BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 I was traveling in XXXX, at the XXXX XXXX, and received texts and calls from Wells Fargo ( XXXX ) from XXXX saying my card had been used at XXXX and XXXX in Florida and that XXXX transfers had been made to XXXX XXXX XXXX. 
No personal information was asked of me. They said the call was being recorded, my card would be reissued, my online banking would be inactivated and that I would need to call to get it re-activated and that a claim would be filed with authorities. 
I was told that the XXXX transfers went through, and I could see I received text messages about that, and they would walk me through requesting the funds back. I was told to add myself as a recipient to the XXXX portion of the Wells Fargo app and request the funds back. 
I did this. Obviously very wrong of me to do it without taking a minute to think or check my account or verify the caller. They didnt ask for anything personal from me so I didnt think anything of it. I had had fraud on my account before and it didnt seem any different, except for the XXXX part but since I was adding myself, I didnt think it was an issue at first. 
Then when I got home and saw that the funds went out of my account, at total of {$4000.00}! I realized I had been duped and actually sent money somehow even though I was the one that was added. I dont understand how the fraudsters work but I realized I had let them in somehow. 
I called Wells Fargo, the number being one digit off from the number that called me, and reported the fraud. They denied my claim since I had been a part to it. 
I am looking for some recourse even though I know I dont have much information to go on. I was sick and deleted some of the texts. The first one was from XXXX and said Wells Fargo Bank : Did You Attempt to Use Your Card for {$860.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Today, Reply YES or NO.

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 2018-05-01
Company: Financial Credit Network Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I checked my credit score and come to find out I had a water bill that was paid. I never once received any notice to my residence, nor did I ever receive a phone call. I called The Financial Network asking questions regarding the collection and they were rude. Did explain anything to me and did not want to give me any information. I called once on theXX/XX/XXXXand also theXX/XX/XXXX and they didn't want to help me both times. She was abrupt and only cared how I was going to pay. I explained that I paid in XX/XX/XXXXand she mentioned we would not have it in collections if it was paid. Also, when I spoke to the individual within the company, she asked me if I recieved anything written in the mail and she didn't say anything after I asked her why wasn't I notified and given a chance to dispute the validity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong.

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 2022-04-16
Company: Self Financial Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have tried 2x to transfer money from my XXXX  XXXX to my Credit Card. Each time I have to pay interest and fees. The 1st time they said it went towards interest and fees even though on the portal it had the dollars in savings needed to transfer. So I did a second payment to put me over that threshold so I can transfer to my credit card and verified with supervisors and reps I was told it takes 5 business days. Now it's been two weeks. The company does not tell the interest fees etc up front when we make a paymenynsonwe are paying blindly and we are never shown what these " fees and interest fees '' are. I requested via email that they fix this so consumers know what they are paying up front and assure their payment is enough to transfer fees to their credit card. In the emails I attached the supervisorsl initially said I had. enough I'm my account then sent another email contradicting that saying it wasn't, even thought every rep and supervisor said it was.He said he added XXXX to my credit card for inconvenience to Increase my credit limit, that didn't happen instead it says negative XXXX and the same credit limit that needs to be fixed. this company needs to stop charging expedited fees because the process is far from expedited

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint keeps playing games and has not shown where they applied XXXX partial payments I made to my mortgage last year. 
These amount were XXXX each. 
They received XXXX funds and applied full amounts from XXXX XXXX XXXX of the partial payments. 
When I have asked them to rectify this they claim they took the XXXX partial payment and added them to the XXXX total and then paid out other months. No proof and nothing reflects this. 
XXXX shellpoint agree with state of maryland ot bring loan current. 
They received funds XX/XX/2023 and then attempted to still bill me fully for that month which is not what they agree to state of maryland. 
so there is XXXX give or take that they need to credit me. 
Addtionally they PROMISED the state of maryland XXXX  dept that they would not raise my interest rate and would work on lowering monthly payments. instead they drastically raised my rate a huge amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Hello The XXXX credit card was closed by them they went out of business So why did they close the account? 
Its in good standing. 
Now my credit has taken a toll for it?? 
Please let me know. 
Thank you 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 2018-12-13
Company: FORD MOTOR CREDIT CO.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX claimed I owed one last payment on my lease which was up in XXXX of this year. I had disputed the claim, asking for proof of which payment was missed. I was then sent a letter by XXXX ( Debt collector ) which I received XX/XX/XXXX. I called them XX/XX/XXXX. At which time they asked me to pay the debt, even though I disputed it and requested the proof of owing it. They told me I had to call Ford for that. I did and was put through to their collections. They told me that XXXX was told to suspend collection activities on XX/XX/XXXX due to account review. I called XXXX back and told them what Ford told me. I was told that Ford doesn't make mistakes and she asked me how I wanted to pay off the debt. When I insisted that Ford suspended collection activities the week before she acknowledged it and I was told to call back when Ford adjusts the account. My complaint is that they tried to collect a debt after they were told to suspend activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Self Financial Inc.
State: TN
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:
The Fair Credit Reporting Act, denoted as 15 USC 1681, section 602a, emphasizes the importance of consumer reporting agencies like XXXX and XXXX to act with equity, impartiality, and a regard for a consumer 's right to confidentiality. 

Being the consumer, I assert my right, as recognized by 15 USC 6801, to keep my personal details confidential. This legislation specifies that financial institutions should actively and consistently uphold their clients ' privacy and safeguard their confidential, non-public information.

When referring to entities providing data to credit reporting firms, they're understood as financial institutions by this act 's definition. As stipulated in 15 USC 1681, section 604a section 2, a consumer report can only be provided under specific conditions, including having the explicit written agreement of the concerned consumer. I haven't granted such permission to the financial data provider or the reporting agencies XXXX, XXXX and XXXX. All forms of consent given to these parties, whether explicit, assumed, or otherwise, are now nullified. 

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not share private data with third parties without explaining to the consumer how they can prohibit such sharing. I wasn't apprised of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) states that reporting agencies can not include certain adverse details, with certain exceptions, if they're older than seven years. The agencies are including such details without my authorization, which is a legal violation.

In addition, as per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, institutions shouldn't provide potentially erroneous consumer-related data to reporting agencies. And, 15 U.S. Code 1681e insists that these agencies implement appropriate measures to avert infractions of section 1681c and to restrict their report provisions as detailed in section 1681b. I believe XXXX, XXXX and XXXX aren't adhering to these guidelines. 

Lastly, according to 12 CFR 1016.7, consumers can opt out whenever they choose. Hence, I'm deciding to discontinue your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
State: LA
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:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, all by certified mail requesting that you remove inaccurate information from my file due to IDENTITY THEFT and you have failed to do so. 

I sent in documents to your company several times and I was told that my documentation did not follow your criteria, but when asked the correct criteria or what I was missing, I was told that you were unable to tell me. You also stated that the creditor validated that the accounts were valid. 

Accordingly, I can show a judge that your agency is in violation of several laws, XXXX being 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not. As the original creditor, only I can validate this debt, no one else can state they have proof this debt is valid. I do not validate this debt and it is a result of identity theft. 

Therefore, the following accounts must be deleted from my report. that I was a victim of Identity theft and that you violated the Fair Credit Reporting Act by ignoring my requests to block/delete this information My previous letters all sent by certified mail stated my reasons and these reasons were not frivolous in any way. I filed a police report, a FTC report and contacted the CFPB to no avail. 

If this final request does not prompt you to delete the below accounts in question, I will file a civil suit in my county for damages and you can travel to defend yourself.

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 2022-12-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I found a collection on my credit report and it is not mine. It doesn't even let me know who to contact. I contacted the credit bureau who is reporting this to let them know that I don't recognize what this is. They are supposed to respond me in 30 days and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2023 I contacted Chase regarding my Freedom card. I informed them of list of job and requested assistance in late payment removals to assist with paying card down as I started receiving checks. A previous email and account notification STATED I had to make a payment before XX/XX/2023 to AVOID account closure. I made a payment of {$260.00} which was the PAST DUE amount on the card. Today as I logged in I see that my account has been closed! Chase falsely closed my account after stating that I had until XX/XX/2023 to AVOID account closure. EVEN after stating I lost my job as the reason in being behind and was willing to pay to avoid account closure as I just got my check!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: General Motors Financial Company, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Company has wrong dates and payment amounts for lease payments, company changed monthly payments Without consent, company has wrong information for address refuses to change or update information. Illegal reporting and contacting of me and others regarding lease

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I use the Experian Credit monitoring tool to keep track of my Experian credit report as I have been trying to fix my credit. Yesterday I applied for credit with a company who uses experience as well and the credit report and score pulled by the company did not match the score in my Experian app. I was denied for credit and told that my score was 100 points lower than the score that is populated in the credit monitoring app how is this possible? What is the point of offering a tool to help consumers keep track of their credit score and report if the information displayed within the app is incorrect by more than 100 points I feel as though I am being victimized by the credit consumer agencies as Ive done everything possible to try to get my score high and they keep bringing me down to a lower score what else can I do to improve my credit? Why do you the CFPB allow these companies to take advantage of people with a lower credit score how are they monitored? Every time II have submitted a complaint you guys do nothing so I will keep filing complaints until I get a real answer

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 2022-12-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was told on my statement in bold red letters to pay {$270.00} to avoid interest payment on my promotional account. I paid {$270.00} by the due date. I was then charged interest because I was told I didn't pay {$270.00} plus the minimum payment towards the card. But statement in red letters didn't say to pay {$270.00} plus the minimum payment to avoid interest. It just stated to pay the {$270.00} to avoid interest. They are unwilling to remove the charge. After XX/XX/XXXX the account will be paid in full, except for their fraudulent interest charge of {$120.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-16
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX. 2021, and XX/XX/2021 I filed a Federal trade Commission Identity thief report along with a XXXX XXXX XXXX Police Report for Identity thief. 

I then disputed several account on my credit report with the following bureaus EXPERIAN, XXXX, AND XXXX... In accordance with the fair credit reporting act. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights... 

In accordance with the fair credit reporting act section 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 2 : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN LATE FOR ANY REASON

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 2018-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a " XXXX Card '' over a decade ago. The account has been closed and inactive for over 10 years. There was no valid card issued in that time. There have been no statements received in that time until 2 months ago. Two months ago I received a statement through the postal mail from " Capital One XXXX Card. '' It showed a balance from charges made in another country. As far as I can recall I have never had a Capital One card but I recognized the " XXXX Card '' so I called to report the fraud. The individuals were less than helpful as they took my information and used it to setup another account and then transferred the balance to that account. No one could explain how an account that had been closed for over a decade and did not have a valid card attached could accumulate a charge. Instead they continued to ask for more information from me which is apparently being used to setup accounts. After I reported the fraud they sent another invoice with a new account number which still shows a balance and now has accumulated fees and interest. I have once again called. This time I was told they closed the account on XX/XX/18 but there is a balance still owed. They can see there was no card issued to the account but they claim the account was " inactive '' for a decade but not closed. Even though there was no card issued and no statements being sent they are claiming they left the account open for a decade. Even though there was no valid card issued to the account, no expiration date, no cvv code, somehow they are claiming that a charge was still made to a closed account and they continue to send me bills with accumulated late fees and interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: EdFinancial Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I took out two parent student loans for my son, one in XXXX and XXXX. I was awarded total XXXX in XXXX of XXXX. I was very grateful that I got a letter stating my loans would be forgiven. Ed Financial sent my loans to DEPT OF EDXXXX and they were both closed as of XX/XX/XXXX. XXXX XXXX XXXX continues to show that I still owe the loan from XXXX it was {$19000.00} and it is around {$22000.00}. On my {$10000.00} is not on there. It shows closed from DEPT OF EDXXXX. I have talked to Ed Financial multiple times and they said they dont report, I have Disputed on XXXX multiple times because they had both loans and have token off the {$22000.00} but have put it back on 3 separate times. I have talked to supervisors and all the credit companies and they have said they are reporting it to be accurate but Ed Financial says they say it shows that it is closed and forgiven. Is there anything you can do to help me. I am desperate

Company response to consumer: Closed with explanation