BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: WELLS FARGO & COMPANY
State: VA
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:
Wells Fargo N.A. has trapped my balances and per their allocation rules will not apply payments to pay off my balance transfers despite making payments well above the minimum payments. Wells Fargo allocates payments across all balance transfers first across those balances with the highest interest rate per federal guidelines. However, when all balances are of equal APR, payments are allocated to balances equally rather than allocating to the expiring balance. This traps my balances until I pay off all the balance transfer amounts, and I end up paying interest every day for balances I have already paid balance transfer fees on. I have contacted Wells Fargo about my concern with their payment allocation rules, and they have agreed to refund some of the interest accrued. However, they will not waive the ongoing interest I will accrue until I pay off the balance. I understand that this payment allocation is per their terms and conditions. However, it is not in the spirit of our agreement. The point of the balance transfer is to pay upfront fees to avoid accruing steeper interest rates and reduce debt. By trapping my balances, Wells Fargo has violated the trust I put in them to aid me in paying down significant credit card debt. I think this is a predatory practice, and Wells Fargo should adopt a different payment allocation practice for balance transfers. Wells Fargo should look out for its customers and in the situation of multiple balances with the same APR, they should allocate payments to the balance expiring the soonest. Otherwise, consumers risk trapping their balances and facing higher interest rates.

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 2018-11-16
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2018 purchase {$24.00} XX/XX/2018 Payment made {$24.00} XX/XX/2018 Late fee assessed {$24.00} XX/XX/2018 purchase {$24.00} XX/XX/2018 late fee assessed {$27.00} XX/XX/2018 Finance charge {$1.00} I contacted the company today XX/XX/2018 about the late fees assessed on the account. I contacted the company because I was unaware of the late fees an especially them being {$27.00} for 1 day late. I called to make a payment an I was trying to explain to them that I am a XXXX XXXX XXXX an their was no way I could pay {$78.00} before XX/XX/2018. The 1st person I talked to I asked could I speak to a manager she told me she could just send me over to hardship so they could help me before she transferred my called she did a credit for {$15.00} on my account knowing that would be all they would credit me. Once the hardship rep got on the phone she told me she couldnt credit me nothing else because they had already did that one she was being a little rude so I asked to speak to a manager again. Once I got on the phone with the manager he took a look at my account then put me on hold an a woman returned I explained to all of the reps managers an associates that I am a XXXX XXXX XXXX I dont have a job an I know there is no way I could pay {$78.00} before XXXX. I told them I have the purchase payment of {$24.00} to pay right now an they told me I needed a minimum of {$32.00}. I told them that I could possibly beg someone for the other {$6.00} an pay it so I could have at least the minimum payment. I was sent to 4 different reps in which no one really helped me and 2 belittled me asking about my finances, how I pay my bills an how I get by, an do I think I could get a job. I tried explaining to them that I dont want the late charges to continue accruing because I cant pay the ones I have now. They wouldnt even set me a plan to pay what I have now all they said was I got to pay it in full by the due date or they gone continue charging late fees. I also explained to them that no one explained the late fees to me an I have not received a statement. I told them when I got the card I was out of town on vacation an I visited a store an they cashier told me that she could put all the information in on the computer So I did not fill out anything. Instead they told me I should have been aware of the the fees an due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2018-09-21
Company: EQUIFAX, INC.
State: OR
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:
Ever since you sent me the dissolution for my last and only complaint, I have been getting harrassing phone calls. They say I am to appear before a federal governments majester and since I never responded to them I am going to prison.? I looked it up online line the multiple numbers and sure as XXXX  others had complained of a scam, its just weird it was directly after dissolution of my complaint. Also now there is a fraud block on my report telling any consumer to call me before any purchase .... Its basically ruining my life, I am a single father trying to make it with a XXXX year old zero help from the mom she is long gone and you've destroyed or whoever put this fraud block on what credit I was rebuilding. My personal info is off by a long shot its seriously ridiculous! There is stuff on my credit which is ten years old when can a man finally get a break? Not to mention i'm in between XXXX   working jobs from the season and unemployed ... The i.r.s. charges like XXXX dollars a missed payment the state puts leins and distraint warrants out on bogus child support..NO ONE even actually looks at these claims ... The only government or service workers i have found to do a decent job is the DHS, and some of there workers are like ridiculous to where its overboard. I here of a tax reform all the agencies government and state are reformatting to correct this? I seriously hope my daughter grows in a generation where this is taken care of and government and state officials give a family the chance to XXXX LIVE!!!!! excuse my language i am in an outrage. HENT..VENT ... Please email me back or call leave a message so i can call update my contact information immediately so me and my XXXX year old can have a chance in this wold!!! and please take the fraud alert aff my account!!! ASAP When called i will present my real current info like phone address school history because some of the guesses and XXXX still on my credit is bogus!!! thank you for your time!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Grant Mercantile Agency
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Grant Mercantile Agency reported a debt of {$1500.00} for XXXX XXXX on my credit report that does NOT belong to me I have repeatedly asked for the identification used in opening this account as proof and they have not been able to provide it. On XX/XX/XXXX, I filed a complaint with CFPB about this issue at which time Grant Mercantile Agency LIED in their response saying it would be " closed with explaination ''. Instead of doing that they have increased the collection amount, keep sending me identity theft papers to fill out, and it has remained opened on my credit reports as collections even tho they refuse to provide me with MY identification to prove that it is my account. I will not perjur myself by filling out identity theft reports when I have no idea if thats what it is or not. What I do know is that Grant Mercantile Agency LIED to both myself and to CFPB by saying they would close the account with explaination when they have no intention to do so. They should be penalized for LYING about resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: CA
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've been shopping around for cars so yesterday XX/XX/20 I finally applied to see if I would get pre-approved for an auto loan and I was told that I would not qualify because there are XXXX accounts reflecting negatively on my credit. I was not aware of these accounts because I never opened them and I didn't give anyone permission to open them in my name. The account names are the following. XXXX, XXXX XXXX XXXX, and US Department of Education. I never authorized these accounts to be opened in my name nor did I benefit anything form them such as money, goods services or any other benefit and I never made payments towards them. I have filed this report to the best of my knowledge as well as a police report and a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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: Information belongs to someone else

Complaint:
I requiring to review Fraudulent accounts in credit report which I found out recently. All of these accounts were opened not by me and without my permission, without any signature. Please remove them as soon as you can because they are destroying my credit history. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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 2018-11-16
Company: EQUIFAX, INC.
State: CA
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 appear on my credit report and this is a fraudulent account. I have sent all legally required paperwork i.e. police report which identify the items, notarized statement of truth, proof of identity to both the collection agency and credit reporting agency mentioned and neither will comply with the law and remove the fraudulent item from my report. I am a litigious customer and this is my last attempt before, I exercise my rights and sue the company for each violation of the fcra and fdpa. Please note this has been disputed with the credit reporting agency as well as the creditor XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28
Company: BYL Collection Services
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently signed up for monitoring company in which I first noticed fraudulent account reporting from company BYL Services I have no relations to think account this is a result of identity theft as I have reported to the FTC as Identity theft and seeking that it be removed as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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 requiring to review Fraudulent accounts in credit report which I found out recently. All of these accounts were opened not by me and without my permission, without any signature. Please remove them as soon as you can because they are destroying my credit history. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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 2018-11-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I divorced my husband on XX/XX/XXXX, on the divorce decree he was supposed to redo the loan and put it on his name only ( see atach 1 ).

At a later time, we went back together, however, during this time he forced me to give him a quit claim ( see attach 2 ) He got the title but the loan remained on both of us name. Upon his death XX/XX/XXXX the mortgage company removed him from the debt and make me liable for the full amount, so I am not able to refinance or sale the property because I am not on title. 
Due to the hardship, on XX/XX/XXXX, I started a loan modification with XXXX XXXX XXXX and the outcome was denied on a letter dated XX/XX/XXXX ( see attach 3 ) they stated I did not qualify. On XX/XX/XXXX the loan was sold to Bayview ( see attach 4 ) and I requested another loan modification on XX/XX/XXXX. I submitted all the required documents, then I found out that they change my asst manager XXXX XXXX ( see attach 5 ) I started with another asset manager XXXX XXXX ( see attach 6 ) I submitted the papers once again, three appraisals were done during this time ( see attach 7,8,9 ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX All the papers were complete by XX/XX/XXXX ( see attach 10 ) then I received another letter dated XX/XX/XXXX stating that it was incomplete ( see attach 11 ) Due to the fact that the property had equity, they determined not to approved the loan modification. ( It took about a year to get an answer ) At the present time I got a third asset manager, XXXX XXXX handling my case. 
On XXXX XXXX got a NOD. Two days ago I found a notice of trustee sale taped to my front door ( see attach 12 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Portfolio Recovery Associates comes up on my credit report every couple of years with new dates, they have called my sister, my parents, my boss and stated I was in legal trouble and going to be arrested if I didn't call them back. I had the attorney general in MN contact them 10 years ago and they promised to stop but every couple of years they start again. They have two bogus collections on my credit report that I can't seem to get rid of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 requested that this debt be removed multiple times as it is both erroneous and false on my credit reports with XXXX, XXXX, and XXXX. This account XXXX has been misreporting as a factoring company on my credit reports.This is a direct FCRA violation and I will seek to file suit unless this account is removed from my credit reports.PRA is reporting falsely because they are a debt collection company not a factoring company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: EQUIFAX, INC.
State: GA
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:
It has been several credit inquiries from companies listed on my credit report with XXXX credit bureau, I have called and talked to customer service that were unable to provide with any information about these inquiries. I was told that they don't have any record of pulling my credit. I contacted the customer service numbers listed on my report. I have a fraud notification on my report that companies are supposed to call me for verification. These inquiries did not result in any loan or card being dispersed. 

EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX  XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A fraudulent wire was initiated from my account. I have contacted my bank and after a week nothing has changed. I called back in again and the first call never saw any action. I never received any text alert about a wire charge. I would like funds placed back into my account. Wire was done on XX/XX/19 plenty of time has gone by to fix this problem. 

I changed all account numbers changed all passwords to accounts and secured everything on my end.

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 2020-06-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to fix a situation with Wells Fargo : In XXXX they sold me a predatory interest only loan. In XXXX it was modified. In XXXX the payment will triple. Here is my recent letter : Let me speak with underwriting I have both a current XXXX  XXXX XXXX XXXX License & XXXX   license. ( I am contacting you as an individual ) Current county assessment market value of property in question is $ XXXX. By next year expect with the CV19 based wave of foreclosures that will drop. Add in the costs of foreclosing, refurbishing, bringing to a down market and time vacant with nothing coming in, and WF will be lucky to recoup $ XXXX. Meantime another XXXX American familys blood on your hands. 

Its corrupt, discriminatory, abusive & absurdly hypocritical that : Youd rather do the above then recast this loan to $ XXXX after taking exorbitant bail out money XXXX and writing off/charging off subordinate loan multiple times. 

That despite current 15 year payment history you say I dont qualify for the lowest rates in history, but expect me to pay twice the current interest rate with a triple payment in XXXX even though I am current with fico XXXX and sufficient income of $ XXXXmonth. 

I cant help that my parents were hippies and named me after a foreign entity. I am XXXX XXXX. What you are doing is discriminatory, predatory, unethical and immoral. 

You should have the higher ups above underwriting immediately : Strip/forgive/settle the 2nd lien on the note you wrote/charged off multiple times and receive XXXX bail out money for, forgive $ XXXX off of the 1st note, ( if not forgive then piggyback ), and recast the remaining $ XXXX $ XXXX into a 2.75 % 30 year fixed. 

I have 700+ credit, sufficient income, 15 yr immaculate payment history. 

I am sure there are plenty of lawyers who would agree with me. 

Please do the right thing here and adopt the above. 

I will get a pay increase soon, this is totally doable. 

God Bless 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 2020-10-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have freeze on my account. I am unable to open any new accounts like a checking account, saving, credit, and car financing. 
Please help me fix this. 
I need to start my life and saving for my family. 
My name 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 2020-06-30
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was setting up a XXXX stock trading account. PNC would not allow me to link my bank account so that I can transfer funds.

Company response to consumer: Closed with explanation