: NY
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:
XXXX advised unknown and unconsent credit inquiry from OneMain Financial through 3rd party, XXXX XXXX, as of XX/XX/2021. As of XX/XX/2021, reached out OneMain Financial to take down {$4000.00} online load application from unknow identify theft through XXXX XXXX, and filed report as fraudulent transaction. 
XXXX has set up fraud alert to me. OneMain Financial is supposed to send petition letter to XXXX for this unconsent credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a house on XX/XX/2015 of this year. The mortgage was handled through XXXX XXXX XXXX. The Servicer at the time was XXXX XXXX, XXXX On XX/XX/2015 the Servicer was transferred to Loancare XXXX I already filed a complaint regarding the handling of the transfer since they took such a long time getting my account transferred over ( Federal states within 15 days, they took until XX/XX/XXXX before I could actually make a payment. 
This complaint is regarding their customer service handling and their website. Since setting up my account at their website, ( www.myloancare.com ), It consistently says I have no Mortgage Insurance, however they are dispersing an amount for Mortgage Insurance. 
Upon calling customer service, they told me that none of the information on their website is accurate until an " Escrow Analyses '' is done, and that wo n't be completed until XX/XX/XXXX. 
This is unacceptable to me as a consumer that they are handling the payments and disbursements of money for my mortgage on my behalf, yet I cant get any accurate information from my account on their website when logged in under my account. If a company is going to arbitrarily decide who my servicer is going to be for my mortgage without asking me, then it should fall onto the servicer to make sure that information is up to date and accurate, which it is n't.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: U.S. BANCORP
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a product from a vendor for about {$1300.00} The product was delivered not to my specs and was unuseable. I returned the product to the vendor and they fixed their mistakes. A couple of weeks later I looked at my credit card statement and the vendor had charged my credit card {$990.00} without my permission, without notifying me and without providing me a bill. 

I called the vendor to try to resolve with no success " they might work with me '' but I never received any further correspondence. 

I called the credit card company to put the charge in dispute, they did put the charge in dispute and removed it from my bill. Then about a month later I got a form letter in the mail from the credit card company saying they could not verify a billing error and they were reposting the charge to my account which they did. 

In my letter I specifically instructed the credit card company not to pay this charge. If the vendor wants to come after me for the money then that 's between me and them. The credit card company is not the decision maker of where and how I spend my money and just because the vendor has my card number on file does n't give them the right to charge any amount they want, when they want.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This has been a nightmare. Recently I have noticed that this bank really does not care about its customers. So several times I have had to contact them. Recently, I went through my account and noticed that Chime allowed transactions to occur that were not authorized. I filed the necessary complaint and sent in the proper paperwork and chime denied the complaint. I then asked for a rebuttal resubmitted the rebuttal along with proper paperwork also showing that I dont even have an account with this company and asked Chime to send me their documents. They sent me something that does not line up with what I have. As a matter of fact what they have is Not documents its just a printout from a computer screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX  XXXX  turned me into fidelity collections for medical bills that where paid by the XXXX that I have through my insurance. XXXX has repeatedly proven to fidelity that this money was paid but wont take it off my credit report because XXXX XXXX  will not respond to Fidelity about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
ON XX/XX/2014 ACCOUNT WAS OPEN WITHOUT MY PERMISSION FROM THE XXXX  THEY CLAIM THE LIMIT OF CREDIT CARD WAS ISSUED {$10000.00} HOWEVER THEY CLAIM ON MY RECORD {$39000.00} I NEVER EVEN KNEW THIS WAS EXIST THIS CARD WAS OPEN FRAUD AND I DON'T EVEN UNDERSTAND HOW {$10000.00} CARD WITH BALANCE OF {$39000.00} I HAVE CONTACTED CHASE MANY TIMES AND INFORM THEM THIS IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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:
Check my credit report today and I noticed someone use my information to inquire about some things that I never was aware of multiple times .. 

XXXX XXXX XX/XX/XXXXTransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXTransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXTransUnion XXXX XXXX, XXXX XXXX : reporting multiple times on each TransUnion XXXX XXXX Anything reporting inaccurate with multiple dates & wrong information should be removed immediately as I learned the fai credit reporting act. 

Trying to do better in my life but how can I with all this wrong information on my 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 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
COLLECTION, CHARGE-OFF ACCOUNTS APPEARING ON CREDIT CLOSED AND CAN NOT HAVE LATE PAYMENTS. THESE COLLECTION ACCOUNTS MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 
NOT ONLY THESE COLLECTION ACCOUNTS DOESN'T BELONG TO ME BUT THESE ACCOUNTS ARE IN VIOLATION AND NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT IS CLOSED. 
1. XXXX 2XXXX XXXX 3.XXXX XXXX  4.XXXX 5.XXXX IN THESE ACCOUNTS ARE REPORTING INACCURATE ALONG WITH DATE OF LAST ACTIVITY AND DATE OF LAST PAYMENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was a victim of identity theft Someone open a Citi bank checking account using my name social security number DOB and my old address on XXXX XXXX on Tuesday XX/XX/XXXX XXXX Citi bank send Me a check book, PIN number and a letter then on XXXX XXXX Citi bank send me a debt card all these items where send to my old address I never had account with Citi banks and I never open this 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 2015-05-14
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
When I applied for this card and paid the fee, one of the benefits was to be able to redeem points to get XXXX free night when you book XXXX or more consecutive award nights. However, they have now taken away that benefit, which was why I paid the fee. I believe this to be false advertising.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 called and filed a dispute on numerous occasions with transunion, XXXX and XXXX to have inquiries that I did not approved removed, and accounts that are reporting inaccurate on my credit profile and they have refused to delete these items. 

XXXX Last dispute was done on XX/XX/2020, amount is said to be {$420.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of Last activity, last report, and date opened was all reporting inaccurate which is a violation of the Fair Credit Reporting Act. They failed to investigate and remove the inaccuracies. 

Appliance Warehouse- Last dispute was done on XX/XX/2020, amount is said to be {$1200.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of last activity, last payment, and the date of the date opened is listed inaccurately, Also the monthly payment, credit limit, and terms are missing from the report. I ask them to delete it as they are reporting inaccurate information and they failed to do so. 

XXXX XXXX XXXX Last dispute was done on XX/XX/2020, amount is said to be {$840.00} dollars, he actions taken was a dispute letter was sent to the Bureaus stating that the monthly payment, terms, credit limit, past due, and the date of last payment was all missing on this account. Also, the fact that medical bills should not be reporting as it is viloation of my privacy. I have disputed this account multiple times and they have failed to remove it from my report. 

Inquires that need to be removed as I did not give any permission. 

XXXX-XXXX XXXX XXXX ( XX/XX/2020 ) and XXXX XXXX XXXX XXXX ( XX/XX/2020 ) TransunionXXXX XXXX XXXX ( XX/XX/2020 ) and XXXX XXXX XXXX XXXX ( XX/XX/2020 ), XXXX ( XX/XX/2020 ), XXXX ( XX/XX/2020 ) and XXXX/XXXX ( XX/XX/2020 ) XXXX US SM BUS ADMIN ODA- ( XX/XX/2020 and XX/XX/2020 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: DISCOVER BANK
State: TX
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 have made multiple complaints against Discover because they are just not right. It is reflected in the attached letter from Discover ; Credit card was stolen and 3 fraudulent payments were made on my credit card totaling {$11000.00} in 7 days to continue using the card and grossly exceeding the credit limit of the card. How is this possible with todays technology? If I receive just one bad payment ; thats it, no more. Banks even have better policies and systems in place to protect their customers. In addition, Discover didnt notify me for permission per Consumer Financial Protect Bureau Section 1026.56 for over-the-limit transactions. If they had notified, I would have said WHOA!!!!! I requested the method of the fraudulent payments to prove the fraud but Discover simply states in the attached letter we will not be providing the requested information. I was informed this information was confidential information of the thief.?????? My card, my liability and Discover protects someone who has nothing to do with the card and stealing.????????? The Discover debt on the credit report belongs to another and is not mine. I did not receive any benefits nor make fraudulent payments or purchases from XX/XX/2017 forward.

Company response to consumer: Closed with non-monetary relief