BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of XXXX, I tried to apply for a card at 0 % interest for 18 months from my bank, Wells Fargo in order to set up a new office for my business. I got the run-around for weeks because they insisted the address on my account did not match the address with the XXXX. Finally, they offered to resolve this by giving me {$10000.00} XXXX XXXX at 0 % on my already-established WF credit card for 18 months. This seemed to solve my need so I agreed. For the past 2 months I have noticed significant interest charges on this card ( over $ XXXX for a total now of over {$600.00}. ) While I had been making additional purchases with the card ( beyond the {$10000.00} @ 0 % ) I had also been making large payments to cover the new charges, along with the minimum payment for the {$10000.00} cash advance. I could n't understand why I was getting charged so much interest so I contacted their customer service. According to them, and unbeknowst to me, they had been dividing my monthly payments ( somehow?! ) towards both my new charges AND the {$10000.00} ( which was supposed to be @ 0 % for 18 mo ) rather than applying my monthly towards the higher interest ( new ) charges as well as the minimum payment on the {$10000.00} cash advance. Essentially, now, four months into my 18 months of 0 % interest, they are claiming that I have paid off close to {$9000.00} of the balance that was at 0 %, while meanwhile my accruing new charges in the amount of close to {$15000.00}. It seems incredibly unethical and deceptive for a bank to take it upon themselves to apply portions of payments to a lower-interest-rate-balance when there are higher-interest-rate charges to be paid. This was not disclosed to me and to this day I do now know how they are calculating which percentage of my payments are being applied towards the 0 % cash advance. When I spoke with them on Monday, they insisted there was nothing that could be done.

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 2018-07-21
Company: AmeriCollect
State: MI
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:
XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : AMERICOLLECT INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. AMERICOLLECT INC {$470.00} Account Details Last Reported XX/XX/XXXX Collection Agency AMERICOLLECT INC Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$470.00} High Balance {$470.00} Remarks Consumer disputes this account information Medical

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
{$5900.00} my card was lost and stollen and they did not close it when i called mulitple times and my card got maxed out. I have never maxed out a card in my life and had perfect credit until this happened. I am a XXXX XXXX XXXXXXXX and need this fixed as soon as possible. 

Capital one Case # XXXX Already reported to credit companies Reported to them phone call and mail Already did big fraud packet for them. 
They have done nothing but send letter after letter saying i owe all that money. 

They recieved my fraud paper work XXXX XXXX from what they told me on the phone. I called again on XX/XX/XXXX and they were still working on it. Nothing had currently been done. More paper work sent out XX/XX/XXXX. They said they sent me emails that same day. I have 0 emails. Told them if i do not get this resolved i will contact a lawyer this is ruining my life and my familys life. 

Ref # XXXX Fraud department # XXXX Talked to XXXX XXXX. 

Still nothing has been done. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: MI
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 called Equifax today and multiple days last week, when you call your prompted to put your personal identifying information in, after inputting my correct information, I was told my information does not match which gives me a even higher privacy concern with Equifax since they continues to have major breaches. Monday I called and spoke with a representative by the name of XXXX who told me she see Im a victim of fraud and need to add the credit lock for extra protection of my information when my personal information should be protected once they assumed this vital role. Im more concerned that If I dont pay the XXXX like XXXX kept stating my information would not be as protected. I told XXXX no and she still continued to try to coerce me into paying even went as far as stating why cant I buy it and dont I want my information protected, which scares me tremendously. 
A collection account was removed and my score did not increase but it decreased when it was added making no sense. I also called multiple times asking Equifax letting them know this account was not mine and to provide me with substantial proof that they exercise there grave responsibility to make sure this account from XXXX was correctly investigated before furnishing and they failed to do so and failed to remove it. I have no business with XXXX nor does they have a permissible purpose to furnish. Equifax has let another company infringe upon my rights after assuming this position you were to make sure my consumer report is equitable and fair to me according to the FCRA. Equifax data sharing policy states you guys house the consent forms the companies and can provide me the consumer with one upon request,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
An unauthorized credit inquiry was mad on XXXX by Capital Once 3 times so far on XXXX. 

Location XXXX CAPITAL ONE XXXX, VA XXXX Phone ( XXXX ) XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022 Additionally, another was made on XXXX with XXXX XXXX XXXX and their automated message system automatically goes to unauthorized credit inquiries as if this was intentional or expected? 

Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Requested On XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX have both agreed to remove 5 inquiries off of my report due to fraud activity after multiple conversations and multiple disputes which were supposed to be actual removers. I 've given them all information needed and also followed their removal process contacting the other companies. I sit on hold for over a hour each time I call, I 'm not sure if they are just telling me they are going to remove them just to get me off the phone quickly or what, but it has been multiple times they have told me these items will be removed and still no result. I put a freeze/ fraud alert on my account and everything. They told me they would be removed but still no results at all. The inquiries were : XXXX XXXX twice on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX. These inquiries were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Synchrony Financial Bank in XXXX, Florida incorrectly lists 2 Care Credit accounts on my credit bureau reports. I had one account only. It was opened on XX/XX/XXXX. 
The account number begins : XXXX They transferred this account number to another office and closed it when they did this. 
After that, a duplicate account was opened in XXXX of XXXX. 

Synchrony Financial Bank should never have opened the second account and it needs to be deleted from my credit files with XXXX, XXXX, and XXXX XXXX credit bureaus. 

I did not need another account, I just wanted the original account from XX/XX/XXXX, to stay open. 

I did not give them permission to close my original account and open another one! 

I should only have one account, the one from XX/XX/XXXX, listed on my credit bureau reports. 

I did not give them permission to transfer my original account to another office and close the account.

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 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 to the credit bureau regarding inaccurate & unknown items on my credit report. Until this day ( 42 days ) later, I have not gotten any reply from the credit bureau regarding my dispute. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been 42 days so they should be deleted promptly. I demand that these items be deleted immediately or i will file litigation due to stress, frustration & denial of credit due to these inaccurate items on my credit report. My personal information was also impacted by the XXXX  data breach and may have gotten 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 2018-07-21
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen, among them was my passport, driver 's license, social security number and paystubs that showed my address and birthday. Ever since several accounts have been opened in my name without my approval or knowledge. This XXXX XXXX XXXX account was opened without my knowledge or approval. The apartment complex that the XXXX XXXX XXXX service was opened at has acknowledged that I did not execute the lease or live at the apartment complex. The lease was executed in my name without my knowledge and all utilities at the apartment complex were opened by a third party without my knowledge. I have attached a copy of the the FTC identity theft affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30
Company: Clarity Services
State: MS
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:
My consumer credit report from XXXX XXXX XXXX XXXX contained an unknown and unauthorized inquiry from a company called XXXX XXXX XXXX for an alleged payday loan. I have never had a payday loan from any company yet Clarity stated that it had been verified without providing any tangible and legal proof. My contact at Clarity is a lady named XXXX and her number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I have made numerous attempts to correct the inaccurate reporting by Wells Fargo. I have filed numerous Direct and In-Direct Disputes. No one is taking the time to review the situation in its entirety to even see the error. Which has caused my credit score to drop 50 points. MAIN ISSUE : Obligor filed Chapter XXXX  bankruptcy on XX/XX/XXXX. Wells Fargo had a XXXX balance and decided that they would charge the account off on XX/XX/XXXX. The XXXX balance is actually interest. Based on the history of the account, the obligor was only paying interest because of a 12 month no interest. As of today, Wells Fargo is reporting 120 days past due on my credit file. How can an account be reported past due 120 days where a lender has already charged off? How can a lender report a charge-off on a person that is not liable for the debt. In XX/XX/XXXX, Wells Fargo reported the account as a charge-off. I disputed and know the account is reporting 120 days. So since the obligor is in bankruptcy and Wells Fargo decided to charge-off, now my credit will reflect an account 120 days due forever????? In addition to being a violation of the FCRA, this is also an Unfair and Deceptive Act and Practice. I am a non-filer and was only suppose to be an authorized user not a co-obligor. From a credit reporting perspective, Wells Fargo is reporting inaccurately. If Wells Fargo made the decision to charge-off, the charge-off can not be reported on the non-filer. The charge-off was not due to non-payment. In addition, as part of the FCRA and Credit Reporting Resource Guide, a data furnisher has a duty to furnish accurate data. Reporting that an account is 120 days past due that was charged off is that Wells Fargo is violating the duties of a furnisher. In this scenario, being that the debt was written off, it is violation of the FCRA for Wells Fargo to report any status a non-filer. I recommend that the CFPB AUDIT WELLS FARGO bankruptcy credit reporting. I'm POSITIVE that there are other impacted accounts. Though I am not an obligor on this account and was only an authorized user, my credit has been damaged. i HAVE FILED OVER 10 DIRECT AND INDIRECT DISPUTES AND ONLY MORE ERRORS HAVE OCCURRED. In addition, Wells Fargo is not reporting the correct Compliance Condition Code. If a Wells Fargo agent is receiving this complaint/dispute, please escalate to the Credit Reporting Subject Matter Experts. If they are unaware of how to report this scenario, please reach out to the Consumer Data Industry Association ( CDIA ) for guidance. Please accept this as my last attempt to reconcile directly with the furnisher. If this inaccurate reporting is not removed from my credit, I will seek legal representation.

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 2018-04-30
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
The problem that I am experiencing is that I am unable to apply an economic hardship or forbearance option without first paying {$50.00} up front to Navient, the current loan servicer. This flies in the face of what the forbearance or deferment is supposed to offer which is temporary payment relief. My current payment is ~ {$70.00} per month so I am actually paying Navient back, almost, for at least one month of the forbearance or deferment. This practice does not seem to be in the interest of the consumer but rather an opportunity to exploit a hardship, especially for those whose monthly payments exceed the up front payment amount, making this almost a ransom for use of deferment or forbearance. I may be wrong here as none of my government loans or other private loan holders impose this fee. Any information or investigation into this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I requested a credit investigation on XX/XX/XXXX. I was suppose to get a respond by XX/XX/XXXX, but I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for the Wells Fargo Business Platinum Credit card on XX/XX/XXXX. I applied through a link that offered a {$500.00} bonus after spending {$5000.00} on the card within the first three months, and 1.5 % cash back on all purchases. I met the spending requirement and paid it off on XX/XX/2018. At about this time I received on offer to get 1.5 % cash back on my card. This did not make sense because I signed up for the card to get the cash back, and should have received cash back for all purchases as soon as I started spending I called to see what the issue was, they told me I didn't sign up for the bonus, although I clearly clicked the link and the rep was familiar with the bonus. The rep suggested that because I met the requirements I file a dispute, I did so on XX/XX/XXXX. When I never heard from them I called XX/XX/XXXX, they said they have still not got to the dispute and I needed to wait. I never heard from them again, so I called on XX/XX/XXXX. They again said it had not been looked at but sent it to a research reference team to see if I had met the qualification for the bonus ( which I clearly did ), and they would get back to me in 10 days. After not hearing from them for nearly a month I called on XX/XX/XXXX. At this point they gave me a case number and said I would be contacted in 24 hours. I have not heard from them. I took the initiative every time. They never contacted me back once. Every time I was told something different, however two reps told me since I met the requirements it will be honored, but that has not happened. I clicked a link to get this bonus, I have met the requirement. They have been ignoring me in hopes that I will go away.

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 2021-05-07
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
in 2007 I started a Dial up internet plan for my mother at her home. XXXX XXXX XXXX made this dialup service a Long distance number. Every time my mom went online she was charged exponentially because of the long distance number that was created for her service. Resulting in hundreds of dollars on her first bill. When I received the bill, Immediately called XXXX XXXX XXXX to find out the issue. Customer service said that it as because they accidentally made my mothers number a long distance number, but refused to change what I what I owed for the month 1/2 of service. I spoke with them many times and they would never lower it. This happened over 14 years ago. I believe XXXX XXXX XXXX sold this old debt to a collection company and now they are trying to collect it as new.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hello, On XX/XX/XXXX XXXX well over one year ago ) I bought a XXXX XXXX  Concert Ticket for my husband through XXXX but financed the purchase through Affirm. The ticket purchase was in the amount of {$680.00}. 

The XXXX XXXX concert was canceled due to COVID-19 and the status of the concern is saying " TBA. '' I have asked both XXXX and Affirm to refund me my money but XXXX tells me that they can not cancel and refund the ticket unless the concert is showing a " cancelled '' status and Affirm is telling me that they can not refund my money until XXXX tells them to refund my money. 

XXXX has refunded everyone 's money on their XXXX XXXX ticket that requested one due to this show being cancelled even when showing a TBA status. 

We do not want to way for literally " years '' to get our money back on the ticket and we bought the ticket for a particular " date '' which was for XX/XX/XXXX at the XXXX XXXX, XXXX, Texas. 

Please help get me my refund. The Affirm ticket financing was paid off in full on XX/XX/XXXX. 

Both companies XXXX and Affirm are giving me the runaround about my refund request. Again, XXXX says they can not refund any concert ticket that is showing a status of " TBA '' and Affirm is telling me they can not refund my money until XXXX tells them they can. 

I would like to file a complain on " both '' of these companies - XXXX " and '' Affirm. 

We have waited long enough for XXXX XXXX XXXX band to figure out what they are going to do. 

Thank you very much! 

Sincerely, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation