BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I had a call which I answered telling me that a lawsuit has been filed against me to press one for more information. I pressed one and a rude individual asked me for a case number. I informed them that I didnt know but expected them to know when they called my phone. She told me that my logic was ridiculous and that she did not call. I informed her that someome from there called and asked me to hold. She hung up. I called back and told her that she was completely unprofessional and in violation of the fair debt collection act. She told me I had " too much energy and that she was not the irresponsible individual who did not pay their debt. '' She hung up. I calle dback and she lets the phone ring. With XXXX, I have learned that the number is registered to Jefferson Captial. I want to pursue this violation and be compensated for their behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$2400.00} not mine, no knowledge of accounts hippa violations

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 2020-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2020 My EDD account was accessed through a atm fraudulently through an ATM and {$800.00} was withdrawn. 

XX/XX/2020 My EDD account was Fraudulently accessed again through another atm and {$800.00} withdraw again.

Total amount of fraud on my account is {$1600.00}. Bank of American was contacted several times. After hours of waiting on hold and being disconnected, I received a letter in the mail from B of A stating my case had been closed and I would not be receiving a refund. 

Both transactions were made at XXXX XXXX atms hours away from my house in cities I do not visit.

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 2020-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX  and the subsequent response  received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my 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 2023-05-13
Company: Halsted Financial Services, LLC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I filed a complaint on XX/XX/23 on XXXX about a debt with XXXX XXXX XXXX. As the complaint was processing I recieved another communication through Halstead Financial. They texted me directly. XXXX is outsourcing while there is an active complaint and they are giving my contact information and not my Attorney 's information. They are still violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I tried to withdraw funds from my checking account with my Wells Fargo atm card, from a Wells Fargo branch ATM in XXXX, MD ( near XXXX  ). When I called customer service for resolution, I was told my card was canceled because a new card would be mailed this coming week. My current card expires XX/XX/2020 -- there is no expiration DAY. After pushing back for a resolution that would yield cash in hand that same day, I was offered a cardless withdrawal through the Wells Fargo phone app -- which I already had on my phone. However, this option is only available when there is an active card linked to the account. I was unable to make a withdrawal and was conveniently disconnected while waiting to speak with a manager. This is very frustrating for me since my card was unilaterally canceled without notification to me. During a pandemic, everyone should have access to their funds. This process is clearly  broken and creating problems where there does not/should not be any.

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 2018-10-25
Company: CU Recovery, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have attempted to resolve the debt and we could not come to an agreement. The debt collector has started calling me at work. I have told him twice that I can not receive personal calls and may lose my job. When I said " DO NOT call me at work! '' he said " that is not an option ''. He states that he is a representative of XXXX XXXX  to persuade my co-workers that is an urgent matter concerning my insurance. This is a lie and deceptive practice. While the creditor is XXXX XXXX  he is the debt collector NOT the creditor.

His Name : XXXX XXXX  Company he works for : CU Recovery His phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: National Credit Systems,Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My lease with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - which I signed with 3 other roommates - ended in XX/XX/2019 before the lease ended. I have tried to get the collection company, National Credit Systems, and XXXX XXXX XXXX to allow me to settle my portion of the debt so that I can remove this from my credit report. 

My credit report shows that I owe {$14000.00} - which is incorrect. However, since I was one of four roommates and my portion of these costs should be 1/4 of that total. 

I am looking to settle this account as soon as possible as it is preventing me from getting a mortgage. I have asked XXXX XXXX XXXX and National Credit Systems to please provide a breakdown of the costs that are owed by me ( 1/4 of the total ) and any settlement offer to settle this account immediately, which would include noting on my credit report that this account has been settled and is paid and satisfied. They have refused, which is unfair since I was only responsible for one-fourth of the rent payments under the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-10-25
Company: Caliber Home Loans, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Recently, our mortgage account was transferred from XXXX XXXX XXXX XXXX to Caliber Home Loans. Caliber Home Loans have rejected our payment claiming that the amount due is {$45000.00}. We entered into a contract with previous servicer and is therefore binding. I have attached the repayment agreement on which i have abided by terms under the new contract. The contract states the repayment plan expires on XX/XX/XXXX, yet caliber Home Loans are requesting an amount the does not comply with our contract. Caliber Home Loans have engaged in Floridas deceptive business practices. The servicer continues to deny that such contract exist and moving forward with the foreclosure action. On XX/XX/XXXX, i have been making payments timely accordantly to the contract, however the foreclosure case was never dismissed. When a defendants enters into a repayment plan the foreclosure action must be dismiss because the defendants have entered into a loss mitigation agreement with servicer. The foreclosure action has not been dismissed and Caliber is seeking a sale date yet i have been making timely payments since XX/XX/XXXX. We ask the Consumer Financial Protection investigate this matter, it is clear on its face that Caiber Home Loans have engaged in Fraudulent banking and business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my 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 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Someone is using my information to apply for lines of credit, home loans and car loans, it is bringing down my credit score and becoming harder for me to build credit. I do not believe i should be punished for these unauthorized applications.

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 2020-10-18
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: Their investigation did not fix an error on your report

Complaint:
Transunion did not investigte an account on my credit profile for Dept Of EDXXXX, U S DEPT. OF EDUCATION/XXXX, and XXXX XXXX XXXX this is not my account and I hv never hd an account with them.

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 2021-10-04
Company: General Motors Financial Company, Inc.
State: WA
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:
Since 2015, I've had two 3-year leases with GM for two XXXX XXXX XXXX . Never during those 6 years did I miss a lease payment. At the end of the second lease, due to the Covid-19 Pandemic, XXXX had no inventory with which to replace my current vehicle. Because of that supply issue, I was required to extend the 3-year lease for an additional 3 months. At this point, I didn't realized that GM Financial wasn't going to continue to pull my lease payment from my XXXX XXXX checking account - ( via an auto-pay payment I had set up and used for the previous 6 years ). 

GM Financial isn't willing to take any of these unusual circumstances into consideration, replying only that they had placed calls to me etc. At the end of the day, I may have missed those calls, and I will take responsibility for that miss. The issue here however is that after 6 years of on-time payments, my credit is being negatively effected by a missed payment at the end of a lease in which GM literally HAD NO CARS via Covid related supply chain issues. My mistaken assumption that auto-pay was going to continue after I was forced to extend an expired lease is now hurting my credit. 

In a note ( attached ) from GM Financial, concerning the need to extend my lease via this lack of inventory, it notes at the bottom of the letter that I 'may ' have to make manual payments. I incorrectly assumed that given my long standing relationship with GM Financial, they would continue to pull my payments from my auto-pay, and that this wouldn't apply to my situation. I apologized for this miss, and just asked that we could remove the 30-day late given my perfect history with the company.

Thank you! 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX, XXXX and XXXX XXXX, sends out letters on company letter head as law firm, they are debt collectors who go to court for other companies. But how do they own the debt and why do they appear to the individual as the attorney for the Plaintiff when they are debt collectors. They sign each letter but if you read the end it states we are a debt collector any information will be used for that purpose they do not do Debt Validity. When you call you never get through, I was a victim of Identity theft. Yet I have to send that affidavit to an entirely different company that is not even on the Docket. It is very confusing. This company is practicing Unethical practices to try to Bank Levy or do Wage Garnishment. They can not be the attorney and the debt collector for the company who is suing. I have been through financial turmoil because of this company. I am not the only one, I believe they try to get all old debt and then go to court as the Attorney and the Debt collector. Who owns the debt the Plaintiff the law firm, XXXX XXXX XXXX XXXX should not accept these lawsuits or practices from this Firm as it is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have disputed the late payments on XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX   XXXX accounts for months. The three credit bureaus wont reverse the late payment. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has lowered my credit score tremendously.

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 2020-12-03
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Because of the incident that started XX/XX/XXXX one fund were promised to me upon the following Tuesday and were not made available when in fact they shouldve been made available that day according to Law my complaint today is that I requested their bankers blanket bonds information and none was given to me I would like to have it immediately also any other XXXX bonds they may have surety bonds insurers so that I may make proper claimsNo one from the company can you give me this information Ive called several times to several different departments its ridiculous The company I am talking about is Wells Fargo bank they truly do have illegal practices as they will not relent to do the right thing even though it is clear and evident with all the evidence I have proven to them that I simply want what is mine or compensation for what they will not give me back Ive been told that my promissory notes Are negotiable instruments by their legal team two times by the same legal team member one over the phone just from reading the document When the banker proceeded to tell The legal team representative that it was hand written he wanted to send him a copy to confirm that it was a legitimate negotiable instrument five minutes after the Insent he confirmed the second time that it is in fact a legal negotiable instruments that their bank can use I didnt spoke with another banker and he contacted I believe his legal team member and they repeated the same thing they also told me I can not receive funds because there was no branch manager XXXX  and I would have to wait until the XXXX which was the following Tuesday and on that Tuesday that banker branch manager Mr. XXXX XXXX informed me that my funds could not be expedited because they are having power outage and computer failure and also proceeded to tell me that the bank will not be honoring my notes and will give no response as to why even after I sent affidavit after affidavit demanding a response I have all of these affidavits the originals and certified mail dates I also have emailsNo direct answer has ever been given to my Inquiries they have big breach the contract by silence and failure to reply and tell you to act as my fiduciary they have Breach the trust And violated the anti-trust laws along with Lord knows how many other fraudulent acts they have done behind closed scenes of what seems to be I simply demanded my property back if he can not They use they will not give it back because they know I know the secrets And the true power of promissory notes an signatureSo I simply ask for them to give me public information which seems to be a big problem For Wells Fargo bank to do I may a phone call yesterday and today about the same thing today is XX/XX/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