BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 my Wells Fargo credit card billing cycle restarts. 

I checked my account on my mobile app, it listed my available credit at {$5.00} I know that when my next billing cycle begins, the interest charges are applied soon after, but they had not been posted on my account yet. 

So, acting in good faith, I make a deposit on XX/XX/2019 and I use the money I deposited to my Wells Fargo checking account to make a {$50.00} payment to the Wells Fargo credit card account mentioned earlier. 

No problem yet, the app accepts the payment and then lists my available credit at {$55.00}. This was all on XX/XX/2019. Interest charges had still not been posted and I thought my account would be protected from going over the limit. 

I wake up this morning, check my credit card account and Wells Fargo has slipped in the interest charges in the amount of {$41.00}. This put my card over the limit and it did not consider my {$50.00} payment made on the same day! 

Keep in mind that on my end I did not see these interest charges posted on my account and I thought I was acting in good faith to prevent this situation. This will hurt my credit score. It also affects my minimum payment because since it listed the interest charges as posting BEFORE that {$50.00} payment I made, it is considering my card as if it went over the limit and I had made the payment afterwards. 

But, you can see on my end that the opposite is what I expected to happen. I made a payment BEFORE the interest had posted. My available credit was listed as higher than the interest charge I just received, yet my account is listed as over-the-limit and demanding payment. 

I contacted Wells Fargo and was passed around ( as usual ) between customer service reps who obfuscated and ever turn and were not very nice or helpful. This is not the first time Wells Fargo customer service has seemed to not only not be interested in helping or working with me, they also make me feel like its always my fault. I feel taken advantage of and Im fed up. 

I do not have a lot of money. For me to act in good faith, make a payment before the interest posted and then have the interest duck under that payment puts me in the situation that I was trying to avoid. To make it worse, I have to waste my time ( potential time which I could be earning money to help pay down this credit card ) and literally FIGHT with customer service to even understand where I am coming from and they have crushed my spirit. Please help, I feel powerless to stop them or get them to work with me. Ive tried.

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 2023-01-03
Company: NAVY FEDERAL CREDIT UNION
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:
I was pressured into applying for a loan amount I did not need! I asked for {$15000.00} and the agent applied for {$45000.00}. I feel I was not approved because of false and misleading information on my report and the amount, that I did not want!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a fraudulent collection on my credit report that does not belong to me for a medical bill I have no idea where it came from or who it is for. The account is involved in litigation where the account # is XXXX that is located on my experian XXXX and XXXX  report. The data gets removed and comes back every 30 days and I don't understand why this account that has nothing to do with me and does not belong to me keeps on reappearing on my account where I am going to sue all 3 bureaus where I am looking for a rental property and this is severely hurting my credit and getting me really upset. The next step for me is contacting my lawyer and suing filing an arbitration.

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 2022-08-04
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: Their investigation did not fix an error on your report

Complaint:
THIS IS XXXX XXXX A NATURAL PERSON. EQUIFAX IS REPORTING INACCURATE INFORMATION ON MY CREDIT FILE. I DISPUTED THE INACCURATE ITEM ( US BANKRUPTCY COURTXXXX XXXXXXXX XXXX  BY CERTIFIED MAIL ( SEE EXHIBIT A ). THEY RESPONDED AND STATED THAT THEY ARE NOT CURRENTLY REPORTING THIS ITEM ( SEE EXHIBIT B ). BUT THEY ARE ( SEE EXHIBIT C ) THIS IS A VIOLATION MY RIGHTS PURSUANT TO 15 USC 1681 ( a ) ( 1 ) AND PURSUANT TO 15usc 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: RMS-Recovery Management Services, Inc.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I filed for bankruptcy 3-4 years ago, which I was recently discharged from. However, during that time they tried to contact me. I directed them to my attorney but then they decided to harass my aunt, who is my co-signer. She 's been receiving vicious calls about putting a lien on her house, garnishing her and my bank account. They never call me or send me letters, they always send them to her and they keep adding interest to my debt, which it was agreed during my XXXX-XXXX chart XXXX period, interest would not increase. My debt was supposed to be down to {$85000.00}, well now they say it 's over {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a fraudulent collection on my credit report that does not belong to me for a XXXX  bill I have no idea where it came from or who it is for. The account is involved in litigation where the account # is XXXX that is located on my XXXX XXXXXXXX and transunion report. The data gets removed and comes back every 30 days and I don't understand why this account that has nothing to do with me and does not belong to me keeps on reappearing on my account where I am going to sue all 3 bureaus where I am looking for a rental property and this is severely hurting my credit and getting me really upset. The next step for me is contacting my lawyer and suing filing an arbitration.

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 2015-06-25
Company: Client Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a bill from XXXX XXXX XXXX regarding a visit in XXXX 2015. I paid this debt in full in XXXX 2015. XXXX did not credit the payment and has continued to send me bills. Then, I received a letter from a collections agency today for this bill that had been paid in full. When I called the debt collection service they told me their records did not show me owing anything. If that 's the case they should not have even had me in their system. " XXXX '' told me he would contact XXXX to reconcile the account so that I would get no further correspondence. When I asked for " XXXX 's '' last name for future reference to ensure this matter had been reconciled he refused to give it to me. 

This matter is problematic for a couple of reasons. First, if I do not owe the debt then I should not have been in their system. Second, I had to give XXXX my full name, date of birth, and address before he would speak to me. There is no way for me to determine if he really was a valid debt collector and not just somebody asking for my name, birthdate and address. This could have been a scam and I just gave some unknown person my personally identifiable information. 

In addition, I had the same problem with ASE last year where they did not credit my account with my payments and I had to fight with a different debt collection agency to get my payments credited and to have them remove the improper and un-owed debt from my credit report. 

I would like someone to look into XXXX and their billing and payment received actions. This is not a company that I can simply stop using as they are emergency room physicians in this area. 

I would also like someone to look into Client Services Incorporated, the supposed debt collection agency. Refusing to give out a last name but refusing to talk to an individual before they give them their PII is unfair and insecure. I have already been advised that my information has been compromised due to a recent cyber-hacking incident and I need to be vigilant about watching my information. It puts people in a very bad position since if they do n't do anything and everything asked of them the debt collection agencies will ruin their credit and never have to answer for it. 

I would appreciate your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
someone stole my information and made and withdraw money from the account company thats reporting information is XXXX FIFTH THIRD BANK FOR AN OVERDRAFT OF OF {$7400.00} CLOSURE DATE - XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
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:
I am the consumer and the natural person making these claims on behalf of myself. I, the consumer, sent the credit reporting agencies ( XXXX, TransUnion, and XXXX ) my FTC reports regarding accounts from identity theft. I am demanding a BLOCK and REMOVAL of these accounts pursuant to 15 USC 1681c-2 that states a credit reporting agency shall delete information from the consumer 's file that a consumer has identified information that resulted from identity theft, no later than 4 business days. The following accounts are still being furnished on my consumer report that have resulted from identity theft : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX - XXXX, XXXX. XXXX XXXX - XXXX. 

The credit reporting agencies are in direct violation by continuing to furnish these accounts pursuant to 15 USC 1681c-2.

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 2021-12-23
Company: CRESCO CAPITAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OBTAINED CAR LOANS, HOMELOANS, MEDICAL AND ETC. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX OPENED : XX/XX/2019 XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Date : XXXX XXXX, 2021 Action : Opening a checking account at Union Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
Complaint : False Advertisement. 
I Received a solicitation email from Union Bank to open a checking account and get a {$300.00} bonus. Office branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX refused to open the account with bonus.

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 2016-06-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
American Express canceled my account on XXXX/XXXX/XXXX. The only reason they gave me was that the account was " fraudulent '' although there were no unauthorized charges on my account. They went on say that their fraud unit did an investigation and found my account to be fraudulent. The Amex rep would not tell me too much but implied that someone claiming to be me told Amex that he ( I ) never applied for an Amex card. I have been an Amex member since XX/XX/XXXX, at the same address and the same phone number. No one from Amex called me or wrote to verify my identity or to questions me about this alleged fraud although I have been receiving my Amex bills at the same address for years and have never missed a payment. I found out that my Amex account on XXXX/XXXX/XXXX was closed when XXXX billed Amex as they every month for my internet service and the charge was denied. AMEX never informed me that they had closed my account. I can not understand how their fraud unit did an investigation on my account and Amex never contacted me for anything. Also on my online Amex account they list the last XXXX digits on your account. The XXXX digits were not the last XXXX digits on my Amex account, which I also informed the rep. I also receive a paper statement from Amex and it had the correct XXXX digits from my account. In summary, Amex had no right to close account without contacting me, interviewing me or at least informing of what they intended to do. They gave me very little information as to the specific nature of my account being " fraudulent ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Hi I have a problem with someone using my social security to check my credit score and it brings my credit score down little by little i dont know who has my information and its annoying Im stuck cause Im Trying to build my credit and I cant if someone is Constantly doing this

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 2021-12-23
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My home was appraised on XX/XX/2021. Freedom Mortgage has stopped responding to me and has not given me a copy of my appraisal. I've called and emailed with no response. My primary issue is I need the appraisal so I can work with a different company and I shouldn't have to pay for another appraisal. I was supposed to close on my loan today ( XX/XX/XXXX ) but my file is reportedly still in underwriting. It's been one issue after another with this company. I started the process on XX/XX/XXXX. I can't get any response on any topic from the loan officer or the customer service advocate. I have no idea when I might have a closing date. This is hands down the very worst experience I've ever had with any company.

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 2017-05-01
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After numerous attempts to resolve this situation, I have no other option but to seek outside assistance with this matter. I have contacted  both National Credit Systems and  XXXX , only to be told that the account was " Verified '' by the creditor. When I inquired into WHAT METHOD was used to verify the account, as well as WHO " Verified '' it, I have yet to receive a response. I am a victim of Identity Theft, who is desperately trying to get my LIFE back to some form of normalcy after going through this chaos for the past few years. I have been in constant contact with the Credit Bureaus since   XXXX   of 2016. National Credit Systems is claiming that I owe a debt of {$4000.00}. I have NO recollection of this debt, and would greatly appreciate any help in rectifying this discrepancy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: FIRST HORIZON BANK
State: TN
Product: Credit card
Issue: Balance transfer

Complaint:
I recently opened a First Tennessee Visa account with the intention of transferring a balance from a MasterCard account I had with XXXX XXXX. I spoke to a representative at First Tennessee over the phone in XX/XX/XXXX to initiate the balance transfer, and was told that it could take 7 - 10 days to process. After not hearing anything for 2 weeks, I called back and was told that the balance transfer had been approved and that everything was fine. I kept checking my First Tennessee account online, and noticed that my Visa 's balance was still XXXX. After another 2 weeks, I called back again and was told that someone from their customer solutions department would reach out to me. A gentleman called me on XXXX/XXXX/2015 and told me that a check was cut to XXXX XXXX on XXXX/XXXX/2015, but that it was only good for 30 days so we would probably have to submit another balance transfer request. I did as I was told and requested another balance transfer via the First Tennessee website on XXXX/XXXX/2015. 

Finally, on XXXX/XXXX/2015 {$6300.00} posted to my First Tennessee account as a balance transfer. I received a statement from XXXX XXXX showing that I had a XXXX balance. I logged into my First Tennessee account yesterday ( XXXX/XXXX/2015 ) to find that the balance transfer had apparently been processed XXXX and my balance was XXXX what it should be!!! I immediately contacted First Tennessee and was again told that someone from their customer solutions department would reach out to me. I just received a call XXXX XXXX at First Tennessee and she advised me to contact XXXX XXXX and ask them to refund the overpayment. This is absolutely unacceptable and a complete waste of my time. If First Tennessee advised me to submit another balance transfer, then they should have put a stop payment on the XXXX check they cut to XXXX XXXX. First Tennessee needs to refund my credit card, and deal with XXXX XXXX on their own time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I purchased a used vehicle in XXXX. I financed it with XXXX. In XXXX I sold the vehicle to a guy who wasn't able to get financing so I carried the note for him. He defaulted in XXXX and I wasn't able to make the additional payments. There was a little over {$3000.00} left owed on the truck. 11 years later and XXXX continues to change the dates on the account and continue to report the debt on my report. I have gone through every option available to get them to remove the debt, but they refuse. I don't have a copy of the loan documents so I haven't been able to prove the dates. I have requested a copy of the original loan document and XXXX doesn't respond. They are now showing the account as being opened in XXXX of XXXX. That is incorrect. I have since rebuilt my credit and got back on track. However, I'm limited because XXXX is reporting far beyond the 7 year reporting time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My complaint is with Specialzed Loan Servicing, LLC. I had difficulty paying my mortgage with this company prior to them giving me a loan modification. Even though they later approved a loan modification for me, they did not remove my prior late payments from my credit report. After I got the loan modification, they stated that I have to pay a huge balloon payment on the loan in the future. I have tried to refinance my loan but can't get one because Specialized Loan Servicing still has those late payments on my credit report and it has already been many years since I've been late. I need to refinance my loan because I won't be able to pay the balloon payment but my credit score can't increase because of the mortgage company not removing those late payments. Please ask them to remove all of those late payments from my credit report so my credit score will go up so I can refinance my mortgage. Thank you.

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