BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wells Fargo has been engaging in false misleading practices stating that I owe an alleged debt. I have sent multiple notices and correspondences and they still have not verified under perjury that I owe this alleged debt. They have voluntarily marked my consumer reports " late ' and never told the consumer reporting agencies that the account is being disputed which is also unlawful. They stated that the FDCPA does not apply to them but consistently uses language of a debt collector. They have refuse multiple tender of payments and demanded checks and/or cash and it is unlawful to demand anything. 
I have typed up a Cease and Desist notice demanding the following : 1. Documented evidence including books of accounting 2. Name and address of Original Creditor 3. A Federal stating that I the consumer owe this alleged debt 4. Proof that the corporation is not bound by Article 1 section 10 of the Constitution 5. That the " billing statement '' is really a credit owed to the consumer. 

I gave the company 15 days upon receipt of the notice to provide all that is demanded.

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 2022-08-31
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:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I have sent a request to XXXX XXXX asking that the account be closed immediately. I also request that XXXX XXXX absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 
I've attached a copy of the Internet Crime Report form that I completed on this matter. 
When I called the phone number ( XXXX ) that is printed all over the XXXX XXXX XXXX bill that came in the mail it went into a voicemail box that was not professional, just a message to leave a number and when I called now it's a 'the number can not be completed as dialed. 
Thank you, 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 non-monetary relief
Consumer complaint received 2018-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
You closed my case.Why? as a veteran, with proof of what Bank of America did to us. we were paid up, have proof of that, How can a Bank go into court with a fake deed, ( have proof of that ) pay of 4 Insurance companies from our account, and expected us to get the money back.have proof of that.lied to the court. Have them on tape saying that they messed up. we still lost our home. now we are being harassed by boa send us email stating that I was suppose to get our money, want to help us, even set up a fake wire transfer stating We were getting money owed to us.Why are you letting them get away with this? No man that have served his country should be treated this way. ( his Grandfather served in XXXX. ) it is a matter of justice.We will not go away. Why did you close our 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 2019-11-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have got credit cards from other companies that gives me more than twice the limit AMEX provides me with. But I still use Amex credit card at all times. So I would expect to get appropriate customer service from Amex if and when I call Amex. I called AMEX from XXXX on XX/XX/19. The customer service representative was XXXX, ID XXXX. The representative refused to provide service to me over the phone. Listen to that call and get back to me with the either resolution I have asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I made a payment on XX/XX/XXXX through XXXX XXXX XXXX 's website using XXXX XXXX XXXX as normal. However on XX/XX/XXXX I received a voicemail message. I returned the call early the next morning ( XX/XX/XXXX ) and spoke with a Mr. XXXX. He indicated that it appeared that the system was unable to locate my account. He said there may have been a glitch on their end since they were updating their system. I used another form of payment and made the payment. He indicated that any fees incurred were waived and my account was at XXXX. On XX/XX/XXXX I spoke with Ms. XXXX because when I went to make a payment on my account online, it said it was blocked because it was overdue. She informed me that their system had been down over a week but my account was current but the late fee and miscellaneous change was still reflecting in the system. I explained to her that I had spoken with Mr. XXXX and he had ensured me that those fees were waived. She said she saw the note but nothing about fees being waived. She said she would put in the request. I just received my current bill and the fees are still on my account, which total {$42.00}. I don't feel I should be obligated to pay them since they were having problems with their system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: DISCOVER BANK
State: NH
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 balance transfer

Complaint:
I was looking for a new credit card that gave me cash back & a transfer options.I found a great deal at a Discover Card plan on the Discover Card website.It sounded to good to be true. It said 0 % interest for 18 mo.on  transfer balances. I called Discover Card & ordered a new card. Today I tried to make a transfer of XXXX to their card & was told that their was a 3 % charge to do that. It did not say this on the Website, but it turned out to be on other documentation that was sent to me, further.down on the page.I was thinking that the offer was so good that I might pay the {$60.00} & get on with it. I then checked the interest rate page & came to find out that you have to pay almost 15 % interest on the balance transfer as that was not part of the deal. Everything else was interest free except balance transfers & cash loans. So, my ability to save was nil.All though I was not scammed it sure felt like it. This is just a bad case of deceptive advertising & it should stop. Thought you  should know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
BBVA Compass Visa Credit Card As of XX/XX/2018 they removed the ability to pay online as I have done for many years before. I contacted customer service XX/XX/XXXX, speaking with XXXX for an hour with no resolve. Contacted them again on XX/XX/XXXX for another hour with no resolve. 
On XX/XX/XXXX went to a Branch Office, only to find that they had my profile all wrong, wrong info on everything. I was informed by XXXX XXXX I would be contacted on what would be needed to conduct business with them. After several weeks, I contacted him only to find he was on vacation. On XX/XX/XXXX, I went to another Branch Office and met with XXXX, she tried to get everything done however no follow up with no results. 
Made a payment with the teller at this time. On XX/XX/XXXX, I went back to the Branch Office, XXXX was out to lunch, spoke with XXXX a teller to see what we could do and to see if any transactions had been reversed as requested. She tried to assist with the Banking App, and had also informed me that transactions were reversed, but was unable to complete with the banking app. I also noticed at the time when setting up the App they had multiple accounts showing which were not mine, one with a $ XXXX credit line. This indicated to me they had not corrected my account profile issues from XXXX. On the evening of XX/XX/XXXX, I attempted to logon the BBVACompass webpage, only to find no payment history, no transaction history, what a way to run a bank. I'm going to return on XX/XX/XXXX to make a payment with severe reservations, I feel that any and all interest charges for these 70 days should be credited back and all records be corrected ASAP. I'm prepared to stop payments completely until it is corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-27
Company: WELLS FARGO & COMPANY
State: TX
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: Problem with personal statement of dispute

Complaint:
I have held a mortgage for over 27 years with no issues with credit reporting. In XX/XX/2019 & in the process of changing my payor banking accounts, I inadvertently failed to pay my monthly mortgage to Wells Fargo. On XX/XX/XXXX, Wells Fargo filed a 30 days credit report. Prior to Wells Fargo filing the credit report, I never received a phone message, an email, or a letter from Wells Fargo to inform me they had not received my payment. ( WF claimed they called on XX/XX/XXXX but did not leave a message. I see no such record on my call list. ) On Saturday, XX/XX/XXXX, I finally received a call from a Wells Fargo representative who informed me of my delinquency. I immediately sent in my payment. This representative even waived my late fee. The following Monday on XX/XX/XXXX, I then sent a written request via fax to Wells Fargo and asked them to recall the 30 day credit report. My WF representative was XXXX XXXX. She simply refused stating they had no power or authority to do so. I asked to speak to a supervisor but no supervisor has called me back. I have asked if I could provide any additional evidence and no one has given me guidance or a forum to plead my case to a higher level where the goodwill recall and discretion can be given. The 30-day credit report will affect not only my credit score but my security clearance for which my job is dependent. I believe Wells Fargos actions are unreasonable and without any regard to true customer service and appreciation. I question their practice of filing a credit report so quickly when actual contact was not made with me. ( The first letter I received was the week of XX/XX/XXXX dated by XXXX in XX/XX/XXXX, the day the crrdit report was file. ) I am begging for mercy.

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 2018-08-07
Company: AFNI INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received calls at least 2-3 times a week from XXXX ( which is a collection agency ) on my company phone. I have called them twice and they always tell me I'm not in their system, I don't owe them anything, and they don't know why I keep getting the calls, except for that it might be in another system that they don't have any control over. They have cross referenced my company desk phone, which forwards to my cell phone and that number is not in their system either. The calls have become more frequent and are starting to interfere with me conducting business on my company phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: GA
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: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX  XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX Sirs : It is my understanding that in XX/XX/XXXX Equifax implemented a new system for consumers to manage security freezes on their credit report. The new system appears to operate under the web address of myEquifax.com. Apparently, since your conversion to the new system, you have suspended my access to my online account and I am no longer able to access the online system to temporarily lift my security freeze, when I require that action be taken. I discovered this system error in early XXXX when I attempted to temporarily lift my security freeze. After several different sets of instructions from Customer Care, I had to use the phone-base system to perform the required action. The Customer Care organization in the XXXX is unable and unwilling to determine what was done to my account and what I am required to do in order to have my access restored to myEquifax.com. I have been calling Customer Care on a regular basis and continue to get the same tpe of response I'm sorry to hear you're having a problem, I will submit a report of the problem, and You will receive an email when the problem has been resolved. All of this occurs usually after I am quizzed about the contents of my credit report so they can be assured they are actually talking to me ( they all use the same script ). The end result is that nothing has been done. 

This has the appearance of another breach of your fiduciary responsibility in handling personal information of the people whose data you harvest and then sell for a profit. I have been trying, unsuccessfully, for several months to get any substantive information about why my access was removed and what I have to do in order to get my access restored. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account from CREDENCE RESOURCE MANAGE # XXXX that is Fraudulent I have requested that XXXX XXXX XXXX froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a 605b BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: GREAT LAKES
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contacted XXXX XXXX XXXX XXXX XXXX with a request to change the way my prepayments are applied so that the full prepayment amount goes towards the highest interest rate loan instead of first being applied as a normal monthly payment XXXX first part of the payment is applied to the principal of all of the loans even though this is an excess payment ). This is causing me to pay more in interest than I would be paying if all of the excess payment went towards the highest interest loan. 

As stated in 34 CFR 682.209 ( b ) ( 2 ) ( ii ) I have the right opt out of having my prepayments applied as future installments ( see end for the link ). So far my prepayments have been applied to future installments to the point that I do not need to make a payment until 24 months in the future. At this point I would like to stop my prepayments from being applied as future installments and instead have my prepayments go 100 % towards the principal of the highest interest rate loan ( after fees and interest ). 

XXXX XXXX XXXXXXXX XXXX XXXX has told me that it is impossible to opt out of having my prepayments applied as future installments despite being clearly stated in the Act. XXXX XXXX XXXXXXXX XXXX XXXX has also not provided me with any documentation that shows that my prepayments have to be applied in this matter. The master promissory note that I signed does not mention anything about this. 



XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: IL
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:
XXXX, equifax, and XXXX have not removed a fraudulent account from my credit report. I've disputed it multiple times. I even have proof from the collection agency that the account was open in a different state. here is the proof below. this account needs to be removed as I did not open it. and they have yet to provide evidence this belongs to me. 

the account number is XXXX account name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
The following accounts and Addresses were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- Credit Cards- 1. XXXX XXXX Account # XXXX Open dateXXXX XXXX, XXXX Amount- {$6000.00} 2. XXXX Account # - XXXX Open dateXXXX XX/XX/XXXX -Amount- {$2400.00} 3. XXXX XXXX Account # - XXXX Open date- XX/XX/XXXX, XXXX Amount- {$4300.00} 4. XXXX XXXX Account # - XXXX Open dateXXXX XX/XX/XXXX, XXXX Amount- $ {$7600.00} 5. XXXX XXXX Account # - XXXX Open Date- XX/XX/XXXX, XXXX Amount- {$1000.00} Inquires 1. XXXX XXXX- Inquiry date- XX/XX/XXXX 2.XXXX XXXX Inquiry Date- XX/XX/XXXX 3. XXXX - Inquiry DateXXXX XX/XX/XXXX 4. XXXX XXXX Inquiry Date- XX/XX/XXXX 5. XXXX Inquiry date- XX/XX/XXXX 6. XXXX Inquiry Date- XXXX XXXX, XXXX 7. XXXX XXXX- Inquiry Date- XX/XX/XXXX 8. XXXX Inquiry Date- XX/XX/XXXX 9. XXXX Inquiry Date- XX/XX/XXXX 10. XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX 11. XXXX  XXXX  XXXX- Inquiry Date- XX/XX/XXXX 12. XXXX Inquiry Date- XX/XX/XXXX 13. XXXX XXXX Inquiry Date- XX/XX/XXXX 14. XXXX XXXX Inquiry Date- XX/XX/XXXX ADDRESSES XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, FL 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 non-monetary relief