BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint.I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.

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 2018-09-05
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen and I have a bunch of accounts in collections. My credit score is  crushed! 

Americollect collections - XX/XX/XXXX - {$220.00} Americollect collections - XX/XX/XXXX - {$280.00} Americollect collections - XX/XX/XXXX - {$280.00} Americollect collections - XX/XX/XXXX - {$150.00} Americollect collections - XX/XX/XXXX - {$220.00} Americollect collections - XX/XX/XXXX - {$220.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: NC
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 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you 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 2021-06-24
Company: EQUIFAX, INC.
State: TN
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/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have two saving accounts with TD Bank and Checking Account and on XX/XX/2018 TD bank charge with {$5.00} fee is this legal with all the account with TD Banks this equal more then {$300.00} is this to charge me this fee Please investigate this bank fee and explain in write why I was charge {$5.00} with three accounts and the total balance is over {$300.00} and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XXXX XXXX, 2020 an account was opened and I was approved for a line of credit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that XXXX XXXX violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer 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 2021-04-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing about a significant security vulnerability in Wells Fargo 's Mobile Deposit App procedure. After a deposit is completed, I am sent an email confirmation that includes an image of the check that I deposited. The only part of the check that is blanked out is the checking account number on the bottom of the check. 

These emails are not secure. Anyone that hacks into your email account or captures these unencrypted emails on the internet will see names, addresses, images of signatures, potential business account numbers, and the company name or person sending the check. Including check images in emails is a potential major breach of privacy for anyone who sends a check to a Wells Fargo customer that then deposits the check via their mobile app. Other banks confirm mobile deposits by simply including the time, deposit amount, and check number. This approach is much safer and contains enough information for the user to identify the deposit. If more verification is needed, the user can securely log in to their account to see the image. 

I would expect that a major financial institution like Wells Fargo would think about the potential security exposures they are creating when developing new applications. I expect financial institutions to seriously guard my information, including the businesses and individuals I transact with and the nature of those transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: Experian Information Solutions Inc.
State: MO
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:
Company was notified with notarized documents pertaining to the information that is was incorrect and to be removed under 15 usc 1692b ( 3 ) The term creditor is defined under 15 usc 1692a as any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

Defamation is defined under 28 U.S. Code 4101 ( 1 ) : The term defamation means any action or other proceeding for defamation, libel, slander, or similar claim alleging that forms of speech are false, have caused damage to reputation or emotional distress, have presented any person in a false light, or have resulted in criticism, dishonor, or condemnation of any person.

15 U.S. Code 1692d ( 1 ) : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

XXXX XXXX received an affidavit and is in default of charges as they have failed to rebut the affidavit line by line as required by law. 


The third maxim of Commercial Law states in commerce, truth is sovereign.

The fourth maxim of Commercial Law states truth is expressed in the form of an affidavit The fifth maxim of Commercial Law states that an unrebutted affidavit stands as truth The sixth maxim of Commercial Law states that an unrebutted affidavit becomes judgment in commerce. The tenth maxim of Commercial Law states that a lien or claim can be satisfied only through ( a ) rebuttal by
counteraffidavit point by point ; ( b ) resolution by a jury; or ( c ) payment or performance of the claim.

Chase bank has failed to meet the requirements to a legal claim of a debt owed as well as to rebut the affidavit.

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: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX, XXXX is fraudulent on my credit Account # 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 2021-08-05
Company: EQUIFAX, INC.
State: NV
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 am requesting the removal of inaccurate credit information from my XXXX  and Equifax credit bureau. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I have reached out to both before and get the generic answer that they are looking into it or unable to find that I have a Equifax Credit bureau. 

I reviewed a copy of my credit profile for both credit bureaus and confirm that there are inaccurate inquiries that are reporting on the credit bureau. I have never consented for my credit to be pulled and need for you as the reporting company to provide me with proof I consented to having my credit accessed. IF you are not able to provide me with that proof I need these removed immediately from my Equifax and XXXX XXXX XXXX profile. 

XXXX  : Factual Data Inquiry from XX/XX/XXXX Equifax XXXX Inquiry from XX/XX/XXXX Factual Data Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Datafacts Inquiry from XX/XX/XXXX Partners Cre Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Partners Cre Inquiry from XX/XX/XXXX Equifax : Factual Data Inquiry from XX/XX/XXXX Equifax Mortgage Ser Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Factual Data Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Factual Data Inquiry from XX/XX/XXXX Factual Data Inquiry from XX/XX/XXXX Equifax Mortgage Ser Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will investigate these inquires with the creditors who have posted them. Please remove any information that the creditor can not verify. I understand that under the 15. U.S.C Sec 168i ( a ) you must complete the investigation within 30 days of receipt of this letter and provide me with the requested information.

I am also asking for you to remove all fraud alerts that you have on my XXXX  and Equifax. I have never authorized or gave permission for these alerts to be placed and want them removed immediately. 

I have attached my drivers license for you not to send me a letter lying and telling me you are not able to verify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: TRANSWORLD SYSTEMS INC
State: CT
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:
XXXX XXXX XXXX, previously XXXX XXXX, is the loan servicer for a PLUS loan I incurred while attending XXXX XXXX. Since XXXX, I have been timely making monthly payments on my loan via XXXXXXXX XXXX online website with no prior issues. On the evening of XX/XX/XXXX, I accessed XXXXXXXX XXXX website to log in and make my monthly payment. Upon entering my information and attempting to log in, I received a message that the " service was temporarily unavailable '' and to " try again later. '' I tried to access my account again on XX/XX/XXXX and XX/XX/XXXX and received the same message. At that point, I called XXXXXXXX XXXX  customer service phone line, only to encounter an electronic interface that would not recognize my account number or SSN. Despite best efforts, I could not get in touch with a representative of the company. I also attempted to use XXXXXXXX XXXX online email function to report my issue, but was met with the same problem, namely that it would not transmit my email. A quick Internet search revealed that many other customers are experiencing the same exact problem with XXXX. As such, I can not make my payment on my student loan -- which can only result in negative impacts to my credit score, late fees, etc. And evidently the company can not be contacted to resolve this issue on its end. In addition to this complaint, I have filed a complaint with the Connecticut Attorney General 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made a XXXX transfer for {$2300.00} from my bank of America checking account which in error was sent to the wrong account. Once I was aware of the error I contacted Bank Of America online services regarding the error. I was told the process could not be stop at that time but once the transaction was complete they would be able to retrieve my money back. The next morning I went into a BANK OF AMERICA Branch I spoke with a bank representative regarding this matter and was told that there was nothing he could but file a claim. I told him I has filed one already so he check the status and said it was still processing and once it was complete they could retrieve my funds. After a few days when my money was not place back into my account I called a online representative and then I was told that they was not able to make contact with the account holder in which the fund was place their was nothing else that they could do because it was a third party transaction and that I would have to contact the account holder. I do know the person who account the FUNDS was deposit and BANK OF AMERICA refuse to provide me with that information. BANK OF AMERICA states it has no responsibilities or liabilities to protect its customer from fraudulent XXXX transaction and XXXX in error transfer because XXXX is a third party. XXXX is a U.S. based payments network owned by XXXX XXXX XXXX. A private financial services company owned by the banks. In which BANK OF AMERICA is one of the owners. My money transfer was not a third party transfer XXXX is part of BANK OF AMERICA.

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 2017-03-22
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
A XXXX XXXX keeps calling me from XXXX and calling me a loser when all I am doing is trying to get their address to give to my attorney. I keep getting hung up on and called names when I am just trying to get their address and company name. It 's for a Cashcall loan that is n't even on my credit report anymore

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I took out a loan from Speedy Cash for {$1100.00} ; due to be paid off on XX/XX/XXXX or pay a fee of {$640.00} every two weeks. On that same day I asked the representative assisting me how much would I have to pay if I wanted to pay the loan off in full on XX/XX/XXXX. She stated I would have to pay {$1100.00}. On XX/XX/XXXX I called Speedy Cash prepared to pay off my loan. I was given a higher amount of {$1800.00}. I told the representative I had been given an amount of {$1100.00} to pay and the higher amount would only apply if I paid after XX/XX/XXXX. She then said I had been misinformed and that the {$1100.00} amount would have only applied if I had paid the loan off on the same day I took the loan out. At this point I realized this was an obvious attempt to prevent me from paying the loan off. Because why would I take out a loan only to come back the same day and pay it off hours later? I was deliberately 'misinformed ' in a effort to make it impossible for me to pay the loan off. These are highly unethical and shady business practices. Speedy Cash has now turned my account over to a AD ASTRA, a collection agency with a balance of {$2400.00}, over half the amount I originally borrowed. I've contacted AD Astra and made a payment arrangement of XXXX XXXX/mo and have been paying this amount consistently since XXXX of this year. I have limited income because of the pandemic. This is an economic hardship on me and my family as I have had a drastic reduction in income. 

I recently filed a complaint with the XXXX XXXX XXXX and provided proof of the representatives annotations of the {$1100.00} amount that was due on XX/XX/XXXX. They refuse to address my complaint and only refer me to the collection agency. Speedy Cash has stated that they refuse to reduce the balance owed to the amount their representatives promised which is {$1100.00} minus payments already made. They have also told the XXXX  that the reason I am not allowed to pay the lesser amount is because I didn't have it paid by XX/XX/XXXX. 

But I was never offered a chance to pay the {$1100.00} on, during, or leading up to XXXX of this year so this was a blatant lie. Speedy cash made a deliberate effort to prevent me from paying off my loan by promising me I could pay off my loan on XX/XX/XXXX and avoid paying the {$640.00} fee as long as it was paid by that date. Then when I attempted to pay the loan off on XX/XX/XXXX I was told I would have to pay {$1800.00}, an amount I made clear to the representative the day I took out the loan, I could not afford. These are very deceptive and fraudulent businesses practice on Speedy Cash 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: WELLS FARGO & COMPANY
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
72-month used-car purchase loan for me ( a senior citizen ) from Wells Fargo and 72 payments made on the loan. 2 payments deferred until the end of loan as allowed by Wells Fargo. An insufficient disclosure was given to me stating that the deferments would require that more than 72 payments be made on the loan given how 2 months of interest payments would be deducted from each months payment subsequent to the deferment before reducing the principal balance. XX/XX/2018, statement received with a due date mentioned of XX/XX/2018. I was advised on XX/XX/2018, via letter that the remaining balance was due on XX/XX/2018. There was no " 10-day '' notice provided. Statements for XX/XX/18 reflect late charge may apply after XX/XX/18 and also indicate payment due XX/XX/18, statements for XXXX and XXXX reflect a similar pattern. I contacted Wells Fargo numerous times saying balance appears inaccurate. I contacted Wells Fargo on XX/XX/2018, and entered into an oral payment arrangement with Wells Fargo and made subsequent payment the next day in the amount of {$200.00} which they posted on XX/XX/XXXX. I was contacted subsequently by Wells Fargo who informed me that my account was in charge-off status. The accounting that Wells Fargo has provided to me does not agree with the balance as indicated on my statements or credit file ( charge-off ). Wells Fargo by placing me in " charge-off '' status has cut-off my access to my online Wells Fargo loan account so that I am no longer able to do any research into the balance on my own. Even the accounting that they provided to me ( please see attached ) when I questioned the balance yet again does not reflect the amounts they are reporting to the credit bureaus {$1000.00}. Also, the last due date reflected on their accounting was XX/XX/XXXX, so how could I be late on payments? They need to provide new due dates. Please see attached. I have asked to speak with the complaint department and was transferred to a telephone line where no one picked up and there was no way to leave a message. I tried online via the Wells Fargo website to locate a complaint address ( physical or email ) and was unable to do so.

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 2016-09-29
Company: Optimum Outcomes, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
Optimum Outcomes, a collection company in North Carolina, has twice made false statements in an effort to intimidate and harass. First, it indicated it would seek a judgment in this matter, while at the same time offering to settle. Second, it alleged I did not submit my request for verification within the 30 day window. That is not true.

Company response to consumer: Closed with explanation