BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo banking company has acted in a number of predatory ways towards myself and other customers. I am a former employee who on day of employment was used as a number for bonuses. So three accounts were open, a checking, savings, and credit account. Even though I had a credit score of over 700 a 24 % interest rate was given to me on said card, since then I have closed that account. This is not my main complaint but am using this to establish a pattern of predatory behavior and self-serving practices. My current complaint is the amount of overdraft fees charged and the practices being done. I have overdraft protection turned OFF and am still having money taken out of my account and then charged {$35.00} every time anything comes in, instead of these payments being denied. They are not payments being made by me but payments set an " auto '' that are annual charges that at the time had money for but because simple transactions take so long to post resulted in a number of mishaps. I am negative {$60.00} in actual money from auto payments, in the last 3 days Wells Fargo has tried to charge me over {$140.00} extra in the negative even though my overdraft protection is turned OFF and all overdraft charges should be DENIED.

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 2016-11-17
Company: GMFS, LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
GMFS contacted me by phone offering a forbearance as a " courtesy '' on XXXX/XXXX/16 They gave false information about the terms of the forbearance. 

They stated that a 3 month forbearance would be made up at the end of the 30 year loan. that the loan would change from 30 year duration, to 30 years and 3 months. 

They also stated that my credit score would not be affected, there would be no delinquency issues, including late fees or interest fees. 
When the 3 month period was almost over, I contacted them and they stated that the previous information given on XXXX/XXXX/16 was not true, and that all 3 monthly payments were now due at one time, on top of my XXXX payment. These practices are unethical, untruthful, and disgraceful and the company should be held accountable by offering restoration and reversing the damage that they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: Global Trust Management LLC
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This letter was sent to XXXX XXXX XXXX of XX/XX/2017. 

XX/XX/2017 Dear XXXX XXXX  XXXX, It has come to my attention that payday lenders must be licensed by the state of Michigan to offer loans to it residents and your interest rate should be capped. Since your company has no license in my state, and you have illegally charged me with a high interest rate, the loan contract I have with you is believed to be not valid. Although I was not legally required to do so, I have repaid the principal balance of the loan. I received a deposit of {$600.00} on XX/XX/2017 and have had 5 bi-weekly withdrawals of {$120.00} debited from my account. This results in payments totaling {$630.00}, therefore I will be making no further payments. 

I am also revoking authorization for any wage assignment I may have signed. Any future attempts to collect funds in the manner will be blocked. Please respond to this email with acknowledgement that my account has been satisfied in full via email. All future attempts to contact me should be by email only at XXXX. Please discontinue to call me at home and or at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The home I lived in during this period belonged to a roommate. I had no utilities in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I originally opened my personal loan with XXXX in XX/XX/XXXX and my payment scheduled followed my bi-weekly check with a payment amount of {$230.00}. In XXXX of XXXX I contacted XXXX and submitted documents to show my change of employment and the change in payment scheduled. My new payment scheduled went from bi-weekly to bi-monthly and my pay dates were the XXXX and XXXX of each month. XXXX  was submitted a copy of my new employer paystubs and approved my new payment scheduled which began on XX/XX/XXXX. Since the change in my payment schedules which by approved by XXXX  my account has been drafted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. On XX/XX/XXXX XXXX withdrew a payment in the amount of XXXX which is twice the amount of my normal scheduled payment. This payment is not in accordance with my payment schedule. I went online and reviewed my loan contract and my payment schedule which stated that the amount payment amount to be drafted from my account on XX/XX/XXXX was to be XXXX. XXXX has refused to refund the overpayment and has stated that once payment is made it can not be refunded. I was required to contact my bank and have all transaction from XXXX blocked because they are making unauthorized transactions from my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Integrity Funding Ohio, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today XX/XX/2018 XXXX a debt collector called me repeatedly 18 times in a row. XXXX never leaving voice mails just constant calling while Im at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
On XX/XX/XXXX I submitted CFPB complaint # XXXX XXXX see attached ) against TransUnion for knowingly reporting inaccurate and false information and for refusing to forward my complaints to lenders. Included in this complaint was XXXX Loan # XXXX with the US DEPARTMENT OF EDUCATION being serviced by XXXX XXXX XXXX  services. This loan defaulted on XX/XX/XXXX and was placed on my credit report as a delinquent account with a status of 120 past due. 

On XX/XX/XXXX I completed loan rehabilitation with the XXXX XXXX XXXX on behalf of the US DEPARTMENT OF EDUCATION ( see attached ) and my loan was subsequently transferred back XXXX XXXX XXXX  services on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX services reported my loans as being paid as agreed with a payment of {$750.00} being made on XX/XX/XXXX ( see attached ). 

Attached is my TransUnion credit report XX/XX/XXXX ( see attached ) where XXXX Loan # XXXX is listed on page 2 of the report as 120 days past due with a {$0.00} balance and updated on XX/XX/XXXX. On page 7 of this same report you can see the updated information from XXXX XXXX XXXX services that my loans are current and paid as agreed with a status date of XX/XX/XXXX. 

On XX/XX/XXXX I submitted a dispute to TransUnion with supporting documentation of the improved status of my loans. On XX/XX/XXXX TransUnion published the results of this dispute claiming that my loan is delinquent and 120 days past and the information was verified as accurate and updated on XX/XX/XXXX ( see attached ) and which is in clear conflict with supporting documentation provided to TransUnion. 

I have provided several pieces of supporting documentation, repeatedly, to TransUnion notifying them that false information was being reported in violation of FCRA and requesting that the payment status be corrected to reflect that the loan is no longer 120 days past due. Subsequently this false information has repeatedly been verified as accurate even after TransUnion received electronic documentation on XX/XX/XXXX that my loans are being paid as agreed directly from XXXX XXXX XXXX services as is clearly reflected on the same report claiming the loan is delinquent. 

In the face of so many clear discrepancies and inaccuracies being reported by TransUnion, the conclusion has to be that their actions are willful and deliberate in continuing to knowingly report false information on my credit report in direct violation of the rights afforded to me under the FCRA even while my original CFPB complaint # XXXX for the same FCRA violations remains unresolved.

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 2018-08-03
Company: CITIBANK, N.A.
State: NY
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:
Opened an account with the first year annual fee waived. 

During that year, I canceled the account. 

No bills of any kind were ever received, either by mail or email. 

About a year and a half after the opening of the account, I received in the mail a notice that my email address was not functioning. 

I then went online and discovered that I had incurred an annual fee and that my card was still active. 

When I called to close my account, the representative kept me on the phone for 30 minutes trying to get me to keep it open. Multiple attempts to ask her to confirm that the account had been closed were responded to with sales-oriented questions such as " what is it that you like about your other cards '' ... as well as retention offers of statement credit if I kept the account online and spent a certain amount. I then told her I would hang up if she would not stop with those questions. She continued with those questions and refused to confirm that my account was closed. I hung up. 

I called the number once more, spoke to someone else, refusing to answer any questions ... and was told my account was closed. 

I currently do not know the status of the outstanding balance.

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 2018-06-28
Company: ID Analytics, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX , XXXX consumer reporting extemely low for no good reason. 

I ALWAYS pay my bills on time, have extensive credit, low utilization, and have never been denied credit for anything!!! 

I recently applied for a line of credit at XXXX 's store online, and after being initially denied, was sent a letter ( explaining my denial ). The company that provided the information was called XXXX , XXXX. I'm sorry but I have never even heard of this agency. They gave me a credit score of XXXX. This is unbelievable to me as my scores have been in the 7-800 range for many years ( with all three major agencies ). 
Needless to say i nearly had a heart attack when I saw my score from XXXX was XXXX. Initially I called XXXX 's to ask which credit agency gave me the score, and was informed it was XXXX. I tried to reach out to XXXX, but was transferred to generic voicemail every time. It looks like they don't even have a way to obtain my report online, and want me to fax, or mail my full information including my social security number to them just to get a copy of my " so called '' report. TERRIBLE! 

The 4 reasons listed on the XXXX 's denial letter were all based on XXXX report, and appear in this order : 1. Not enough debt experience. ( I am XXXX years old and have had debt experience since my teens, own a business and am a very responsible person. 
( So reason # 1 is BOGUS ) 2. Number of inquiries in last 4 months. ( Again, I run a business and my name is used to back our credit lines, as well as our personal lines of credit. So obviously It's being used all the time and does not effect my other credit scores, as it rightfully shouldn't! ( So reason # 2 is BOGUS ) 3. Limited Credit History ( SEE # 1 -- Reason # 3 is BOGUS, and isn't this basically the same as # 1? ) 4. Previous inquiries adversely impacted score. ( SEE # 2 -- Reason # 4 is BOGUS,  and isn't this basically same thing as # 2? ) This to me is unacceptable, and seems to be a dereliction of duty on their part! Do they look at total credit lines, utilization, what you do for a living, what the credit inquiries even are? I think not! Something should be done to get these people in check! They need to be responsible, and not able to make people look like fools. They also need to make information accessible without the need for hard copies of critical information which can be stolen and really used to destroy someone's credit. 

Shame on you XXXX! 

Please do something to make these people accountable!

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 2017-12-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX in which you have so where did XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX come from mor information place on my credit file that 's wrong. 

I 'm filing a FTC issue on XXXX on the same thing over and over incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I want to see if I could negotiate my debt. I have an account from Speedy Cash that was originally for {$2000.00}. Now I am in collections for {$4900.00}. I want to see if I can negotiate to settle this debt. Any information?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Experian Information Solutions Inc.
State: NC
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:
As of 2013 i have been a victim of identity theft there are multiple items on all my credit reports I never knew and never opened only credit I opened up was a XXXX  XXXX bank account anything else I don't have any knowledge of ... I also got a police report..

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 2020-11-13
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I just tried to submit a dispute with Experian credit reporting agency. After filling out all the information they would not accept my dispute. I tried to dispute an account .... XXXX XXXX XXXX XXXX ... that is reporting as delinquent. I purchased something from this company back in XXXX of XXXX I used a gift card they had sent me there was nothing charged to my card. However I received an alert that this account was being reply as delinquent I called customer service today to find out what is going on. I was told yes the gift card covered my purchase and there was a {$8.00} balance showing on my account that accumulated late fees which brought my balance up to {$40.00}. The representative didnt no why I was charged this as well but I was advised pay {$12.00} and she will waive the late fees. I didnt understand why I even had to pay the {$12.00} to begin with but I paid it anyway. Now on my Experian report its showing as delinquent. This is not right as it caused my score to drop and they wont let me dispute it.

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 2020-10-13
Company: DISCOVER BANK
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A judgement for Discover Bank was mail to me on XX/XX/2019. I never knew that I had a judgement against me until this date of XX/XX/2019. I stated that I had never gotten served papers for this judgement. The organization XXXX XXXX XXXX XXXX claim that they serve me papers. The Affidavit of Services paper that was sent to me. Is not the descriptions of me or anyone in my family. I have attach my drivers license to show proof that they didnt serve me papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX, XXXX XXXX bank is showing up on my credit report as a closed account that i am currently failing to pay, as if i still owe them a balance. They said that i was late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is impossible because they sold this account to lvnv funding back in XXXX and I paid the account off in XXXX. Therefore, it's impossible for any NEW lates to be reporting during time periods that fall AFTER they sold the account. They can only report any lates that i had BEFORE they sold the account and those are the only lates that are supposed to be on my credit report for 7 years Now my credit score has dropped significantly because it's appearing on my credit as NEW NEGATIVE information. I contacted XXXX, they were unwilling to help and said that it is out of their control. I sent them evidence and they still refuse to fix it and they pointed the finger at XXXX  XXXX. I called XXXX  XXXX and XXXX XXXX is saying they can't do anything to the account because it was sold to someone else. I told them, why can't they tell XXXX that because that alone is proof that i can't have any new lates in XXXX, XXXX or XXXX because they didn't own the account. They can only report on my credit what happened on the account during the time period that they owned the account and that stays on my credit for 7 years. They don't own the account, they can't report FTP ( failed to pay ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently opened up a Capital One secured credit card to start rebuilding my credit. Slowly, after a couple of months, my credit went up enough to get a second card, which was unsecured Capital One Quicksilver. I had payments automatically debited from my checking account each month. In XX/XX/XXXX if XX/XX/XXXX, I wondered why my payment hadnt went through and I called and they told me that my automatic withdrawal checking account had been closed and that terminated my card. Not only did they terminate that card, they also terminated my other Capital One card as well. It wasnt even associated with this issue. The main problem in all of this is that my checking account was not/ and still is not closed. It remains active and has up until now. My Bank told me that they will give me a letter stating that my account was active and no payment was ever initiated via Capital One but Capital one was uninterested in hearing this and they told me there was nothing they could do but they were cancelling my cards all together. That was what I had intended on using to pay for XXXX so it really messed me up. This is unfair as it also hurt my credit score when they closed these accounts. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: JPMORGAN CHASE & CO.
State: MA
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 was shocked when I reviewed my credit report and found late payment on XXXX, XXXX, XX/XX/XXXX - XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation