BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-08
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
I bought an A/C in XXXX through XXXX and I got a credit store financed with Wells Fargo under a Promotion for 18 months with a 0 % Apr, ended in XX/XX/XXXX. For that reason I was making enough additional payments to my account to pay the debt in time before XX/XX/XXXX .... Also, when a customer wants to make payments " on time '' take extra precaution so I did and set up the automatic payments to " pay on time '' meaning not missing any " due date ''. However, I made extra payments to reach the amount before the promotional interest has ended. But Wells Fargo was not taking the extra money I was putting into my account because I had the autopayment set up, and just the minimum amount of this system was accepted and no additional payments were accepted. Yes, I believed I was making additional payments for many months, but in the reality they were not processing those payments. So, at this point it looks to me that this a " tricky system '' Wells Fargo is using to overdue payments, and in my case they won a " deferred interest ''. This tool is doing the opposite because is not letting the customer make payments " on time '' the automatic payment is there to help customers, and it has to be an " useful tool '' and Wells Fargo ' s system is not doing that. How do they think a customer can reach their total balance on time if they do not let customers pay extra payments other that the minimum amount with this automatic system they have. 

My original debt was {$4900.00} in XXXX was a balance of around {$500.00}, they applied the deferred interest of more of {$1500.00}. When I called The first time to Wells Fargo I did not realize about this issue with their system, worry about this situation I was trying to move this debt into another account due the high interest they also applied 28 %. As always taking care of my finances. But it is when I realized " why '' the total debt was not paid " On time '' so the representative admited she could see I was making " those unsuccessful additional payments '' due to their system and admited it was their fault. So she reduced the debt saying that was all her system let her do, I ended paying around {$800.00} just for the " deferred interest '' Is it not fair.

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 2022-12-27
Company: U.S. BANCORP
State: OH
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:
Hello, my name is XXXX XXXX I live in XXXX, Ohio and someone has opened a credit card using my identity without my permission. It is for-sure identity fraud and Id like it investigated immediately and closed. Ive never opened an account with XXXX XXXX XXXX or an affiliate with that establishment. I only have a XXXX  card and XXXX XXXX  I opened recently. The card was opened on XX/XX/XXXX and the last activity was XX/XX/XXXX. I repeat Ive never opened a card with that company or affiliate. Im beyond terrified I hope my identity doesnt get compromised.

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 2019-10-16
Company: EQUIFAX, INC.
State: IN
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:
In XX/XX/XXXX, husband and wife applied for a joint mortgage with XXXX/XXXX. In XX/XX/XXXX, according to divorce decree, wife was awarded home and a quit claim deed was filed to transfer ownership solely to ex-wife. Per the decree, ex-wife refinanced loan in her name only. Loan was modified from joint to individual. In XX/XX/XXXX, XXXX took over loan and reversed loan from individual to joint loan again. I have been trying to resolve this issue since XX/XX/XXXX after reviewing XXXX XXXX. So far, I have contacted Equifax and XXXX to no avail. XXXX confirmed that the quit claim was signed in XX/XX/XXXX. However, the mortgage is still showing on my credit report. Also, my name is spelled incorrectly with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I was looking on XXXX XXXX for a used XXXX XXXX to purchase for my nephews birthday. I saw one for XXXX $ and asked if the merchant ( XXXX XXXX ) would be willing to ship it instead of meeting up for the item. The merchant agreed and assured me that once I paid her the money through messenger, she would ship the item and keep me updated. After transferring the money to her over XXXXXXXX XXXXr, the merchant was unresponsive to my messages. I then, reported the merchant to XXXX and filed a dispute with my bank USAA the next day on XXXX XXXX I am a veteran of the United States XXXX and have been with USAA since XXXX. After making the dispute I sent my bank screenshots of the business transaction. I sent screenshots of the merchant being unresponsive. Because this money transaction was through messenger, XXXX advised me to dispute the charge with my bank because the purchase was not made through marketplace. I never received anything in the mail from the merchant. It is clear I am a victim of fraud. I submitted evidence proving I was a victim, but upon speaking with my bank, I was advised I had to make a dispute with XXXX to get my money back. As a bank who I had trusted, I expected that USAA would resolve the dispute in my favor because I was scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove this fraudulent account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-27
Company: First Recovery Solutions, Inc.
State: OR
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received multiple telephone calls from XXXX XXXX XXXX XXXX. They stated I defaulted on a payday loan from 2011. I inquired where, when and what company the loan was through the agent then said they would just take me to Court and hung up. I called back and an agent identified the Company as First Recovery. I asked for their address and agents name she refused to give it. I told them not to contact me again and to contact me through my attorney. I told them that I wanted my attorney to send them a letter and she hung up. They have the last XXXX of my SS # and the last XXXX numbers of my bank account. I believe this is a scam as I have never received written notice from them.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed the validity of an old tax lien with all XXXX credi bureaus and all but Eqifax have removed the lien from ny file. It does not exist. There is no way this is being verified as a valid lien. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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: Reporting company used your report improperly

Complaint:
XXXX, XXXX and TRANSUNION are CREDIT REPORTING AGENCIES and continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. XXXX, XXXX and TRANSUNION is not allowed to have or purchase Consumer information without my consent. This is an infringement upon my Consumer Right To Privacy. Consumer will no longer allow XXXX, XXXX and TRANSUNION to report any information and Consumer did not authorize anyone employed at XXXX, XXXX and TRANSUNION to make any inquiries and/or view my credit report and that this is a violation of the Credit Reporting Action Section 1681b ( c ) and a serious breach of Consumers privacy rights. Consumer has attempted several other times to get my information removed. Consumer has never gave anyone permission at XXXX, XXXX and TRANSUNION and have been railroaded by XXXX, XXXX and TRANSUNION to ignore my Consumer issues. Under 15 USC 1681a ( e ) Permissible Purposes Consumer no longer want XXXX, XXXX and TRANSUNION to report ANY of Consumers information and if they do it will be considered FRAUD. XXXX, XXXX and TRANSUNION do not have Consumers permission Under 15 USC 1681c2 and will be considered identity theft. XXXX, XXXX and TRANSUNION has also violated 18 USC 241/242 Deprivation of rights under color of law because after so many attempts to have this information removed.

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 2022-04-30
Company: Experian Information Solutions Inc.
State: IL
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:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint not only for the third ( XXXX ) time against XXXX XXXX XXXX, but also against ALL THREE ( XXXX ) major Credit Reporting Agencies XXXX XXXX XXXX, and Experian for not only violating my rights as a consumer, and for also reporting false and inaccurate information on my consumer report. In accordance with the Fair Credit Reporting Act, EVERYTHING has to be 100 % accurate. After carefully reviewing my latest consumer report, I not only found several violations, but I also see that XXXX is continuing to report inaccurate information as well ALL XXXX major CRA 'S. This fraudulent activity is still in progress even after me sending XXXX a certified letter on XX/XX/2022 ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a complaint with the cfpb on XX/XX/2022 ( still no response ), another certified letter on XX/XX/2022 ( tracking # XXXX XXXX XXXX XXXX XXXX ). Attached labeled as Exhibit A, is a screenshot of this fraudulent reported account, reported closed on XX/XX/2022 on XXXX. Also attached labeled as Exhibit B is the final letter sent to XXXX on XX/XX/2022, informing them of how their company has violated my rights as a consumer deliberately, intentionally, and purposely and is willfully violating my rights as a consumer. Lastly, attached and labeled as Exhibit C, is a copy of this company and ALL three ( XXXX ) Credit Reporting Agencies reporting inaccurate information ( ALL HIGHLIGHTED ). How can any of this information be accurate with so many inconsistencies? The account type is inaccurate, The account detail is inaccurate, Date opened is inaccurate, Balance is inaccurate, No. of months is inaccurate, Past due is inaccurate, payment status is inaccurate, Last reporting date is inaccurate, comments are inaccurate, date last active is inaccurate, date of last payment is inaccurate, along with the entire XXXX ( XXXX ) year payment history also reporting inaccurate. Not only has my rights to privacy been violated, ( according to 15 usc 1681 section 602 A ), but also 15 usc 1681 section 604 A section 2, which states that a consumer reporting agency CAN NOT furnish a account without my written instructions.

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 2021-01-26
Company: FORD MOTOR CREDIT CO.
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: Information belongs to someone else

Complaint:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. FORD MOTOR CREDIT XXXX : XXXX. XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
Bank of America has double charged me twice through their auto payment feature in XXXX with two different cards. 

On XX/XX/2022 I paid my balance total of {$320.00} then BoA charged me the same amount again on XX/XX/2022. I called customer service, and they said it was a mistake and offered to refund me the second amount and said this would not happen again. 

On XX/XX/2022 on another BoA card they charged me {$310.00} which was my XXXX balance. Then again on XX/XX/2022 they double charged me {$310.00}. 

All four of these charged were taken from my checking account and were actually taken by Bank of America. I did not specify to make these double payments, BoA 's automatic payment process did 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 2021-03-09
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Condo I own has their own insurance and Shellpoint was sent those documents ... ..they claim they didn't receive it so charged me for escrow which I refused to pay. Once the mess was corrected they gave me credit for the escrow charge except they charged me {$940.00} for late charges even though I NEVER missed a payment and was NEVER late. I want to pay off the mortgage ( the correct amount ) and have my credit score restored. Neither has been answered by Shellpoint. How long must this go on before I have to file a lawsuit? And the compliance manager, XXXX XXXX, did not help the situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX, Equifax and XXXX are all listing incorrect information on their sites ( and XXXX XXXX ) picks it up and lists this information on its site. 

Specifically : 1. they are listing my account with XXXXXXXX XXXX as closed, when it should state " Paid In Full ''. 
2. They are listing I owes XXXX XXXX {$39.00}, XXXX unpaid money. This is incorrect and I have contested and sent collaborating evidence, yet they continue to list this. 
3. I am also listed as having 175 credit cards. In the past I had approximately 4-5 credit cards total and presently only two.

Finally, every time I contest the erroneous information they use these old accounts as a reason to drop my credit score. Also every time I use my credit card, even though I pay the balance off edarly - prior to the due date, they drop my credit score. 

They are doing this to get me to buy in to their services, i.e. applying for credit cards they advertise and support on their sites. Since I told them that I was not interested in their products they have continuously dropped my credit score while continuing to bombard me with requests/emails to buy their products. 

They are causing me to lose financial opportunities and are crushing any chances I have of applying for a home, apply for bonding and most importantly, trying to break my spirit. 

I just checked again to day and they dropped my credit score again. I need your help to make this stop. 

I have backup information for XXXX and XXXX if you wish to have them. 

Thank you for your time and effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Approximately XXXX I applied for a Citibank Costco Credit Card. 
My request was denied an I was told I would receive a letter in about 7 days. 
XX/XX/XXXX. 2022 I received a letter outlining the reasons for denial. Based on their letter and indication that it was based on my XXXX credit report, I checked my report. 
The initial reasons they cited in the letter were NOT accurate. 
XX/XX/2022. After reviewing their email and reading their letter i attempted to call them, at the number they provided. The number was an AUTOMATED SYSTEM that did not offer an opportunity to speak with a live person. After approximately XXXX mins of trying to speak to someone the person that answered transferred me BACK to the automated system. 
I didnt have time to deal with it so I set it aside. 
Later the same day I again attempted to contact them to speak with a live person. Again, it took XXXX minutes of fighting with the automated system to be transferred to a live person. I prefaced the call with the fact that their automated system was horrible. They did transfer me to another live person. That person was very nice but couldn't seem to grasp the reason I was complaining and that pulling another credit report would be a waste of time because their explanation did NOT match what was on my credit report. 
Additionally, had they made it clear that XXXX derogatory remark on the credit report, regardless of the reason, the application would be denied, I wouldn't have applied for the card. 
Additionally, I have a FRAUD ALERT on my credit reports. Most legitimate requests for credit applications are followed up by a phone call to verify my identity and to verify I personally submitted the application. They didn't do that. How do they know it wasn't a fraudulent request?

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 2018-11-06
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
During my 4 years of college I was studying to enter the XXXX XXXX XXXX XXXX. I took out several loans to help, both private and federal. The issue is that the Private loans, now owned by XXXX XXXX XXXX XXXX have variable rates. I have worked on and off during raising my Child and I am expecting to be out of work for my XXXX child. The reality is that my work does not cover the cost of childcare so it is more affordable and just as beneficial to the children to stay home with them. There are currently 4 private loans amounting to {$40000.00} with rates of 11.25 %, 11.75 %, 10.625 % and 11.125 %. I have paid these since graduating in XX/XX/2011 but can no longer keep up having made no dent in the principle and only affording to pay the outrageous interest rate each month. How can they get away with not lowering these rates to a fixed lower rate that is achievable. This is predatory lending to a young XXXX girl with little/no financial background. In addition to this, the school provided no education on the risk of lending, nor did they make any effort to find a lower rate federal loan that would not create such hardship for students futures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Regarding complaint ID numbers : XXXX and XXXX Wells Fargo needs to provide the paperwork titled Relationship Change Application to document the addition of two joint owners.

Wells Fargo needs to provide the full legal name of the employee who is certifying that two joint owners are currently on XXXX XXXX 's savings account. Please include the mailing address where a court summons can be sent to that person. 

Wells Fargo is committing fraud by signing documents with fake names, such as XXXX XXXX and XXXX XXXX I spoke with multiple individuals claiming to be XXXX XXXX, and those individuals had two different accents.

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