BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: BARCLAYS BANK DELAWARE
State: MO
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:
I have a XXXX credit card and XXXX has gone into my checking account unauthorized for the last XXXX months and taken {$200.00} dollars each time to pay on my balance. 

The minimum payment is less than {$40.00} so, they have received over {$240.00} twice, by accessing my checking account and just taking {$200.00} extra each month. 

I contacted them last month and was informed that They would replace the overage. 

I received a letter informing me that they were keeping the overage. 

They took another {$200.00} above my authorized payment again this month, XX/XX/2023.

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo charged me multiple times with ridiculous fees I have never heard of and constant overdraft fees without the chance to pay them off now I opened up a medical card after I thought I closed my bank account with Wells Fargo but now that my card is open and telling me that I still have an account with Wells Fargo and they cant allow me to make an account or pay my bills online because my accounts are connected and they cant fix that over the phone or over the email and Ive already gone to the bank to try to fix it and they told me I had to call the phone number and now every month Im getting charged a late fee because I can not pay my bill on time because they wont allow me automatic bill payment and they wont allow me to access my account online they also will not join my accounts together even though I close that bank account a long time ago. 
They are charging me late fees and ruining my credit unfairly. 
My old last name is XXXX new last name is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: PA
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 has been some information that has been reported on my file. I am a victim of identity theft with the incorrect items being put on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the theft of my identity to the Federal Trade Commission 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. On a personal level, my family and I have been in the process of making some very life changing decisions to provide a better lifestyle for us. I am a father of XXXX and I would like to provide a home for my family and I, however its been very hard with the incorrect items on this report. I would sincerely appreciate, if this report could be corrected immediately, as it is a hinderance on many levels.

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 2023-03-07
Company: EQUIFAX, INC.
State: MI
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:
- XXXX XXXX XXXX XXXX, GA XXXX Incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Nelnet, Inc.
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have called Nelnet 's customer services number multiple times with the latest attempt occurring XX/XX/2023 at XXXXXXXX XXXX. After being told I would be waiting XXXX minutes on the phone before I was put on the phone with customer service I had to wait 3 times that amount totaling to 1 hour and 3 minutes. After waiting this period, the music playing on Nelnet 's side of the phone call stopped and beeping was then heard, signifying that the call was dropped. This was my third attempt to get access to my student loan account that was taken over by Nelnet. I am just trying to pay my student loan off and as this problem persists and I continue to not have access to my account, interest continues to accrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans were being serviced by XXXX XXXX up to XX/XX/XXXX until my student loans were purchased by XXXX XXXX company. My original loan amount with XXXX XXXX in XX/XX/XXXX was {$110000.00}. When I received notification from XXXX that they had purchased my loans the amount was increased by over 1000 % to {$350000.00}. I have submitted several complaints to XXXX trying to get an answer!!! I NEED ASSISTANCE!!! I have not attended school since XX/XX/XXXX and I have not attended school after XXXX purchased my loans in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen and used to apply for apartments. The company now claims I owe {$16000.00} as of XX/XX/XXXX. This claim is based out of XXXX, Florida. I have reached out to the collections team and reported it as fraud and they have sent me the following steps to verify I was not the one involved in the process. The debt collection request came from Columbia Debt Recovery LLC DBA Genesis. The original creator was XXXX XXXX at XXXX and placed for collections on XX/XX/XXXX. Since learning of these issues I have signed up for credit protection and locked my account for further inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Family First Funding LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
It took me a long time to write this complaint, because I am a good and honest person, that got hurt really bad. 
I would like to point out how XXXX XXXX took the joy out of buying my first home. What he promised over the phone, unfortunately never put it in writing, that he will match any lower rate given to me, was a promise not keep and fulfilled. After sending him a proof from another bank, I was told sorry nothing I can do about it and I was asked to take the other offer. However, the other bank has 3 months long process and I had 3 weeks to get out of my apartment with XXXX minor children. What a monthly payment supposed to be {$3200.00} it turned out to be {$3500.00} for the next 30 years of my life. All thanks to XXXX, who decided to get caught up in numbers. Family First Funding puts money and profit first, and not the customers. I am so disappointed with he whole experience, and I feel tricked and used. I believed in his word, and in his promise and that is the biggest mistake I have done. Instead of having {$300.00} a month to put away for the kids, I gave it to XXXX. He also promised we will do refinance free of charge, and guess what? He sold my policy to another bank within the first month. Another broken promise, another used client. He also accused me over the phone that I am trying to corner him into giving me a lower rate, however he was the one that offered me to match any lower rate I get. And I got it from XXXX XXXX, he just didn't wanted to hear it - hear out the customer. Be aware of Family First Funding, apparently a family owned business, which cares about their family only. The person who works for him was very compassionate about the whole situation, because she realized what just happened. 
Purchased a house XX/XX/2022, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-01-07
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: IL
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:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as NOT MINE and as Identity Theft from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Advance America, Cash Advance Centers, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I applied for and received a payday loan on XX/XX/XXXX for {$300.00}. I was then offered the opportunity to apply for an installment loan and did so on XX/XX/XXXX. The terms I was given for the installment loan seemed predatory so I did not accept and sign for it. 

I soon discovered that I was unable to refinance the payday loan when offered. I received two emails on Friday XXXX and a text message on Tuesday XXXX with offers to refinance online but there was no banner available on the website. I suspected this had something to do with the installment loan application. 

I called to reschedule the payment for the payday loan. It was due XX/XX/XXXX and while I could have paid on that date it was easier to reschedule for later. I also withdrew the installment application. Lo and behold, the refinance banner appeared when the installment loan application disappeared!

This may well be some website weirdness, but it does seem predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX HAS PULLED MY CREDIT 3 TIMES XX/XX/2021 XX/XX/2021 XX/XX/2021 I DID NOT GIVE XXXX XXXX XXXX THE PERMISSION TO PULL MY CREDIT. THIS INQUIRY IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I HAVE TRIED REACHING OUT TO CREDITOR AND TRANUNION WITH NO RESOLUTION OR PROOF OF AUTHORIZATION.

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 2018-03-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We refinanced our home with XXXX XXXX on XX/XX/XXXX / now Wells Fargo Bank. After paying our last house note and the principle balance on XX/XX/XXXX, on the XX/XX/XXXX all these funds were placed in a unassigned funds status and our account has been handled as if we are late paying the last payment with interest being added daily on the unpaid balance ( which has already been paid ). We have talked to numerous customer service reps. and three ( 3 ) different supervisors, who all have given us the same run-around and no one has followed through to finalize this account as a paid in full account. In the beginning of the problem, Wells Fargo said the problem was that there was a missing payment from XX/XX/XXXX ; only to find that that payment was sent by XXXX XXXX Georgia, a grant program we were able to take advantage of during a time of hardship. That program lasted 18 months and the payments to Wells Fargo was turned back over to us after that time. Since that time, we have not missed a payment. We were told that the payment they thought to be missing has been located and we would be hearing from the mortgage dept. within one to two days to finalize this account as paid in full. That person I, spoke with ( XXXX, Code # XXXX ) told me that the payment was misplaced because it was sent to the original account number which was changed after Wells Fargo took over XXXX XXXX. It is now XX/XX/XXXX and that has not happened ; and the people we've talked to have not gotten back with us as promised ; nor can they be reached any longer. We now keep getting new people who start the same run-around over and over again.

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 2023-07-11
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax 's mechanism in place for consumers to view, freeze, or dispute credit information consistently fails. Accurate login information is rejected, there is no human representation to aid in correcting issues, and consumers without smartphones can not use the self-service phone tree to resolve issues as you are required to stay on the line and check your text messages simultaneously. Equifax does not support the consumer, but the consumer must support Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-06-30
Company: John C. Heath, Attorney at Law, PLLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Ive been working with Lexington law on and of for years. But this last time had been the worst ever! I pay like XXXX a month for several months this last time and they hadnt even disputed more than 2 items for the last month I was with them and they had a nerve to want me to pay like XXXX for the months when I canceled it. I even got a letter from one of the companies I disputed back saying I needed to put the account number on the letter cause they couldnt find anything. Also they couldnt pull my XXXX report for several months. So why should I have to pay the full amount when Im not getting all the services they provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: LoanCare, LLC
State: DE
Product: Credit reporting 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 this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ) ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-03-07
Company: EQUIFAX, 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:
Please see the attached FTC report and remove the following unauthorized inquiries and account. I have tried many times sending letters directly to the credit reporting agencies and it fell on deaf ears. This is my last attempt before I take legal action due to many FCRA violations. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. I have no knowledge of this, and all is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Midstate Collection Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
15 U.S.C 1666B States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONWIDE RECOVERY SYSTEM for committing identity theft.On XX/XX/2022 I received an alert from XXXX XXXX asking did I open an account? The message from XXXX XXXXa stated It looks like an account with NATIONWIDE RECOVERY XXXX was added to your XXXX credit report. I have never given NATIONWIDE RECOVERY SYSTEM ANY permission to use any of my identifying information to commit fraud. I have never received any correspondence from NATIONWIDE RECOVERY SYSTEM about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONWIDE RECOVERY SYSTEM can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONWIDE RECOVERY SYSTEM continues its collection efforts, I will file for litigation for actual damages caused and NATIONWIDE RECOVERY SYSTEM will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX

Company response to consumer: Closed with explanation