BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently disputed this information with the credit beaurus and they stated this information was valid I have received no paper work confirming the validation of this account. This is a violation of my consumer rights. Ive been distressed and struggling through this pandemic to soon find out this false information is apprearinng on my report Ive listed all the violations that have been violated 806. Harassment or abuse 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

809. Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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 2020-05-21
Company: AES/PHEAA
State: RI
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX : I had scheduled a payment to be transferred to my daughter 's mother for my child support of payment {$280.00} on XX/XX/2020. As of today XX/XX/2020 my recipient has not received the money sent yet the funds have been deducted from my account. I have called Chase numerous times and it has even now been escalated to the executive department, but even then my understanding of that department is to get them ready for inquiry from a government agency as I had already indicated to them that I was going to be submitting my complaint with the CFBP. 

Background : I have been using this method to transfer funds for upwards of five years. I have not had an issue with it ever. Also, this transaction is done twice a month and has been like that ever since I started using Chase 's QuickPay feature. 

Issues : I was never contacted and told that the funds are being held. I got the same payment notification that I normally get when I send funds. No department is/was able to tell me why the funds are being held ; and till this day no one is still able to tell me why the funds are being held or what is the expected date that the funds will be available. All any agent could say is that they funds would be there eventually or that I would receive some notification on it. The denomination is to small to trigger a red flag and the amount is consistently sent to trigger some sort of fraud activity. If it had not been for my XXXX 's XXXX to let me know that the funds have not gone through I would have not know that she never received the funds. Lastly, I had to send another child support payment to cover the transfer that has not gone through ; even though there is no resolution on the pending payment. My daughter 's mother was even lied to as she was told, XX/XX/XXXX, that the funds would be available the next day, XX/XX/XXXX ; of course that never happened and still the funds are pending. 

Ethical Dilemma : Thankfully I am able to cover the transfer that has not gone through. ( The transaction on, XXXX XXXX, went through with no issues. ) It is however very concerning in a time when families are experiencing financial difficulties that a bank is able to hold funds for upwards of 15 days without any explanation. With still no notification that it had even been held. With no customer service rep being able to answer what is going on. This type of confusion causes distrust with banks. When consumers start to feel distrust with banks and stop depositing money with financial institution it can cause a real problem. Families need to feel they can depend on the financial institution to handle their business and keep them fully informed on what is going on. Not to mention that there are families that would not have been able to do what I did and send the money again while the original payment is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
TRANS UNION XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. The definition of a credit card Pursuant to Title 15 USC 1602i means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit meaning my Social Security Card was used to originate every consumer credit transaction in my File making me the original creditor Pursuant to Title 15 USC 1602g. I demand Pursuant to 15 USC 1681a ( 2 ) ( B ) that the following transaction be removed from my credit report immediately as you are violating my rights as a federally protected consumer under Title 15 Chapter 41. 


1. XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Date of Inquiry : XX/XX/XXXX Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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:
AS A CONSUMER, I AM TRYING TO REMOVE THE FRAUDULENT ACCOUNT FROM MY PROFILE, THE CHARGES AND THE ACCOUNT ARE FRAUDULENT. I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, THE ACCOUNT WAS OPENED, MAINTAINED BY A THEIF. AS A CONSUMER, MY PLEA IS TO HAVE THE FRAUDULENT ACCOUNT REMOVED. AGAIN, I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, I HAVE NEVER SEEN THIS CARD, I HAVE NEVER USED THIS CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Communicated via certified letter to XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting their office ( and XXXX XXXX XXXX XXXX  law office ) provide debt verification and validation proving an alleged debt belongs to me. Portfolio Recovery and XXXX XXXX XXXX  have both threatened to take legal action against me. I have yet to receive any documentation from either company proving XXXX XXXX XXXX XXXX f/k/a XXXX XXXXy ( Account # XXXX  ) belonged to me.

XXXX XXXX XXXX XXXX failed to attach copies of any contract evidencing the alleged debt was signed by me and that did not attach copies of documents generated when the credit card was actually used. XXXX XXXX also failed to provide valid documentation proving and assignment or other writing evidencing transfer of ownership that the alleged debt was purchased.

Pursuant to the FDCPA and North Carolina General Statutes has not been honored so I am ready to file a class action lawsuit and countersuit of defamation of character and seek damages this invalidated debt has caused against my three credit files. Trying to intimidate me with legal recourse will not benefit your office in being able to validate this debt nor will it satisfy the FDCPA legal requirements and violated PPCA and N.C.G.S 58-70-90, N.C.G.S 58-70-150, and N.C.G.S 58-70-115.

I am aware of a pending lawsuit ( Case No. XXXX, XXXX XXXX XXXX XXXX v XXXX ) and I will now be inclined to file a law suit in parallel if Account XXXX is not removed from my credit files immediately.

OnXX/XX/XXXX received a Notice of Dismissal from XXXX XXXX XXXX which proves that some type of " legal '' actions was taken or tactic used to intimidate me in making payments on debt not substantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12
Company: Risecredit, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Got a loan for {$2500.00} with expectation of paying off early. Have made several large payments on loan including a payment of {$1900.00}. Expressed to the company I needed the principal balance paid down to pay the loan off because of unexpected things that came up and need to be free of loan. They put the {$1900.00} toward interest and said the interest on the loan was fully paid. The {$1900.00} along with {$880.00} ( extra and over payments ) along with regular payments equaling {$1800.00} you would think would bring the balance down, but no. There is still a balance of {$1300.00} and that balance keeps going up. I have already paid {$4600.00} on this loan. I know the longer I have the loan that number will go up, which is why I am desperately trying to pay it off early. 
How is it the interest is paid in full but we are still getting charged for interest. 
Also, I received a letter stating if I bring my account current ( I missed a couple payments last month ) then they will also credit a payment to my account to help. The letter was addressed to me personally, but I was told it didnt apply to me. They used the large payments to cover those missed payments. How are they using that {$1900.00} to cover missed payments when it should have already been applied to my account. So they sent me a false letter. Its as if they are purposely keeping me from paying this horrendous loan off. 
And why when I pay on the principle on the loan, the balance is not going down to where it should be? 
My wife has also called and made several payments ( which includes the {$1900.00} payment ) on my behalf. Now they are refusing to take payments. I once again gave them permission to talk to her about my account And make payments. They still refuse. Why is it she could make payments before and can not make payments now. 
This company is making it impossible to pay off this loan. As with any other loan, when I make over and extra payments the balance goes down and I can pay it off, but with this company, it will not work. 
I cant keep doing these almost {$500.00} payments every month and this loan should have been paid off by now or at least under {$500.00}. Definitely not {$1300.00} and rising daily. 
I also have recording of my wifes conversation with the company refusing to take a payment after I gave them permission. Also, if they can not take a payment from her, then what do we do about the money/payments she made previously? Do they credit those payments back to us? ( They did however, take them from her without me, using my credit card ). 

These types of loans should be illegal!!!!! These companies should not be allowed to do this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Experian Information Solutions 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:
It is impossible to get a live person on the telephone at Experian and they have the phone tree set up so that you press 1 to ask about a fraud alert and then you hear a message that a fraud alert has been set on your account. I did not request a fraud alert and the phone tree did not ask to place a fraud alert, just to ask questions about a fraud alert. 1 ) I want the fraud alert removed 2 ) I want experian to be ordered to hire live persons to answer calls from consumers who do NOT have a credit report number. 3 ) Experian should be ordered change their phone tree so that a fraud alert is not placed unless a live person paid by experian answers the call and verifies that a fraud alert is what the consumer actually wants. I called Experian at XXXX ( XXXX ) XXXX and XXXX You'll need a copy of your most recent Experian credit report and the 10-number digit on it to get through. The phone message said if you have questions about fraud prevention then press 1, which I did, then the message said that a fraud alert was placed on my account. ( XXXX ) XXXX or ( XXXX ) XXXX puts you in a circular phone tree where if you have a question about a fraud report press one then do you want to put a new fraud alert press one if not press 2 then if you press 2 you go back to if you have a question about a fraud report press one to an infinite loop

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 2019-08-09
Company: Tribal Lending Enterprise, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have 16 payday / installment loans. I live in the state of Illinois. I was not aware that, by law, I should not have been allowed to have more than three & that they should not total more than 22.5 % of my income. Why 16 loans? Because I was constantly trying to catch up one loan with another, thinking that once I brought the one down, I would be able to take care of the new one. Well one led to another and then another, all at astronomical expenses to my wallet. I recently found my checking account in the negative, because I just plain and simply could no longer handle the juggling act. I need help. I didnt even realize that I had 16 loans, until I really began trying to get to the bottom of my financial crisis. Is this legal for companies to continually extend loans to me, without verifying whether or not I was at the maximum loan amounts for the state of Illinois? How can I get all of this debt off of my back? Is there help out there for my situation?

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 2020-12-11
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
So let me make sure that I understand. Despite writing XXXX on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ( and showing proof of delivery by fax ) it wasn't until I filed a CFPB complaint that they SELECTIVELY responded and denied ever having received any one of the previous 4 letters sent to them ... hmmm. My request was SPECIFIC and based on everything I've been able to research on UCC requirements for lawful repossession. So today I sent them another letter - I WANT ALL OF THE DOCUMENTES REQUESTED - especially proof that I was properly notified of the intent to repo the vehicle because I don't recall ever receiving a USPS notification or signing for such a letter. Once again today 's letter has been faxed ( proof attached ) and I've also contacted Santander since XXXX sent documents with their letterhead.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: U.S. BANCORP
State: CT
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:
OnXX/XX/XXXX there were a few transactions on my credit card. The credit card is with XXXX XXXX XXXX  those transactions were fraudulent transaction not made by me the company refund me and gave me credit .my problems is that one undecided to cancel my XXXX line credit card they reported me to the three credit bureaus unfairly. I have requested from them the statement of when i first reported the fraudulent activities but they refused to provided me with that information. The reason i asked for this is so i can summit a dispute with the credit bureau explaining those unfair late payment that were reported to the credit bureaus. My credit have decrease tresmendely due to their unfair practice it when from XXXX _ XXXX. because this happen to me i did research on XXXX XXXX   and they have done this too quiet a few of consumers. All im asking them is to contact the bureau and fix their wrong doing the transactions happen inXX/XX/XXXX i have a letter from them that i receive XX/XX/XXXXa year after i reported the fraudulent activities i keep going back and forth for month with them. the reason i am filling my complaint now is because i just saw the my credit report i never thought they will do this since those transactions were fraudulent which they determine are fraudulent. They refused to help me with papers work to get this of my credit i appreciate your organization help and please i hope one the investigation is done you can help other consumer affected by this dishonest practice of this company. The name of the company is XXXX XXXX XXXX and their phone number is 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 2020-12-11
Company: EQUIFAX, INC.
State: CO
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 found out account in credit report which does not below to me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX Account # XXXX Date Opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020 an attempt was made to open a credit card account under my name. I immediately reported it as fraud, and the account was closed. I then proceeded to place a freeze on my credit report with the 3 agencies. On XX/XX/2020, I received another notification that the same credit card company pulled my credit report from Experian. Experian allowed my credit report to be pulled on a frozen account. I want all inquiries from XXXX XXXX/XXXX  removed from my credit report, and for Experian to actually freeze a frozen account. Experian does not provide a way to actually talk to a representative, so this is my only option. 
Credit Freeze reference number : 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 2020-12-04
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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