BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-10
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants Inc. contacted me via phone about a debt owed to XXXX XXXX XXXX. After repeatedly requesting them to verify the debt as the account in contention was opened in error on the behalf of XXXX XXXX XXXX, they refused. I submitted an online dispute for both companies and received the below response from XXXX XXXX XXXX. DCI simply responded back stating the debt was valid even though the original debtor states that it was not. This error on both of their parts has resulted in a 80+ point reduction in my credit score and I am unable to resolve with the DCI through normal means. 

I called in back in XXXX of XXXX to add a line for my son and get him a new XXXX. At the time I was offered a promotional deal where we could buy one XXXX XXXX XXXX and get one for free ( on the same call ). The agent processed the order after I repeatedly inquired whether or not I was eligible for this promotion or not. Within a few days I received the phones and called again since the number on the box was not my own. I was told that that was a mix up and that I could simply use my existing SIM card and should be good-to-go. 
After a month or so, I received a letter stating that I needed to pay my XXXX XXXX XXXX bill for a phone number that I was unfamiliar with. I disregarded until I received a second bill stating that I owed for the entirety of the balance for the phones. I called Customer care again and explained the situation and was informed that the issue was resolved. I even received a letter stating the account had been closed. 
After another couple of months I began getting calls from a company called Diversified Consultants Inc. claiming they were working on your companys behalf to collect a debt. I again, called Customer care and was told the account was cancelled and that it would update on their end in the near future. 
The week of XX/XX/XXXX I received numerous phone calls from DCI and after repeated attempts to get them to re-verify the debt, a derogatory remark was placed on my credit causing a 80+ point drop. I attempted to call DCI to no avail and have yet to be able to get in touch with anyone to rectify the situation Below is the email from the Office of the President at XXXX XXXX XXXX stating they have corrected the error. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX <XXXX> wrote : Subject : XXXX XXXX XXXX Case XXXX To : XXXX Hi Mr. XXXX, I have removed the account from being written off with an OCA and also adjusted the balance owed on the account. I am still working to rebuild the installment plan on your line.Thanks again for your time and have wonderful week. 

Thank you, XXXX XXXX Office of the President XXXX XXXX XXXX XXXX , XXXX. 
o XXXX ext. | XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I been reporting to XXXX, XXXX  and XXXX  for months that a third party is reporting wrong information to them about a cancelled and close account they bought off an original creditor. The third party company is Portfolio Recovery I dont have no business with the third party and the account they bought was cancelled and closed due to the product being defective as a result the original account is closed. They are violating my rights by continuing to report a cancelled account as open from a third party when it is clearly closed. It was verified and they will not remove it. I dont owe any balances to this collection agency I have no business with them neither do I know who they are besides an agency trying to ruin my credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I am requesting support reviewing and assessing management of my student loan. I received a loan while receiving my education a XXXX XXXX XXXX University in the late XXXX 's. I then went and got a masters between XXXX and XXXX, where I again received a student loan to complete the work. I received about {$50000.00} in total. I later consolidated my loan in XXXX. I recently reviewed my loan because my repayment was going to start again after COVID deferment. It was at that time that I noticed a disturbing piece of information. I noticed on the Fed Loan Servicing website that I had paid {$15000.00} in interest payments out of {$20000.00} in payments. Only {$5000.00} went towards the balance! I have never been delinquent in payments and never received a notice of action to be taken due to non-payment. On my credit report my payment status report " exceptional '' under Fed Loan Servicing. I have received a one-year deferment over the last 20 years when I was between jobs and not earning. After reviewing my payments on the Fed Loan Servicing website, I have noticed dozens of months where whole payments went to pay interest even though all payments were within the " pay by '' due date. After {$20000.00} in payments, I have seen no reduction in the initial disbursement amount! 
I requested a review by Fed Loan Servicing and received dome documents stipulating the terms of my loan, but no review. I received no explanation as to why the distribution of my payments were the way they are, why dozens of payments have not gone to paying any balance, how I could pay so much interest without ever being recognizably in the arrears, never late on any payments, and never received any information advising that I am managing my loan inappropriately. At this rate I would pay close to {$200000.00} on a {$50000.00} loan. I can not accept that this is correct without an explanation and if it is I would have to find some other way to dissolve this loan because paying 4x the amount of your loan is not feasible or sensible. I would have to consider bankruptcy. I would like to include that my credit is excellent, and I have never had an issue paying my bills. I need help figuring this out. I have called Fed Loan Servicing hundreds of times requesting an explanation, but their staff are unable and just advise having a review done, which I have Every time I call Fed Loan Servicing for support, I have to wait a couple of hours to speak to someone and there Call Queue that is supposed to call back when your turn in line coms up if you leave your phone number, now only hangs up after offering the option. I do not believe that I will get any assistance through Fed Loan Servicing, I will be forced to start paying my loan back without explanation as to why it is managed this way, I will pay an exorbitantly high amount for such a loan and will never achieve remitted status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: WELLS FARGO & COMPANY
State: WI
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:
I did not authorize a hard inquiry on my credit report. My understanding is that this was a SOFT INQUIRY, and am on a RECORDED line reiterating as much. A hard inquiry was done without my permission or understanding. 

Text sent to Wells Fargo Services. 
-- The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XXXX, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of on XX/XX/2022. My understanding is that this was a SOFT INQUIRY, and am on a RECORDED line reiterating as much. A hard inquiry was done without my permission or understanding. 

Although I am mostly a happy Wells Fargo customer, I would have not have wasted a hard inquiry for a CLI increase request. 
Mistakes happen, but I am asking that you remove this inquiry from all three credit reports. 

Please launch an investigation to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if you find the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Netspend Corporation
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Netspend corporation is stealing money from it's consumers. I have gotten charged today XXXX dollars in overdraft fees for a accidental XXXX dollar overdraft and they tell me it's what I signed up for they have been doing the every payday doesnt matter how much I wh and plead and I am tryinto get my direct deposits stopped by I can't be get anyone on the phone that's help due to saffing isues. I keep calling them ... as I do I get charged more " service fees '' They are robbing me blind and I'm close to living on the streets with my XXXX XXXX  XXXX  because of covid 19 and I can not stop crying. They won't stop robbing me blind pleas help me. Stop them from doing this to others! They are scammers! I'm so hurt and angry and almost homeless because of them I can't put food on the table the week I had to go to a local food pantry.

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 2020-12-18
Company: LD Holdings Group, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
LoanDepot has inaccurately reported my having paid my home loan late. 
I would like to get Loan Depot or the appropriate entity to correct this reporting with my credit agencies. 

As background, I refinanced my home loan through Loan Depot in XX/XX/2020. In more than a decade prior to refinancing, I had never been late for a loan payment. 

With the refinancing, I set up an automatic electronic transfer from my bank account to loan depot for payment every month. At first, this worked seamlessly. 

In XXXX, I was notified that my XXXX and XXXX payments were overdue. I contacted my bank, which indicated that the payments were made on time -- one on XX/XX/XXXX and the second on XX/XX/XXXX. Nonetheless, on XX/XX/XXXX, I made another payment for the amount of both months combined to ensure they were paid. 

Later in XXXX, Loan Depot again notified me about the two overdue payments -- for XXXX and XXXX. I again called my bank, which indicated that the payments ( the first two and again the follow-up third ) were made. I contacted Loan Depot, which indicated that the money may have been returned to me. 

I then made the payments with a written check, rather than by electronic transfer. 

Attached are letters from my bank, XXXX, indicating that the payments were made to Loan Depot in a timely fashion prior to XXXX and XXXX, and then again the third payment to pay an additional time, all by electronic transfer. 

I'd like to get my credit report cleared up. I understand that I've been reported to credit agencies as having made delinquent payments. Can you please remove this credit complaint from my records at Loan Depot and with the credit agencies. 

Please have someone contact me to discuss and let me know if you need any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We deposited XXXX check on XXXX separate days. The initial payroll deposit made on XX/XX/XXXX was supposed to have a partial released on XX/XX/XXXX and that the full amount will clear on XX/XX/XXXX. That didnt happen. The second day, we deposited a check from XXXX XXXX and that was supposed to be released on XX/XX/XXXX. That didnt happen. We talked to several reps over the phone and went into the branch and we were told different things : 1. The account hard been flagged for fraud 2. The issuers of the checks ( 2 separate companies ) have a history of retuned checks. 

I called both banks and they informed us that both checks cleared. So I called Wells Fargo informing them of this and they stuck with the story that both companies are unaware ofthat the banks have a history of returned checks. 

As of today, we have {$17.00} available in our bank. This has left us crippled. We are not sure of how were going to make it to work this week or pay our bills that are due. Wells Fargo refuses to release a dime until XX/XX/XXXX. Which is an unreasonable time to hold anyones funds

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 2019-04-01
Company: BBVA FINANCIAL CORPORATION
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I continue to be late due to my due date. I've requested in writing per their customer service that my date be moved to the XXXX. It's been rejected and the reason I'm told it's rejected is because of late fees and not being current. Well, I can't get current because as I've explained in the letter to them I get paid on the XXXX and the XXXX. My rent, loan, electric, water, and gas are all due on the same day. I will never, not ever be able to pay all of this on the XXXX. So even though I've explained this over and over they continue to leave it and hit me with late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XXXX i used my debit card to make several hundred thousand dollars in purchases from a business in the XXXX XXXX. The purchases were made while I physically located was in the USA and the transactions were all denominated in USD. 

I was charged foreign transactions fees that amounted to thousands of dollars. 

Foreign Transaction Fee on Transactions in US Dollars Bank of America Visa Card. 

BOA charges a foreign transaction fee on transactions consummated in US dollars. BOA alleges they are allowed to charge this fee, but the cardholder agreement is not explicit as to when they can elect to charge and when they don't. 

The cardholder agreement is explicit that if the transaction is in foreign currency, they will charge, but its not applicable when charging these fees on US dollar transactions when the cardholder is physically located in the USA. 

My account was closed by BOA but those fees have never been refunded. Recently the Biden administration has taken numerous measures to combat junk fees which include the application of foreign transaction fees just like those that I was charged!

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 2023-04-28
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the XXXX to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2021-08-25
Company: EQUIFAX, INC.
State: MD
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 XXXX I sent a letter regarding inaccurate unknown things and late payments on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 50 days later I have not received a response yet. I feel like my disputes and I are being taken advantage of and dismissed. In section 611 ( a ), plainly states that a failure to investigate these items within 30 days provides a basis for immediate removal of those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2022-08-10
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXXXXXX XXXX XXXX XXXX 2022 and numerous times before that I have tried to call this collection company to get valid proof of this debt. Not only did they never answer my calls, but they never sent me a bill and by Regulation F standards this is unlawful and should be removed from my credit report. I have disputed this numerous times with the credit reporting agencies and they always say the debt is valid but never provide any written proof to ownership. The name of the company is rent recovery solutions in XXXX georgia. Please help as I have tried to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: AMERICAN INTERNET MORTGAGE
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
When my mortgage was transferred ( XX/XX/2023 ) my autopay was charged twice in 1 month. I requested credit on the duplicate payment ( contacted them twice ) but my message was never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CONVERGENT OUTSOURCING FORWARDED A NOTICE ADVISING THEY ARE ATTEMPTING TO COLLECT A DEBT THAT HAS NOT BEEN VALIDATED. UPON THE INITIAL REQUEST, I INQUIRED ON THE VALIDITY OF THE DEBT. CONVERGENT THEN FORWARDED THE ATTACHED, WITH A DIFFERENT AMOUNT, DIFFERENT DATES, AND DIFFERENT LENDER. IT DOES NOT REFLECT WHAT IS CURRENTLY SHOWING ON THE XXXX CREDIT REPORT AND IS INACCURATE.

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