BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-20
Company: ASG Solutions LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I had gotten repeated phone calls from " XXXX XXXX '' who says he is with a third party collector called, " ASG '' XXXX XXXX has threatened me with calling people " associated '' with me by naming off a list of people whom I may know. He said to me, " then I will be calling such and such and named off a list of people some of which are n't even relations to me. He also threatened to " garnish '' my wages if I did n't pay them {$1200.00} by Friday. He had a " courier '' who would be serving me papers on Tuesday and no one showed up. 
I was getting irritated with the entire conversation. He was talking over top of me, yelling on the phone, " asked if I had n't had my coffee for the day ''. I asked for a street address, and he refused to give me the street address, but rather a XXXX XXXX because it was none of my business of the street " ASG '' was located on. I feel this " XXXX XXXX '' is a scam since he talked to me the way he did. I will not pay or hand over {$1200.00} without knowing if this was a scam. I called back nine times to speak with him after he hung up on me the third time. On the ninth call, he told me I was harassing him and he would be calling the police on me and I would go to jail. 

I will not hand over {$1200.00} to some person who I do n't think is legit. Someone needs to investigate them. If it is legit, I will be happy to pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
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:
THIS ACCOUNT WAS REINSTATED WITH XXXX IN XX/XX/XXXX ( SEE EXHIBIT " A ) THIS AMOUNT OF {$39000.00} INCLUDED ALL AREARS, COSTS & FEES IN THE UNIVERSE ) AND XXXX PAYMENT. SINCE THEN, I HAVE MADE TEN 10 ) PAYMENTS REFLECTING XXXX, XXXX - XX/XX/XXXX ( SEE ATTACHED ITEMS 1-10 ). ACCORDINGLY, I AM NOT REPEAT NOT BEHING IN ANY PAYMENTS. 
I BELIEVE XXXX IS CHARGGING ME FOR FEES THAT FROM THE PRE FORECLOUSURE THAT WERE ALREADY INCLUDED IN THE REINSTSTEMENT AMOUNT LISTED AT ( EX. ( " A '' ). HOWEVER, THESE FFES ARE NOT MORTGAGE PAYMENTS AND CAN NOT BE REPORTED AS PAST DUE.

FINALLY, THIS INCORRECT REPORT IS CAUSING ME LACK OF ACCESS TO CREDIT, CAUSING DUE HARM, MISSING FINANCIAL OPPORTUNITIES, EMOTIONAL DISTRESS.BE PUT ON NOTICE ACCORDINGLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo recently settled a lawsuit brought against them by you all for over 2 billion dollars, My mortgage from 2011 Account number XXXX for a property at XXXX XXXX  XXXX XXXX XXXX, GA XXXX. Which qualifies for the mortgage damage payment. 

I also currently have bank accounts with Wells Fargo. Last month all of my money just disappeared out of my accounts and when I tried to log in via the mobile app there was a bunch of letters and numbers. Like my account had been hacked. My actual banking information did not show up. So they actually owe me money for overdraft fees and my account being hacked. 

Wells Fargo owe me at least {$60000.00} from this damage fund.

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 2021-09-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This complaint doesn't relate to the first one ( XXXX ) and I understand that the unauthorized XXXX online transaction is irreversible. This complaint is about the second unauthorized Wire Transfer transaction that Chase Bank was working on. This week, I received a letter from Chase bank stating that they denied my claim for the Wire Transfer unauthorized transaction because the transaction was authorized by me and I received benefit from it. This is false. Two weeks ago, I have called XXXX and they have confirmed that my phone SIM card was unauthorizedly switched during the time that the unauthorized transaction happened. I have proof that during that time, I had no access to my email, phone number and my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Southwest Credit Systems ; XXXX ; 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 2018-08-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
RE : Bankruptcy File XXXX Request to have this information removed from credit file. 
Reported XX/XX/XXXX Dear Sir/Madam, I believe the reporting of this account has expired. This bankruptcy was filed as a result of the illness of my spouse who has since died. At that time we had no insurance. 
I have requested in writing to all credit reporting agencies in writing, letters dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
This morning while I was reviewing the itemized statement from XXXX I noticed that I had a charge from TransUnion for XXXX . I realized that I had not requested a credit report in years so I thought there had to be some sort of mistake. When I went back into prior statements I saw that TransUnion has been charging me XXXX $ every 5th of the month since XX/XX/2016 when they initially charged me 1 $ to check my credit. These services are listed as " Transition from TU alerts to XXXX alerts, '' which if I have been receiving I am not aware and I certainly did not sign up for. What is troubling about this situation is : 1 ) I never authorized TransUnion to save my banking information 2 ) I never signed up for the services that I have supposedly been receiving ( I am not even aware of what they supposedly are ) If I did sign up for these services it was not to my knowledge and was done in a manner that was deceptive in nature.

3 ) I never authorized the recurring charge which appears to be 19 times the dollar value of the initial charge All of the charges are documented in the attached file.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have never had a relationship with XXXX XXXX. I'm not sure what this debt is. I have attempted to notify them of that several times and have been assured it would be removed, yet the balance remains on my credit report. The address on the account is one I have not lived at for 8-10 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I reread my previous Wells Fargo Claim in Class Action Settlement and it stated I withdrew my complaints. This is totally false due adverse actions to my credit scores to include my conventional home mortgage loan with Wells Fargo to purchase a home in XXXX XXXX De XXXX. Wells Fargo XXXX XXXX approved my home loan at a interest rate of 8.75 percent and my XXXX  XXXX XXXX accompanied me to closing due to my partner was out of town. XXXX XXXX, my Realtor XXXX was reviewing the closing documents and she and I noticed that Wells Fargo XXXX XXXX revealed that interest rate was 12.75 interest rate instead of 8.75. I told XXXX XXXX they falsely applied a XXXX percent increase interest rate at XXXX and they refused until I threatened legal criminal action. Therefore, they agreed to do a new loan closing document at XXXX instead of their illegal change from XXXX. 
Wells Fargo finally agreed to the correct interest rate and started closing process again and we finally closed the XXXX Mortgage XXXX at XXXX. It took XXXX hours to close the redone new loan at XXXX percent and Loan XXXX XXXX  XXXX XXXX  XXXX that she informed of her status and went wild due to losing Hundreds of Dollars for her illegal documents with a XXXX instead of XXXX percent. As far as I was concerned she attempted to defraud, illegal and criminal acts per her attempted to change my interest rate by XXXX percent She was friendly until we went to closing and spoke harshly to me that I was causing her Commisson on my Home Mortgage Loan! I was lied to and their illegal acts caused me severe stress. 

Thank you for additional class action case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Alorica Inc.
State: WV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I initially had a borrow and grow loan with XXXX, who sold my debt to SST XXXX. I have repaid the amount I owed from the initial personal loan, and now want to close my loan, as I do not want to pay the {$200.00} a month on a 29.98 % interest rate for {$2500.00} in savings. SST XXXX charges too many fees and seems to have no idea how to handle my loan. XXXX originally offered the option to cancel your loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2018. 

I was contacted by XXXX. XXXX XXXX XXXX initially verified my birthday. But I told him I can't verify his contact and calling. He told me the amount to be paid for credit card is {$330.00} for past due by today and {$1300.00} for entirely clear the payment to activate the account. Otherwise, the card will be closed and won't be available anymore. The card can't be used for a while already. It has already been stopped. He said I can't login to the website but I can provide him with my debit card number by phone to pay him. I am suspicious about giving him my debit card number that he should have known that already. At first, XXXX told me the online banking account will be closed without any entrance to the bank account. Later, he said I can either pay by phone with debit card or still login to use the debit account. I don't know how the payment can be made in the future if the debit account or online banking login is blocked or closed. It's not very consistent. His phone number is unknown from the calling list. This is my first experience on this and don't know how to verify his identity by looking at the phone number. I did have two late payment and the card is not available for a while.

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 2018-08-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
The Toyota Financial Services ( " TFS '' ) account existed due to a two-year lease of a XXXX XXXX XXXX. The lease ran from XX/XX/XXXX to XX/XX/XXXXand the car was returned promptly at the end of the lease term in XX/XX/XXXX. In XX/XX/XXXX I was notified via mail that I had a balance of {$880.00} owed to TFS for a Disposition Fee and Excessive Wear and Use Fee. 
At the time I spoke with a TFS representative regarding the Excessive Wear fees and contested some of those charges. Per our conversation it was agreed that a portion of those fees ( precisely {$440.00} ) would be waived, as they were not reflective of true wear and tear on the vehicle in question. As a result I paid {$430.00} on a check dated XX/XX/XXXX. Per TFSs representative instruction the note section of the check unequivocally states, " Amount Paid in Full Following Contestation. '' TFSs representative assured me this wording would indicate the excess charges had been reduced and I had no further balance. This check was cashed and I was informed the account was closed. 
I was surprised to receive a notice of an outstanding amount of {$440.00} that has been sent to collections ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). I have spoken with a TFS representative ( XXXX, Agent ID : XXXX ) who referred me to XXXX XXXX XXXX ( XXXX  ) for further information. I refuse to call in order to discuss any debt as my previous conversation led to this matter in the first place and I prefer to conduct all dealings in writing as proof of what has transpired. 
The only amount that I would be willing to settle on is zero dollars ( {$0.00} ). My attempts to resolve this matter in writing has led to an offer to settle for {$350.00}. This is outrageous since I was already assured that my previous payment of {$430.00} would fully settle the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had an credit card account with Bank of America. Since I traveled frequently, .. it could be several months between the time I could reconcile the statements. I began getting charges in late XXXX and early XXXX for a materials supplier in New York ( and various other vendors ). These turned out to be changes made by XXXX ... and XXXX XXXX XXXX ( estranged adoptive family members ). I also found out that Bank of America was allowing XXXX to have access to my account to make payments and balance inquires. I requested that BofA stop all such activity. I was informed that XXXX ( and XXXX XXXX ) had enough information about me to bypass any security measures they had. I asked to have the account changed. BofA did so ... and the charges continued ( under the old number ). BofA told me there was no way to stop those charges, I have a XXXX Texas Police report on this and several other acts of theft and vandalism by XXXX, XXXX and XXXX XXXX. One of the incident numbers is XXXX. 

There have been over {$16000.00} in charges by XXXX on this account. There have also been over {$200000.00} in damages ( vandalism etc ) by XXXX and XXXX XXXX and her family. 

Bank of America is already in possession of all documents related to this. I have provided them multiple times over the years.

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 2021-06-23
Company: Duvera Billing Services, LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DUVERA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: PNC Bank N.A.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am currently unable to repay my PNC student loans. 
PNC offers little options if you are having trouble paying off loans. They offer a total of 12 months of forbearance, which borrowers can take 2 months at a time, every 12 months. I took a forbearance about a year ago and am not eligible yet. They also offer a 'graduated repayment ' option, in which you pay slightly less than your regular monthly payment for a few months, then your payment is fixed at a rate higher than what you started with. However, when I was making {$11.00} I did not qualify for the graduated repayment, so at around {$13.00} an hour, I am certain I will not qualify again. My cosigner can not / will not make payments. 

I have been trying to become current with PNC for about a month or two, and they do not have any options for me to make lower payments currently. I can afford {$150.00} a month ( my payments are $ 360+ right now ), but literally can not afford to be paying more than that. I am currently supporting not just myself but also my partner, and assisting with XXXX grandmothers going through XXXX, and do not have a way of paying {$360.00} a month right now as that is nearly a quarter of my monthly income. 

I would like to make a request for PNC to please allow me to lower my payments to $ XXXX monthly until I can afford to make the full payment. I expect to be able to do this by mid-2018. I have so many other bills - such as my car, phone and apartment - which I will physically lose if I do not pay them. I want to pay these loans off, I just can not make the full payment at this point. I understand if {$150.00} only covers interest. 

Please assist in any way you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: MD
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:
This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
there are unauthorized inquiries for XXXX XXXX on my report. The credit bureaus allowed them to get my information now someone has a credit card in my name and now I am a victim of identity theft because they pulled my reports without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: EQUIFAX, INC.
State: UT
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 is reporting an account for XXXX XXXX XXXX on my credit that is not mine. I've filed police reports and the fraud dept determined that it was someone in North Caroline who opened the account. I live in UTAH and have always lived in Utah. This is not mine & I have never had a collection on my credit nor have I ever had XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation