BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo has let multiple charges go through my account and charged me overdraft fees after multiple conversations to decline any charge made without the proper funds. I deposited a check on XX/XX/XXXX in the amount of {$3000.00} ( from a bank that they had previously received a XXXX check from and cleared with no issues ) to Wells Fargo to avoid further charges or overdraft fees. I made the deposit via the mobile app and after a not so great conversation with the level 2 call center regarding the unnecessarily long hold, the gentlemen proceeded to then reject my deposit causing me to have to physically go to the bank to make the deposit. I received a receipt stating a partial hold would be released on XX/XX/XXXX and the remaining on XX/XX/XXXX and that no further overdraft fees would incur. That was not true. I woke up to a notification that an additional 7 day hold was applied to my check from XXXX XXXXXXXX XXXX, for no reason and to more overdraft fees charged. I have called Wells Fargo call center multiple times today and received nothing but hostility as well as the Branch Manager locally. I called the local branch at XXXXXXXX XXXX  on XX/XX/XXXX and never received a call back. I then called again at XXXX XXXXXXXX  to get an update. They are saying they are unable to verify the funds, however they waited until XXXX PST to even call to attempt to verify the funds from an XXXX XXXX XXXX  XXXX They have told me there is nothing they can do and that I have to wait till XX/XX/XXXX. 

The way I have been treated by Wells Fargo in the years I have banked with them is disgusting. This last and final event that just occurred was the final straw. The complete disrespect and disregard for people is astonishing.

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 2022-02-14
Company: CITIBANK, N.A.
State: PA
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 received a email that my social and Drivers license was exposed to a security breech with XXXX XX/XX/2021 ( I just switched phone companies because of this ) the same week I received a email from XXXX that my information was found on a Dark web. Someone is using my identity to apply for credit. I have several inquires that i didnt make on XXXX XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2023-09-13
Company: Netspend Corporation
State: OH
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I was sent a prepaid Mastercard by NetSpend that I did not request. I tried to call the company and cancel the account but they would not cancel the account without me providing the last four digits of my social security number. Because I never filled out an application or requested this card they should not have that information at all but somehow they do and they will not provide me any information unless I give them the last four digits of my social security number. I refuse to give them any information about myself since I did not sign up for or request this card. If they have this information they have stolen my identity somehow.

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 2023-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency without my written instructions.

15 USC 1666b : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Maximus Education, LLC dba Aidvantage
State: OR
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:
aidvantage, I have been calling in order to understand what has happened to my student loans. all three times I call the operator was rude, and put me on indefinite hold. 

I m very upset. I m trying here. I would like some clarity on what is happening to my loans, when they will be due and maintain a healthy relationship with this burden. 

I can not believe how unprofessional Aidvantage operators are. It is already hard enough to make payments, now I have to deal with children like behavior from the operators. This is not a game, this is my life. I m trying to put an end to this 20 year debt burden I have. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
According to 15 USC 1666- 1666 J, The signer and cosigner / creator/ beneficiary are filing a billing error on the account listed in the attached documents. Mazda financial Services has treated me and the signer with extreme prejudice, and violated my rights as a consumer from the very beginning of the contract by not giving full disclosure on the terms and method of the creation of the commercial contract in question. Both the co signer and signers signatures were transmitted from what was really signed and a name that is not the name of either the signer or cosigner was placed underneath the contract that is a variation of either a deceased person or a fictions person. A offer according to UCC 3-603/3-311 was sent for accord and satisfaction with a conspicuous statement which stated in short, that upon redeeming the tender of payment the claim would be paid in full. Mazda Financial Services redeemed it, ( Documents are attached ). So After this Mazda Financial services sends a letter threatening the signer and cosigner to repossess the vehicle in question which has caused mental anguish, fear, and panic attacks for the signer and cosigner, which is illegal according to 15 USC 1692 ( d ), ( 2 ), 15 USC 1692 c, ( a ). This is only a few violations in short that Mazda Financial Services has done to violate our rights as a consumer with more violations to be addressed in the near future. Also all documents enclosed were also mailed to Mazda Financial services in addition to being attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: V and H Portfolio
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX claims I owe XXXX to XXXX XXXX XXXX, the policy was canceled on XX/XX/XXXX. Prior to this, I spoke with a XXXX in billing, he was explained that a prior payment made by myself was returned and asked if I would have time to make replacement payment before policy cancels. He stated clearly I would have opportunity to make said payment before cancellation occurs, which I did not .... The policy then canceled shortly after on XX/XX/XXXX. Payment was mailed around this time in form of a XXXX XXXX money order, the payment receipt portion was discarded unfortunately. Lately, I've been receiving a number of calls from CCS ( XXXX XXXX XXXX ), reps were advised payment was sent and still attempt to collect on debt and or refer me to XXXX XXXX. I will not make another payment ... If original was lost in the mail, misplaced by XXXX XXXX or intercepted by wrong party then that is not my fault. XXXX XXXX rep did state I could make payment before cancellation, this could have been avoided, had that rep not lied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Ascendium Education Group
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
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 Subject : Request to Remove Student Loans from Consumer Reports Dear Ascendium Education XXXX XXXX and XXXX , I am writing concerning the student loan account XXXX, associated with my name, XXXX XXXX, and my address as provided above. 

Recently, I received a XXXX form which indicates that a portion of my debt was canceled. The IRS has accepted this cancellation, and I have duly paid the necessary tax implications associated with this form. 

Given this, I kindly request that you update your records to reflect this accepted cancellation and subsequently remove the mentioned student loan from my consumer reports. As you might be aware, accurate reporting is essential to ensure that all individuals can benefit from the true reflection of their financial situations. Removing the loan from my report will help me in my future financial endeavors, and I believe it's a fair request considering the debt cancellation has been accepted by the IRS. 

I would appreciate your timely attention to this matter. Please provide written confirmation once the loan has been removed from my consumer reports. If you require any further documentation or details regarding this, please feel free to contact me at XXXX XXXX I have also attached a copy of the XXXXXXXX XXXX XXXX 

Thank you for your understanding and cooperation. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Guild Mortgage Company LLC
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My Mortgage company taped a copy of someone else 's mortgage statement with ALL of their account information to my door. They also taped a copy of MY MORTGAGE STATEMENT AND ALL OF MY ACCOUNT INFORMATION TO SOMEONE ELSE 'S DOOR. 

Guild Mortgage never had my permission to share my information with ANYONE, let alone a complete stranger. I was never authorized to see the complete stranger 's information that was taped to my door in a plain white envelope that said " confidential '' on it. 

This is a clear violation of the fair debt colleciton practices act and I need to know my options for recourse. Along with this issue, they refuse to take my payment via any conventional or normal method, causing me to continue to be late on payments due to their refusal to take any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: MA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-09-13
Company: TRUIST FINANCIAL CORPORATION
State: LA
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:
Several date on credit report have inquires that I didnt not approve

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 2023-01-19
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: Information belongs to someone else

Complaint:
Please see attached complaint which includes my identity verification documents and all other supporting documents.

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 2020-03-13
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice for Proof of Claim Account : DIVERSIFIED CONSULTNTS # XXXX**** To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
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 fair reporting credit act XXXX account # 12345 has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a a account without my written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: NV
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$360.00} ; XXXX XXXX XXXX : {$2700.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX  XXXX Balance : {$4800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX frozen my account. I never got an email for them describing why they froze my account what to do I had to call I was on hold for over an hour and a half I was cut off directly at XXXXXXXX XXXX Central standard time I have several emails going back and forth where I explained to him I difficulties and why I can not produce the ID for them that they need to unfreeze my account I've also told them that they have my direct deposit from my employer I have a W-2 I have my social security but I don't have the ID with a picture on it it's expired and I can't get a new one with covid it's a Long drawn out process this has been since XXXX I don't have anything else I can do but send a complaint here because they don't care about me they don't care that that's the only money I have and they don't care that I'm homeless I've been that way since covid started and I lost my job and my apartment I had a house fire before that and lost everything with documentation so just increasingly made it harder for me to get identification so here I am

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts, nor did I authorize these inquiries to be pulled on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: AZ
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 appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: NV
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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: Information belongs to someone else

Complaint:
Hello, So, I have had a XXXX XXXX bank account now reporting on my credit report for almost 7 YEARS!!! I have tried everything in my power to have this account removed as it is not mine. I don't remember ever having XXXX, and i've been banking with XXXX XXXX  for years. I've tried disputing the account, hiring credit repair agencies and even calling the bureaus and XXXX themselves. i've talked to everyone from a customer service rep to those in corporate. I even email the CEO and his assistant to which that got me a response, but no help. I give XXXX my social, they can't look me up in the system or find me or the account, yet they tell me i am liable and responsible. This account has 5 late payments on my report which have devastated and crushed my credit. I am at my wits end and all i want is this to be removed. I have so many XXXX employee phone numbers, it is sick and i've waisted countless hours. I don't know what else to do. It is not my account, and i'll tell you what. I was considering banking with them and switching, but never would i ever do that now.

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