BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-17
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I recently opened an Opportunity Checking account with Wells Fargo on XX/XX/XXXX. In all my paper work with Wells Fargo, I never received my account number or routing number. I had to log on to my online banking to find my account number. I was not able to find the routing number. So I went to their website for information on how to find my routing number. They have an entire page dedicated specifically to help customers find their routing number. I followed the prompts accordingly on the website ( which I have attached to this complaint ) and was given an incorrect routing number. I set up my payroll direct deposit to go into this account with the routing number that was given to by Wells Fargo. When I realized that my funds were not in my account, I contacted Wells Fargo on XX/XX/XXXX and they repeatedly told me to contact my employer. I then contacted my employer which is also a bank and they were able to see that there were no issues on their end in sending the ACH or direct deposit. I then called Wells Fargo back and spoke to XXXX who was very rude and she told me I used the incorrect routing number, even though the routing number that I used was an active routing number used by Wells Fargo. I asked if there was any way that those funds could be re-routed to my account since I am in need of those funds as soon as possible. She was very rude and I feel as though she did not understand my question or concern. I then asked to speak with her supervisor XXXX. He was also very rude but he gave me the impression that the funds could be re-routed but stated " he was not going to waste his time in researching that ''. Being that I work at a bank, I know that may be an option for other banks to do that. However because he did not want to research it and find out if that was even possible, I now have to wait up to a week or longer to have access to my funds. I believe that I was very mislead with how to know what my routing number is and at that expense I have to wait longer than reasonable in order to receive my funds. I have bills and responsibilities just like everyone else but I believe that Wells Fargo played a major role in why I did not receive my funds in time.

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 2022-03-30
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received two credit cards that I did not apply for. XXXX 's and XXXX. I called both companies and they closed both of them I just need to report this fraud cause I don't know what information was compromise

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
Company: The Bureaus, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old XXXX XXXX account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as Bureaus Investment Group No. 15. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as The Bureaus. I hereby post all XXXX XXXX accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance XXXX, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XXXX XXXX XXXX and Bureaus Investment Group No. 15 ), account ending in XXXX paid in full, XXXX balance closed by consumer, account ending in XXXX, paid in full, XXXX balance. This accounting proves that I only had one unpaid account with XXXX XXXX. Yet I believe that The Bureaus obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from XXXX XXXX. It is difficult to believe that a publicly traded company such as XXXX XXXX would be XXXX enough to sell the same debt twice. Accordingly, I claim identity theft by The Bureaus from either XXXX XXXX XXXX or from XXXX XXXX directly. I paid my XXXX XXXX account directly with XXXX XXXX XXXX. My disputes with The Bureaus went nowhere, where this fraudulent company stated to the bureaus that the XXXX XXXX debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, XXXX, XXXX and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from The Bureaus, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously filed a complaint with XXXX  thru this agency on these two accounts were said to have been deleted. I am attaching a copy of the response from XXXX  dated XX/XX/XXXX and the current copy of my XXXX XXXX report. As you can see they are still showing on my file. Also I am disputing the {$61.00} new collections from MIDWEST RECOVERY SYS on behalf of XXXX XXXX XXXX. I dont see doctors in XXXX. This is also the same city that someone had water turned on in my name. I had previously sent XXXX  the copy of the fraud report I filed in XXXX when I first discovered this. 
I want these accounts off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Im reviewing my credit card statements for the past three months. My overall balance is decreasing, but the interest charges are going up every month. For XX/XX/XXXX the balance is {$300.00} higher than the XX/XX/XXXX statement, but the interest charges for XX/XX/XXXX are {$5.00} more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Im not even sure what account they are referring to because I have expressed to them that the lease company XXXX failed to pick up their product after I called them and informed them that I am no longer wanting the product. They proceeded to make a deal with the guy that still lived there and after that I am unsure of what happened, I was not contacted by them at all until the account was sold to ERC apparently. I am not fond that they are now calling my employer asking for me and informing the person answering the phone that they are indeed a debt collector. It is embarrassing and it creates a bad image on my behalf with my employer. Im not even sure how they found out where I work at because I never gave them that information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been violated by Discover on XX/XX/2020. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, 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:
In accordance with fair credit reporting act XXXX XXXX XXXXXXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Sent several Disputes predating XX/XX/2018. Most recent Credit Report XX/XX/2018 purports information verified and investigated. It has not been investigated nor verified. See Date updated section on credit entries. I contacted original creditors several times and verifications not met ; Original creditors unable to produce original signed documents. 

CRA must also update information provided. 

Other credit reporting reporting agency deleted entry because account unverifiable.

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 2020-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello! 

There was a fraud on my debit card 3 times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, {$700.00} each time, which equals up to {$2100.00} in money that was stolen from me and that I haven't received back. I made a claim with my bank ( Wells Fargo ) and they denied it. They stated and sent documentation on why they denied me and they stated : The transactions were made using your card and Personal Identification Number ( PIN ), we found to was made by you or someone who had your permission, please consider your claim closed '' I have never lost my card, never my phone, never given anyone any bank information, so I don't understand how that's possible. I've just filed a police report as well in order to prove that I'm the real victim who's a XXXX XXXX  and desperately need my money back.

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 2021-11-08
Company: RS Clark and Associates, Inc.
State: MS
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 have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like these inaccurate information to be REMOVED. 

XXXX Account Number : XXXX 01 XXXX XXXX Account Number : XXXX I would also like this inaccurate information to be UPDATED TO POSITIVE : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: JPMORGAN CHASE & CO.
State: PA
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:
Card member services call to offer me a lower rate. I have no card with them, and they can not identify me. Starting last year I have asked to be removed. They started using other phone numbers to call from. They have been using XXXX. Any attempt to talk to them they hang up. I have spoken to the women that has this number and she has given no permission for anyone to use her number. She said she was calling her phone company to register a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
Company: General Motors Financial Company, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
Normally a consumer is elated after buying a new car. However, those feelings quickly disappear when you learn that XXXX XXXX of XXXX, VA has engaged in deceptive practices, dishonest treatment of a consumer and simply refused to equitably correct the situation. DO NOT BUY A CAR FROM XXXX XXXX OF XXXX! This dishonest issue are as follows : False and misleading advertising posted internet sales price substantially below the MSRP. However, the sales people disregard the posted internet sales price and negotiate a price well above the advertised price. 
Not honoring the agreed upon trade-in value. Adjustments to terms of contract result in trade-in value received which is 31 & less than the agreed upon trade -in value. 
Exorbitant and egregious financing rates an exemplary customer with a XXXX FICO awarded with a 7.24 % interest rate, market interest rates are the low 4 % range. 
Financing Manager quote let the buyer beware Upon bringing these concerns to Dealership Manager, he attempted to correct the paperwork by raising the sales price of the vehicle. 
Dealership refused my written and verbal request to terminate the contract. 
Car purchased on XX/XX/2019, compliant filed XX/XX/2019, personally visited dealership on XX/XX/2019 to discuss resolution. 
NOT BUY A CAR FROM XXXX XXXX OF XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Capital One and XXXX XXXX has a hard inquiry on my credit report and I have nothing at all to do with either company. No credit card, no loan, never had any business with either company. Where did this come from and why is it on my credit report?? I want it removed from my credit and an answer of how it got on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Lendmark Financial Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On Saturday XX/XX/XXXX I applied for a car loan via telephone from the dealership through lendmark financial. The loan agent at lendmark told myself and the dealer that I was preapproved for a loan at 24 %. I took possession of the vehicle, completed the necessary dealership paperwork and made arrangements to go to landmarks office on Monday XX/XX/XXXX. When I arrived at lendmark, they informed me that the loan was now a signature loan and was 32.499 % and there was nothing I could do since I had already taken possession of the vehicle. So I executed the loan paperwork. I have made all payments on time and well in excess of minimum due. On Tuesday XX/XX/XXXX, I received a call from lendmark telling me that since I had been making my payments and was ahead, I qualified to refinance my loan. They asked me if I would like a " cash out '' or lower payment. I responded that I would like a lower rate and I would not accept a " cash out '' or any loan modification that would extend the date of payoff for the existing loan. ( I have 29 payments remaining ) They asked for permission to run my credit and I consented. They said they would call me back. When they called me back, they told me they had gotten me a lower rate and asked me to come in to their office this evening to execute the papers. When I arrived, they made copies of my pay stub, drivers license, insurance card and took pictures of the vehicle then presented me with an offer at the same rate, included multiple insurance plans built in, a {$2800.00} cash out and a payment plan for 48 months and launched into a sales pitch. I interrupted the loan consultant and told him what the discrepancy was between the phone conversations and the offer. He excused himself from the room to " rework the offer ''. When he returned, he presented an offer that was .01 % lower, reduced the monthly minimum by {$17.00}, but added an additional payment to a term of 30 months. I explained the issues and walked out of their office. Lendmark has engaged in bait and switch tactics as well as fraudulent offers/claims. I can provide names of the dealership salesman as well as the lendmark employees if necessary

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Information belongs to someone else

Complaint:
XXXX XXXX and One Main has a hard inquiry on my credit report and I have nothing at all to do with either company. No credit card, no loan, never had any business with either company. Where did this come from and why is it on my credit report?? I want it removed from my credit and an answer of how it got on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/XXXX I went to purchase a car at XXXX XXXX XXXX in XXXX Tx. I was pre approved for financing under XXXX/ Santander and decided to use one of their prefer vendors. My deal was approved for financing up to {$34000.00} with an LTV up to 125 % of the deal. I went to the lot on XX/XX/XXXX to inquire regarding a 2013 XXXX XXXX that was price at XXXX $ that was over the XXXX  value of XXXX $ ..Of course, the car was over the LTV of the loan, which then the sales rep needed permission to lower the cost in order for the deal to work. The final cost ended up being XXXX . Upon looking at my sales contract, i notice my interest rate was higher than my original approval. I originally contacted the dealership and was told that it was the right deal and that Santander approved this deal ; there was nothing they can do about it and my only option was to either talk to them about the terms or bring the car back to the lot. Upon calling up XXXX/Santander and receiving a screenshot of my deal from my sales rep that work my deal..I ask the XXXX  rep if they could pull up the approval to my deal that was worked into a contract.To sum it up..there was two applications under my name in XXXX. My original deal ( which was approve ) was scrap in favor of a new deal being created that was more aligned to the dealership profit.There was no permission being given to recreate a new deal or even a need to create another app. I was already approved for a car loan with the terms being given to me by XXXX/Santander. Overall, i will be bringing back the car and unwinding the deal which i told my sales rep. I'm highly upset that even with XXXX/Santander being offer an approval on a deal, would allow dealerships to recreate deals that are favorable for them to bypass the fees attached to the deal in which the dealership has to pay or to front load the deal that would cause a consumer to be very upside down on a car loan. Who knows how many other consumers are affected by this process. Even though my deal is being trash, something has to be done. Consumers are not aware that some dealerships will recreate an entire new deal rather than using the approval deal with that same exact finance company. It's not right, it's not ethical and something needs to be done. This was a complete financial markup/ dealer reserve deal ; a 6 % interest rate markup.

Company response to consumer: Closed with explanation